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452 Harbor Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 452 Harbor Dr, Key Biscayne, FL 33149 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details6 bd · 6 ba · 10,505 sqft · built 2002
Lot Size0.626 acres (27,280 sqft)
Owner2 Individual Names on File
Last Sale$2,650,000 (Oct 1998)
Tax Bill$197,573 (2025)
Deeds & MortgagesMay 2020 Mortgage
Flood ZoneZone AE (high risk)
APN24-4232-007-0060

Property Details

APN / Parcel Number

Primary APN24-4232-007-0060

Interior

Bedrooms6 Beds
Full Baths6 Baths
Stories3 Stories
Building Area10,505 sqft Living Area
Gross Area14,198 sqft
ElevatorElevator

Exterior

Year BuiltBuilt 2002
Exterior MaterialOther
Construction TypeConcrete
Lot Area27,280 sqft (0.626 acres)
Lot Dimensions248 ft deep x 110 ft wide
Patio Area500 sqft
FenceFence
Gazebo400 sqft

Location & Zoning

Street Address452 HARBOR DR
CityKEY BISCAYNE
StateFL
Zip33149-1705
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description32 54 42 & 5 6 55 42 TROPICAL ISLE HOMES RESUB 3RD ADD PB 52-27 LOT 7 BLK 17 LOT SIZE 110.000 X 248 OR 18316-4652 0998 1
Legal Range42
Legal Township54
Legal Section32
Legal SubdivisionTROPICAL ISLE HOMES RESUB 3RD ADDN
Legal Block17
Legal Lot Number7
JurisdictionDADE FL
Township / Civil DivisionKEY BISCAYNE
Census Block Group1
Census Block1003
Census Tract4602

Owner

Source: Miami-Dade County records · APN 24-4232-007-0060

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address452 HARBOR DR, KEY BISCAYNE, FL 33149-1705
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 19, 1998 · Amount on Record
Deed SaleOct 19, 1998 · Amount on Record
Deed Document Number1831604652
Deed Book / Page18316 / 04652
Record UpdatedJun 08, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDADE FL
Property Address452 HARBOR DR, KEY BISCAYNE, FL 33149-1705
Document Number0000295587
Instrument DateMay 18, 2020
Transaction TypeMortgage
Record UpdatedJun 09, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address452 HARBOR DR KEY BISCAYNE FL 331491705, KEY BISCAYNE, FL 33149-1705

Mortgage

Document Number0000295587
DateMay 22, 2020
Book Page031945/001174
Instrument295587
Lender
NameNORTHERN TR BK/CO
TypeBank
Address50 S LA SALLE ST, CHICAGO, IL 60603-1008
Agreement
AmountAmount Recorded
Term360 Months
DueMay 21, 2050
Interest
Rate TypeAdjustable Rate
Rate2.25%

Tax Assessment & Valuation

Source: Miami-Dade County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMiami-Dade County
MunicipalityKey Biscayne Village
Unified School DistrictDade County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$197,573.00 (+3.63%) Homeowner's exemption$12,580,044 (+5.99%)$23,246,293 (+29.89%) Land $19,096,000 Building $4,150,293
2023$190,648.00 (+3.82%) Homeowner's exemption$11,869,423 (+3%)$17,896,668 (+6.16%) Land $13,640,000 Building $4,256,668
2022$183,632.00 Homeowner's exemption$11,523,712$16,858,656 Land $12,548,800 Building $4,309,856

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami-Dade County (12086C), updated January 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120860046021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 201 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies201 in force
Nearby Flood Claims312 (1979–2024)
Claims Outside the SFHA1 of 312
Most Recent ClaimJun 2024, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 38 claims
  • Hurricane Wilma, Oct 2005 · 26 claims
  • Hurricane Andrew, Aug 1992 · 195 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 84 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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