425 Harbor Dr, Key Biscayne FL 33149, KEY BISCAYNE, FL, 33149
Active53 days on marketListed Jun 12, 2026MLS #A12034564
About this home
425 Harbor Dr, Key Biscayne FL 33149
Discover this striking contemporary residence, perfectly positioned on an oversized 9,258 SF lot on Harbor Drive, one of Key Biscayne’s most elegant and prestigious streets. Built in 2020, this architectural masterpiece offers 6 bedrooms plus a private office, 7 full baths, and 2 powder rooms across 4,565 SF of beautifully designed living space. Filled with natural light, the home showcases expansive open living areas, impressive volume throughout, and a sleek custom kitchen featuring bespoke cabinetry and top-of-the-line finishes. An elevator provides seamless access to all three levels, culminating in a spectacular rooftop terrace with captivating island views and refreshing bay breezes…a unique advantage of being just moments from the water. Designed for effortless indoor-outdoor living, the exterior features a resort-style saltwater pool and spa, summer kitchen, cabana bath, and generous entertaining areas surrounded by lush tropical landscaping. Additional highlights include , EV charger, and ample driveway parking. Combining exceptional design, comfort, and functionality, this residence embodies the very best of island living in one of Key Biscayne’s most distinguished locations. Just minutes from Miami, Key Biscayne is a hidden island paradise where pristine beaches, world-class outdoor recreation, and a relaxed yet sophisticated lifestyle come together in a way that few places can match.
Facts & features
The home at a glance
7
Bedrooms
8
Bathrooms
4,565
Sqft
1
Garage
2020
Year built
$1,632
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$50,626 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$50,626/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Key Biscayne actives
$1,632 vs $1,203
Days on market
53 vs 62 typical
Where $1,632/sqft sits among the 134 Key Biscayne actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Village Of Key Biscayne
Get to know Key Biscayne. See the full Key Biscayne guide →
Village Of Key Biscayne — neighborhood snapshot
Population
14,603
Median age
44
Median income
$152,910
Median home value
$1,246,268
Avg household
3
Households w/ children
2,233
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Key Biscayne market
$1.6M → $1.6M
Key Biscayne median sold, yr/yr
94.9%
Sale-to-list ratio (12 mo)
6 of 134
Key Biscayne actives have cut their price
This home is listed 28554% above the KEY BISCAYNE 33149 median. See the full Key Biscayne market guide →
Paper trail
This home's history
Reality check
What actually sold near 425 Harbor Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$4,400,000
315 Palmwood Ln, Key Biscayne FL 33149 · same community
5 bd · 5 ba · 3,230 sqft · $1,362/sqft · 30 DOM
Sold · Jun ’26$2,600,000
301 Redwood Ln, Key Biscayne FL 33149 · same community
3 bd · 2 ba · 1,333 sqft · $1,950/sqft · 86 DOM
Sold · Aug ’25$4,820,000
561 Hampton Ln, Key Biscayne FL 33149
6 bd · 6.5 ba · 4,165 sqft · $1,157/sqft · 294 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 425 Harbor Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 425 Harbor Dr — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
425 Harbor Dr FAQs
What would the monthly payment be for 425 Harbor Dr, Key Biscayne FL 33149?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $50,626/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 425 Harbor Dr, Key Biscayne FL 33149?+
The most recent tax bill on record (2025) was $89,673. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Key Biscayne?+
At $7,450,000, this home is listed about 168% above the Key Biscayne median of $2,775,000. The market section on this page shows how the area is trending.
Which schools are assigned to 425 Harbor Dr, Key Biscayne FL 33149?+
Key Biscayne K-8 Center (elementary), District Instructional Center (Dic) (), Coral Gables Senior High School (high), Ponce De Leon Middle School (middle), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of One Sotheby's International Realty · Mark Chatburn. MLS #A12034564.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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