zach.homesRealty Hub 754-332-7529

Zach Curtis, REALTOR®, Realty Hub, license SL3664129 · 754-332-7529

$1,220,000200 Ocean Lane Drive #407, Key Biscayne, FL 33149

2 bd · 2 ba · 1,580 sqft · Price cut $55,000 · On the market about 180 days · Active

Listing courtesy of Compass Florida, LLC · 305-697-5402 · BeachesMLS

Full disclosure: what this home really costs

11 of 12 answered from real sources. Anything not in the listing says so, and one tap asks Zach. Nothing here is guessed. Source: BeachesMLS listing, updated Oct 30, 2026, unless a row says otherwise.

Price
$1,220,000 · $772/sqft
Property taxes
$10,875/yr (2025 bill). A new owner's bill is reset from the sale price and is usually higher; Zach can pull the county estimate.
HOA / condo fee
$2,946/mo (listed as $8,839 quarterly)From the listing, unconfirmed
Fee covers
Cable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Trash, Water, Common Areas, Elevator, Hot Water, HVAC Maintenance, Legal/Accounting, Pool Service
Special assessments
Not listed - ask Zach
Mandatory club / membership
Not required per the MLS
Insurance (estimate)
About $1,816/yr (HO-6 condo policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
Flood zone
Zone AE: high-risk flood area, base flood elevation 7 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
Monthly payment (estimate)
$11,680/mo: $6,651 loan + $1,932 tax + $151 insurance + $2,946 HOA. 20% down, 7.24% rate (Freddie Mac, week of October 29, 2026), 30 years. Change the numberszach.homes calculator (not a loan offer)
Year built
1961 · 14 stories
Days on market
About 180 days
Price history (this listing)
Originally listed at $1,275,000; last price change Aug 19, 2026; listed May 4, 2026. Down $55,000.
200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 1 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 2 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 3 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 4 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 5 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 6 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 7 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 8 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 9 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 10 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 11 of 12200 Ocean Lane Drive #407, Key Biscayne, FL 33149, photo 12 of 12

Details

  • TypeCondo
  • Beds2 bd
  • Baths2
  • Size1,580 sqft
  • Year built1961
  • Parking1 garage
  • PoolCommunity
  • WaterfrontYes: Deeded Beach Access, Ocean Access, Ocean Front
  • ViewGarden, Direct Ocean, Ocean
  • FurnishedUnfurnished
  • NeighborhoodISLAND HOUSE APT INC - CO
  • ZIP33149
  • MLS #A12012107
  • To the beachUnder 0.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)

Check your commute (opens maps)

From the listing

A Rare Beachfront Setting with Direct Ocean ViewsThis two-bedroom, two-bathroom beachfront residence offers a refined Key Biscayne setting. From every room, the apartment captures direct ocean and beach views, bringing coastal light and energy into the home throughout the day. Designed with a desirable split-bedroom layout, it features generous living and dining areas that open onto an extended balcony with uninterrupted views of the ocean and shoreline, complemented by tranquil garden greenery below.The primary suite enjoys sliding glass doors leading to the balcony, enhancing the seamless indoor–outdoor flow and inviting the ocean breeze into everyday living. While comfortable as presently configured, the residence presents a compelling opportunity for a thoughtful renovation, offering the potential to create a truly tailored beachfront retreat.Set within an elegant, low-density oceanfront building, valued for its peaceful ambiance and immediate proximity to the shoreline, this residence embodies the understated sophistication and timeless appeal of Key Biscayne living. Residents enjoy the tranquility of an island community known for its beaches, parks, and village feel, while remaining within immediate reach of Miami’s cultural, dining, and business centers.

Virtual tour

Monthly payment calculator

Rate: 7.24% 30-year fixed average (Freddie Mac, week of October 29, 2026). Your own rate may differ; you can change it here.

Estimate, not a loan offer. Tax default: the higher of the seller's bill and about 1.9% of price (Florida resets a new owner's assessment). Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Rate is an assumption; your lender sets the real one. Zach doesn't take lender or title referral fees.

Estimate closing costs for this home

Florida risk facts

Flood zone
Zone AE: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 29, 2026. This is a map lookup, not an official flood zone determination.
Wind and building code
Built in 1961, before the statewide Florida Building Code took effect in 2002. Ask for the wind mitigation report; it can lower insurance. My Safe Florida Home offers free inspections and grants when funded.
Disclosure
Florida sellers must give you a flood disclosure about known flood damage, insurance claims and federal assistance (§689.302).

We don't show crime scores or rate neighborhoods. Every listing is open to everyone.

Condo health facts

Building
Not listed - ask Zach
Year built
1961 (65 years old)
Stories
14
HOA / condo fee
$2,946/mo (from the listing, unconfirmed)
Fee covers
Cable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Trash, Water, Common Areas, Elevator, Hot Water, HVAC Maintenance, Legal/Accounting, Pool Service
Pets
Yes, Pet Restrictions Possible
Milestone inspection
This building is 65 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
Reserve study (SIRS)
Condo buildings 3+ stories must have a structural integrity reserve study. Look up the building's filing in the state condo database (DBPR) or ask Zach for the document pack.

Facts only, from the listing and state law. We don't grade buildings. How Florida's condo safety laws work.

Start an offer

  1. Pre-approval letter or proof of funds (cash)
  2. The price you'd offer and your deposit
  3. Financing type and closing date
  4. Inspection period you want (often 10-15 days)
  5. Condo documents review: Florida gives you a review period after you receive the association documents
  6. A signed buyer agreement with Zach (Florida practice before touring or offering)

Rather not check the box? That's fine. Zach will call or email instead.

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.

Tour 200 Ocean Lane Drive #407, Key Biscayne, FL 33149

Pick a time; same-day tours when the listing side allows. Zach confirms with the listing agent and texts you. Before a buyer tour Zach sends a short, plain-language buyer agreement to sign.

Pick a day

Same-day: 12 times left today, soonest 1:30 PM.

Rather not check the box? That's fine. Zach will call or email instead.

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Ask Zach anything

One tap opens a text with this address filled in.

Is it still available?What's the HOA really?Can I see it today?What would you offer?

Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.

From finding it to the keys, one agent

  1. Find it
    Every home for sale and rent from the MLS, with the real monthly cost. Or tell Zach what you want and he looks for you.
  2. Tour it
    Same day when the listing side allows, in person or live video.
  3. Afford it
    Real Florida costs up front: taxes, HOA, insurance, flood zone, assessments. Buyers: pre-approval with a lender you choose. Renters: your renter résumé and documents in one place.
  4. Make the offer or apply
    Zach writes the offer or the application, negotiates, and handles the association approval.
  5. Close or get the keys
    Zach tracks every deadline through inspections, condo documents and closing or lease signing, then stays your agent after.

Report a problem with this listing

Wrong price, already sold, wrong photos, or something that looks like a scam copy? This goes straight to Zach, who fixes or escalates it within 2 business days.

Never send a deposit by Zelle, Cash App, wire or crypto, and never before you've seen the home with a licensed agent.

Chat with Zach

Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.

Your messages go to Zach only. Reply STOP anytime and he won't follow up again.

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Listing courtesy of Compass Florida, LLC · 305-697-5402 · BeachesMLS

All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. Listing data last updated Oct 31, 2026, 9:34 AM ET. Listing information is deemed reliable but not guaranteed. zach.homes estimates and Zach's notes are shown separately from MLS data and labeled with their source.

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