485 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 485 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,055 sqft · built 2009
Lot Size	0.176 acres (7,661 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,396,000 (Nov 2011)
Tax Bill	$50,825 (2025)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-4232-004-0690`

Property Details

APN / Parcel Number

Primary APN	`24-4232-004-0690`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,055 sqft Living Area
Gross Area	4,953 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	Prestressed Concrete
Roof Material	Other
Lot Area	7,661 sqft (0.176 acres)
Lot Dimensions	100 ft deep x 76.6 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	244 sqft
Patio Area	325 sqft

Location & Zoning

Street Address	485 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 5 BLK 6 LOT SIZE 76.610 X 100 COC 25206-0853 11 2006 1
Legal Range	42E
Legal Township	54S
Legal Section	32
Legal Subdivision	TROPICAL ISLE HOMES SUB 1ST ADDN
Legal Block	6
Legal Lot Number	5
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	789 CRANDON BLVD, 1202, KEY BISCAYNE, FL 33149-2540
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2011 · Amount on Record
Deed Sale	Nov 9, 2011 · Amount on Record
Prior Sale	Dec 19, 2006 · Amount on Record
Deed Document Number	2011754789
Deed Book / Page	27888 / 676
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	485 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1836
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	789 CRANDON BLVD 1202, 1202, KEY BISCAYNE, FL 33149-2540

Mortgage

Document Number	0000735583
Date	Sep 29, 2025
Book Page	34960/3518
Instrument	2025R0735583

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	SOFR Average 30-Day
Max Rate	11.2%

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	$50,825.00 (+6.72%)	$3,182,179 (+5.53%) Land $1,991,860 Building $1,190,319	$3,182,179 (+5.53%) Land $1,991,860 Building $1,190,319
2023	$47,623.00 (+12.34%)	$3,015,330 (+15.09%) Land $1,762,030 Building $1,253,300	$3,015,330 (+15.09%) Land $1,762,030 Building $1,253,300
2022	$42,392.00	$2,619,872 Land $1,352,166 Building $1,267,706	$2,619,872 Land $1,352,166 Building $1,267,706

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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