431 Bianca Ave, Miami, FL 33146 Property Records

Miami-Dade County property record for 431 Bianca Ave, Miami, FL 33146

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,889 sqft · built 1991
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,363 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-4120-023-3435`

Property Details

APN / Parcel Number

Primary APN	`03-4120-023-3435`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,889 sqft Living Area
Gross Area	2,231 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Patio Area	200 sqft

Location & Zoning

Street Address	431 BIANCA AVE
City	MIAMI
State	FL
Zip	33146-2224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	20 54 41 CORAL GABLES RIVIERA SEC 2 REV PB 28-18 LOT 22 BLK 102 LOT SIZE 50.000 X 100 F/A/U FOLIO 03-4120-023 3430 OR 19874-0046 08/2001 4
Legal Range	41E
Legal Township	54S
Legal Section	20
Legal Subdivision	CORAL GABLES RIVIERA
Legal Block	102
Legal Lot Number	22
Jurisdiction	DADE FL
Township / Civil Division	MIAMI
Census Block Group	1
Census Block	1010
Census Tract	7401

Owner

431 Bianca Ave is owned and occupied by two individuals.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	431 BIANCA AVE, MIAMI, FL 33146-2224
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Feb 18, 2020	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	431 BIANCA AVE, CORAL GABLES, FL 33146-2224
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000408857
Date	May 19, 2022
Book Page	33196/3295
Instrument	2022R0408857

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	MIAMI, FL 33186

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 16, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	431 BIANCA AVE, CORAL GABLES, FL 33146-2224
Document Number	0000142973
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Apr 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 BIANCA AVE CORAL GABLES FL 33146, CORAL GABLES, FL 33146

Mortgage

Document Number	0000142973
Date	Mar 6, 2020
Book Page	031840/000678
Instrument	142973

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	MIAMI, FL 33186

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 5, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 431 Bianca Ave was $7,363 with a homeowner's exemption.

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Coral Gables City
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,363.00 Homeowner's exemption	$405,160	$997,458 Land $725,000 Building $272,458
2023	$7,258.00 (+3.51%) Homeowner's exemption	$382,274 (+3%)	$751,460 (+15%) Land $475,000 Building $276,460
2022	$7,012.00 Homeowner's exemption	$371,140	$653,460 Land $375,000 Building $278,460

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

Flood

FEMA maps place 431 Bianca Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 155 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	186 units insured incl. 31 condo units
Nearby Flood Claims	6 (2017–2023)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2023 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 3 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

Wildfire risk around 431 Bianca Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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.

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 558 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 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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