20 Island Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 20 Island Dr, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,732 sqft · built 1973
Lot Size	0.379 acres (16,500 sqft)
Owner	2 Individual Names on File
Last Sale	$94,900 (Jul 2001)
Tax Bill	$37,092 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-5205-024-0140`

Property Details

APN / Parcel Number

Primary APN	`24-5205-024-0140`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	4,732 sqft Living Area
Gross Area	5,542 sqft
1st Floor Area	4,732 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2014
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Rigid Frame Bar Joist
Lot Area	16,500 sqft (0.379 acres)
Lot Dimensions	150 ft deep x 110 ft wide

Exterior Amenities

Porch	Porch
Porch Area	310 sqft
Patio Area	460 sqft
Gazebo	480 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	20 ISLAND DR
City	KEY BISCAYNE
State	FL
Zip	33149-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2000
Legal Description	CAPE FLORIDA SUB SEC 3 PB 79-64 LOT 5 BLK 5 LOT SIZE 16500 SQ FT OR 19242-829 08 2000 1
Legal Range	42E
Legal Township	55S
Legal Section	05
Legal Subdivision	CAPE FLORIDA SUB
Legal Block	5
Legal Lot Number	5
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1013
Census Tract	4602

Owner

20 Island Dr is owned and occupied by two individuals who bought it in July 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 ISLAND DR, KEY BISCAYNE, FL 33149-2715
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
Aug 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK FLORIDA
Jun 20, 2019	Deed of Trust, Mortgage · ARM CITY NATIONAL BANK OF FLORIDA
Oct 31, 2017	Loan Modification, Mortgage · Conventional Mortgage TOTALBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2001 · Amount on File
Deed Sale	Jul 7, 2001 · Amount on File
Prior Sale	Aug 16, 2000 · Amount on File
Deed Book / Page	19763 / 3583
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Recording Date	Aug 31, 2026
Property Address	20 ISLAND DR, KEY BISCAYNE, FL 33149-2715
Document Number	0000601190
Book / Page	35471 / 4239
Instrument Date	Aug 18, 2026
Instrument	2026601190
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ISLAND DR, KEY BISCAYNE, FL 33149-2715

Mortgage

Document Number	0000601190,
Date	Aug 31, 2026
Book Page	35471/4239
Instrument	2026601190

Lender

Name	NATIONAL BANK FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	20 ISLAND DR, KEY BISCAYNE, FL 33149-2715
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000383030
Date	Jun 20, 2019
Book Page	31490/3362
Instrument	2019R0383030

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank
Address	MIAMI, FL 33130

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DADE FL
Property Address	20 ISLAND DR, KEY BISCAYNE, FL 33149-2715
Document Number	0000636309
Book / Page	030752 / 003686
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 ISLAND DR KEY BISCAYNE FL 331492715, KEY BISCAYNE, FL 33149-2715

Mortgage

Document Number	0000636309
Date	Nov 13, 2017
Book Page	030752/003686
Instrument	636309

Lender

Name	TOTALBANK
Type	Bank
Address	MIAMI, FL 33131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Island Dr was $37,092 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	$37,092.00 Homeowner's exemption	$2,289,250	$8,283,566 Land $7,445,625 Building $837,941
2023	$35,766.00 (+5.47%) Homeowner's exemption	$2,159,935 (+3%)	$6,448,887 (+8.3%) Land $5,595,975 Building $852,912
2022	$33,911.00 Homeowner's exemption	$2,097,025	$5,954,773 Land $5,094,375 Building $860,398

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

Flood

FEMA maps place 20 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 201 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	201 in force
Nearby Flood Claims	312 (1979–2024)
Claims Outside the SFHA	1 of 312
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 38 claims Hurricane Wilma, Oct 2005 · 26 claims Hurricane Andrew, Aug 1992 · 195 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

Wildfire risk around 20 Island Dr is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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 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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