360 Harbor Ln, Key Biscayne, FL 33149
Sources: MIAMI / SEFMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
360 Harbor Ln in Biscayne Key Estates, Key Biscayne is listed at $9,950,000 (4,341 sq ft, about $2,292 per sq ft). That is 185% above Biscayne Key Estates's median closed sale of $3,487,500 over the last 12 months (10 recorded sales). Per square foot it is above the community's recent $1,280/sq ft by about 79%. It came to market within the past week. Listing facts: built in 2025. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 2025 · 1 yrs
- 4,341 sq ft of living area
- New to market
About this home
Discreetly set in the heart of Key Biscayne — one of Miami’s most coveted island communities — this elegant modern two-story residence offers 5,156 SF of total space on a lush 9,300 SF lot with 6 bedrooms, 5.5 bathrooms, and a private office, perfectly balancing refined design with the relaxed island lifestyle. A travertine staircase entry and wrap-around porch with modern glass railings set a sophisticated tone, leading inside to soaring ceilings, herringbone oak floors by Listone Giordano, floor-to-ceiling sliding doors, and Lutron lighting. The open-concept living, dining, and family areas flow seamlessly to the outdoors.
The chef’s kitchen showcases a striking fluted marble island with curved-edge countertops, floor-to-ceiling cabinetry by Design It, and a full Wolf and Sub-Zero appliance suite. The primary suite features a private terrace, dual custom walk-in closets, a dry sauna, and a show-stopping bath with aquamarine quartzite sourced from ARCA, dual Waterworks vanities, and a frameless glass shower. Outside, a covered terrace with fluted wood-paneled ceiling, summer kitchen with built-in grill and pizza oven, and a heated saltwater pool with marble deck and Baja ledge create the ultimate island retreat.
Professionally designed landscaping and enchanting exterior uplighting illuminate the lush gardens, creating picturesque views through the home’s expansive glass walls, particularly after sunset. Integrated sound and four AC units complete this exceptional offering.
All 16 photos
Description provided by Coldwell Banker Realty and reproduced from the MLS; not independently verified.
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for BISCAYNE KEY ESTATES. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $53,924/mo 83%
- Taxes $8,706/mo 13%
- Insurance $2,682/mo 4%
$65,312/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 360 Harbor Ln
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is $31,314/yr per the MLS listing record (TaxAnnualAmount, 2026-11-06). Florida reassesses at sale, so a buyer's first bill is usually higher than the seller's; the county millage here is not verified, so no reset figure is printed. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Miami-Dade County is $1,891/yr (56,357 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $22,500–$46,500/yr; neither is a quote. |
| Roof and age | Built in 2025. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Miami-Dade County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Miami-Dade County, FL: overall Very High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the BISCAYNE KEY ESTATES market
How this home is priced against recent nearby sales, and where BISCAYNE KEY ESTATES has been over 25 years. Momentum Research analysis of MIAMI MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in BISCAYNE KEY ESTATES
Each dot is a closed sale since 2012 (120 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). MIAMI / SEFMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2018–2026. This home lists at $2292/sq ft.
Median sale price by year
12-month median closed price, 2018–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2019–2026. Now 38 (cold).
This home’s history
- 2025BuiltPer public record
- Oct 19, 2026First seen on our siteObserved at $9,950,000
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Momentum Property Score
33/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $2292 per square foot, about 79% above the community’s $1280 median. BISCAYNE KEY ESTATES’s 12-month median sold price per square foot is $1280. Median sold price per square foot is up 5.4% year over year. Confidence: Medium · 10 closed sales in 12 monthsMLS facts: MIAMI / SEFMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent BISCAYNE KEY ESTATES sales closed near 91.1% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of MIAMI / SEFMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 7 active listings in BISCAYNE KEY ESTATES, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Coldwell Banker Realty · MLS # A12104430
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Similar homes for sale near BISCAYNE KEY ESTATES
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
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More on BISCAYNE KEY ESTATES
Go deeper on BISCAYNE KEY ESTATES
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Miami-Dade County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the BISCAYNE KEY ESTATES guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 33149 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 360 Harbor Ln, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2025: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- Confirm whether a mandatory HOA applies to this parcel and what it charges.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Miami-Dade County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 4,341 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $104,475/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | MIAMI / SEFMLS, checked against the MLS hourly (last: November 9, 2026) |
| Comparable sales | Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of MIAMI / SEFMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 360 Harbor Ln and when was it built?
Per the listing record, 360 Harbor Ln was built in 2025 and has 4,341 sq ft of living area, 6 bedrooms and 6 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 360 Harbor Ln in?
360 Harbor Ln is in Biscayne Key Estates in Key Biscayne, Miami-Dade County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Why might property taxes on 360 Harbor Ln differ from the current owner's?
The estimate on this page (about $104,475 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 360 Harbor Ln in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 360 Harbor Ln in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the MIAMI Association of REALTORS / Southeast Florida MLS (SEFMLS) Internet Data Exchange. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: MIAMI Association of REALTORS / Southeast Florida MLS (SEFMLS). Listing information provided by the Southeast Florida MLS (SEFMLS) / MIAMI Association of REALTORS(R). Information is deemed reliable but not guaranteed by the MLS to be accurate. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.