Miami-Dade County property record for 525 Ridgewood Rd, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 3,946 sqft · built 1989 |
| Lot Size | 0.189 acres (8,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $705,000 (Oct 1999) |
| Tax Bill | $23,707 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-4232-004-0670 |
| Primary APN | 24-4232-004-0670 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,946 sqft Living Area |
| Gross Area | 4,783 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Rigid Frame Bar Joist |
| Lot Area | 8,246 sqft (0.189 acres) |
| Lot Dimensions | 100 ft deep x 82.5 ft wide |
| Patio Area | 1,500 sqft |
| Street Address | 525 RIDGEWOOD RD |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100 |
| Legal Description | 32 54 42 & 5 55 42PB 50-72 TROPICAL ISLE HOMES SUB 1ST ADDN LOT 3 BLK 6 LOT SIZE 82.460 X 100 OR 18842-0498 1099 1 |
| Legal Range | 42E |
| Legal Township | 54S |
| Legal Section | 32 |
| Legal Subdivision | TROPICAL ISLE HOMES SUB 1ST ADDN |
| Legal Block | 6 |
| Legal Lot Number | 3 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 4602 |
Source: Miami-Dade County records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 525 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1849 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 1999 · Amount on Record |
| Deed Sale | Oct 29, 1999 · Amount on Record |
| Deed Book / Page | 18842 / 498 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 525 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1849 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004251 |
|---|---|
| Date | Jan 3, 2020 |
| Book Page | 31754/1061 |
| Instrument | 2020R0004251 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
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 | $23,707.00 (+3.76%) Homeowner's exemption | $1,462,801 (+5.99%) | $2,725,628 (+11.3%) Land $2,143,960 Building $581,668 |
| 2023 | $22,847.00 (+4.67%) Homeowner's exemption | $1,380,171 (+3%) | $2,448,969 (+21.7%) Land $1,896,580 Building $552,389 |
| 2022 | $21,828.00 Homeowner's exemption | $1,339,972 | $2,012,299 Land $1,455,419 Building $556,880 |
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 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 |
|
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 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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