881 Ocean Dr # 10D, Key Biscayne FL 33149, KEY BISCAYNE, FL, 33149
Active185 days on marketListed Jan 30, 2026MLS #A11953768
About this home
881 Ocean Dr # 10D, Key Biscayne FL 33149
Best High Rise on Key Biscayne with best views East and West. Pool Tennis Gym Basketball Security, 2 Bedrooms plus Den. Updated unit. NO PETS PER CONDO ASSOCIATION NO GOLF CARTS
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,875
Sqft
1
Garage
1971
Year built
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$221 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$221/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Village Of Key Biscayne
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 33149 market
This home is listed 68% below the KEY BISCAYNE 33149 median.
Paper trail
This home's history
Reality check
What actually sold near 881 Ocean Dr # 10D
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$1,910,000
881 Ocean Dr # 13C, Key Biscayne FL 33149 · same community
2 bd · 2 ba · 1,875 sqft · $1,019/sqft · 6 DOM
Sold · Dec ’25$1,100,000
Nearby listing · same community
2 bd · 2 ba · 1,042 sqft · $1,056/sqft · 20 DOM
Sold · Mar ’26$370,000
6145 SUN BOULEVARD UNIT 506 · same community
2 bd · 2 ba · 1,030 sqft · $359/sqft · 155 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 881 Ocean Dr # 10D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 881 Ocean Dr # 10D — 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
881 Ocean Dr # 10D FAQs
What would the monthly payment be for 881 Ocean Dr # 10D, Key Biscayne FL 33149?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $221/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 881 Ocean Dr # 10D, Key Biscayne FL 33149?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in KEY BISCAYNE 33149?+
At $8,400, this home is listed about 68% below the KEY BISCAYNE 33149 median of $26,000. The market section on this page shows how the area is trending.
Which schools are assigned to 881 Ocean Dr # 10D, 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
01Under the KEY BISCAYNE 33149 market on paper
$8,400 is 68% below the KEY BISCAYNE 33149 median of $26,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $8,500, now $8,400 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Fortune Christie's International Real Estate · German Botero. MLS #A11953768.
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®.