131 Island Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 131 Island Dr, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,717 sqft · built 1990
Lot Size	0.296 acres (12,875 sqft)
Owner	2 Individual Names on File
Last Sale	$3,395,000 (Aug 2021)
Tax Bill	$48,375 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-5205-010-0040`

Property Details

APN / Parcel Number

Primary APN	`24-5205-010-0040`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,717 sqft Living Area
Gross Area	4,579 sqft
1st Floor Area	3,717 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	12,875 sqft (0.296 acres)
Lot Dimensions	125 ft deep x 105 ft wide
Garage Area	297 sqft
Porch	Porch
Porch Area	116 sqft
Patio Area	1,962 sqft

Location & Zoning

Street Address	131 ISLAND DR
City	KEY BISCAYNE
State	FL
Zip	33149-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2000
Legal Description	5 55 42 CAPE FLORIDA SUB SEC 1 PB 68-81 LOT 5 LESS W20FT & W38FT OF LOT 4 BLK 1 LOT SIZE 12875 SQ FT OR 19331-2613 10/2000 1 COC 23943-0289 10 2005 1
Legal Range	42E
Legal Township	55S
Legal Section	05
Legal Subdivision	CAPE FLORIDA SUB
Legal Block	1
Legal Lot Number	5,4
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3025
Census Tract	4602

Owner

131 Island Dr is owned and occupied by two individuals who bought it in August 2021.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	131 ISLAND DR, KEY BISCAYNE, FL 33149-2409
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Aug 13, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2021 · Amount on File
Deed Sale	Aug 13, 2021 · Amount on File
Prior Sale	Jun 29, 2010 · Amount on File
Deed Document Number	2021594138
Deed Book / Page	32679 / 1095
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	131 ISLAND DR, KEY BISCAYNE, FL 33149-2409
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 ISLAND DR, KEY BISCAYNE, FL 33149-2409

Mortgage

Document Number	0000143843
Date	Feb 17, 2022
Book Page	33026/848
Instrument	2022R0143843

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Mar 1, 2032
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	8.87%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Aug 13, 2021
Property Address	131 ISLAND DR, KEY BISCAYNE, FL 33149-2409
Document Number	0000594138
Book / Page	32679 / 1095
Map Reference	MB 68 PG 81
Instrument Date	Aug 1, 2021
Instrument	2021R0594138
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$20,370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 LAIGHT ST APT 1, 1, NEW YORK, NY 10013-2165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 ISLAND DR, KEY BISCAYNE, FL 33149-2409

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	131 ISLAND DR, KEY BISCAYNE, FL 33149-2409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000548838
Date	Sep 10, 2018
Book Page	31133/1818
Instrument	2018R0548838

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 131 Island Dr was $48,375 with a homeowner's exemption.

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Key Biscayne Village
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$48,375.00 Homeowner's exemption	$3,024,966	$3,722,779 Land $3,012,750 Building $710,029
2023	$46,658.00 (+4.65%) Homeowner's exemption	$2,854,093 (+3%)	$3,385,648 (+22.18%) Land $2,665,125 Building $720,523
2022	$44,585.00 Homeowner's exemption	$2,770,965 Land $2,045,194 Building $725,771	$2,770,965 Land $2,045,194 Building $725,771

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 131 Island Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 489 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	548 units insured incl. 59 condo units
Nearby Flood Claims	790 (1979–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 69 claims Hurricane Katrina, Aug 2005 · 44 claims Hurricane Andrew, Aug 1992 · 565 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 131 Island Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MDWASA - MAIN SYSTEM serves 2,377,460 people · EPA ID FL4130871
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless · DSL	5,000 / 5,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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