650 Curtiswood Dr, Key Biscayne FL 33149, KEY BISCAYNE, FL, 33149
Active179 days on marketListed Feb 6, 2026MLS #A11960258
About this home
650 Curtiswood Dr, Key Biscayne FL 33149
Elevated six-bedroom home on a quiet island street, centrally located. Double-high ceilings in the living room, marble flooring, wood floors in bedrooms, two en suite rooms. plus master bedroom with separate shower and tub. Upstairs family room, lush landscaping, pool, and elevated structure. Carport Garage plus two covered parking spaces. Additional storage downstairs for potential use as game room, open layout, and access to outside ideal for entertaining. Includes beach club membership. Tenant responsible for water, landscaping and sewer.
Facts & features
The home at a glance
6
Bedrooms
4.5
Bathrooms
3,356
Sqft
3
Garage
1996
Year built
$6
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.
$315 /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
$315/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.
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 BISCAYNE KEY ESTATES
$6 vs $1,549
Days on market
179 vs 62 typical
Where $6/sqft sits among the 11 homes for sale in BISCAYNE KEY ESTATES
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)
1 of 11
BISCAYNE KEY ESTATES have cut their price
This home is listed 18% below the KEY BISCAYNE 33149 median. See the full Key Biscayne market guide →
Paper trail
This home's history
Reality check
What actually sold near 650 Curtiswood Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$4,200,000
285 W Enid Dr, Key Biscayne FL 33149 · same community
6 bd · 5.5 ba · 3,436 sqft · $1,222/sqft · 182 DOM
Sold · Jun ’26$5,690,000
762 Fernwood Rd, Key Biscayne FL 33149 · same community
6 bd · 5 ba · 3,584 sqft · $1,588/sqft · 30 DOM
Sold · Apr ’26$4,950,000
635 Curtiswood Dr, Key Biscayne FL 33149 · same community
6 bd · 6 ba · 3,888 sqft · $1,273/sqft · 265 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 650 Curtiswood Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 Curtiswood 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
650 Curtiswood Dr FAQs
What would the monthly payment be for 650 Curtiswood Dr, Key Biscayne FL 33149?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $315/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 650 Curtiswood Dr, 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 $21,400, this home is listed about 99% below 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 650 Curtiswood 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
01Under the KEY BISCAYNE 33149 market on paper
$21,400 is 18% below the KEY BISCAYNE 33149 median of $26,000, and at $6/sqft it sits under the Key Biscayne average of $1,619.
02Garden & Pool views
The garden and pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
179 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 · Claudine Coto. MLS #A11960258.
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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