550 Ocean Dr, Apt 4E, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 550 Ocean Dr, Apt 4E, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,325 sqft · built 1969
Owner	2 Individual Names on Record
Last Sale	$830,000 (Jul 2026)
Tax Bill	$8,965 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-5205-031-0210`

Property Details

APN / Parcel Number

Primary APN	`24-5205-031-0210`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	130 Units
Building Area	1,325 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	550 OCEAN DR, 4E
City	KEY BISCAYNE
State	FL
Zip	33149-2301
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	4900
Legal Description	GALEN BREAKERS CONDOMINIUM UNIT 4-E FOURTH FLOOR UNDIV 1.59308% INT IN COMMON ELEMENTS CLERKS FILE 69R-28066 OR 15199-1556 0891 1 COC 22254-4922 04 2004 5
Legal Range	42E
Legal Township	55S
Legal Section	05
Legal Subdivision	GALEN BREAKERS CONDOMINIUM
Legal Block	1
Legal Lot Number	4
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1000
Census Tract	4608

Owner

Source: Miami-Dade County records, as of August 13, 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	550 OCEAN DR, 4E, KEY BISCAYNE, FL 33149-2301
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · Conventional Mortgage WINTERWOOD MORTGAGE GROUP
Oct 10, 2017	Warranty Deed, Transfer · ARM BAC FLORIDA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Oct 10, 2017 · Amount on Record
Deed Document Number	2026509267
Deed Book / Page	35415 / 3553
Prior Transfer Date	Apr 26, 2004
Prior Transfer Doc	0000307691
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jul 27, 2026
Property Address	550 OCEAN DR, 4E, KEY BISCAYNE, FL 33149-2301
Document Number	0000509267
Book / Page	35415 / 3553
Instrument Date	Jul 10, 2026
Instrument	2026509267
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502,980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 OCEAN DR, 4E, KEY BISCAYNE, FL 33149-2301

Mortgage

Document Number	0000509268,
Date	Jul 27, 2026
Instrument	2026509268

Lender

Name	WINTERWOOD MORTGAGE GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Oct 10, 2017
Property Address	550 OCEAN DR APT 4E, 4E, KEY BISCAYNE, FL 33149-2301
Document Number	0000566017
Book / Page	30710 / 2457
Map Reference	OR 6283 PG 204
Instrument Date	Sep 25, 2017
Instrument	2017R0566017
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,192.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2451 BRICKELL AVE # AVE3K, 2451, MIAMI, FL 33129-2436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 OCEAN DR APT 4E, 4E, KEY BISCAYNE, FL 33149-2301

Mortgage

Document Number	0000566018
Date	Oct 10, 2017
Instrument	2017R0566018

Lender

Name	BAC FLORIDA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	5.37%
Max Rate At Change	7.35%
Index	1-Year LIBOR
Max Rate	11.3%

Tax Assessment & Valuation

Source: Miami-Dade County assessment roll, as of July 21, 2025

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	$8,965.00 (+7.96%)	$564,144 (+21%)	$578,692 (+24.12%)
2024	$8,304.00 (+10.6%)
2023	$7,508.00 (+4.39%)	$466,236 (+6%)	$466,236 (+6%)
2022	$7,192.00	$439,845	$439,845

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 71 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	840 units insured incl. 769 condo units
Nearby Flood Claims	80 (1984–2022)
Most Recent Claim	Jun 2022 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims Hurricane Katrina, Aug 2005 · 9 claims Hurricane Andrew, Aug 1992 · 56 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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Hotwire Communications, Verizon.

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