345 Gulf Rd, Key Biscayne, FL 33149 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,827 sqft · built 1953
Lot Size	0.277 acres (12,050 sqft)
Owner	2 Company Names on Record
Last Sale	$5,600,000 (Apr 2025)
Tax Bill	$66,790 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-003-0290`

Property Details

APN / Parcel Number

Primary APN	`24-4232-003-0290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,827 sqft Living Area
Gross Area	4,036 sqft
1st Floor Area	3,827 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	12,050 sqft (0.277 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Porch	Slab
Porch Area	28 sqft
Patio Area	2,120 sqft

Location & Zoning

Street Address	345 GULF RD
City	KEY BISCAYNE
State	FL
Zip	33149-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	HOLIDAY COLONYPB 50-87 LOT 8 BLK 3 LOT SIZE100.420 X 120 OR 21155-3666 04/2003 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	HOLIDAY COLONY
Legal Block	3
Legal Lot Number	8
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1001
Census Tract	4607

Owner

Source: Miami-Dade County records, as of August 12, 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	345 GULF RD, KEY BISCAYNE, FL 33149-1605
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Jul 22, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST AMERICAN BANK
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2025 · Amount on Record
Deed Sale	Apr 23, 2025 · Amount on Record
Prior Sale	Jul 22, 2021 · Amount on Record
Deed Document Number	2025304530
Deed Book / Page	34720 / 4129
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	345 GULF RD, KEY BISCAYNE, FL 33149-1605
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000689138
Date	Sep 1, 2022
Book Page	33364/3003
Instrument	2022R0689138

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jul 22, 2021
Property Address	345 GULF RD, KEY BISCAYNE, FL 33149-1605
Document Number	0000527645
Book / Page	32635 / 1248
Map Reference	MB 50 PG 87
Instrument Date	Jul 2, 2021
Instrument	2021R0527645
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 ISLAND DR, 270, KEY BISCAYNE, FL 33149-2412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	335 PACIFIC RD, KEY BISCAYNE, FL 33149-1609

Mortgage

Document Number	0000001250
Date	Jul 22, 2021
Instrument	32635/1250

Lender

Name	FIRST AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	345 GULF RD, KEY BISCAYNE, FL 33149-1605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415475
Date	Jul 29, 2020
Book Page	32027/3650
Instrument	2020R0415475

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	WESTMONT, IL 60559

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	8.12%

Tax Assessment & Valuation

Source: Miami-Dade County assessment roll, as of July 21, 2025

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	$66,790.00 (+15.58%)	$4,106,236 (+10.43%)	$4,298,524 (+15.6%) Land $3,374,000 Building $924,524
2023	$57,786.00 (+15.2%)	$3,718,509 (+20.53%) Land $2,771,500 Building $947,009	$3,718,509 (+20.53%) Land $2,771,500 Building $947,009
2022	$50,160.00	$3,085,077 Land $2,126,825 Building $958,252	$3,085,077 Land $2,126,825 Building $958,252

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 Record 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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