Price cut $75K3D tour
$1,125,000
177 Ocean Lane Drive #208, Key Biscayne 33149
Est. $9,665/mo with 20% down incl. HOA
Listing courtesy of City Intl R. E. Group, Inc. · BeachesMLS
$1,499,000200 Ocean Lane Drive #409, Key Biscayne, FL 33149
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
- $1,499,000 · $931/sqft
- Property taxes
- $17,701/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
- $3,177/mo (listed as $9,532 quarterly)From the listing, unconfirmed
- Fee covers
- Cable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, 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)
- $13,874/mo: $8,173 loan + $2,373 tax + $151 insurance + $3,177 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 148 days
- Price history (this listing)
- Listed Jun 5, 2026.
Details
- TypeCondo
- Beds2 bd
- Baths2
- Size1,610 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 #A12033182
- 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
Filled with exceptional natural light from 11 windows and doors, including both bathrooms, this thoughtfully remodeled double-corner residence showcases timeless elegance through a carefully curated selection of materials, finishes, and soft neutral tones. At its center is a beautifully designed open kitchen, accessible from three sides and seamlessly connected to the living and dining areas—an inviting focal point for everyday living and effortless entertaining. Marble floors, generous terraces and a gracious L-shaped living and dining area enhance the sense of space and flow throughout.The split floor plan offers exceptional privacy with two separate bedroom suites, each with direct terrace access. Direct ocean and beach views from the living room, dining room, and primary bedroom are complemented by lush tropical greenery, creating a bright and welcoming coastal setting. The double-corner exposure captures natural light throughout the day and reinforces the residence's unique connection to the shoreline.Located in a boutique oceanfront community known for its intimate scale, direct beach access and remarkable proximity to the shoreline, allowing residents to enjoy an authentic beachfront lifestyle with the ocean at their doorstep.Key Biscayne is a unique island community known for its privacy, security & natural beauty (Ocean, parks, marinas, scenic bike paths) while Brickell, Coconut Grove, Downtown Miami & Miami International Airport remain conveniently accessible
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.
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
- $3,177/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Hot Water, HVAC Maintenance, Legal/Accounting, Pool Service
- Pets
- Yes
- 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
- Pre-approval letter or proof of funds (cash)
- The price you'd offer and your deposit
- Financing type and closing date
- Inspection period you want (often 10-15 days)
- Condo documents review: Florida gives you a review period after you receive the association documents
- A signed buyer agreement with Zach (Florida practice before touring or offering)
Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.
Ask Zach anything
One tap opens a text with this address filled in.
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
- 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. - Tour it
Same day when the listing side allows, in person or live video. - 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. - Make the offer or apply
Zach writes the offer or the application, negotiates, and handles the association approval. - 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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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 30, 2026, 10:20 PM 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.