340 W Heather Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 340 W Heather Dr, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,398 sqft · built 1954
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$1,250,000 (Feb 2008)
Tax Bill	$15,785 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-005-0600`

Property Details

APN / Parcel Number

Primary APN	`24-4232-005-0600`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,398 sqft Living Area
Gross Area	2,722 sqft
1st Floor Area	2,398 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1974
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Patio Area	599 sqft

Location & Zoning

Street Address	340 W HEATHER DR
City	KEY BISCAYNE
State	FL
Zip	33149-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	32 54 42 & 5-6 55 42PB 50-83 TROPICAL ISLE HOMES SUB 3RD ADDN LOT 7 BLK 15 LOT SIZE 75.000 X 100 OR 20545-3756 07/2002 1 COC 26210-4147 01 2008 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 3RD ADDN
Legal Block	15
Legal Lot Number	7
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3014
Census Tract	4602

Owner

340 W Heather Dr is owned and occupied by two individuals who bought it in February 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	340 W HEATHER DR, KEY BISCAYNE, FL 33149-1830
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
May 11, 2026	Deed of Trust, Mortgage · Line of Credit BANESCO USA
Jul 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Feb 1, 2019	Deed of Trust, Mortgage · Line of Credit CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2008 · Amount on File
Deed Sale	Feb 12, 2008 · Amount on File
Prior Sale	Nov 3, 2004 · Amount on File
Deed Document Number	2008116826
Deed Book / Page	26210 / 4147
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Recording Date	May 11, 2026
Property Address	340 W HEATHER DR, KEY BISCAYNE, FL 33149-1830
Document Number	0000316315
Book / Page	35294 / 596
Instrument Date	Apr 29, 2026
Instrument	2026316315
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 W HEATHER DR, KEY BISCAYNE, FL 33149-1830

Mortgage

Document Number	0000316315,
Date	May 11, 2026
Book Page	35294/596
Instrument	2026316315

Lender

Name	BANESCO USA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	340 W HEATHER DR, KEY BISCAYNE, FL 33149-1830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000386142
Date	Jul 7, 2017
Book Page	30603/0567
Instrument	2017R0386142

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	340 W HEATHER DR, KEY BISCAYNE, FL 33149-1830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064390
Date	Feb 1, 2019
Book Page	31310/1773
Instrument	2019R0064390

Lender

Name	CITIBANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 340 W Heather Dr was $15,785 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	$15,785.00 Homeowner's exemption	$963,866	$2,266,530 Land $1,950,000 Building $316,530
2023	$15,211.00 (+4.69%) Homeowner's exemption	$909,420 (+3%)	$2,025,503 (+25.14%) Land $1,725,000 Building $300,503
2022	$14,529.00 Homeowner's exemption	$882,933	$1,618,606 Land $1,323,750 Building $294,856

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

Flood

FEMA maps place 340 W Heather 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	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 340 W Heather Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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