685 HARBOR LN, Key Biscayne, FL 33149

Parcel: 2452050011330 · Residential - Single Family · 1 Unit · Zoning: 0100

Assessed Value (2025)
$2,528,159

Property Details

Beds
5
Baths
6
Living Sqft
5,421
Year Built
2001
Lot Sqft
9,000
Stories
2
RESIDENTIAL - SINGLE FAMILY : 1 UNIT

Sales History

1
N/Anon-market transfer
1988-09-01
2
$375,000
1989-04-01
3
$3,100,000+727%
2019-05-29
FERNANDO RODRIGUEZ-VILA &W ROSAJOSE E ESTRELLA

Tax Assessment History

$2,528,159
Assessed (2025)
$3,843,240
Market Value
$2,477,437
Taxable Value
$50,439
Annual Tax
2024
$2,456,909
$3,592,763
2025
$2,528,159
$3,843,240
Assessed Market
View detailed table
YearAssessedMarketTaxableTax
2025 $2,528,159 $3,843,240 $2,477,437 $50,439
2024 $2,456,909 $3,592,763 $2,406,909 $49,003

About 685 HARBOR LN, Key Biscayne, FL 33149

685 HARBOR LN, Key Biscayne, FL 33149 is a 5-bedroom, 6-bathroom residential - single family : 1 unit built in 2001 with 5,421 square feet of living space on a 9,000 square foot lot. The property is currently owned by JOSE E ESTRELLA JACQUELINE V ESTRELLA, recorded as of 2026-04-19. The owner appears to be owner-occupied based on the mailing address matching the property address.

The most recent sale was on 2019-05-29 for $3,100,000, when FERNANDO RODRIGUEZ-VILA &W ROSA sold to JOSE E ESTRELLA. The property has appreciated $2,725,000 (727%) since the prior sale of $375,000 on 1989-04-01. There are 3 recorded sales for this property.

The 2025 assessed value is $2,528,159 with a market value of $3,843,240. This breaks down to $2,340,000 for the land and $1,503,240 for the building. The assessed value increased 3% from $2,456,909 in 2024.

The property has the following tax exemptions: homestead. This property is located in FEMA Flood Zone AE, a Special Flood Hazard Area with a 1% annual chance of flooding (100-year floodplain). Flood insurance is typically required by lenders for properties in this zone.

The median household income in this area is $250,001, and the median home value is $2,000,001. The population density is 3,407 people per square mile. 685 HARBOR LN, Key Biscayne, FL 33149 is located in Key Biscayne, Florida.

Property records, tax assessments, sales history, and ownership information for this Key Biscayne property are sourced from miami_dade County public records. The complete ownership history of this property spans from 1988 to 2019, with 3 recorded transactions in the public record. The current assessed value represents 82% of the most recent sale price.

Based on the most recent sale, this property traded at $572 per square foot — a key metric for comparing value across Key Biscayne's real estate market..

Current Owner

JOSE E ESTRELLA JACQUELINE V ESTRELLA
685 HARBOR LN, KEY BISCAYNE, FL, 33149
Since: 2026-04-19
View owner profile →

Flood Zone

Zone AE
Special Flood Hazard Area

Est. Annual Insurance

$20,625 — $36,194
Flood $400 — $800
Property/Wind $20,225 — $35,394

Estimate based on FEMA flood zone, property value, and year built. Actual premiums vary based on elevation, mitigation features, roof condition, and insurer. Not a quote.

Neighborhood

Median Income$250,001
Median Home Value$2,000,001
Pop. Density3,407/sq mi

Neighborhood 33149

34.2%
Owner-Occ
65.8%
Investor
119
Flips (4yr)
3,025
New Biz (3yr)
Distress Risk
MODERATE
36
View full risk analysis →
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