Miami-Dade County property record for 395 Gulf Rd, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 4,314 sqft · built 1998 |
| Lot Size | 0.276 acres (12,007 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,025,000 (Jun 2020) |
| Tax Bill | $37,972 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-4232-003-0340 |
| Primary APN | 24-4232-003-0340 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,314 sqft Living Area |
| Gross Area | 5,950 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Lot Area | 12,007 sqft (0.276 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 498 sqft |
| Patio Area | 144 sqft |
| Street Address | 395 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 | 32 54 42 HOLIDAY COLONYPB 50-87 LOT 13BLK 3 LOT SIZE100.060 X 120 OR 19527-0677 02/2001 |
| Legal Range | 42E |
| Legal Township | 54S |
| Legal Section | 32 |
| Legal Subdivision | HOLIDAY COLONY |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 4607 |
395 Gulf Rd is owned and occupied by two individuals who bought it in June 2020.
Source: Miami-Dade County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 395 GULF RD, KEY BISCAYNE, FL 33149-1605 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2020 · Amount on File |
| Deed Sale | Jun 8, 2020 · Amount on File |
| Prior Sale | Apr 19, 2000 · Amount on File |
| Deed Document Number | 2020319285 |
| Deed Book / Page | 31961 / 4366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Jun 8, 2020 |
| Property Address | 395 GULF RD, KEY BISCAYNE, FL 33149-1605 |
| Document Number | 0000319285 |
| Book / Page | 31961 / 4366 |
| Map Reference | MB 50 PG 87 |
| Instrument Date | Jun 4, 2020 |
| Instrument | 2020R0319285 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | CORAL GABLES TTL ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $18,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 789 CRANDON BLVD APT 1603, 789, KEY BISCAYNE, FL 33149-2593 |
| Name | Verified Name |
|---|---|
| Address | 395 GULF RD, KEY BISCAYNE, FL 33149-1605 |
| Document Number | 0000004368 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 31961/4368 |
| Name | POPULAR BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 395 Gulf Rd was $37,972 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 | $37,972.00 Homeowner's exemption | $2,374,363 | $4,573,881 Land $3,361,960 Building $1,211,921 |
| 2023 | $36,622.00 (+4.4%) Homeowner's exemption | $2,240,241 (+3%) | $4,006,281 (+18.52%) Land $2,761,610 Building $1,244,671 |
| 2022 | $35,079.00 Homeowner's exemption | $2,174,992 | $3,380,281 Land $2,119,236 Building $1,261,045 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 395 Gulf 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 395 Gulf 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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