Price cut $95K3D tour
$724,000
155 Ocean Lane Drive #302, Key Biscayne 33149
Est. $8,976/mo with 20% down incl. HOA
Listing courtesy of One Sotheby's International Realty · BeachesMLS
$770,00077 Crandon Boulevard #5C, Key Biscayne, FL 33149
Listing courtesy of Avanti Way Realty LLC · 305-229-1146 · 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
- $770,000 · $697/sqft
- Property taxes
- $2,707/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
- $1,356/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Maintenance Structure, Common Areas
- 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 9 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $6,924/mo: $4,198 loan + $1,219 tax + $151 insurance + $1,356 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
- 1974 · 11 stories
- Days on market
- About 65 days
- Price history (this listing)
- Listed Aug 27, 2026.
Details
- TypeCondo
- Beds2 bd
- Baths2
- Size1,105 sqft
- Year built1974
- Parking1 garage
- PoolCommunity
- ViewOther, Skyline
- FurnishedUnfurnished
- NeighborhoodTHE PALMS OF KEY BISCAYNE
- ZIP33149
- MLS #A12078784
- To the beachAbout 0.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to The Palms of Key Biscayne, a boutique condominium ideally located at the entrance of the Village. This updated 2-bedroom, 2-bath residence with west-facing residence, Unit 5C is located on the fifth floor and offers approximately 1,105 square feet of bright and comfortable living space.The residence features a desirable split-bedroom floor plan provides added privacy, with both bedrooms featuring en-suite baths and positioned on opposite sides of the living and dining areas.The residence features ceramic tile flooring throughout with vinyl flooring in the kitchen, two ceiling fans, updated bathroom lighting, a pantry, a linen closet, hurricane shutters, a new GE all-in-one washer/dryer, and a Titan electric water heater. The partially enclosed balcony creates a wonderful setting for breakfast, while overlooking the palm trees and beautiful sunsets.Additional conveniences include one assigned outdoor parking space, ample guest parking and a private storage unit conveniently located on the same floor and bicycle storage monthly maintenance includes cable and internet.The Palms features only 48 residences, with just five units per floor, creating a private, quiet, and intimate residential atmosphere. Building amenities include a swimming pool, sauna, multipurpose room with kitchenette, daytime doorman service, and secured intercom access.Enjoy the Key Biscayne lifestyle just one block from the beach, with convenient beach access at the end of Ocean Lane. The property is also close to the Key Biscayne Community Center, shopping centers, restaurants, parks, schools, and everything the island has to offer.Enjoy west-facing views of Key Biscayne, the skyline and beautiful afternoon sunsets.
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 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1974, 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
- 1974 (52 years old)
- Stories
- 11
- HOA / condo fee
- $1,356/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Maintenance Structure, Common Areas
- Pets
- Yes
- Milestone inspection
- This building is 52 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.
Similar homes in Key Biscayne
Text Zach
Price cut $181K3D tour
$794,000
155 Sunrise Drive #4B, Key Biscayne 33149
Est. $6,829/mo with 20% down incl. HOA
Listing courtesy of IMS Consulting & Management · BeachesMLS
Price cut $34K3D tour
$764,900
170 Ocean Lane Drive #310, Key Biscayne 33149
Est. $7,461/mo with 20% down incl. HOA
Listing courtesy of All Florida Property Group,Inc · BeachesMLS
Price cut $35K3D tour
$875,000
201 Crandon Boulevard #932, Key Biscayne 33149
Est. $7,649/mo with 20% down incl. HOA
Listing courtesy of BHHS EWM Realty · BeachesMLS
Listing courtesy of Avanti Way Realty LLC · 305-229-1146 · 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.