4415 N Bay Rd, Miami Beach, FL 33140 Property Records

Miami-Dade County property record for 4415 N Bay Rd, Miami Beach, FL 33140

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,271 sqft · built 1940
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$2,700,000 (Dec 2023)
Tax Bill	$41,606 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-3222-011-1110`

Property Details

APN / Parcel Number

Primary APN	`02-3222-011-1110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,271 sqft Living Area
Gross Area	3,647 sqft
1st Floor Area	3,271 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2007
Exterior Material	Stucco
Construction Type	Concrete Block
Roof Type	Rigid Frame Bar Joist
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Area	130 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	36 sqft
Porch	Porch
Porch Area	46 sqft
Patio Area	300 sqft

Location & Zoning

Street Address	4415 N BAY RD
City	MIAMI BEACH
State	FL
Zip	33140-2858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	NAUTILUS SUBPB 8-95 LOT 10BLK 5 LOT SIZE 60.000 X 100 COC 23560-0258 07 2005 1
Legal Range	42E
Legal Township	53S
Legal Section	22
Legal Subdivision	NAUTILUS SUB
Legal Block	5
Legal Lot Number	10
Jurisdiction	DADE FL
Township / Civil Division	MIAMI BEACH
Census Block Group	2
Census Block	2009
Census Tract	4000

Owner

4415 N Bay Rd is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4415 N BAY RD, MIAMI BEACH, FL 33140-2858
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Dec 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2023	Re-recorded Document PINNACLE TITLE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2023 · Amount on File
Deed Sale	Dec 21, 2023 · Amount on File
Prior Sale	Jul 12, 2005 · Amount on File
Deed Document Number	2023916509
Deed Book / Page	34020 / 2560
Prior Transfer Date	Dec 13, 2023
Prior Transfer Doc	0000932657
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	4415 N BAY RD, MIAMI BEACH, FL 33140-2858
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4415 N BAY RD, MIAMI BEACH, FL 33140-2858

Mortgage

Document Number	0000812080
Date	Oct 28, 2025
Book Page	35006/579
Instrument	2025R0812080

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Dec 21, 2023
Property Address	4415 N BAY RD, MIAMI BEACH, FL 33140-2858
Document Number	0000916509
Book / Page	34020 / 2560
Map Reference	MB 8 PG 95
Instrument Date	Dec 13, 2023
Instrument	2023R0916509
Transaction Type	Transfer
Record Updated	Jan 11, 2024
Title Company	PINNACLE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,200.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 S TREASURE DR # DR7E, DR7E, NORTH BAY VILLAGE, FL 33141-4383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4415 N BAY RD, MIAMI BEACH, FL 33140-2858

Mortgage

Document Number	0000002564
Date	Dec 21, 2023
Instrument	34020/2564

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

December 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	DADE FL
Recording Date	Dec 28, 2023
Property Address	4415 N BAY RD, MIAMI BEACH, FL 33140-2858
Document Number	0000932657
Book / Page	34030 / 3600
Map Reference	MB 8 PG 95
Instrument Date	Dec 13, 2023
Instrument	2023R0932657
Record Updated	Jan 15, 2024
Title Company	PINNACLE TITLE GROUP LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1900 S TREASURE DR # DR7E, DR7E, NORTH BAY VILLAGE, FL 33141-4383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4415 N BAY RD, MIAMI BEACH, FL 33140-2858

Tax Assessment & Valuation

The 2025 property tax bill for 4415 N Bay Rd was $41,606 with a homeowner's exemption, up 2.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$41,606.00 (+2.76%) Homeowner's exemption	$2,259,464	$2,309,106 Land $1,680,000 Building $629,106
2024	$40,487.00 (+51.23%)
2023	$26,772.00 (+21.44%)	$2,070,672 (+32.25%) Land $1,560,182 Building $510,490	$2,070,672 (+32.25%) Land $1,560,182 Building $510,490
2022	$22,046.00	$1,565,673 Land $1,050,005 Building $515,668	$1,565,673 Land $1,050,005 Building $515,668

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

Flood

FEMA maps place 4415 N Bay Rd 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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 248 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	358 units insured incl. 110 condo units
Nearby Flood Claims	124 (1980–2025)
Most Recent Claim	Jun 2025 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 5 claims Hurricane Irene, Oct 1999 · 15 claims Hurricane Andrew, Aug 1992 · 15 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 4415 N Bay Rd 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	CITY OF MIAMI BEACH serves 100,000 people · EPA ID FL4130901
Water Source	Purchased groundwater from MDWASA - MAIN SYSTEM
Last State Inspection	Dec 2022
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	15 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Xfinity.

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