100 Cape Florida Dr, Key Biscayne FL 33149, KEY BISCAYNE, FL, 33149
Active210 days on marketListed Jan 6, 2026MLS #A11934196
About this home
100 Cape Florida Dr, Key Biscayne FL 33149
Enjoying an exceptional 270ft of L-shaped water frontage facing 185-ft-wide Pines Canal and the natural beauty of Bill Baggs Cape Florida State Park, this elegant island-coastal estate is tailored to a boating lifestyle. Offering calm and naturally sheltered harbor, concrete seawall, boat lift, dockside kitchen and side-dock boat storage that preserves unobstructed water views, the property provides a sense of openness, privacy, and tranquility. Clean architectural lines, an internal garden courtyard, and generous covered terraces fill the residence with natural light and create a seamless connection to the surrounding water and landscape. This elevated home offers 4 bedrooms plus staff quarters, 5 bathrooms, and 4 half-baths within 8,240 sqft of living space on a 16,500-sqft lot. Architectural tray ceilings, refined millwork, custom wall paneling, and thoughtfully designed built-ins with abundant storage add depth and craftsmanship while maintaining a light, contemporary coastal aesthetic. Formal living and dining rooms with elegant millwork provide an ideal setting for entertaining. The kitchen is appointed with Calacatta Gold marble countertops, gas cooking, Sub-Zero and Viking appliances, and a butler’s pantry. Additional highlights include 2 family rooms, fitness center with water views, 2 garages accommodating 7+ cars/golf carts, temperature-controlled wine cellar for 1,400+ bottles, elevator, retractable screen doors, generator and saltwater heated pool.
Facts & features
The home at a glance
4
Bedrooms
7
Bathrooms
8,240
Sqft
7
Garage
2007
Year built
$2,403
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.
$127,374 /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
$127,374/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
$2,403 vs $1,203
Days on market
210 vs 62 typical
Where $2,403/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 76054% 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 100 Cape Florida Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$21,000,000
180 Cape Florida Dr, Key Biscayne FL 33149 · same community
6 bd · 7 ba · 8,031 sqft · $2,615/sqft · 315 DOM
Sold · Jun ’26$9,400,000
791 Crandon Blvd # 1408, Key Biscayne FL 33149
4 bd · 5.5 ba · 5,207 sqft · $1,805/sqft · 94 DOM
Sold · Feb ’26$4,000,000
785 Crandon Blvd, Key Biscayne FL 33149
4 bd · 5 ba · 4,200 sqft · $952/sqft · 78 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 100 Cape Florida Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 100 Cape Florida Dr — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
100 Cape Florida Dr FAQs
What would the monthly payment be for 100 Cape Florida Dr, Key Biscayne FL 33149?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $127,374/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 100 Cape Florida Dr, Key Biscayne FL 33149?+
The most recent tax bill on record (2025) was $155,395. 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 $19,800,000, this home is listed about 614% 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 100 Cape Florida 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.
The brief
Three things that matter here
01Positioned at the premium end
$19,800,000 runs 76054% above the KEY BISCAYNE 33149 median — but at 8,240 sqft it's also nearly 4 times the size of the typical Key Biscayne listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
210 days on market against a Key Biscayne median of 62 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of One Sotheby's International Realty · Lucia Marin. MLS #A11934196.
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®.
Never miss a listing
New Key Biscayne homes, in your inbox
Like 100 Cape Florida Dr, Key Biscayne FL 33149 but not quite? A daily digest of every new listing in Key Biscayne — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →