275 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 275 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,573 sqft · built 2002
Lot Size	0.179 acres (7,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,461,900 (Mar 2019)
Tax Bill	$26,664 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-006-1580`

Property Details

APN / Parcel Number

Primary APN	`24-4232-006-1580`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	3,573 sqft Living Area
Gross Area	4,833 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	7,778 sqft (0.179 acres)
Lot Dimensions	100 ft deep x 77.8 ft wide
Porch	Porch
Porch Area	420 sqft
Patio Area	200 sqft

Location & Zoning

Street Address	275 RIDGEWOOD RD
City	KEY BISCAYNE
State	FL
Zip	33149-1226
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 27BLK 23 LOT SIZE 77.780 X 100 OR 19974-1841 10/2001 1 COC 22015-3339 01 2004 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 4TH ADDN
Legal Block	23
Legal Lot Number	27
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3002
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	275 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 29, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Mar 5, 2019	Warranty Deed, Transfer · Conventional Mortgage QUONTIC BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2019 · Amount on Record
Deed Sale	Mar 5, 2019 · Amount on Record
Prior Sale	Oct 23, 2012 · Amount on Record
Deed Document Number	2019141427
Deed Book / Page	31352 / 618
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	275 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	275 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226

Mortgage

Document Number	0000703881
Date	Sep 23, 2021
Book Page	32751/4739
Instrument	2021R0703881

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	275 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226
Document Number	0000315438
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	275 RIDGEWOOD RD KEY BISCAYNE FL 331491226, KEY BISCAYNE, FL 33149-1226

Mortgage

Document Number	0000315438
Date	Jun 4, 2020
Book Page	031959/001566
Instrument	315438

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Mar 5, 2019
Property Address	275 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226
Document Number	0000141427
Book / Page	31352 / 0618
Map Reference	MB 53 PG 39
Instrument Date	Feb 22, 2019
Instrument	2019R0141427
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	$14,771.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	292 FERNWOOD RD, 292, KEY BISCAYNE, FL 33149-1308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	275 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226

Mortgage

Document Number	0000141428
Date	Mar 5, 2019
Instrument	2019R0141428

Lender

Name	QUONTIC BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

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	$26,664.00 (+3.71%) Homeowner's exemption	$1,659,712 (+5.99%)	$3,081,733 (+7.17%) Land $2,022,280 Building $1,059,453
2023	$25,711.00 (+4.27%) Homeowner's exemption	$1,565,959 (+3%)	$2,875,550 (+16.28%) Land $1,788,940 Building $1,086,610
2022	$24,659.00 Homeowner's exemption	$1,520,349	$2,473,006 Land $1,372,817 Building $1,100,189

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 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

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 533 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	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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