442 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 442 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,475 sqft · built 2006
Lot Size	0.176 acres (7,652 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,305,000 (Dec 2020)
Tax Bill	$33,161 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-4232-004-0600`

Property Details

APN / Parcel Number

Primary APN	`24-4232-004-0600`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,475 sqft Living Area
Gross Area	4,085 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	7,652 sqft (0.176 acres)
Lot Dimensions	100 ft deep x 76.5 ft wide
Garage Area	267 sqft
Porch	Porch
Porch Area	105 sqft
Patio Area	100 sqft

Location & Zoning

Street Address	442 RIDGEWOOD RD
City	KEY BISCAYNE
State	FL
Zip	33149-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	TROPICAL ISLE HOMES SUB 1ST ADDN PB 50-72 LOT 22 BLK 5 LOT SIZE 76.520 X 100 OR 9927 1854 0977 4 COC 26227-4979 02 2008 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 1ST ADDN
Legal Block	5
Legal Lot Number	22
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3007
Census Tract	4602

Owner

Source: Miami-Dade County records, as of October 21, 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	442 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage SILICON VALLEY BANK
Dec 16, 2020	Warranty Deed, Transfer · Conventional Mortgage SILICON VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Prior Sale	Feb 22, 2008 · Amount on Record
Deed Document Number	2020727602
Deed Book / Page	32244 / 2894
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	442 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Transaction Type	Mortgage
Record Updated	Apr 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837

Mortgage

Document Number	0000071759
Date	Jan 25, 2022
Book Page	32980/1439
Instrument	2022R0071759

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CLARA, CA 95054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.37%
Max Rate At Change	3.37%
Index	Other
Max Rate	7.37%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Dec 16, 2020
Property Address	442 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Document Number	0000727602
Book / Page	32244 / 2894
Map Reference	MB 50 PG 72
Instrument Date	Dec 7, 2020
Instrument	2020R0727602
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,830.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 CRANDON BLVD STE 105, 328, KEY BISCAYNE, FL 33149-1328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837

Mortgage

Document Number	0000002896
Date	Dec 16, 2020
Instrument	32244/2896

Lender

Name	SILICON VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2028
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	8.62%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Key Biscayne Village
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$33,161.00 (+3.69%) Homeowner's exemption	$2,080,907 (+5.99%)	$3,005,877 (+7.31%) Land $1,989,520 Building $1,016,357
2023	$31,982.00 (+3.79%) Homeowner's exemption	$1,963,362 (+3%)	$2,801,106 (+16.51%) Land $1,759,960 Building $1,041,146
2022	$30,814.00 Homeowner's exemption	$1,906,177	$2,404,119 Land $1,350,578 Building $1,053,541

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

Flood

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	Hurricane Irma, Sep 2017 · 69 claims Hurricane Katrina, Aug 2005 · 44 claims Hurricane Andrew, Aug 1992 · 565 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

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

Wildfire Risk	Not rated no burnable land within 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 533 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 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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