Miami-Dade County property record for 635 Harbor Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,718 sqft · built 2013 |
| Lot Size | 0.196 acres (8,547 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,715,000 (Oct 2020) |
| Tax Bill | $45,192 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 24-5205-001-1440 |
| Primary APN | 24-5205-001-1440 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 4,718 sqft Living Area |
| Gross Area | 5,804 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Concrete Block |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Other |
| Lot Area | 8,547 sqft (0.196 acres) |
| Lot Dimensions | 113 ft deep x 75.6 ft wide |
| Pool Type | Pool with Hot Tub/Spa |
| Pool Area | 36 sqft |
| Patio Area | 720 sqft |
| Street Address | 635 HARBOR DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100 |
| Legal Description | BISCAYNE KEY ESTS PB 50-61 LOT 34BLK 9 LOT SIZE 75.640 X 113 OR 14250-2117 0889 4 |
| Legal Range | 42E |
| Legal Township | 55S |
| Legal Section | 05 |
| Legal Subdivision | BISCAYNE KEY ESTS |
| Legal Block | 9 |
| Legal Lot Number | 34 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 4602 |
Source: Miami-Dade County records, as of October 21, 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 | 635 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Oct 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| May 31, 2019 | Loan Modification, Mortgage CITIBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2020 · Amount on Record |
| Deed Sale | Oct 23, 2020 · Amount on Record |
| Prior Sale | Oct 31, 2014 · Amount on Record |
| Deed Document Number | 2020609201 |
| Deed Book / Page | 32161 / 2923 |
| Prior Transfer Date | Feb 5, 2010 |
| Prior Transfer Doc | 0000087109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 635 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 635 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Document Number | 0000769025 |
|---|---|
| Date | Oct 10, 2025 |
| Book Page | 34980/1560 |
| Instrument | 2025R0769025 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Oct 23, 2020 |
| Property Address | 635 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Document Number | 0000609201 |
| Book / Page | 32161 / 2923 |
| Map Reference | MB 50 PG 61 |
| Instrument Date | Oct 5, 2020 |
| Instrument | 2020R0609201 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | EWF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2111 S FLAGLER DR, 2111, WEST PALM BEACH, FL 33401-8005 |
| Name | Verified Name |
|---|---|
| Address | 635 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Document Number | 0000002925 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 32161/2925 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 635 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Document Number | 0000374027 |
| Instrument Date | May 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 635 HARBOR DR KEY BISCAYNE FL 331491708, KEY BISCAYNE, FL 33149-1708 |
| Document Number | 0000374027 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | 031485/001539 |
| Instrument | 374027 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | PO BOX 790021, ST LOUIS, MO 63179-0021 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 16, 2049 |
| Rate | 3.37% |
|---|
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 | $45,192.00 (+3.65%) Homeowner's exemption | $2,854,508 (+5.99%) | $3,707,132 (+5.09%) Land $2,222,220 Building $1,484,912 |
| 2023 | $43,600.00 (+3.68%) Homeowner's exemption | $2,693,264 (+3%) | $3,527,594 (+14.25%) Land $1,965,810 Building $1,561,784 |
| 2022 | $42,051.00 Homeowner's exemption | $2,614,820 | $3,087,493 Land $1,508,546 Building $1,578,947 |
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 247 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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