285 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 285 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,729 sqft · built 2015
Lot Size	0.17 acres (7,395 sqft)
Owner	Company Name on Record
Last Sale	$4,350,000 (Jun 2022)
Tax Bill	$59,339 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-4232-006-1570`

Property Details

APN / Parcel Number

Primary APN	`24-4232-006-1570`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,729 sqft Living Area
Gross Area	4,732 sqft
Elevator	Elevator

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete Block/Stucco
Construction Type	Concrete Block
Roof Type	Rigid Frame Bar Joist
Roof Material	Other
Lot Area	7,395 sqft (0.17 acres)
Lot Dimensions	100 ft deep x 74 ft wide
Pool Type	Pool with Hot Tub/Spa
Patio Area	100 sqft

Location & Zoning

Street Address	285 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 26BLK 23 LOT SIZE 73.950 X 100 OR 20910-3482 12/2002 4
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 4TH ADDN
Legal Block	23
Legal Lot Number	26
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	Company Name on Record
Mailing Address	2355 SALZEDO ST, 300, CORAL GABLES, FL 33134-5061
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Warranty Deed, Transfer · Conventional Mortgage BRADESCO BAC FLORIDA BANK
Jun 11, 2018	Warranty Deed, Transfer · ARM HSBC BANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2022 · Amount on Record
Deed Sale	Jun 7, 2022 · Amount on Record
Prior Sale	Jun 11, 2018 · Amount on Record
Deed Document Number	2022455590
Deed Book / Page	33224 / 4526
Prior Transfer Date	Dec 19, 2002
Prior Transfer Doc	0000818277
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jun 7, 2022
Property Address	285 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226
Document Number	0000455590
Book / Page	33224 / 4526
Map Reference	MB 53 PG 39
Instrument Date	Jun 2, 2022
Instrument	2022R0455590
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	285 RIDGEWOOD RD, 285, KEY BISCAYNE, FL 33149-1226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2355 SAIZEDO STREET #300 # 300, 300, CORAL GABLES, FL 33134-5061

Mortgage

Document Number	0000004529
Date	Jun 7, 2022
Instrument	33224/4529

Lender

Name	BRADESCO BAC FLORIDA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jun 11, 2018
Property Address	285 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226
Document Number	0000342304
Book / Page	31009 / 0562
Map Reference	MB 53 PG 39
Instrument Date	Jun 7, 2018
Instrument	2018R0342304
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4481 NW 93RD DORAL CT, 4481, DORAL, FL 33178-2064

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1226

Mortgage

Document Number	0000342305
Date	Jun 11, 2018
Instrument	2018R0342305

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.58%
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.58%
Index	1-Year LIBOR
Max Rate	8.58%

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	$59,339.00 (+4.92%)	$3,738,390 (+5.12%) Land $1,922,700 Building $1,815,690	$3,738,390 (+5.12%) Land $1,922,700 Building $1,815,690
2024	$56,557.00 (-2.09%)
2023	$57,765.00 (+64.32%)	$3,556,430 (+63.08%) Land $1,700,850 Building $1,855,580	$3,556,430 (+44.73%) Land $1,700,850 Building $1,855,580
2022	$35,154.00 Homeowner's exemption	$2,180,785	$2,457,318 Land $1,305,218 Building $1,152,100

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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