4531 N Bay Rd, Miami Beach, FL 33140 Property Records

Miami-Dade County property record for 4531 N Bay Rd, Miami Beach, FL 33140

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,294 sqft · built 1940
Lot Size	0.168 acres (7,320 sqft)
Owner	Company Name on Record
Last Sale	$3,700,000 (Jun 2024)
Tax Bill	$53,118 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-3222-011-0850`

Property Details

APN / Parcel Number

Primary APN	`02-3222-011-0850`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,294 sqft Living Area
Gross Area	3,544 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	7,320 sqft (0.168 acres)
Lot Dimensions	100 ft deep x 73.2 ft wide
Garage Type	Carport
Carport	Carport
Patio Area	200 sqft

Location & Zoning

Street Address	4531 N BAY RD
City	MIAMI BEACH
State	FL
Zip	33140-2860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	22-27 53 42 NAUTILUS SUBPB 8-95 LOT 14BLK 4 LOT SIZE 73.200 X 100 OR 15926-0388 0593 1
Legal Range	42E
Legal Township	53S
Legal Section	22
Legal Subdivision	NAUTILUS SUB
Legal Block	4
Legal Lot Number	14
Jurisdiction	DADE FL
Township / Civil Division	MIAMI BEACH
Census Block Group	2
Census Block	2011
Census Tract	4000

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	Company Name on Record
Mailing Address	2200 BISCAYNE BLVD, MIAMI, FL 33137-5283
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 1, 2019	Warranty Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2024 · Amount on Record
Deed Sale	Jun 27, 2024 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	2024490158
Deed Book / Page	34291 / 730
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	4531 N BAY RD, MIAMI BEACH, FL 33140-2860
Transaction Type	Mortgage
Record Updated	Feb 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 N BAY RD, MIAMI BEACH, FL 33140-2860

Mortgage

Document Number	0000052392
Date	Jan 19, 2022
Book Page	32967/2930
Instrument	2022R0052392

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Feb 1, 2032
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Oct 1, 2019
Property Address	4531 N BAY RD, MIAMI BEACH, FL 33140-2860
Document Number	0000613191
Book / Page	031629 / 000637
Instrument Date	Sep 23, 2019
Instrument	613191
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,310.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4531 N BAY RD MIAMI BEACH FL 331402860, MIAMI BEACH, FL 33140-2860

Mortgage

Document Number	613193
Date	Oct 1, 2019
Book Page	031629/000639
Instrument	613193

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	1525 S BELT LINE RD # 8, COPPELL, TX 75019-4913

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

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	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	$53,118.00 (+91.96%)	$2,831,459 (+92.65%) Land $2,049,600 Building $781,859	$2,831,459 (+12.45%) Land $2,049,600 Building $781,859
2024	$27,671.00 (+2.5%)
2023	$26,995.00 (+3.69%) Homeowner's exemption	$1,469,716 (+3%)	$2,517,990 (+32.3%) Land $1,903,423 Building $614,567
2022	$26,035.00 Homeowner's exemption	$1,426,909	$1,903,297 Land $1,281,006 Building $622,291

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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