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397 Harbor Ct, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 397 Harbor Ct, Key Biscayne, FL 33149 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,734 sqft · built 1959
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on File
Last Sale$1,900,000 (May 2021)
Tax Bill$28,972 (2025)
Deeds & MortgagesMay 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN24-4232-006-3220

Property Details

APN / Parcel Number

Primary APN24-4232-006-3220

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,734 sqft Living Area
Gross Area2,860 sqft
1st Floor Area2,734 sqft

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1969
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions100 ft deep x 75 ft wide
PorchSlab
Porch Area35 sqft
Patio Area530 sqft

Location & Zoning

Street Address397 HARBOR CT
CityKEY BISCAYNE
StateFL
Zip33149-1231
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTROPICAL ISLE HOMES SUB 4TH ADDN PB 53 39 LOT 7 BLK 30 LOT SIZE 75.000 X 100 OR 18788-0814 0999 1
Legal Range42E
Legal Township54S
Legal Section32
Legal SubdivisionTROPICAL ISLE HOMES SUB 4TH ADDN
Legal Block30
Legal Lot Number7
JurisdictionDADE FL
Township / Civil DivisionKEY BISCAYNE
Census Block Group3
Census Block3011
Census Tract4602

Owner

Source: Miami-Dade County records · APN 24-4232-006-3220

Assessment roll updated July 21, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address397 HARBOR CT, KEY BISCAYNE, FL 33149-1231
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 10, 2021 · Amount on Record
Deed SaleMay 10, 2021 · Amount on Record
Prior SaleSep 20, 1999 · Amount on Record
Deed Document Number2021326352
Deed Book / Page32496 / 4489
Record UpdatedSep 20, 2026

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDADE FL
Recording DateMay 10, 2021
Property Address397 HARBOR CT, KEY BISCAYNE, FL 33149-1231
Document Number0000326352
Book / Page32496 / 4489
Map ReferenceMB 53 PG 39
Instrument DateApr 29, 2021
Instrument2021R0326352
Transaction TypeTransfer
Record UpdatedJun 02, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$11,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address397 HARBOR CT, 397, KEY BISCAYNE, FL 33149-1231

Transferred To (Grantee/Buyer)

NameVerified Name
Address397 HARBOR CT, KEY BISCAYNE, FL 33149-1231

Mortgage

Document Number0000004491
DateMay 10, 2021
Instrument32496/4491
Lender
NameBBVA USA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2051

Tax Assessment & Valuation

Source: Miami-Dade County records · Assessment roll updated July 21, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMiami-Dade County
MunicipalityKey Biscayne Village
Unified School DistrictDade County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$28,972.00 (+3.7%) Homeowner's exemption$1,809,411 (+5.99%)$2,438,269 (+11.2%) Land $1,950,000 Building $488,269
2023$27,939.00 (+6.22%) Homeowner's exemption$1,707,201 (+5.14%)$2,192,727 (+35.04%) Land $1,725,000 Building $467,727
2022$26,302.00 Homeowner's exemption$1,623,757 Land $1,323,750 Building $300,007$1,623,757 Land $1,323,750 Building $300,007

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami-Dade County (12086C), updated January 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120860046023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 489 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies548 units insured
59 under condo master policies
Nearby Flood Claims790 (1979–2021)
Most Recent ClaimOct 2021, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 69 claims
  • Hurricane Katrina, Aug 2005 · 44 claims
  • Hurricane Andrew, Aug 1992 · 565 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 84 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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