650 Ocean Dr, Apt 7C, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 650 Ocean Dr, Apt 7C, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,162 sqft · built 1983
Owner	Individual Name on File
Last Sale	$1,295,000 (Jun 2018)
Tax Bill	$13,285 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`24-5204-016-0230`

Property Details

APN / Parcel Number

Primary APN	`24-5204-016-0230`

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, 7C
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 7-C UNDIV 2.902222% INT IN COMMON ELEMENTS OFF REC 11742-69 OR 18236-0691 0798 1 COC 21621-2011 07 2003 1
Legal Range	42E
Legal Township	55S
Legal Section	04
Legal Subdivision	BAHIA MAR CONDO
Legal Block	1
Legal Lot Number	7C
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1001
Census Tract	4608

Owner

650 Ocean Dr, Apt 7C is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	650 OCEAN DR, 7C, KEY BISCAYNE, FL 33149-2321
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2018 · Amount on File
Deed Sale	Jun 15, 2018 · Amount on File
Prior Sale	May 6, 2014 · Amount on File
Deed Document Number	2018352179
Deed Book / Page	31015 / 989
Record Updated	Oct 29, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Jun 15, 2018
Property Address	650 OCEAN DR APT 7C, 7C, KEY BISCAYNE, FL 33149-2321
Document Number	0000352179
Book / Page	31015 / 0989
Map Reference	OR 11742 PG 69
Instrument Date	Jun 8, 2018
Instrument	2018R0352179
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,770.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 PINTA RD, 8, MIAMI, FL 33133-2608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 OCEAN DR APT 7C, 7C, KEY BISCAYNE, FL 33149-2321

Mortgage

Document Number	0000352180
Date	Jun 15, 2018
Book Page	31015/0992
Instrument	2018R0352180

Lender

Name	HELM BANK USA
Type	Bank
Address	MIAMI, FL 33131

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

The 2025 property tax bill for 650 Ocean Dr, Apt 7C was $13,285 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	$13,285.00 Homeowner's exemption	$887,305	$1,048,500
2023	$12,788.00 (+2.39%) Homeowner's exemption	$837,184 (+3%)	$1,048,500 (+29%)
2022	$12,489.00 Homeowner's exemption	$812,800	$812,800

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 7C 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 7C 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.

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