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
$975,000455 Grand Bay Drive #1020, Key Biscayne, FL 33149
Listing courtesy of Arch Realty Inc · 305-361-1550 · BeachesMLS
Full disclosure: what this home really costs
12 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
- $975,000 · $2,593/sqft
- Property taxes
- $8,457/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
- $1,234/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Insurance, Internet, Maintenance Grounds, Sewer, Trash, Water, Common Areas, Hot Water, Legal/Accounting, Reserve Funds, Pool Service
- Special assessments
- None listed
- 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 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Nov 1, 2026
- Monthly payment (estimate)
- $8,245/mo: $5,316 loan + $1,544 tax + $151 insurance + $1,234 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
- 2001 · 14 stories
- Days on market
- About 62 days
- Price history (this listing)
- Listed Sep 1, 2026.
Details
- TypeCondo
- BedsStudio
- Baths1
- Size376 sqft
- Year built2001
- Parking1 garage
- PoolCommunity
- WaterfrontYes: Ocean Access
- ViewBay
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodG B RESORT CONDO HOTEL
- ZIP33149
- MLS #A12095668
- 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
Ideal peaceful coastal living. This 10th-floor condo-hotel studio residence offers the perfect blend of luxury ownership and resort living at The Ritz-Carlton Key Biscayne. Elegant finishes, a convenient kitchenette, a well-appointed bathroom, and a private balcony overlooking the bay create an inviting retreat for personal enjoyment, seasonal use, or investment purposes. Owners & guests enjoy access to the Ritz-Carlton’s exceptional amenities, including oceanfront pools, private beach service, a luxury spa, fitness center, tennis facilities, concierge services, valet parking, and multiple on-site dining experiences. Set within the exclusive island community of Key Biscayne.
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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2001, 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
- 2001 (25 years old)
- Stories
- 14
- HOA / condo fee
- $1,234/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Insurance, Internet, Maintenance Grounds, Sewer, Trash, Water, Common Areas, Hot Water, Legal/Accounting, Reserve Funds, Pool Service
- Pets
- Yes
- Milestone inspection
- Due by Dec 31, 2031 for buildings 3+ stories (local officials can require it at 25 years).
- 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 will reply as soon as he can.
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 will reply as soon as he can.
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 Nov 1, 2026, 7:36 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.