650 Ocean Dr, Apt 9B, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 650 Ocean Dr, Apt 9B, Key Biscayne, FL 33149

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,562 sqft · built 1983
Owner	2 Trust Names on File
Tax Bill	$10,280 (2025)
Deeds & Mortgages	Apr 2023 Transfer Jul 2016 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`24-5204-016-0160`

Property Details

APN / Parcel Number

Primary APN	`24-5204-016-0160`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	82 Units
Building Area	1,562 sqft Living Area

Exterior

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

Location & Zoning

Street Address	650 OCEAN DR, 9B
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 9-B UNDIV 2.096667% INT IN COMMON ELEMENTS OFF REC 11742-69 OR 19858-3776 0701 4
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 9B is owner-occupied and held in a trust since April 2023.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	650 OCEAN DR, 9B, KEY BISCAYNE, FL 33149-2324
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 18, 2016	Deed of Trust, Mortgage · Line of Credit FIRST FLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 3, 2023
Transfer Doc	0000241442
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DADE FL
Recording Date	Apr 11, 2023
Property Address	650 OCEAN DR APT 9B, 9B, KEY BISCAYNE, FL 33149-2324
Document Number	0000241442
Book / Page	33660 / 2288
Map Reference	MB 11742 PG 69
Instrument Date	Apr 3, 2023
Instrument	2023R0241442
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 OCEAN DR # DR9B, DR9B, KEY BISCAYNE, FL 33149-2330

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	650 OCEAN DR APT 9B, 9B, KEY BISCAYNE, FL 33149-2324

July 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	650 OCEAN DR APT 9B, 9B, KEY BISCAYNE, FL 33149-2324
Document Number	0000072992
Book / Page	030413 / 001747
Instrument Date	Jul 18, 2016
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	650 OCEAN DR #9B KEY BISCAYNE FL 331492324, 9B, KEY BISCAYNE, FL 33149-2324

Mortgage

Document Number	0000072992
Date	Feb 7, 2017
Book Page	030413/001747
Instrument	72992

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203-3310

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 6, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 650 Ocean Dr, Apt 9B was $10,280 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	$10,280.00 Homeowner's exemption	$695,624	$838,872
2023	$9,889.00 (+1.96%) Homeowner's exemption	$656,331 (+3%)	$687,600 (-)
2022	$9,699.00 Homeowner's exemption	$637,215	$687,600

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 9B 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 9B 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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