345 Caribbean Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 345 Caribbean Rd, Key Biscayne, FL 33149

Property Summary

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`

Property Details

APN / Parcel Number

Primary APN	`24-4232-003-0150`

Interior

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

Exterior

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

Location & Zoning

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

Owner

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

May 2022: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 CARIBBEAN RD, KEY BISCAYNE, FL 33149-1603

Mortgage

Document Number	0000425807
Date	May 25, 2022
Book Page	33206/4590
Instrument	2022R0425807

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

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%

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	$55,580.00 (+3.65%) Homeowner's exemption	$3,513,400 (+5.99%)	$5,420,419 (+11.51%) 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.

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	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	Hurricane Irma, Sep 2017 · 60 claims Hurricane Katrina, Aug 2005 · 25 claims Hurricane Andrew, Aug 1992 · 63 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 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.

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 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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