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725 Ridgewood Rd, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 725 Ridgewood Rd, Key Biscayne, FL 33149

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,531 sqft · built 1990
Lot Size0.176 acres (7,666 sqft)
Owner2 Individual Names on Record
Last Sale$635,000 (Oct 1997)
Tax Bill$25,857 (2025)
Deeds & MortgagesOct 2021 Mortgage
Sep 2018 Mortgage
Flood ZoneZone AE (high risk)
APN24-5205-001-2560

Property Details

APN / Parcel Number

Primary APN24-5205-001-2560

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,531 sqft Living Area
Gross Area5,683 sqft

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block/Hollow Tile/Frame
Construction TypeConcrete Block
Lot Area7,666 sqft (0.176 acres)
Lot Dimensions100 ft deep x 76.7 ft wide
Garage Area396 sqft
PorchPorch
Porch Area129 sqft
Patio Area200 sqft

Location & Zoning

Street Address725 RIDGEWOOD RD
CityKEY BISCAYNE
StateFL
Zip33149-2423
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code0100
Legal DescriptionBISCAYNE KEY ESTS PB 50-61 LOT 15BLK 15 LOT SIZE 76.660 X 100 OR 17850-0927 1097 1
Legal Range42E
Legal Township55S
Legal Section05
Legal SubdivisionBISCAYNE KEY ESTS
Legal Block15
Legal Lot Number15
JurisdictionDADE FL
Township / Civil DivisionKEY BISCAYNE
Census Block Group3
Census Block3021
Census Tract4602

Owner

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 Record2 Individual Names on Record
Mailing Address725 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-2423
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
ANGEL OAK MORTGAGE SOLUTIONS LLC
Sep 28, 2018Deed of Trust, Mortgage · ARM
ACC MORTGAGE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 30, 1997 · Amount on Record
Deed SaleOct 30, 1997 · Amount on Record
Prior SaleAug 2, 1993
Deed Book / Page17850 / 927
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDADE FL
Property Address725 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-2423
Transaction TypeMortgage
Record UpdatedNov 10, 2021
Title CompanyAPOLLO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address725 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-2423

Mortgage

Document Number0000781314
DateOct 19, 2021
Book Page32801/2087
Instrument2021R0781314
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
AddressATLANTA, GA 30328
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2051

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDADE FL
Property Address725 RIDGEWOOD RD, KEY BISCAYNE, FL 33149-2423
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000593734
DateSep 28, 2018
Book Page31160/0398
Instrument2018R0593734
Lender
NameACC MORTGAGE INC
TypeMortgage Company
AddressROCKVILLE, MD 20850
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueOct 1, 2048
Interest
Rate TypeAdjustable Rate
Rate6.12%
Type Change DateOct 1, 2023
Change FrequencyAnnually
Min Rate At Change4.12%
Max Rate At Change8.12%
Index1-Year LIBOR
Max Rate11.1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMiami-Dade County
MunicipalityKey Biscayne Village
Unified School DistrictDade County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$25,857.00 (+3.71%) Homeowner's exemption$1,609,576 (+5.99%)$2,969,173 (+7.83%) Land $1,993,160 Building $976,013
2023$24,933.00 (+4.19%) Homeowner's exemption$1,518,655 (+3%)$2,753,552 (+17.14%) Land $1,763,180 Building $990,372
2022$23,930.00 Homeowner's exemption$1,474,423$2,350,600 Land $1,353,049 Building $997,551

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 489 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies548 units insured
incl. 59 condo units
Nearby Flood Claims790 (1979–2021)
Most Recent ClaimOct 2021 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 69 claims
  • Hurricane Katrina, Aug 2005 · 44 claims
  • Hurricane Andrew, Aug 1992 · 565 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 RiskNot 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 SystemMDWASA - MAIN SYSTEM
serves 2,377,460 people · EPA ID FL4130871
Water SourceGroundwater
Last State InspectionDec 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 533 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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