449 Loretto Ave, Coral Gables (Miami), FL 33146 Property Records

Miami-Dade County property record for 449 Loretto Ave, Coral Gables, FL 33146

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,069 sqft · built 1950
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (May 2014)
Tax Bill	$7,783 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-4120-023-1200`

Property Details

APN / Parcel Number

Primary APN	`03-4120-023-1200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,069 sqft Living Area
Gross Area	1,419 sqft
1st Floor Area	1,069 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1955
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	150 sqft
Porch	Porch
Porch Area	25 sqft

Location & Zoning

Street Address	449 LORETTO AVE
City	CORAL GABLES
State	FL
Zip	33146-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	CORAL GABLES RIVIERA SEC 2 REV PB 28-18 LOT 14 & NE20FT LOT 15 BLK 39 LOT SIZE 70 X 100 OR 20124-3075 11/2001 1 COC 23202-4362 03 2005 1
Legal Range	41E
Legal Township	54S
Legal Section	20
Legal Subdivision	CORAL GABLES RIVIERA
Legal Block	39
Legal Lot Number	14,15
Jurisdiction	DADE FL
Township / Civil Division	MIAMI
Census Block Group	3
Census Block	3031
Census Tract	7403

Owner

449 Loretto Ave is owned and occupied by an individual who bought it in May 2014.

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

Owner of Record	Individual Name on File
Mailing Address	449 LORETTO AVE, CORAL GABLES, FL 33146-2105
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 17, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jul 3, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2014 · Amount on File
Deed Sale	May 14, 2014 · Amount on File
Prior Sale	Mar 24, 2005 · Amount on File
Deed Document Number	2014348828
Deed Book / Page	29151 / 4370
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	449 LORETTO AVE, CORAL GABLES, FL 33146-2105
Transaction Type	Mortgage
Record Updated	Jun 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 LORETTO AVE, CORAL GABLES, FL 33146-2105

Mortgage

Document Number	0000395642
Date	May 17, 2022
Book Page	33188/48
Instrument	2022R0395642

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	449 LORETTO AVE, CORAL GABLES, FL 33146-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000377625
Date	Jul 3, 2017
Book Page	30597/4307
Instrument	2017R0377625

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	449 LORETTO AVE, CORAL GABLES, FL 33146-2105
Document Number	0000213314
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 LORETTO AVE CORAL GABLES FL 331462105, CORAL GABLES, FL 33146-2105

Mortgage

Document Number	0000213314
Date	Apr 8, 2020
Book Page	031887/001196
Instrument	213314

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 449 Loretto Ave was $7,783 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	$7,783.00 Homeowner's exemption	$465,524	$1,050,323 Land $910,000 Building $140,323
2023	$7,363.00 (+3.38%) Homeowner's exemption	$439,229 (+3%)	$735,323 (+27.86%) Land $595,000 Building $140,323
2022	$7,122.00 Homeowner's exemption	$426,436	$575,120 Land $444,500 Building $130,620

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

Flood

FEMA maps place 449 Loretto Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 50 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	50 in force

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

The area around 449 Loretto Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 362 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
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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