Miami-Dade County property record for 401 Harbor Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,247 sqft · built 1952 |
| Lot Size | 0.2 acres (8,746 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $825,000 (Dec 2002) |
| Tax Bill | $24,802 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Mar 2021 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 24-4232-005-0210 |
| Primary APN | 24-4232-005-0210 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,247 sqft Living Area |
| Flooring | Vinyl/Resilient |
| Elevator | Elevator |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete |
| Lot Area | 8,746 sqft (0.2 acres) |
| Lot Dimensions | 103 ft deep x 84 ft wide |
| Patio Area | 200 sqft |
| Fence | Fence |
| Street Address | 401 HARBOR DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100:SINGLE FAM,GENERAL |
| Legal Description | TROPICAL ISLE HOMES SUB 3RD ADDN PB 50-83 LOT 15 BLK 13 LOT SIZE 8746 SQ OR 20850-2472 12/2002 1 |
| Legal Range | 42 |
| Legal Township | 54 |
| Legal Section | 32 |
| Legal Subdivision | TROPICAL ISLE HOMES SUB 3RD ADDN |
| Legal Block | 13 |
| Legal Lot Number | 15 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 4602 |
Source: Miami-Dade County records, as of February 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 401 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROFESSIONAL BANK |
| Mar 31, 2021 | Deed of Trust, Mortgage · Line of Credit PROFESSIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2002 · Amount on Record |
| Deed Sale | Dec 1, 2002 · Amount on Record |
| Deed Document Number | 0208502472 |
| Deed Book / Page | 20850 / 2472 |
| Last Transfer Date | Dec 5, 2002 |
| Transfer Doc | 0208502472 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 401 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 401 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Document Number | 0000222012 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 32424/4644 |
| Instrument | 2021R0222012 |
| Name | PROFESSIONAL BANK |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 401 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 401 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Document Number | 0000222013 |
|---|---|
| Date | Mar 31, 2021 |
| Book Page | 32424/4660 |
| Instrument | 2021R0222013 |
| Name | PROFESSIONAL BANK |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33134 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Miami-Dade County assessment roll, as of July 1, 2025
| 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 | $24,802.00 (+3.67%) Homeowner's exemption | $1,547,100 (+5.99%) | $3,057,115 (+8.9%) Land $2,273,960 Building $783,155 |
| 2023 | $23,925.00 (+3.86%) Homeowner's exemption | $1,459,708 (+3%) | $2,807,361 (+19.68%) Land $2,011,580 Building $795,781 |
| 2022 | $23,036.00 Homeowner's exemption | $1,417,193 | $2,345,762 Land $1,543,669 Building $802,093 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 489 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 548 units insured incl. 59 condo units |
| Nearby Flood Claims | 790 (1979–2021) |
| Most Recent Claim | Oct 2021 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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