390 Gulf Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 390 Gulf Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,290 sqft · built 1953
Lot Size	0.276 acres (12,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,900,000 (Jun 2024)
Tax Bill	$63,582 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-4232-003-0210`

Property Details

APN / Parcel Number

Primary APN	`24-4232-003-0210`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,290 sqft Living Area
Gross Area	3,933 sqft
1st Floor Area	2,315 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1994
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	12,009 sqft (0.276 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Patio Area	40 sqft

Location & Zoning

Street Address	390 GULF RD
City	KEY BISCAYNE
State	FL
Zip	33149-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	HOLIDAY COLONYPB 50-87 LOT 14BLK 2 LOT SIZE100.080 X 120 OR 18730-2448 0899 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	HOLIDAY COLONY
Legal Block	2
Legal Lot Number	14
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	216 S WATERLOO RD, DEVON, PA 19333-1635
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 25, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2024 · Amount on Record
Deed Sale	Jun 28, 2024 · Amount on Record
Prior Sale	Feb 25, 2019 · Amount on Record
Deed Document Number	2024491940
Deed Book / Page	34292 / 792
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	390 GULF RD, KEY BISCAYNE, FL 33149-1606
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 GULF RD, KEY BISCAYNE, FL 33149-1606

Mortgage

Document Number	0000698514
Date	Sep 21, 2021
Book Page	32748/24
Instrument	2021R0698514

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Oct 1, 2031
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	5-Year CMT
Max Rate	7.87%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Feb 25, 2019
Property Address	390 GULF RD, KEY BISCAYNE, FL 33149-1606
Document Number	0000118635
Book / Page	31339 / 0901
Map Reference	MB 50 PG 87
Instrument Date	Feb 13, 2019
Instrument	2019R0118635
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	795 CRANDON BLVD # BLVDPH6, 795, KEY BISCAYNE, FL 33149-2505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 GULF RD, KEY BISCAYNE, FL 33149-1606

Mortgage

Document Number	0000118636
Date	Feb 25, 2019
Instrument	2019R0118636

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$63,582.00 (+17.72%)	$3,975,598 (+19.5%) Land $3,362,520 Building $613,078	$3,975,598 (+19.5%) Land $3,362,520 Building $613,078
2023	$54,012.00 (+34.12%) Homeowner's exemption	$3,326,809 (+23.58%) Land $2,762,070 Building $564,739	$3,326,809 (+23.58%) Land $2,762,070 Building $564,739
2022	$40,270.00	$2,692,134 Land $2,119,588 Building $572,546	$2,692,134 Land $2,119,588 Building $572,546

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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