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Single Family ResidenceResidential
$7,666,408$1,983 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $1,925,000 on Jul 29, 2003

540 HARBOR DR

KEY BISCAYNE, FL 33149
5
Beds
4
Baths
3,867 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$7.7M
$6.6M low$8.7M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,925,000 · Jul 29, 2003
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$2,856,408
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$2,285,126
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.63%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$3,000,000
WELLS FARGO BANK NA · 6.37% 1 · recorded Aug 15, 2006
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$1,810,000
BANK OF AMERICA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$64,837 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$4,905,797 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,332,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$573,197
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$4,524,082
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$4,905,797

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.73 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMiami-Dade
Lot (acres)The size of the land the home sits on, from county records.0.24
ConstructionThe main material the home's frame and walls are built from.Concrete
HeatingThe type of heating system in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 290 ft²Boat access

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Key Biscayne K-8 CenterA-
Elementary · Grades PK–5 · 0.4 mi
H
Coral Gables Senior High SchoolC+
High · Grades 9–12 · 6.3 mi
M
Ponce De Leon Middle SchoolB
Middle · Grades 6–8 · 6.4 mi

District: Dade County School District

Neighborhood · ZIP 33149These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.72
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.9

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.76%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.16,714
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,068 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$155,699
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$201,344
Average tempThe average temperature here across a full year.76°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.70%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

540 Harbor Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the most valuable homes in Miami-Dade County
  • Among the highest price per square foot in Miami-Dade County
  • Bigger than 98% of homes in Miami-Dade County
  • Has a bigger lot than 83% of homes in Miami-Dade County

What homes are worth in Key Biscayne 33149

Each bar is how many homes fall in that price range. The marker is this home.

This home
$480K$7.1M

This home is worth more than almost all homes in Key Biscayne 33149.

How it measures up in Key Biscayne 33149

The dot is this home. The mark in the middle is the typical home in Key Biscayne 33149.

Estimated value$7,666,408
CheaperTypical $1,473,851Pricier

Pricier than almost all homes nearby

Price per ft²$1983
CheaperTypical $944Pricier

Pricier than 96% of homes nearby

Living area3,867 ft²
SmallerTypical 1,720 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.24 ac
SmallerTypical 0.19 acBigger

Bigger than 68% of homes nearby

Year built1980
OlderTypical 1978Newer

Newer than 62% of homes nearby

How 540 Harbor Dr ranks against every home in each area.
MeasureThis homeKey Biscayne 33149Miami-Dade County
Estimated valuepricier than$7,666,408almost all homesalmost all homes
Price per ft²pricier than$198396% of homesalmost all homes
Living areabigger than3,867 ft²92% of homes98% of homes
Lot sizebigger than0.24 ac68% of homes83% of homes
Year builtnewer than198062% of homes52% of homes

About 540 Harbor Dr

How much is 540 Harbor Dr, Key Biscayne, FL worth?

The TopHap Estimate for 540 Harbor Dr, Key Biscayne, FL is $7,666,408 as of Jun 23, 2026. The likely range is $6,593,110 to $8,739,705. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 540 Harbor Dr, Key Biscayne, FL last sell?

540 Harbor Dr, Key Biscayne, FL last sold on Jul 29, 2003 for $1,925,000, according to the county's recorded deed.

How big is 540 Harbor Dr, Key Biscayne, FL?

540 Harbor Dr, Key Biscayne, FL has 5 bedrooms, 4 bathrooms, 3,867 square feet of living space and a 0.24-acre lot.

When was 540 Harbor Dr, Key Biscayne, FL built?

540 Harbor Dr, Key Biscayne, FL was built in 1980, making it 46 years old. The building has 2 stories.

What schools serve 540 Harbor Dr, Key Biscayne, FL?

540 Harbor Dr, Key Biscayne, FL is assigned to Key Biscayne K-8 Center (elementary), rated A-; Coral Gables Senior High School (high), rated C+; Ponce De Leon Middle School (middle), rated B. All sit in Dade County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 540 Harbor Dr, Key Biscayne, FL compare to other homes in Key Biscayne 33149?

Among the 7,044 homes in Key Biscayne 33149, it is worth more than almost all of them ($7,666,408 against a typical $1,473,851), its price per square foot is higher than 96% of them ($1983 against a typical $944), it is bigger than 92% of them (3,867 ft² against a typical 1,720 ft²), its lot is bigger than 68% of them (0.24 ac against a typical 0.19 ac) and it is newer than 62% of them (1980 against a typical 1978). Measured against all of Miami-Dade County, it is worth more than almost all homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 540 Harbor Dr, Key Biscayne, FL?

The 2024 property tax bill for 540 Harbor Dr, Key Biscayne, FL was $64,837. The county assessed it at $4,905,797.

Closest homes

More homes in Key Biscayne 33149

Assigned schools

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