530 Harbor Dr, Key Biscayne FL 33149, KEY BISCAYNE, FL, 33149
Active139 days on marketListed Mar 18, 2026MLS #A11985119
About this home
530 Harbor Dr, Key Biscayne FL 33149
Fully remodeled home. Located on secluded lagoon in Hurricance Harbor. Short or longer term available. Available for World Cup 2026. 5bdrm/6bth.
Facts & features
The home at a glance
5
Bedrooms
6
Bathrooms
4,700
Sqft
1957
Year built
$8
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.
$417 /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
$417/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 Key Biscayne actives
$8 vs $1,203
Days on market
139 vs 62 typical
Where $8/sqft sits among the 135 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 135
Key Biscayne actives have cut their price
This home is listed 37% above the KEY BISCAYNE 33149 median. See the full Key Biscayne market guide →
Paper trail
This home's history
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 530 Harbor Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 530 Harbor 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
530 Harbor Dr FAQs
What would the monthly payment be for 530 Harbor Dr, Key Biscayne FL 33149?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $417/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 530 Harbor Dr, Key Biscayne FL 33149?+
The listing reports pets: Dogs OK. 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 $35,500, 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 530 Harbor 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
$35,500 runs 37% above the KEY BISCAYNE 33149 median — but at 4,700 sqft it's also nearly 2 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
139 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 Three Bridges Realty, LLC · William Earle. MLS #A11985119.
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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