Miami-Dade County property record for 345 Caribbean Rd, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 5,813 sqft · built 2017 |
| Lot Size | 0.277 acres (12,064 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,058,000 (Jan 2013) |
| Tax Bill | $55,580 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-4232-003-0150 |
| Primary APN | 24-4232-003-0150 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,813 sqft Living Area |
| Gross Area | 7,993 sqft |
| Flooring | Covered |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 12,064 sqft (0.277 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 148 sqft |
| Patio Area | 120 sqft |
| Street Address | 345 CARIBBEAN RD |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100 |
| Legal Description | HOLIDAY COLONYPB 50-87 LOT 8 BLK 2 LOT SIZE100.540 X 120 OR 17776-1598 0897 1 COC 21454-3532 06 2003 1 |
| Legal Range | 42E |
| Legal Township | 54S |
| Legal Section | 32 |
| Legal Subdivision | HOLIDAY COLONY |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 4607 |
345 Caribbean Rd is owned and occupied by two individuals who bought it in January 2013.
Source: Miami-Dade County records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 345 CARIBBEAN RD, KEY BISCAYNE, FL 33149-1603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2013 · Amount on File |
| Deed Sale | Jan 2, 2013 · Amount on File |
| Prior Sale | Jul 24, 2003 · Amount on File |
| Deed Document Number | 2013789 |
| Deed Book / Page | 28424 / 4659 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 345 CARIBBEAN RD, KEY BISCAYNE, FL 33149-1603 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 345 CARIBBEAN RD, KEY BISCAYNE, FL 33149-1603 |
| Document Number | 0000425807 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 33206/4590 |
| Instrument | 2022R0425807 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jun 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
The 2025 property tax bill for 345 Caribbean Rd was $55,580 with a homeowner's exemption.
Source: Miami-Dade County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Key Biscayne Village |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $55,580.00 Homeowner's exemption | $3,513,400 | $5,420,419 Land $3,377,920 Building $2,042,499 |
| 2023 | $53,623.00 (+3.82%) Homeowner's exemption | $3,314,935 (+3%) | $4,861,141 (+14.71%) Land $2,774,720 Building $2,086,421 |
| 2022 | $51,648.00 Homeowner's exemption | $3,218,384 | $4,237,677 Land $2,129,296 Building $2,108,381 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 345 Caribbean Rd 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 141 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1,524 units insured incl. 1,383 condo units |
| Nearby Flood Claims | 220 (1979–2022) |
| Claims Outside the SFHA | 1 of 220 |
| Most Recent Claim | Jun 2022 · rainfall accumulation |
| Claims by Event |
|
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 risk around 345 Caribbean Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, Verizon.
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