320 Island Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 320 Island Dr, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,745 sqft · built 2002
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Company Names on Record
Last Sale	$950,000 (Feb 2000)
Tax Bill	$62,585 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-5205-010-0640`

Property Details

APN / Parcel Number

Primary APN	`24-5205-010-0640`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,745 sqft Living Area
Gross Area	6,157 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	12,800 sqft (0.294 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Patio Area	300 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	320 ISLAND DR
City	KEY BISCAYNE
State	FL
Zip	33149-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2000
Legal Description	5 55 42 PB 68-81 CAPE FLORIDA SUB SEC 1 LOT 32 & PROP INT IN & TO ADJ WATER OR WATERWAYS BLK 2 LOT SIZE 80.000 X 160 OR 18966-4816 01/2000 1 COC 22008-2245 01 2004 4
Legal Range	42E
Legal Township	55S
Legal Section	05
Legal Subdivision	CAPE FLORIDA SUB
Legal Block	1
Legal Lot Number	32
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1020
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 Company Names on Record
Mailing Address	320 ISLAND DR, KEY BISCAYNE, FL 33149-2414
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2000 · Amount on Record
Deed Sale	Feb 1, 2000 · Amount on Record
Deed Book / Page	18966 / 4816
Last Transfer Date	Jan 12, 2004
Transfer Doc	0000062957
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	320 ISLAND DR, KEY BISCAYNE, FL 33149-2414
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 ISLAND DR, KEY BISCAYNE, FL 33149-2414
Investor	Possibly a Property Investor

Mortgage

Document Number	0000209921
Date	Mar 29, 2023
Book Page	33642/3993
Instrument	2023R0209921

Lender

Name	INTERNATIONAL FINANCE BANK
Type	Bank
Address	MIAMI, FL 33135

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2028
Change Frequency	10 Years
Min Rate At Change	5%
Max Rate At Change	11%
Index	10-Year TN
Margin	3
Max Rate	11%

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	$62,585.00 (+3.65%)	$3,952,299 (+5.99%)	$7,413,840 (+24.86%) Land $6,080,000 Building $1,333,840
2023	$60,384.00 (+3.98%) Homeowner's exemption	$3,729,042 (+3%)	$5,937,640 (+7.08%) Land $4,569,600 Building $1,368,040
2022	$58,071.00 Homeowner's exemption	$3,620,430	$5,545,140 Land $4,160,000 Building $1,385,140

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 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 247 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	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20