462 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 462 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	6 bd · 6.5 ba · 3,793 sqft · built 2009
Lot Size	0.176 acres (7,652 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,600,000 (Oct 2019)
Tax Bill	$35,860 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2022 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-004-0620`

Property Details

APN / Parcel Number

Primary APN	`24-4232-004-0620`

Interior

Bedrooms	6 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,793 sqft Living Area
Gross Area	5,245 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	7,652 sqft (0.176 acres)
Lot Dimensions	100 ft deep x 76.5 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	441 sqft
Patio Area	450 sqft

Location & Zoning

Street Address	462 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 24BLK 5 LOT SIZE 76.520 X 100 OR 20136-3214 09/2000 5 COC 22787-3560 10 2004 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 1ST ADDN
Legal Block	5
Legal Lot Number	24
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	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 5, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Oct 3, 2019	Warranty Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2019 · Amount on Record
Deed Sale	Oct 3, 2019 · Amount on Record
Prior Sale	Apr 28, 2010 · Amount on Record
Deed Document Number	2019618873
Deed Book / Page	31632 / 1399
Last Transfer Date	Apr 12, 2021
Transfer Doc	0000289745
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837

Mortgage

Document Number	0000784753
Date	Oct 17, 2025
Book Page	34989/3985
Instrument	2025R0784753

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 RIDGEWOOD RD, MIAMI, FL 33149-1837

Mortgage

Document Number	0000621875
Date	Aug 5, 2022
Book Page	33325/436
Instrument	2022R0621875

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DADE FL
Recording Date	Apr 27, 2021
Property Address	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Document Number	0000289745
Book / Page	32471 / 1169
Map Reference	MB 50 PG 72
Instrument Date	Apr 12, 2021
Instrument	2021R0289745
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837

Mortgage

Document Number	0000001171
Date	Apr 27, 2021
Instrument	32471/1171

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Oct 3, 2019
Property Address	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837
Document Number	0000618873
Book / Page	31632 / 1399
Map Reference	MB 50 PG 72
Instrument Date	Sep 27, 2019
Instrument	2019R0618873
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	$15,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 CRANDON BLVD APT 104, 251, KEY BISCAYNE, FL 33149-1505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1837

Mortgage

Document Number	0000001401
Date	Oct 3, 2019
Instrument	31632/1401

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

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	$35,860.00 (+3.69%) Homeowner's exemption	$2,250,553 (+5.99%)	$3,185,924 (+15.58%) Land $1,989,520 Building $1,196,404
2023	$34,585.00 (+3.91%) Homeowner's exemption	$2,123,425 (+3%)	$2,756,391 (+16.87%) Land $1,759,960 Building $996,431
2022	$33,283.00 Homeowner's exemption	$2,061,578	$2,358,462 Land $1,350,578 Building $1,007,884

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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