Miami-Dade County property record for 685 Harbor Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 6 ba · 4,622 sqft · built 2005 |
| Lot Size | 0.213 acres (9,282 sqft) |
| Owner | Owner Name on File |
| Last Sale | $2,395,000 (Dec 2009) |
| Tax Bill | $42,037 (2025) |
| Deeds & Mortgages | Aug 2017 Line of Credit Nov 2017 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 24-5205-001-1410 |
| Primary APN | 24-5205-001-1410 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 2 Stories |
| Building Area | 4,622 sqft Living Area |
| Gross Area | 6,064 sqft |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Other |
| Construction Type | Concrete |
| Lot Area | 9,282 sqft (0.213 acres) |
| Lot Dimensions | 123 ft deep x 75 ft wide |
| Patio Area | 400 sqft |
| Fence | Fence |
| Street Address | 685 HARBOR DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 0100:SINGLE FAM,GENERAL |
| Legal Description | BISCAYNE KEY ESTS PB 50-61 LOT 31 BLK 9 LOT SIZE 75.460 X 123 OR 18810-2932 0999 5 |
| Legal Range | 42 |
| Legal Township | 55 |
| Legal Section | 05 |
| Legal Subdivision | BISCAYNE KEY ESTS |
| Legal Block | 9 |
| Legal Lot Number | 31 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 4602 |
Source: Miami-Dade County records · APN 24-5205-001-1410
Assessment roll updated July 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 685 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Aug 29, 2017 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Nov 22, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA |
| Apr 29, 2019 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Aug 20, 2019 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 10, 2009 · Amount on Record |
| Deed Sale | Dec 10, 2009 · Amount on Record |
| Prior Sale | Oct 06, 1999 · Amount on Record |
| Deed Document Number | 2009R0882656 |
| Deed Book / Page | 27111 / 1842 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 685 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000501820 |
|---|---|
| Date | Aug 29, 2017 |
| Book Page | 30672/1489 |
| Instrument | 2017R0501820 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 24, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 685 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000657607 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | 30765/1256 |
| Instrument | 2017R0657607 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 685 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000259805 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 31419/0769 |
| Instrument | 2019R0259805 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 685 HARBOR DR, KEY BISCAYNE, FL 33149-1708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000524850 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 31575/4956 |
| Instrument | 2019R0524850 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Miami-Dade County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Key Biscayne Village |
| Unified School District | Dade County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $42,037.00 (+3.64%) Homeowner's exemption | $2,660,483 (+5.99%) | $3,754,163 (+12.04%) Land $2,413,320 Building $1,340,843 |
| 2023 | $40,562.00 (+3.4%) Homeowner's exemption | $2,510,199 (+3%) | $3,350,777 (+19.67%) Land $2,134,860 Building $1,215,917 |
| 2022 | $39,227.00 Homeowner's exemption | $2,437,087 | $2,800,043 Land $1,638,273 Building $1,161,770 |
Source: FEMA National Flood Hazard Layer, Miami-Dade County (12086C), as of January 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120860046023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 489 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 548 units insured incl. 59 condo units |
| Nearby Flood Claims | 790 (1979–2021) |
| Most Recent Claim | Oct 2021 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 247 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL4130871, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MDWASA - MAIN SYSTEM serves 2,377,460 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 3 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures