412 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 412 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,264 sqft · built 1951
Lot Size	0.176 acres (7,652 sqft)
Owner	2 Company Names on Record
Last Sale	$3,150,000 (Apr 2025)
Tax Bill	$39,545 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-004-0570`

Property Details

APN / Parcel Number

Primary APN	`24-4232-004-0570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,264 sqft Living Area
Gross Area	2,792 sqft
1st Floor Area	2,264 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1987
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	7,652 sqft (0.176 acres)
Lot Dimensions	100 ft deep x 76.5 ft wide
Patio Area	886 sqft

Location & Zoning

Street Address	412 RIDGEWOOD RD
City	KEY BISCAYNE
State	FL
Zip	33149-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	TROPICAL ISLE HOMES SUB 1ST ADDN PB 50-72 LOT 19BLK 5 LOT SIZE 76.520 X 100 OR 12805-610 0186 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 1ST ADDN
Legal Block	5
Legal Lot Number	19
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3007
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 Company Names on Record
Mailing Address	412 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage NP INC
Jul 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage NP INC
May 19, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2025 · Amount on Record
Deed Sale	Apr 1, 2025 · Amount on Record
Prior Sale	May 19, 2021 · Amount on Record
Deed Document Number	2025247721
Deed Book / Page	34687 / 2794
Prior Transfer Date	Dec 21, 2010
Prior Transfer Doc	0000087798
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	412 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 HILLTOP RD, NORWALK, CT 06854-5001

Mortgage

Document Number	0000505259
Date	Jul 21, 2023
Book Page	33803/1528
Instrument	2023R0505259

Lender

Name	NP INC
Type	Mortgage Company
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	412 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 HILLTOP RD, NORWALK, CT 06854-5001

Mortgage

Document Number	0000523312
Date	Jul 28, 2023
Book Page	33812/4731
Instrument	2023R0523312

Lender

Name	NP INC
Type	Mortgage Company
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	May 19, 2021
Property Address	412 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Document Number	0000352424
Book / Page	32515 / 2217
Map Reference	MB 50 PG 72
Instrument Date	May 3, 2021
Instrument	2021R0352424
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$13,404.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	911 HARBOR DR, KEY BISCAYNE, FL 33149-1729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837

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	$39,545.00 (+12.91%)	$2,438,609 (+8.93%)	$2,455,964 (+9.71%) Land $1,989,520 Building $466,444
2023	$35,025.00 (+15.72%)	$2,238,658 (+22.19%) Land $1,759,960 Building $478,698	$2,238,658 (+22.19%) Land $1,759,960 Building $478,698
2022	$30,267.00	$1,832,164 Land $1,350,578 Building $481,586	$1,832,164 Land $1,350,578 Building $481,586

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

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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