550 Ocean Dr, Apt 8C, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 550 Ocean Dr, Apt 8C, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,325 sqft · built 1969
Owner	Individual Name on Record
Last Sale	$530,000 (Apr 2021)
Tax Bill	$7,329 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-5205-031-0510`

Property Details

APN / Parcel Number

Primary APN	`24-5205-031-0510`

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, 8C
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 8-C EIGHTH FLOOR UNDIV 1.68411% INT IN COMMON ELEMENTS CLERKS FILE 69R-28066 OR 9501-1070
Legal Range	42E
Legal Township	55S
Legal Section	05
Legal Subdivision	GALEN BREAKERS CONDOMINIUM
Legal Block	1
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 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	Individual Name on Record
Mailing Address	550 OCEAN DR, 8C, KEY BISCAYNE, FL 33149-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit AMERIANA BANK
Dec 29, 2023	Deed of Trust, Mortgage · Line of Credit AMERANT BANK NA
Apr 29, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2021 · Amount on Record
Deed Sale	Apr 29, 2021 · Amount on Record
Prior Sale	Mar 31, 2010 · Amount on Record
Deed Document Number	2021297388
Deed Book / Page	32476 / 1282
Prior Transfer Date	Nov 8, 2007
Prior Transfer Doc	0000749414
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Recording Date	Jul 27, 2026
Property Address	550 OCEAN DR, 8C, KEY BISCAYNE, FL 33149-2301
Document Number	0000510012
Book / Page	35416 / 1023
Instrument Date	Jul 3, 2026
Instrument	2026510012
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 OCEAN DR, 8C, KEY BISCAYNE, FL 33149-2301

Mortgage

Document Number	0000510012,
Date	Jul 27, 2026
Book Page	35416/1023
Instrument	2026510012

Lender

Name	AMERIANA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.48%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	550 OCEAN DR APT 8C, 8C, KEY BISCAYNE, FL 33149-2301
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 OCEAN DR 8C, 8C, KEY BISCAYNE, FL 33149-2301

Mortgage

Document Number	0000937087
Date	Dec 29, 2023
Book Page	34033/2680
Instrument	2023R0937087

Lender

Name	AMERANT BANK NA
Type	Bank
Address	MIAMI, FL 33134

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Apr 29, 2021
Property Address	550 OCEAN DR APT 8C, 8C, KEY BISCAYNE, FL 33149-2301
Document Number	0000297388
Book / Page	32476 / 1282
Map Reference	MB 6283 PG 204
Instrument Date	Apr 6, 2021
Instrument	2021R0297388
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$3,180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 PARTEDGE COURT, 650, FONTANA, WI 53125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 OCEAN DR APT 8C, 8C, KEY BISCAYNE, FL 33149-2301

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	$7,329.00 (+4.12%) Homeowner's exemption	$504,647 (+5.99%)	$590,987 (+24.12%)
2023	$7,039.00 (-4.1%) Homeowner's exemption	$476,141 (+6%)	$476,141 (+6%)
2022	$7,340.00	$449,190	$449,190

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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