Miami-Dade County property record for 441 Island Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 7,105 sqft · built 2003 |
| Lot Size | 0.47 acres (20,502 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $5,350,000 (Jun 2020) |
| Tax Bill | $73,798 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-5205-010-0320 |
| Primary APN | 24-5205-010-0320 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 7,105 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Other |
| Construction Type | Concrete |
| Lot Area | 20,502 sqft (0.47 acres) |
| Lot Dimensions | 172 ft deep x 119 ft wide |
| Patio Area | 200 sqft |
| Fence | Fence |
| Street Address | 441 ISLAND DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-2415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2000:ESTATES,GENERAL |
| Legal Description | 5 55 42 PB 68-81 CAPE FLORIDA SUB SEC 1 LOT 32 & SWLY 10 FT LOT 31 BLK 1 LOT SIZE 119.200 X 172 OR 19809-3386 05/2001 1 |
| Legal Range | 42 |
| Legal Township | 55 |
| Legal Section | 05 |
| Legal Subdivision | CAPE FLA SUB SEC 1 |
| Legal Block | 1 |
| Legal Lot Number | 31,32 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 4602 |
Source: Miami-Dade County records, as of February 13, 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 | 441 ISLAND DR, KEY BISCAYNE, FL 33149-2415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jun 30, 2020 | Warranty Deed, Transfer BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on Record |
| Deed Sale | Jun 30, 2020 · Amount on Record |
| Prior Sale | Jul 31, 2001 · Amount on Record |
| Deed Document Number | 2020R0362066 |
| Deed Book / Page | 31991 / 377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 441 ISLAND DR, KEY BISCAYNE, FL 33149-2415 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Title Company | HOMEPARTNERS TITLE INC, HOMEPARTNERS TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 441 ISLAND DR, KEY BISCAYNE, FL 33149-2415 |
| Document Number | 0000726680 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 32766/2313 |
| Instrument | 2021R0726680 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.87% |
| Type Change Date | Sep 1, 2026 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 3.87% |
| Index | Other |
| Max Rate | 6.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Jun 30, 2020 |
| Property Address | 441 ISLAND DR, KEY BISCAYNE, FL 33149-2415 |
| Document Number | 0000362066 |
| Book / Page | 031991 / 000377 |
| Instrument Date | Jun 25, 2020 |
| Instrument | 362066 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2020 |
| Title Company | ASSURED TITLE, ASSURED TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 441 ISLAND DR KEY BISCAYNE FL 331492415, KEY BISCAYNE, FL 33149-2415 |
| Document Number | 362067 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 031991/000379 |
| Instrument | 362067 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280-0002 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
Source: Miami-Dade County assessment roll, as of July 1, 2025
| 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 | $73,798.00 (+3.64%) Homeowner's exemption | $4,663,294 (+5.99%) | $7,267,115 (+12.3%) Land $5,330,520 Building $1,936,595 |
| 2023 | $71,206.00 (+4.04%) Homeowner's exemption | $4,399,874 (+3%) | $6,470,879 (+19.93%) Land $4,715,460 Building $1,755,419 |
| 2022 | $68,442.00 Homeowner's exemption | $4,271,723 | $5,395,693 Land $3,618,603 Building $1,777,090 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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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