Miami-Dade County property record for 181 Harbor Dr, Key Biscayne, FL 33149 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2003 |
| Square Footage | 4,520 sqft Living Area |
| Lot Size | 7,500 sqft (0.172 acres) |
| Pool | Pool with Hot Tub/Spa |
| Last Sale | $576,000 (2000) |
| Tax Bill | $48,808.00 (2025) |
| Primary APN | 24-4232-006-2160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 4,520 sqft Living Area |
| Gross Area | 6,611 sqft Gross Area |
| Stories | 3 Stories |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Combination Exterior |
| Construction Type | Concrete Blocks Construction |
| Lot Area | 7,500 sqft (0.172 acres) |
| Depth X Width | 100 ft x 75 ft Depth x Width |
| Pool Type | Pool with Hot Tub/Spa Pool Type |
| Pool Area | 36 sqft Pool |
| Patio Area | 200 sqft Patio |
| Street Address | 181 HARBOR DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1325 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | TROPICAL ISLE HOMES SUB 4TH ADDN PB 53-39 LOT 5 BLK 26 LOT SIZE 75.000 X 100 OR 19054-3149 0399 1 |
| Legal Range | 42E |
| Legal Township | 54S |
| Legal Section | 32 |
| Legal Subdivision | TROPICAL ISLE HOMES SUB 4TH ADDN |
| Legal Block | 26 |
| Legal Lot Number | 5 |
| Jurisdiction | DADE FL |
| Minor Civil Division | KEY BISCAYNE |
| Census Blockgroup | 3 |
| Census Block | 3000 |
| Census Tract | 4602 |
Source: Miami-Dade County records · APN 24-4232-006-2160
Assessment roll updated July 21, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 365 CARIBBEAN RD, KEY BISCAYNE, FL 33149-1603 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC |
| Apr 28, 2026 | Correction Deed, Transfer · Conventional Mortgage CHAMPIONS FUNDING LLC |
| Feb 06, 2020 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 04, 2000 · Amount on Record |
| Deed Sale | Apr 04, 2000 · Amount on Record |
| Prior Sale | Mar 21, 1997 · Amount on Record |
| Deed Book / Page | 19054 / 3149 |
| Last Transfer Date | Apr 15, 2026 |
| Transfer Doc | 0000287927 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 181 HARBOR DR, KEY BISCAYNE, FL 33149-1325 |
| Document Number | 0000287928 |
| Book / Page | 35277 / 55 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026287928 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000287928, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 35277/55 |
| Instrument | 2026287928 |
| Name | CHAMPIONS FUNDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Apr 28, 2026 |
| Property Address | 181 HARBOR DR, KEY BISCAYNE, FL 33149-1325 |
| Document Number | 0000287927 |
| Book / Page | 35277 / 53 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 2026287927 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 365 CARIBBEAN RD, KEY BISCAYNE, FL 33149-1603 |
| Document Number | 0000287927, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 35277/55 |
| Instrument | 2026287927 |
| Name | CHAMPIONS FUNDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 181 HARBOR DR, KEY BISCAYNE, FL 33149-1325 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000091105 |
|---|---|
| Date | Feb 06, 2020 |
| Book Page | 31810/0595 |
| Instrument | 2020R0091105 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jan 17, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Miami-Dade County records · Assessment roll updated July 21, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Key Biscayne Village |
| Unified School District | Dade County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $48,808.00 (+7.84%) | $2,960,038 (-0.38%) | $3,165,677 (+6.54%) Land $1,950,000 Building $1,215,677 |
| 2024 | $45,259.00 (+3.27%) | ||
| 2023 | $43,824.00 (+16.78%) | $2,971,449 (+14.92%) Land $1,725,000 Building $1,246,449 | $2,971,449 (+14.92%) Land $1,725,000 Building $1,246,449 |
| 2022 | $37,527.00 | $2,585,587 Land $1,323,750 Building $1,261,837 | $2,585,587 Land $1,323,750 Building $1,261,837 |
Source: FEMA National Flood Hazard Layer, Miami-Dade County (12086C), updated January 25, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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