475 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 475 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,963 sqft · built 1951
Lot Size	0.176 acres (7,661 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,675 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-4232-004-0700`

Property Details

APN / Parcel Number

Primary APN	`24-4232-004-0700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,963 sqft Living Area
Gross Area	2,449 sqft
1st Floor Area	1,963 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2000
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	7,661 sqft (0.176 acres)
Lot Dimensions	100 ft deep x 76.6 ft wide
Porch	Porch
Porch Area	178 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	475 RIDGEWOOD RD
City	KEY BISCAYNE
State	FL
Zip	33149-1836
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 6 BLK 6 LOT SIZE 76.610 X 100 OR 15671-1211 0992 4
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 1ST ADDN
Legal Block	6
Legal Lot Number	6
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	3
Census Block	3006
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	475 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 3, 2018	Quit Claim Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 19, 2018
Transfer Doc	0000264807
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	475 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000670067
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	475 RIDGEWOOD RD KEY BISCAYNE FL 331491836, KEY BISCAYNE, FL 33149-1836

Mortgage

Document Number	0000670067
Date	Oct 25, 2019
Book Page	031662/001259
Instrument	670067

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	475 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000264809
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	475 RIDGEWOOD RD KEY BISCAYNE FL 331491836, KEY BISCAYNE, FL 33149-1836

Mortgage

Document Number	0000264809
Date	May 3, 2018
Book Page	030963/002401
Instrument	264809

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

May 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	DADE FL
Recording Date	May 3, 2018
Property Address	475 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Document Number	0000264807
Book / Page	030963 / 002397
Instrument Date	Apr 19, 2018
Instrument	264807
Record Updated	Jul 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	475 RIDGEWOOD RD KEY BISCAYNE FL 331491836, KEY BISCAYNE, FL 33149-1836

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	$8,675.00 (+3.98%) Homeowner's exemption	$505,064 (+5.99%)	$2,267,668 (+12.14%) Land $1,991,860 Building $275,808
2023	$8,343.00 (+5.93%) Homeowner's exemption	$476,534 (+3%)	$2,022,104 (+25.37%) Land $1,762,030 Building $260,074
2022	$7,876.00 Homeowner's exemption	$462,655	$1,612,948 Land $1,352,166 Building $260,782

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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