Housing character
Key Biscayne is a barrier-island village reached by the Rickenbacker Causeway, mixing luxury condo towers with single-family streets around Crandon Park and Bill Baggs State Park. The island’s small-town governance, top-rated school and beach parks give it a resort-village character minutes from downtown Miami.
Price character
The top tier of the Miami market, among the priciest island addresses in South Florida.
Zip codes
- 33149
Financing here
Conventional Loans
A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.
Jumbo Loans
A jumbo loan is a mortgage larger than the FHFA conforming loan limit for your county, used for higher-priced homes.
DSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).
Condo Loans
A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.
FAQ
What is Key Biscayne known for?
Key Biscayne is a barrier-island village reached by the Rickenbacker Causeway, mixing luxury condo towers with single-family streets around Crandon Park and Bill Baggs State Park. The island’s small-town governance, top-rated school and beach parks give it a resort-village character minutes from downtown Miami.
Who buys in Key Biscayne?
Affluent families, executives and international buyers choose the Key for the island lifestyle and the short downtown commute. It is a cash and jumbo market where condo milestone inspections and wind-insurance costs shape every transaction.
What do homes cost in Key Biscayne?
The top tier of the Miami market, among the priciest island addresses in South Florida. Get a quote based on the actual property, every block prices differently.