650 Ocean Dr, Apt 5C, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 650 Ocean Dr, Apt 5C, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,162 sqft · built 1983
Owner	2 Individual Names on Record
Last Sale	$862,500 (Apr 2021)
Tax Bill	$13,122 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`24-5204-016-0210`

Property Details

APN / Parcel Number

Primary APN	`24-5204-016-0210`

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, 5C
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 5-C UNDIV 2.902222% INT IN COMMON ELEMENTS OFF REC 11742-69 OR 18161-4454 0698 1
Legal Range	42E
Legal Township	55S
Legal Section	04
Legal Subdivision	BAHIA MAR CONDO
Legal Block	1
Legal Lot Number	5C
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, 5C, KEY BISCAYNE, FL 33149-2321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 20, 2021	Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Oct 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2021 · Amount on Record
Deed Sale	Apr 20, 2021 · Amount on Record
Prior Sale	Jun 25, 1998 · Amount on Record
Deed Document Number	2021271204
Deed Book / Page	32458 / 2842
Prior Transfer Date	Oct 25, 2017
Prior Transfer Doc	0000604306
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	650 OCEAN DR APT 5C, 5C, KEY BISCAYNE, FL 33149-2321
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 OCEAN DR 5C, 5C, KEY BISCAYNE, FL 33149-2321

Mortgage

Document Number	0000208337
Date	Mar 29, 2023
Book Page	33641/4424
Instrument	2023R0208337

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DADE FL
Recording Date	Apr 20, 2021
Property Address	650 OCEAN DR APT 5C, 5C, KEY BISCAYNE, FL 33149-2321
Document Number	0000271204
Book / Page	32458 / 2842
Map Reference	MB 11742 PG 69
Instrument Date	Mar 31, 2021
Instrument	2021R0271204
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	FOLIO TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 E SAN MARINO DR, 431, MIAMI BEACH, FL 33139-1109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 HARBOR DR, KEY BISCAYNE, FL 33149-1219

Mortgage

Document Number	0000002845
Date	Apr 20, 2021
Instrument	32458/2845

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000271206
Date	Apr 20, 2021
Book Page	32458/2858
Instrument	2021R0271206

Lender

Name	GTE FCU
Type	Credit Union
Address	TAMPA, FL 33602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DADE FL
Recording Date	Oct 25, 2017
Property Address	650 OCEAN DR APT 5C, 5C, KEY BISCAYNE, FL 33149-2321
Document Number	0000604306
Book / Page	030732 / 004774
Instrument Date	Oct 25, 2017
Instrument	604306
Transaction Type	Transfer
Record Updated	Nov 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	431 E SAN MARINO DR MIAMI BEACH FL 331391109, MIAMI BEACH, FL 33139-1109

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	$13,122.00 (+3.89%) Homeowner's exemption	$876,825 (+5.99%)	$1,036,100 (-)
2023	$12,631.00 (+2.39%) Homeowner's exemption	$827,296 (+3%)	$1,036,100 (+29%)
2022	$12,336.00 Homeowner's exemption	$803,200	$803,200

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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