Miami-Dade County property record for 765 Harbor Dr, Key Biscayne, FL 33149
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,123 sqft · built 1991 |
| Lot Size | 0.175 acres (7,635 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,260,000 (May 2018) |
| Tax Bill | $27,201 (2025) |
| Deeds & Mortgages | May 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 24-5205-001-1690 |
| Primary APN | 24-5205-001-1690 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,123 sqft Living Area |
| Flooring | Vinyl/Resilient |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete |
| Lot Area | 7,635 sqft (0.175 acres) |
| Lot Dimensions | 100 ft deep x 76 ft wide |
| Patio Area | 1,400 sqft |
| Street Address | 765 HARBOR DR |
|---|---|
| City | KEY BISCAYNE |
| State | FL |
| Zip | 33149-1743 |
| 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 15 BLK 11 LOT SIZE 76.350 X 100 OR 19172-4677 06/2000 1 |
| Legal Range | 42 |
| Legal Township | 55 |
| Legal Section | 05 |
| Legal Subdivision | BISCAYNE KEY ESTS |
| Legal Block | 11 |
| Legal Lot Number | 15 |
| Jurisdiction | DADE FL |
| Township / Civil Division | KEY BISCAYNE |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 4602 |
Source: Miami-Dade County records, as of February 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 765 HARBOVE DR, KEY BISCAYNE, FL 33149 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 8, 2018 | Warranty Deed, Transfer · ARM JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on Record |
| Deed Sale | May 8, 2018 · Amount on Record |
| Prior Sale | Mar 25, 2014 |
| Deed Document Number | 2018R0276834 |
| Deed Book / Page | 30970 / 2220 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DADE FL |
| Property Address | 765 HARBOR DR, KEY BISCAYNE, FL 33149-1743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000268184 |
|---|---|
| Date | May 7, 2020 |
| Book Page | 31926/1953 |
| Instrument | 2020R0268184 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DADE FL |
| Recording Date | May 8, 2018 |
| Property Address | 765 HARBOR DR, KEY BISCAYNE, FL 33149-1743 |
| Document Number | 0000276834 |
| Book / Page | 30970 / 2220 |
| Map Reference | MB 50 PG 61 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 2018R0276834 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,560.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 OCEAN DR, 321, MIAMI BEACH, FL 33139-6974 |
| Name | Verified Name |
|---|---|
| Address | 765 HARBOVE DR, KEY BISCAYNE, FL 33149 |
| Document Number | 0000276835 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 2018R0276835 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Mar 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
Source: Miami-Dade County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Miami-Dade County |
| Municipality | Key Biscayne Village |
| Unified School District | Dade County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27,201.00 (+3.7%) Homeowner's exemption | $1,698,053 (+5.99%) | $2,613,354 (+14.36%) Land $1,985,100 Building $628,254 |
| 2023 | $26,231.00 (+4.02%) Homeowner's exemption | $1,602,134 (+3%) | $2,285,258 (+21.35%) Land $1,756,050 Building $529,208 |
| 2022 | $25,217.00 Homeowner's exemption | $1,555,470 | $1,883,150 Land $1,347,578 Building $535,572 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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 |
|
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: 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 247 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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