Miami-Dade County property record for 478 Bay Ln, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 8 ba · 13,242 sqft · built 2004 |
| Lot Size | 0.48 acres (20,900 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $55,000 (Dec 2014) |
| Tax Bill | $161,633 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2020 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 24-4232-007-0040 |
| Primary APN | 24-4232-007-0040 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 8 Baths |
| Stories | 4 Stories |
| Building Area | 13,242 sqft Living Area |
| Gross Area | 14,122 sqft |
| Elevator | Elevator |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Concrete Block |
| Roof Material | Other |
| Lot Area | 20,900 sqft (0.48 acres) |
| Lot Dimensions | 209 ft deep x 100 ft wide |
| Street Address | 478 BAY LN |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2000 |
| Legal Description | 32 54 42 & 5 6 55 42 TROPICAL ISLE HOMES RESUB 3RD ADDPB 52-27 LOT 5BLK 17 LOT SIZE100.000 X 209 OR 17248-3418 0696 1 |
| Legal Range | 42E |
| Legal Township | 54S |
| Legal Section | 32 |
| Legal Subdivision | TROPICAL ISLE HOMES RESUB 3RD ADD |
| Legal Block | 17 |
| Legal Lot Number | 5 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 4602 |
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 Company Names on Record |
|---|---|
| Mailing Address | 478 BAY LN, KEY BISCAYNE, FL 33149-1702 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Jul 16, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 7, 2017 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2014 · Amount on Record |
| Deed Sale | Dec 16, 2014 · Amount on Record |
| Prior Sale | Jun 24, 1996 · Amount on Record |
| Deed Document Number | 2014858774 |
| Deed Book / Page | 29430 / 3078 |
| Prior Transfer Date | Dec 3, 2014 |
| Prior Transfer Doc | 0000858774 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 478 BAY LN, KEY BISCAYNE, FL 33149-1702 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000075934 |
|---|---|
| Date | Jan 26, 2022 |
| Book Page | 32983/231 |
| Instrument | 2022R0075934 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | HOUSTON, TX 77046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Jul 16, 2020 |
| Property Address | 478 BAY LN, KEY BISCAYNE, FL 33149-1702 |
| Document Number | 0000388846 |
| Book / Page | 032010 / 000235 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 388846 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 478 BAY LN KEY BISCAYNE FL 331491702, KEY BISCAYNE, FL 33149-1702 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 478 BAY LN, KEY BISCAYNE, FL 33149-1702 |
| Document Number | 0000660392 |
| Instrument Date | Nov 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | ALL WORLD TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 478 BAY LN KEY BISCAYNE FL 331491702, KEY BISCAYNE, FL 33149-1702 |
| Document Number | 0000660392 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | 030766/004542 |
| Instrument | 660392 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | 700 LOUISIANA ST 4TH, HOUSTON, TX 77002 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Nov 21, 2032 |
Source: Miami-Dade County assessment roll, as of October 21, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Key Biscayne Village |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $161,633.00 (+3.62%) Homeowner's exemption | $10,317,105 (+5.99%) | $17,484,896 (+34.09%) Land $14,630,000 Building $2,854,896 |
| 2023 | $155,993.00 (+3.52%) Homeowner's exemption | $9,734,313 (+3%) | $13,039,618 (+4.94%) Land $10,450,000 Building $2,589,618 |
| 2022 | $150,689.00 Homeowner's exemption | $9,450,790 | $12,425,921 Land $9,614,000 Building $2,811,921 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 201 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 201 in force |
| Nearby Flood Claims | 312 (1979–2024) |
| Claims Outside the SFHA | 1 of 312 |
| Most Recent Claim | Jun 2024 · rainfall accumulation |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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