Miami-Dade County property record for 401 Island Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,437 sqft · built 1972 |
| Lot Size | 0.29 acres (12,625 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $13,290 (2025) |
| Deeds & Mortgages | Jul 2018 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 24-5205-010-0270 |
| Primary APN | 24-5205-010-0270 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,437 sqft Living Area |
| Gross Area | 3,133 sqft |
| 1st Floor Area | 2,437 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block/Hollow Tile/Frame |
| Construction Type | Concrete Block |
| Lot Area | 12,625 sqft (0.29 acres) |
| Lot Dimensions | 122 ft deep x 103 ft wide |
| Patio Area | 1,158 sqft |
| Street Address | 401 ISLAND DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-2415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2000 |
| Legal Description | 5 55 42 CAPE FLORIDA SUB SEC 1 PB 68-81 LOT 27 & E17FT OF LOT 28 BLK 1 LOT SIZE103.480 X 122 OR 12400-97 0185 5 |
| Legal Range | 42E |
| Legal Township | 55S |
| Legal Section | 05 |
| Legal Subdivision | CAPE FLORIDA SUB |
| Legal Block | 1 |
| Legal Lot Number | 27,28 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 4602 |
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 | 401 ISLAND DR, KEY BISCAYNE, FL 33149-2415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 401 ISLAND DR, KEY BISCAYNE, FL 33149-2415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000450213 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 31075/1756 |
| Instrument | 2018R0450213 |
| Name | MERCANTIL BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33134 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $13,290.00 (+3.77%) Homeowner's exemption | $792,278 (+5.99%) | $3,654,526 (+12.19%) Land $3,282,500 Building $372,026 |
| 2023 | $12,807.00 (+5.98%) Homeowner's exemption | $747,525 (+3%) | $3,257,383 (+26.01%) Land $2,903,750 Building $353,633 |
| 2022 | $12,084.00 Homeowner's exemption | $725,753 | $2,585,076 Land $2,228,312 Building $356,764 |
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 | Low lower than 98% of the US · lower than 97.6% 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 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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