445 Grand Bay Drive # 1A, Key Biscayne FL 33149, KEY BISCAYNE, FL, 33149
Active176 days on marketListed Feb 14, 2026MLS #A11954185
About this home
445 Grand Bay Drive # 1A, Key Biscayne FL 33149
High above the turquoise waters of Key Biscayne rises a penthouse that simply cannot be replicated. Once featured in Architectural Digest, this legendary corner residence at Grand Bay is a statement of scale, design, and presence. From sunrise over the Atlantic to glittering sunsets across Biscayne Bay and the Miami skyline, the views are cinematic in every direction, offering endless blue water, golden light, and exceptional privacy. Spanning an extraordinary 8,435 square feet under air and 2,825 square feet of terraces, totaling 11,260 square feet as per the developer’s floor plan, the residence is defined by soaring 12-foot ceilings and grand proportions throughout. A dramatic foyer leads to a spectacular Grand Room designed for both intimate living and large-scale entertaining. The formal dining room is separate and elegant, while the completely remodeled kitchen and family room provide comfort and functionality. The fully renovated private library and custom bar enhance the home’s entertaining appeal. The primary suite is serene and expansive. All the bathrooms have just been completely remodeled, offering a fresh spa-inspired experience finished to today’s highest standards. Four (4) additional en-suite bedrooms ensure comfort and privacy. The terraces offer expansive outdoor living in the sky, perfect for sunrise mornings and sunset evenings overlooking the water and skyline. This is not simply a penthouse. It is a landmark residence, rare and impossible to duplicate.
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
8,435
Sqft
1997
Year built
1
Levels
$2,241
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.
$113,743 /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
$113,743/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
$2,241 vs $1,203
Days on market
176 vs 62 typical
Where $2,241/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 72592% 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 445 Grand Bay Drive # 1A
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
6 bd · 7 ba · 8,031 sqft · $2,615/sqft · 315 DOM
Sold · Feb ’26$8,200,000
320 Atlantic Road, Key Biscayne FL 33149
6 bd · 6.5 ba · 5,275 sqft · $1,555/sqft · 22 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
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 445 Grand Bay Drive # 1A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 445 Grand Bay Drive # 1A — 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
445 Grand Bay Drive # 1A FAQs
What would the monthly payment be for 445 Grand Bay Drive # 1A, Key Biscayne FL 33149?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $113,743/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 445 Grand Bay Drive # 1A, Key Biscayne FL 33149?+
The most recent tax bill on record (2025) was $54,141. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 445 Grand Bay Drive # 1A, Key Biscayne FL 33149?+
The listing reports pets: Restrictions Or Possible Restrictions. 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?+
At $18,900,000, this home is listed about 581% 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 445 Grand Bay Drive # 1A, 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
$18,900,000 runs 72592% above the KEY BISCAYNE 33149 median — but at 8,435 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
176 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 · Brigitte Nachtigall. MLS #A11954185.
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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