401 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 401 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,464 sqft · built 2021
Lot Size	0.192 acres (8,373 sqft)
Owner	2 Individual Names on Record
Last Sale	$6,900,000 (Sep 2022)
Tax Bill	$93,351 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2022 Sale & Mortgage + 5 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-004-0770`

Property Details

APN / Parcel Number

Primary APN	`24-4232-004-0770`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,464 sqft Living Area
Gross Area	6,101 sqft
1st Floor Area	1,631 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block/Stucco
Construction Type	Concrete Block
Lot Area	8,373 sqft (0.192 acres)
Lot Dimensions	100 ft deep x 83.7 ft wide
Porch	Porch
Porch Area	151 sqft
Patio Area	100 sqft

Location & Zoning

Street Address	401 RIDGEWOOD RD
City	KEY BISCAYNE
State	FL
Zip	33149-1836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	32 54 42 & 5 55 42PB 50-72 TROPICAL ISLE HOMES SUB 1ST ADDN LOT 13BLK 6 LOT SIZE 83.730 X 100 OR 10393-1865 0479 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 1ST ADDN
Legal Block	6
Legal Lot Number	13
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3006
Census Tract	4602

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	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage INTERCREDIT BANK NA
Sep 30, 2022	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 10, 2019	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 22, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 22, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 22, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 10, 2017	Re-recorded Document ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Jun 10, 2019 · Amount on Record
Deed Document Number	2022756125
Deed Book / Page	33403 / 284
Prior Transfer Date	Sep 5, 2017
Prior Transfer Doc	0000566319
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000176784
Date	Mar 11, 2021
Book Page	32393/4447
Instrument	2021R0176784

Lender

Name	INTERCREDIT BANK NA
Type	Bank
Address	MIAMI, FL 33165

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	3.52%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Sep 30, 2022
Property Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000756125
Book / Page	33403 / 284
Map Reference	MB 50 PG 72
Instrument Date	Sep 26, 2022
Instrument	2022R0756125
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 490718, KEY BISCAYNE, FL 33149-0718

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836

Mortgage

Document Number	0000000290
Date	Sep 30, 2022
Instrument	33403/290

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Oct 1, 2025
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	Other
Max Rate	8.62%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jun 10, 2019
Property Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000359667
Book / Page	31477 / 1985
Map Reference	MB 50 PG 72
Instrument Date	May 31, 2019
Instrument	2019R0359667
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$9,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	240 CRANDON BLVD STE 114, 240, KEY BISCAYNE, FL 33149-1543

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 490718, KEY BISCAYNE, FL 33149-0718

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Sep 22, 2017
Property Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000534662
Book / Page	30692 / 2692
Map Reference	MB 50 PG 72
Instrument Date	Sep 5, 2017
Instrument	2017R0534662
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,971.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22378 E IDA PL, 22378, AURORA, CO 80015-4587

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 490718, KEY BISCAYNE, FL 33149-0718

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Sep 22, 2017
Property Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000534663
Book / Page	30692 / 2694
Map Reference	MB 50 PG 72
Instrument Date	Sep 5, 2017
Instrument	2017R0534663
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,971.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 COUNTY ROAD 3265, 398, CLIFTON, TX 76634-4595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 490718, KEY BISCAYNE, FL 33149-0718

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Sep 22, 2017
Property Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000534664
Book / Page	30692 / 2696
Map Reference	MB 50 PG 72
Instrument Date	Sep 5, 2017
Instrument	2017R0534664
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,222.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 COUNTY ROAD 3265, 398, CLIFTON, TX 76634-4595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 490718, KEY BISCAYNE, FL 33149-0718

October 2017: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	DADE FL
Recording Date	Oct 10, 2017
Property Address	401 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000566319
Book / Page	30710 / 3170
Map Reference	MB 50 PG 72
Instrument Date	Sep 5, 2017
Instrument	2017R0566319
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,222.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 COUNTY ROAD 3265, 398, CLIFTON, TX 76634-4595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 490718, KEY BISCAYNE, FL 33149-0718

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	$93,351.00 (+1.65%)	$5,916,598 (+3.03%) Land $2,176,980 Building $3,739,618	$5,916,598 (+3.03%) Land $2,176,980 Building $3,739,618
2023	$91,832.00 (+99.42%)	$5,742,455 (+90.87%) Land $1,925,790 Building $3,816,665	$5,742,455 (+90.87%) Land $1,925,790 Building $3,816,665
2022	$46,049.00	$3,008,543 Land $1,477,834 Building $1,530,709	$3,008,543 Land $1,477,834 Building $1,530,709

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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	Hurricane Irma, Sep 2017 · 69 claims Hurricane Katrina, Aug 2005 · 44 claims Hurricane Andrew, Aug 1992 · 565 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	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.

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 533 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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