840 Harbor Dr, Key Biscayne, FL 33149 Property Records

Miami-Dade County property record for 840 Harbor Dr, Key Biscayne, FL 33149 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	6 bd · 7.5 ba · 8,139 sqft · built 1999
Lot Size	0.469 acres (20,437 sqft)
Owner	2 Individual Names on File
Last Sale	$9,500,000 (Sep 2015)
Tax Bill	$112,348 (2025)
Deeds & Mortgages	Aug 2020 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`24-5205-010-0330`

Property Details

APN / Parcel Number

Primary APN	`24-5205-010-0330`

Interior

Bedrooms	6 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	8,139 sqft Living Area
Gross Area	9,874 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Construction Type	Concrete Block
Lot Area	20,437 sqft (0.469 acres)
Lot Dimensions	191 ft deep x 106 ft wide
Garage Area	451 sqft

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Pool Area	84 sqft
Porch	Slab
Porch Area	487 sqft
Patio Area	1,604 sqft
Gazebo	189 sqft
Boat Access	Boat Access

Location & Zoning

Street Address	840 HARBOR DR
City	KEY BISCAYNE
State	FL
Zip	33149-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 55 42 PB 68-81 CAPE FLORIDA SUB SEC 1 LOT 1 & PROP INT IN & TO ADJ WATER OR WATERWAYSBLK 2 LOT SIZE20437.00 SQ FT OR 18837-1947 1099 1 COC 23165-1666 02 2005 4
Legal Range	42E
Legal Township	55S
Legal Section	05
Legal Subdivision	CAPE FLORIDA SUB
Legal Block	1
Legal Lot Number	1
Jurisdiction	DADE FL
Township / Civil Division	KEY BISCAYNE
Census Block Group	1
Census Block	1020
Census Tract	4602

Owner

Source: Miami-Dade County records · APN 24-5205-010-0330

Assessment roll updated July 21, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	840 HARBOR DR, KEY BISCAYNE, FL 33149-1745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 02, 2015 · Amount on Record
Deed Sale	Sep 02, 2015 · Amount on Record
Prior Sale	Nov 27, 2013 · Amount on Record
Deed Document Number	2015569340
Deed Book / Page	29763 / 539
Prior Transfer Date	Feb 17, 2005
Prior Transfer Doc	0000249889
Record Updated	Sep 20, 2026

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DADE FL
Property Address	840 HARBOR DR, KEY BISCAYNE, FL 33149-1745
Document Number	0000617533
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	840 HARBOR DR KEY BISCAYNE FL 331491745, KEY BISCAYNE, FL 33149-1745

Mortgage

Document Number	0000617533
Date	Oct 27, 2020
Book Page	032167/000877
Instrument	617533

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	601 OAKMONT LN, WESTMONT, IL 60559-5523

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2050

Tax Assessment & Valuation

Source: Miami-Dade County records · Assessment roll updated July 21, 2025 · Last verified August 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

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	$112,348.00 (+3.62%) Homeowner's exemption	$7,121,924 (+5.99%)	$11,396,047 (+26.21%) Land $9,707,575 Building $1,688,472
2023	$108,425.00 (+3.96%) Homeowner's exemption	$6,719,621 (+3%)	$9,029,494 (+7.52%) Land $7,296,009 Building $1,733,485
2022	$104,299.00 Homeowner's exemption	$6,523,904	$8,398,018 Land $6,642,025 Building $1,755,993

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami-Dade County (12086C), updated January 25, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120860046021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 201 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	201 in force 145 of 201 on primary residences
Nearby Flood Claims	312 (1979–2024)
Claims Outside the SFHA	1 of 312
Most Recent Claim	Jun 2024, rainfall accumulation
Flood Events	Hurricane Irma (Sep 2017), 38 claims Hurricane Wilma (Oct 2005), 26 claims Hurricane Andrew (Aug 1992), 195 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.