166 Harbor Dr, Apt 16C, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 166 Harbor Dr, Apt 16C, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,408 sqft · built 1969
Owner	Company Name on Record
Last Sale	$1,600,000 (Dec 2017)
Tax Bill	$27,604 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-4232-009-0160`

Property Details

APN / Parcel Number

Primary APN	`24-4232-009-0160`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	25 Units
Stories	2 Stories
Building Area	1,408 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	166 HARBOR DR, 16C
City	KEY BISCAYNE
State	FL
Zip	33149-1323
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	4900
Legal Description	VILLAHARBOUR APTS CONDO UNIT 16-C UNDIV 1/17 INT IN COMMON ELEMENTS CLERKS FILE 69R-177876 OR 17347-1726 0996 1 COC 25565-1219 04 2007 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	VILLAHARBOUR APTS CONDO
Legal Block	2
Legal Lot Number	16
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	2
Census Block	2002
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	Company Name on Record
Mailing Address	1390 BRICKELL AVE, 200, MIAMI, FL 33131-3322
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2017 · Amount on Record
Deed Sale	Dec 19, 2017 · Amount on Record
Prior Sale	Dec 1, 2015 · Amount on Record
Deed Document Number	2017711004
Deed Book / Page	30798 / 1305
Prior Transfer Date	Jan 11, 2013
Prior Transfer Doc	0000044482
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Dec 19, 2017
Property Address	166 HARBOR DR APT 16C, 16C, KEY BISCAYNE, FL 33149-1323
Document Number	0000711004
Book / Page	30798 / 1305
Map Reference	OR 6604 PG 639
Instrument Date	Nov 30, 2017
Instrument	2017R0711004
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 CRANDON BLVD STE 250, 240, KEY BISCAYNE, FL 33149-1620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1390 BRICKELL AVE STE 200, 200, MIAMI, FL 33131-3322

Mortgage

Document Number	0000711005
Date	Dec 19, 2017
Instrument	2017R0711005

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.59%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.59%
Index	1-Year LIBOR
Max Rate	8.59%

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	$27,604.00 (+4.26%)	$1,530,650 (-14.13%)	$1,902,284 (+6.72%)
2024	$26,476.00 (+11.15%)
2023	$23,819.00 (+28.9%)	$1,782,500 (+55%)	$1,782,500 (+55%)
2022	$18,478.00	$1,150,000	$1,150,000

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	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20