340 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 340 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,699 sqft · built 1953
Lot Size	0.175 acres (7,609 sqft)
Owner	Individual Name on Record
Last Sale	$3,550,000 (Mar 2026)
Tax Bill	$36,751 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-006-1720`

Property Details

APN / Parcel Number

Primary APN	`24-4232-006-1720`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,699 sqft Living Area
Gross Area	3,019 sqft
1st Floor Area	1,435 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Rigid Frame Bar Joist
Lot Area	7,609 sqft (0.175 acres)
Lot Dimensions	100 ft deep x 76.1 ft wide
Porch	Porch
Porch Area	153 sqft
Patio Area	240 sqft

Location & Zoning

Street Address	340 RIDGEWOOD RD
City	KEY BISCAYNE
State	FL
Zip	33149-1229
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 10BLK 24 LOT SIZE 76.090 X 100 OR 18244-1746 0898 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 4TH ADDN
Legal Block	24
Legal Lot Number	10
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3003
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	Individual Name on Record
Mailing Address	340 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Mar 12, 2026	Warranty Deed, Transfer · Conventional Mortgage CLEAREDGE LENDING LLC
Jun 20, 2019	Loan Modification, Mortgage · Line of Credit BISCAYNE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Prior Sale	Aug 15, 2011 · Amount on Record
Deed Document Number	2026166702
Deed Book / Page	35200 / 292
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	340 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1229
Transaction Type	Mortgage
Record Updated	Apr 8, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1229

Mortgage

Document Number	0000435054
Date	Jun 26, 2023
Book Page	33764/3980
Instrument	2023R0435054

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

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

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Mar 12, 2026
Property Address	340 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1229
Document Number	0000166702
Book / Page	35200 / 292
Map Reference	MB 53 PG 39
Instrument Date	Mar 5, 2026
Instrument	2026R0166702
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 OCEAN LANE DR APT 809, 809, KEY BISCAYNE, FL 33149-1451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1229

Mortgage

Document Number	0000000294
Date	Mar 12, 2026
Instrument	35200/294

Lender

Name	CLEAREDGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DADE FL
Property Address	340 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1229
Document Number	0000431763
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	340 RIDGEWOOD RD KEY BISCAYNE FL 331491229, KEY BISCAYNE, FL 33149-1229

Mortgage

Document Number	0000431763
Date	Jul 12, 2019
Book Page	031521/001036
Instrument	431763

Lender

Name	BISCAYNE BK
Type	Bank
Address	2601 S BAYSHORE DR # 600, COCONUT GROVE, FL 33133-5419

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$36,751.00 (+9.06%)	$2,110,612 (-6.49%)	$2,477,385 (+9.76%) Land $1,978,340 Building $499,045
2024	$33,697.00 (+3.23%)
2023	$32,643.00 (+16.18%)	$2,257,174 (+21.74%) Land $1,750,070 Building $507,104	$2,257,174 (+21.74%) Land $1,750,070 Building $507,104
2022	$28,096.00	$1,854,121 Land $1,342,988 Building $511,133	$1,854,121 Land $1,342,988 Building $511,133

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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