650 Ocean Dr, Apt 11C, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 650 Ocean Dr, Apt 11C, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,162 sqft · built 1983
Owner	2 Individual Names on File
Last Sale	$352,000 (Jul 2015)
Tax Bill	$12,908 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`24-5204-016-0270`

Property Details

APN / Parcel Number

Primary APN	`24-5204-016-0270`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Units	82 Units
Building Area	2,162 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	650 OCEAN DR, 11C
City	KEY BISCAYNE
State	FL
Zip	33149-2324
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	5000
Legal Description	BAHIA MAR CONDO OF KEY BISCAYNE UNIT 11-C UNDIV 2.902222% INT IN COMMON ELEMENTS OFF REC 11742-69 OR 11920-2663 0983 6
Legal Range	42E
Legal Township	55S
Legal Section	04
Legal Subdivision	BAHIA MAR CONDO
Legal Block	1
Legal Lot Number	C
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1001
Census Tract	4608

Owner

650 Ocean Dr, Apt 11C is owned and occupied by two individuals who bought it in July 2015.

Source: Miami-Dade County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	650 OCEAN DR, 11C, KEY BISCAYNE, FL 33149-2324
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 8, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2015 · Amount on File
Deed Sale	Jul 9, 2015 · Amount on File
Prior Sale	Oct 11, 2013 · Amount on File
Deed Document Number	2015439577
Deed Book / Page	29689 / 3434
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	650 OCEAN DR APT 11C, 11C, KEY BISCAYNE, FL 33149-2324
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000105589
Date	Feb 10, 2021
Book Page	32343/3471
Instrument	2021R0105589

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	650 OCEAN DR APT 11C, 11C, KEY BISCAYNE, FL 33149-2324
Document Number	0000230773
Book / Page	030507 / 004365
Instrument Date	Apr 8, 2017
Transaction Type	Mortgage
Record Updated	May 8, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 OCEAN DR #11C KEY BISCAYNE FL 331492324, 11C, KEY BISCAYNE, FL 33149-2324

Mortgage

Document Number	0000230773
Date	Apr 25, 2017
Book Page	030507/004365
Instrument	230773

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 24, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 650 Ocean Dr, Apt 11C was $12,908 with a homeowner's exemption.

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	$12,908.00 Homeowner's exemption	$863,000	$1,073,300
2023	$12,424.00 (+2.38%) Homeowner's exemption	$814,252 (+3%)	$1,073,300 (+29%)
2022	$12,135.00 Homeowner's exemption	$790,536	$832,000

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

Flood

FEMA maps place 650 Ocean Dr, Apt 11C in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

The area around 650 Ocean Dr, Apt 11C has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Ocean Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures