651 86th St, Miami Beach, FL 33141 Property Records

Miami-Dade County property record for 651 86th St, Miami Beach, FL 33141

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,932 sqft · built 1950
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Aug 2013)
Tax Bill	$11,806 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-3203-011-0950`

Property Details

APN / Parcel Number

Primary APN	`02-3203-011-0950`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,932 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,932 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1967
Exterior Material	Concrete Block/Hollow Tile/Frame
Construction Type	Concrete Block
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	138 ft deep x 50 ft wide
Patio Area	210 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	651 86TH ST
City	MIAMI BEACH
State	FL
Zip	33141-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	0100
Legal Description	BISCAYNE BEACH-2ND ADDN PB 46-39 LOT 16BLK 14 LOT SIZE 50.000 X 138 OR 18760-4266 08 1999 5 COC 24184-2648 01 2006 5
Legal Range	42E
Legal Township	53S
Legal Section	03
Legal Subdivision	BISCAYNE BEACH-2ND ADDN
Legal Block	14
Legal Lot Number	16
Jurisdiction	DADE FL
Township / Civil Division	MIAMI BEACH
Census Block Group	1
Census Block	1007
Census Tract	3912

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Shore Historic District listed 2009 · 473 contributing resources · NRIS 09000926

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

651 86th St is owned and occupied by two individuals who bought it in August 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	651 86TH ST, MIAMI BEACH, FL 33141-1113
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
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS
Aug 2, 2017	Deed of Trust, Mortgage · Line of Credit IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2013 · Amount on File
Deed Sale	Aug 29, 2013 · Amount on File
Prior Sale	Aug 27, 1999 · Amount on File
Deed Document Number	2013687608
Deed Book / Page	28796 / 4482
Prior Transfer Date	Nov 23, 1993
Prior Transfer Doc	1614000636
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	651 86TH ST, MIAMI BEACH, FL 33141-1113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 86TH ST, MIAMI BEACH, FL 33141-1113

Mortgage

Document Number	0000656993
Date	Nov 13, 2020
Book Page	32194/4962
Instrument	2020R0656993

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	651 86TH ST, MIAMI BEACH, FL 33141-1113
Document Number	0000478150
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	651 86TH ST MIAMI BEACH FL 331411113, MIAMI BEACH, FL 33141-1113

Mortgage

Document Number	0000478150
Date	Aug 16, 2017
Book Page	030658/001829
Instrument	478150

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	WESTON, FL 33326

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	651 86TH ST, MIAMI BEACH, FL 33141-1113
Document Number	0000478151
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	651 86TH ST MIAMI BEACH FL 331411113, MIAMI BEACH, FL 33141-1113

Mortgage

Document Number	0000478151
Date	Aug 16, 2017
Book Page	030658/001846
Instrument	478151

Lender

Name	IBERIABANK
Type	Bank
Address	W PALM BEACH, FL 33401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 651 86th St was $11,806 with a homeowner's exemption, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Miami Beach City
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,806.00 (+2.86%) Homeowner's exemption	$670,950	$2,284,429 Land $2,070,000 Building $214,429
2024	$11,478.00 (+8.99%)
2023	$10,531.00 (+3.84%) Homeowner's exemption	$598,440 (+3%)	$2,214,098 (+129.39%) Land $2,139,000 Building $75,098
2022	$10,142.00 Homeowner's exemption	$581,010	$965,198 Land $890,100 Building $75,098

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

Flood

FEMA maps place 651 86th St 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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 271 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	283 units insured incl. 12 condo units
Nearby Flood Claims	176 (1979–2025)
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Wilma, Oct 2005 · 27 claims Hurricane Irene, Oct 1999 · 25 claims Hurricane Andrew, Aug 1992 · 28 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 651 86th St 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	CITY OF MIAMI BEACH serves 100,000 people · EPA ID FL4130901
Water Source	Purchased groundwater from MDWASA - MAIN SYSTEM
Last State Inspection	Dec 2022
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	15 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 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber.

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