Miami-Dade County property record for 425 Harbor Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6.5 ba · 4,565 sqft · built 2020 |
| Lot Size | 0.213 acres (9,258 sqft) |
| Owner | Individual Name on File |
| Last Sale | $6,800,000 (May 2023) |
| Tax Bill | $89,672 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage May 2023 Sale + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 24-4232-005-0220 |
| Primary APN | 24-4232-005-0220 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 4,565 sqft Living Area |
| Gross Area | 6,092 sqft |
| Elevator | Elevator |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Rigid Frame Bar Joist |
| Lot Area | 9,258 sqft (0.213 acres) |
| Lot Dimensions | 102 ft deep x 86.3 ft wide |
| Garage Area | 224 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 36 sqft |
| Porch | Porch |
| Porch Area | 323 sqft |
| Patio Area | 864 sqft |
| Street Address | 425 HARBOR DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100 |
| Legal Description | 32 54 42 & 5-6 55 42 PB 50-83 TROPICAL ISLE HOMES SUB 3RD ADDN LOT 16 BLK 13 LOT SIZE 9258.00 SQ FT COC 22279-1992 05 2004 1 |
| Legal Range | 42E |
| Legal Township | 54S |
| Legal Section | 32 |
| Legal Subdivision | TROPICAL ISLE HOMES SUB 3RD ADDN |
| Legal Block | 13 |
| Legal Lot Number | 16 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 4602 |
Source: Miami-Dade County records · APN 24-4232-005-0220
Assessment roll updated July 21, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 425 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 08, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| May 10, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage HSBC BANK USA |
| Mar 04, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 10, 2023 · Amount on Record |
| Deed Sale | May 10, 2023 · Amount on Record |
| Prior Sale | Oct 21, 2020 · Amount on Record |
| Deed Document Number | 2023315356 |
| Deed Book / Page | 33701 / 3288 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 425 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1111 AV CONDES DE BARCELONA, PORTUGAL XX |
| Document Number | 0000633892 |
|---|---|
| Date | Sep 08, 2023 |
| Book Page | 33872/3275 |
| Instrument | 2023R0633892 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | May 10, 2023 |
| Property Address | 425 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Document Number | 0000315356 |
| Book / Page | 33701 / 3288 |
| Map Reference | MB 50 PG 83 |
| Instrument Date | May 01, 2023 |
| Instrument | 2023R0315356 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $40,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1111 CRANDON BLVD # BLVDA208, BLVDA208, KEY BISCAYNE, FL 33149-2745 |
| Name | Verified Name |
|---|---|
| Address | 425 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Oct 21, 2020 |
| Property Address | 425 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Document Number | 0000602333 |
| Book / Page | 32156 / 1763 |
| Map Reference | MB 50 PG 83 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 2020R0602333 |
| Transaction Type | Transfer |
| Record Updated | Feb 01, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | CAMINO DCL FAISAN 8179, 8179, VITACURA XX |
| Name | Verified Name |
|---|---|
| Address | 425 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Document Number | 0000001765 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 32156/1765 |
| Name | HSBC BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Mar 04, 2020 |
| Property Address | 425 HARBOR DR, KEY BISCAYNE, FL 33149-1704 |
| Document Number | 0000136134 |
| Book / Page | 031836 / 001721 |
| Instrument Date | Jan 13, 2020 |
| Instrument | 136134 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $23,040.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 425 HARBOR DR KEY BISCAYNE FL 331491704, KEY BISCAYNE, FL 33149-1704 |
Source: Miami-Dade County records · Assessment roll updated July 21, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Key Biscayne Village |
| Unified School District | Dade County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $89,672.00 (+37.85%) | $5,683,569 (+39.43%) Land $2,407,080 Building $3,276,489 | $5,683,569 (+39.43%) Land $2,407,080 Building $3,276,489 |
| 2023 | $65,049.00 (+11.58%) | $4,076,397 (+13.22%) Land $2,129,340 Building $1,947,057 | $4,076,397 (+13.22%) Land $2,129,340 Building $1,947,057 |
| 2022 | $58,298.00 | $3,600,561 Land $1,634,037 Building $1,966,524 | $3,600,561 Land $1,634,037 Building $1,966,524 |
Source: FEMA National Flood Hazard Layer, Miami-Dade County (12086C), as of January 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120860046023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 84 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL4130871, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MDWASA - MAIN SYSTEM serves 2,377,460 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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