650 Ocean Dr, Apt 3A, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 650 Ocean Dr, Apt 3A, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,935 sqft · built 1983
Owner	2 Individual Names on Record
Last Sale	$705,000 (Apr 2021)
Tax Bill	$11,054 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-5204-016-0010`

Property Details

APN / Parcel Number

Primary APN	`24-5204-016-0010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Units	82 Units
Building Area	1,935 sqft Living Area

Exterior

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

Location & Zoning

Street Address	650 OCEAN DR, 3A
City	KEY BISCAYNE
State	FL
Zip	33149-2321
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	5000
Legal Description	BAHIA MAR CONDO OF KEY BISCAYNE UNIT 3-A UNDIV 2.597778% INT IN COMMON ELEMENTS OFF REC 11742-69 OR 12908-3114 0586 1 COC 22925-2109 11 2004 1
Legal Range	42E
Legal Township	55S
Legal Section	04
Legal Subdivision	BAHIA MAR CONDO
Legal Block	1
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1001
Census Tract	4608

Owner

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	650 OCEAN DR, 3A, KEY BISCAYNE, FL 33149-2321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage BBVA USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2021 · Amount on Record
Deed Sale	Apr 9, 2021 · Amount on Record
Prior Sale	Dec 21, 2004 · Amount on Record
Deed Document Number	2021244171
Deed Book / Page	32439 / 3771
Prior Transfer Date	Nov 5, 2015
Prior Transfer Doc	0000757169
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	650 OCEAN DR APT 3A, 3A, KEY BISCAYNE, FL 33149-2321
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 OCEAN DR 3A, 3A, KEY BISCAYNE, FL 33149-2321

Mortgage

Document Number	0000710883
Date	Oct 5, 2023
Book Page	33913/2911
Instrument	2023R0710883

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Sep 25, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Apr 9, 2021
Property Address	650 OCEAN DR APT 3A, 3A, KEY BISCAYNE, FL 33149-2321
Document Number	0000244171
Book / Page	32439 / 3771
Map Reference	MB 11742 PG 69
Instrument Date	Mar 26, 2021
Instrument	2021R0244171
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 THACHER SHORE RD, 125, YARMOUTH PORT, MA 02675-1129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 OCEAN DR APT 3A, 3A, KEY BISCAYNE, FL 33149-2321

Mortgage

Document Number	0000003774
Date	Apr 9, 2021
Instrument	32439/3774

Lender

Name	BBVA USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

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	$11,054.00 (+3.95%) Homeowner's exemption	$744,240 (+5.99%)	$856,684 (+22%)
2023	$10,634.00 (-0.9%) Homeowner's exemption	$702,200 (-)	$702,200 (-)
2022	$10,731.00 Homeowner's exemption	$702,200	$702,200

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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