345 HARBOR LN, Key Biscayne, FL 33149

Parcel: 2452050011360 · Vacant Residential · Vacant Land · Zoning: 0100

Assessed Value (2025)
$2,953,606

Sales History

1
N/Anon-market transfer
2006-09-01
2
$100non-market transfer
2025-05-05
MARIA TERESA TORANO EST OFMARIA EUGENIA DIAZ ALBERTINI
3
N/A
2025-06-02
4
$3,450,000
2025-07-17
MARIA EUGENIA DIAZ ALBERTINICAROLINA SAENZ RUIZ

Tax Assessment History

$2,953,606
Assessed (2025)
$2,953,606
Market Value
$2,953,606
Taxable Value
$60,133
Annual Tax
2024
$1,908,949
$3,400,772
2025
$2,953,606
Assessed Market
View detailed table
YearAssessedMarketTaxableTax
2025 $2,953,606 $2,953,606 $2,953,606 $60,133
2024 $1,908,949 $3,400,772 $1,853,949 $37,745

About 345 HARBOR LN, Key Biscayne, FL 33149

345 HARBOR LN, Key Biscayne, FL 33149 is a property. The property is currently owned by CAROLINA SAENZ RUIZ GONZALO FERNANDEZ DEL CASTILLO, 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 2025-07-17 for $3,450,000, when MARIA EUGENIA DIAZ ALBERTINI sold to CAROLINA SAENZ RUIZ. There are 4 recorded sales for this property. The 2025 assessed value is $2,953,606 with a market value of $2,953,606.

This breaks down to $2,948,400 for the land and $5,206 for the building. The assessed value increased 55% from $1,908,949 in 2024. 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.

345 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 2006 to 2025, with 4 recorded transactions in the public record.

The current assessed value represents 86% of the most recent sale price..

Current Owner

CAROLINA SAENZ RUIZ GONZALO FERNANDEZ DEL CASTILLO
345 HARBOR LN, KEY BISCAYNE, FL, 33149
Since: 2026-04-19
View owner profile →

Flood Zone

Zone AE
Special Flood Hazard Area

Est. Annual Insurance

$29,936 — $53,964
Flood $400 — $800
Property/Wind $29,536 — $53,164

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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