137 Harbor Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 137 Harbor Dr, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,282 sqft · built 1999
Lot Size	0.184 acres (7,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,175,000 (Oct 2006)
Tax Bill	$32,233 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-4232-006-0300`

Property Details

APN / Parcel Number

Primary APN	`24-4232-006-0300`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,282 sqft Living Area
Gross Area	5,953 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	7,999 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	860 sqft
Patio Area	385 sqft

Location & Zoning

Street Address	137 HARBOR DR
City	KEY BISCAYNE
State	FL
Zip	33149-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	TROPICAL ISLE HOMES SUB 4TH ADDN PB 53-39 LOT 8 BLK 18 LOT SIZE 79.990 X 100 OR 18099-2532 0598 1 COC 25053-1267 09 2006 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 4TH ADDN
Legal Block	18
Legal Lot Number	8
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	2
Census Block	2004
Census Tract	4602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	137 HARBOR DR, KEY BISCAYNE, FL 33149-1303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2006 · Amount on Record
Deed Sale	Oct 30, 2006 · Amount on Record
Prior Sale	May 11, 1998 · Amount on Record
Deed Document Number	20061164357
Deed Book / Page	25053 / 1267
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	137 HARBOR DR, KEY BISCAYNE, FL 33149-1303
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 HARBOR DR, KEY BISCAYNE, FL 33149-1303

Mortgage

Document Number	0000170477
Date	Mar 9, 2021
Book Page	32389/1535
Instrument	2021R0170477

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

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	$32,233.00 (+3.69%) Homeowner's exemption	$2,017,993 (+5.99%)	$3,028,096 (+7.07%) Land $1,975,753 Building $1,052,343
2023	$31,087.00 (+4.06%) Homeowner's exemption	$1,904,001 (+3%)	$2,828,186 (+16.12%) Land $1,747,782 Building $1,080,404
2022	$29,875.00 Homeowner's exemption	$1,848,545	$2,435,666 Land $1,341,232 Building $1,094,434

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

Flood

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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 180 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	205 units insured incl. 25 condo units
Nearby Flood Claims	265 (1980–2020)
Claims Outside the SFHA	1 of 265
Most Recent Claim	Nov 2020 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 38 claims Hurricane Katrina, Aug 2005 · 13 claims Hurricane Andrew, Aug 1992 · 175 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

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 140 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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