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544 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 544 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property TypeSingle Family Home
Details6 bd · 7.5 ba · 3,888 sqft · built 2017
Lot Size0.18 acres (7,850 sqft)
Owner2 Trust Names on File
Last Sale$4,600,000 (Oct 2022)
Tax Bill$59,421 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN24-5205-002-0280

Property Details

APN / Parcel Number

Primary APN24-5205-002-0280

Interior

Bedrooms6 Beds
Full Baths7.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,888 sqft Living Area
Gross Area4,937 sqft

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialConcrete Block/Stucco
Construction TypeConcrete Block
Roof TypeRigid Frame Bar Joist
Lot Area7,850 sqft (0.18 acres)
Lot Dimensions101 ft deep x 77.7 ft wide
PorchPorch
Porch Area68 sqft
Patio Area70 sqft

Location & Zoning

Street Address544 RIDGEWOOD RD
CityKEY BISCAYNE
StateFL
Zip33149-1850
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code0100
Legal DescriptionTROPICAL ISLE HOMES SUB PB 50-64 LOT 1 BLK 5 LOT SIZE 77.720 X 101 COC 23269-2520 03 2005 5
Legal Range42E
Legal Township55S
Legal Section05
Legal SubdivisionTROPICAL ISLE HOMES SUB
Legal Block5
Legal Lot Number1
JurisdictionDADE FL
Township / Civil DivisionKEY BISCAYNE
Census Block Group3
Census Block3007
Census Tract4602

Owner

544 Ridgewood Rd is held in a trust since October 2022.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record2 Trust Names on File
Mailing Address544 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1850
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 14, 2022 · Amount on File
Deed SaleOct 14, 2022 · Amount on File
Prior SaleMar 18, 2014 · Amount on File
Deed Document Number2022789071
Deed Book / Page33422 / 1258
Prior Transfer DateMar 18, 2005
Prior Transfer Doc0000369413
Record UpdatedOct 29, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDADE FL
Recording DateOct 14, 2022
Property Address544 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1850
Document Number0000789071
Book / Page33422 / 1258
Map ReferenceMB 50 PG 64
Instrument DateOct 11, 2022
Instrument2022R0789071
Transaction TypeTransfer
Record UpdatedApr 2, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$27,600.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1110 BRICKELL AVE STE 310, 310, MIAMI, FL 33131-3135

Transferred To (Grantee/Buyer)

NameVerified Name
Address544 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-1850

Mortgage

Document Number0000001260
DateOct 14, 2022
Instrument33422/1260
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2052
Interest
Rate TypeAdjustable Rate
Rate4.65%
Type Change DateNov 1, 2032
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change9.65%
IndexOther
Margin3
Max Rate9.65%

Tax Assessment & Valuation

The 2025 property tax bill for 544 Ridgewood Rd was $59,421.

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyMiami-Dade County
MunicipalityKey Biscayne Village
Unified School DistrictDade County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$59,421.00$3,736,561 Land $1,836,900 Building $1,899,661$3,736,561 Land $1,836,900 Building $1,899,661
2023$58,006.00 (+75.52%)$3,565,463 (+61.36%) Land $1,624,950 Building $1,940,513$3,565,463 (+61.36%) Land $1,624,950 Building $1,940,513
2022$33,048.00$2,209,621 Land $1,246,972 Building $962,649$2,209,621 Land $1,246,972 Building $962,649

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 544 Ridgewood Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 489 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies548 units insured
incl. 59 condo units
Nearby Flood Claims790 (1979–2021)
Most Recent ClaimOct 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

The area around 544 Ridgewood Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemMDWASA - MAIN SYSTEM
serves 2,377,460 people · EPA ID FL4130871
Water SourceGroundwater
Last State InspectionDec 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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

ProviderMax 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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