Miami-Dade County property record for 431 Island Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 7 ba · 11,375 sqft · built 2017 |
| Lot Size | 1 acre (43,812 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $3,325,000 (Jul 2012) |
| Tax Bill | $146,146 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 24-5205-010-0310 |
| Primary APN | 24-5205-010-0310 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 7 Baths |
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 11,375 sqft Living Area |
| Gross Area | 15,024 sqft |
| 1st Floor Area | 425 sqft |
| Elevator | Elevator |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Concrete Block |
| Roof Type | Rigid Frame Bar Joist |
| Lot Area | 43,812 sqft |
| Pool Type | Pool with Hot Tub/Spa |
|---|---|
| Pool Area | 80 sqft |
| Porch | Porch |
| Porch Area | 443 sqft |
| Patio Area | 1,490 sqft |
| Total Buildings | 3 Buildings |
| Street Address | 431 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 | CAPE FLORIDA SUB SEC 1 PB 68-81 LOTS 29-31 LESS SWLY 10FTBK 1 LOT SIZE 43812 SQ FT M/L OR 9566-698 |
| Legal Range | 42E |
| Legal Township | 55S |
| Legal Section | 05 |
| Legal Subdivision | CAPE FLORIDA SUB |
| Legal Block | 3 |
| Legal Lot Number | 29-31 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 4602 |
431 Island Dr is owner-occupied and held in a trust since July 2012.
Source: Miami-Dade County records, as of October 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 431 ISLAND DR, KEY BISCAYNE, FL 33149-2415 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2012 · Amount on File |
| Deed Sale | Jul 2, 2012 · Amount on File |
| Deed Document Number | 2012466014 |
| Deed Book / Page | 28172 / 1949 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 431 Island Dr was $146,146 with a homeowner's exemption.
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 | $146,146.00 Homeowner's exemption | $9,262,695 | $13,977,609 Land $10,113,220 Building $3,864,389 |
| 2023 | $141,013.00 (+4.13%) Homeowner's exemption | $8,739,465 (+3%) | $12,457,508 (+19.63%) Land $8,946,310 Building $3,511,198 |
| 2022 | $135,418.00 Homeowner's exemption | $8,484,918 | $10,413,471 Land $6,865,321 Building $3,548,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Island Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 431 Island Dr 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 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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