Miami-Dade County property record for 640 Ridgewood Rd, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,705 sqft · built 1952 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Company Name on File |
| Tax Bill | $8,143 (2025) |
| Deeds & Mortgages | Feb 2026 Reverse Mortgage Sep 2025 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 24-5205-001-0470 |
| Primary APN | 24-5205-001-0470 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,705 sqft Living Area |
| Gross Area | 2,756 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Patio Area | 735 sqft |
| Fence | Fence |
| Street Address | 640 RIDGEWOOD RD |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100:SINGLE FAM,GENERAL |
| Legal Description | BISCAYNE KEY ESTS PB 50-61 LOT 3 BLK 5 LOT SIZE 75.000 X 100 OR 9936 1988 02-78-1 |
| Legal Range | 42 |
| Legal Township | 55 |
| Legal Section | 05 |
| Legal Subdivision | BISCAYNE KEY ESTS |
| Legal Block | 5 |
| Legal Lot Number | 3 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 4602 |
Source: Miami-Dade County records · APN 24-5205-001-0470
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 Record | Company Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 640 RIDGEWOOD RD, MIAMI, FL 33149-2019 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Reverse Mortgage SMARTFI HOME LOANS LLC |
| Sep 29, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Sep 29, 2025 |
| Transfer Doc | 0000735941 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 640 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 640 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-2019 |
| Document Number | 0000124231 |
|---|---|
| Date | Feb 24, 2026 |
| Book Page | 35174/509 |
| Instrument | 2026R0124231 |
| Name | SMARTFI HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92122 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 756 Months |
| Due | Feb 20, 2089 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | Sep 29, 2025 |
| Property Address | 640 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-2019 |
| Document Number | 0000735941 |
| Book / Page | 34960 / 4641 |
| Map Reference | MB 50 PG 61 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 2025R0735941 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 RIDGEWOOD RD, MIAMI, FL 33149-2019 |
Source: Miami-Dade County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Key Biscayne Village |
| Unified School District | Dade County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,143.00 (+2.66%) Homeowner's exemption | $469,028 (+2.9%) | $2,031,771 (+12.15%) Land $1,755,000 Building $276,771 |
| 2024 | $7,932.00 (+1.29%) Homeowner's exemption | $455,810 (+3%) | $1,811,703 (-0.05%) Land $1,552,500 Building $259,203 |
| 2023 | $7,831.00 (+6.89%) Homeowner's exemption | $442,534 (+3%) | $1,812,558 (+24.81%) Land $1,552,500 Building $260,058 |
| 2022 | $7,326.00 Homeowner's exemption | $429,645 | $1,452,288 Land $1,191,375 Building $260,913 |
Source: FEMA National Flood Hazard Layer as of January 25, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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 USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 533 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MDWASA - MAIN SYSTEM serves 2,377,460 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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