685 Harbor Ln, Key Biscayne FL 33149, KEY BISCAYNE, FL, 33149
Active110 days on marketListed Apr 16, 2026MLS #A11997896
About this home
685 Harbor Ln, Key Biscayne FL 33149
Timeless colonial-style residence, also known as Villa Rosa, set on a rare 12,200 sqft lot in the heart of Key Biscayne. Designed by renowned architect Cesar Molina, this 5-bedroom home is located on a very quiet, low-traffic street, offering privacy within a well-established, family-friendly neighborhood. The home features double balconies, bright interiors, and a functional indoor-outdoor layout with expansive covered terraces. The kitchen includes an island, Sub-Zero refrigerator, wine cooler, double ovens, and two dishwashers. The primary suite offers a private terrace, oversized walk-in closet with safe, and dual bathrooms with sauna. The spacious backyard includes a pool and generous green space. Additional features include maid’s quarters and construction that meets hurricane code requirements. Ideally located near beaches, parks, and top-rated schools, this is a rare opportunity to own a well-designed home on one of Key Biscayne’s most desirable streets.
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
5,421
Sqft
1
Garage
2001
Year built
$1,282
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$43,629 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$43,629/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs BISCAYNE KEY ESTATES
$1,282 vs $1,598
Days on market
110 vs 62 typical
Where $1,282/sqft sits among the 10 homes for sale in BISCAYNE KEY ESTATES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Village Of Key Biscayne
Get to know Key Biscayne. See the full Key Biscayne guide →
Village Of Key Biscayne — neighborhood snapshot
Population
14,603
Median age
44
Median income
$152,910
Median home value
$1,246,268
Avg household
3
Households w/ children
2,233
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Key Biscayne market
$1.6M → $1.6M
Key Biscayne median sold, yr/yr
94.9%
Sale-to-list ratio (12 mo)
1 of 10
BISCAYNE KEY ESTATES have cut their price
This home is listed 26631% above the KEY BISCAYNE 33149 median. See the full Key Biscayne market guide →
Paper trail
This home's history
Reality check
What actually sold near 685 Harbor Ln
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$6,500,000
797 Ridgewood Rd, Key Biscayne FL 33149 · same community
7 bd · 7.5 ba · 5,528 sqft · $1,176/sqft · 537 DOM
Sold · Apr ’26$4,950,000
635 Curtiswood Dr, Key Biscayne FL 33149 · same community
6 bd · 6 ba · 3,888 sqft · $1,273/sqft · 265 DOM
Sold · Jun ’26$5,690,000
762 Fernwood Rd, Key Biscayne FL 33149 · same community
6 bd · 5 ba · 3,584 sqft · $1,588/sqft · 30 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 685 Harbor Ln — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 685 Harbor Ln — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
685 Harbor Ln FAQs
What would the monthly payment be for 685 Harbor Ln, Key Biscayne FL 33149?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $43,629/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 685 Harbor Ln, Key Biscayne FL 33149?+
The most recent tax bill on record (2025) was $40,335. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Key Biscayne?+
At $6,950,000, this home is listed about 150% above the Key Biscayne median of $2,775,000. The market section on this page shows how the area is trending.
Which schools are assigned to 685 Harbor Ln, Key Biscayne FL 33149?+
Key Biscayne K-8 Center (elementary), District Instructional Center (Dic) (), Coral Gables Senior High School (high), Ponce De Leon Middle School (middle), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Avanti Way Realty LLC · Marisela Gonzalez Servat. MLS #A11997896.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
Never miss a listing
New Key Biscayne homes, in your inbox
Like 685 Harbor Ln, Key Biscayne FL 33149 but not quite? A daily digest of every new listing in Key Biscayne — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →