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565 Harbor Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 565 Harbor Dr, Key Biscayne, FL 33149 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 5 ba · 4,040 sqft · built 1999
Lot Size0.223 acres (9,725 sqft)
Owner2 Company Names on File
Tax Bill$39,699 (2025)
Deeds & MortgagesJan 2022 Mortgage
Jan 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN24-5205-004-0170

Property Details

APN / Parcel Number

Primary APN24-5205-004-0170

Interior

Bedrooms5 Beds
Full Baths5 Baths
Stories1 Story
Building Area4,040 sqft Living Area
Gross Area5,093 sqft
FlooringVinyl/Resilient

Exterior

Year BuiltBuilt 1999
Exterior MaterialConcrete Block
Construction TypeConcrete
Lot Area9,725 sqft (0.223 acres)
Lot Dimensions126 ft deep x 77 ft wide
Patio Area297 sqft
FenceFence

Location & Zoning

Street Address565 HARBOR DR
CityKEY BISCAYNE
StateFL
Zip33149-1739
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTROPICAL ISLE HOMES SUB 2ND ADDN PB 50-75 LOT 4 BLK 11 LOT SIZE 77.180 X 126 OR 17618-2659 0497 1
Legal Range42
Legal Township55
Legal Section05
Legal SubdivisionTROPICAL ISLE HOMES SUB 2ND ADDN
Legal Block11
Legal Lot Number4
JurisdictionDADE FL
Township / Civil DivisionKEY BISCAYNE
Census Block Group3
Census Block3032
Census Tract4602

Owner

Source: Miami-Dade County records · APN 24-5205-004-0170

Assessment roll updated July 1, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address565 HARBOR DR, KEY BISCAYNE, FL 33149-1739
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Jan 07, 2022Deed of Trust, Mortgage · Conventional Mortgage
MORGAN STANLEY PRIVATE BANK NA
Jan 02, 2020Warranty Deed, Transfer
SERGIO & JULIETTE MONTOYA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Prior SaleApr 29, 1997 · Amount on Record
Last Transfer DateJan 02, 2020
Transfer Doc0000002638
Record UpdatedJun 08, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDADE FL
Property Address565 HARBOR DR, KEY BISCAYNE, FL 33149-1739
Transaction TypeMortgage
Record UpdatedApr 02, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address565 HARBOR DR, KEY BISCAYNE, FL 33149-1739

Mortgage

Document Number0000017688
DateJan 07, 2022
Book Page32946/884
Instrument2022R0017688
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressCINCINNATI, OH 45245
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2052
Interest
Rate TypeAdjustable Rate
Rate2.6%
Type Change DateJan 01, 2029
Change Frequency6 Months
Min Rate At Change3%
Max Rate At Change7.6%
IndexOther
Margin3
Max Rate7.6%

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDADE FL
Recording DateJan 02, 2020
Property Address565 HARBOR DR, KEY BISCAYNE, FL 33149-1739
Document Number0000002638
Book / Page031752 / 004201
Instrument DateDec 17, 2019
Instrument2638
Transaction TypeTransfer
Record UpdatedFeb 12, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$17,550.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipIrrevocable Trust
Address565 HARBOR DR KEY BISCAYNE FL 331491739, KEY BISCAYNE, FL 33149-1739

Mortgage

Document Number2641
DateJan 02, 2020
Book Page031752/004206
Instrument2641
Lender
NameSERGIO & JULIETTE MONTOYA
Address177 OCEAN LANE DR # 603, KEY BISCAYNE, FL 33149-1426
Special NotesSeller Financed
Agreement
AmountAmount Recorded
Term12 Months
DueJan 01, 2021

Tax Assessment & Valuation

Source: Miami-Dade County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$39,699.00 (+3.67%) Homeowner's exemption$2,498,448 (+5.99%)$3,648,183 (+7.73%) Land $2,528,500 Building $1,119,683
2023$38,295.00 (+3.87%) Homeowner's exemption$2,357,316 (+3%)$3,386,290 (+17.54%) Land $2,236,750 Building $1,149,540
2022$36,868.00 Homeowner's exemption$2,288,657$2,880,929 Land $1,716,462 Building $1,164,467

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami-Dade County (12086C), updated January 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120860046023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 489 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies548 units insured
59 under condo master policies
Nearby Flood Claims790 (1979–2021)
Most Recent ClaimOct 2021, rainfall accumulation
Claims By Storm
  • Hurricane Irma, Sep 2017 · 69 claims
  • Hurricane Katrina, Aug 2005 · 44 claims
  • Hurricane Andrew, Aug 1992 · 565 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 84 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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