ActiveMLS® A11912105

$19,450,000

550 Harbor Drive, Key Biscayne, FL 33149

Beds: 7
Baths: 8
Sqft: 6,497

Est. payment$119,436/mo

Home type: Single Family Residence
Year built: 2003
Lot size: 23,087 sqft
Price / sqft: $2,994
HOA: $0/mo
Community: HURRICANE COVE

Property description

Situated on the exclusive island of Key Biscayne, this extraordinary 7,000sqft waterfront estate sits on a rare double lot located on Hurricane Harbor overlooking tranquil Manatee Lagoon. The property offers an unparalleled sanctuary of luxury and seclusion with features including a 4 car garage ideal for collectors, professionally landscaped yard well suited for outdoor entertaining, 7 bedrooms and 7.5 baths including live-in staff quarters. Expansive living areas flow seamlessly to large outdoor, covered porches becoming your al fresco living room for outdoor dining or relaxing and soaking in the beauty of the natural environment. As the sun hits the horizon, Sunsets light up the sky illuminating the clouds in a breathtaking array of tropical colors.Text listing agent. 24hr notice

Listing activity

Days on market: 345
Listed: Nov 11, 2025
MLS listing updated: Oct 22, 2026
Feed last checked: 4 minutes ago

Listed by William D. Earle · Three Bridges Realty, LLC

Map

Map location is based on MLS-supplied coordinates. Verify the location before relying on it.

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 7
Bathrooms: 8
Bathrooms (decimal): 7.5
Full bathrooms: 7
Half bathrooms: 1

Rooms & features

Rooms: 2
Interior features: Built-in Features, Elevator
Flooring: Carpet, Marble
Appliances: Electric Water Heater, Dishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

Heating & cooling

Heating: Central, Electric
Cooling: Central Air, Electric

Property

Parking

Garage spaces: 4
Garage: Yes
Covered spaces: 4
Parking features: Attached, Attached Garage, Driveway, Garage, Garage Door Opener, Paver Block
Attached garage: Yes

Exterior

Stories: 2
Building area: 7,356 sqft
Patio & porch: Porch - Open, Porch, Patio
Exterior features: Balcony
Pool: Yes
Pool features: Equipment Included
View: Lagoon
Waterfront: No Fixed Bridge, Ocean Access, Lagoon, Navigable Water, No Fixed Bridges
Waterfront property: Yes

Lot

Lot size: 23,087 sqft
Lot size (acres): 0.53 acres
Zoning: 2000

Construction

Type & style

Home type: Single Family Residence
Year built: 2003
New construction: No

Materials

Roof: Barrel
Property condition: Resale
Levels: Two
Faces: Southeast

Utilities & green energy

Utilities

Sewer: Public Sewer
Water: Public

Community & HOA

Community

Subdivision: HURRICANE COVE
MLS area: 2520
Security: Smoke Detector(s)
55+ community: No

Association

Has association: No
Estimated monthly dues: $0
Amenities: Beach Club Available, Boating, Tennis Court(s)

Lease details

Not reported by the listing source.

Location

Area details

City: Key Biscayne
County: Miami-Dade
ZIP code: 33149

Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number: A11912105
Possession: Negotiable
Original list price: $21,950,000
Parcel number: 2452050070020
Annual property tax: $105,472
Tax year: 2024
Tax legal description: 5 & 6 55 42 .30 AC HURRICANE COVE PB 57-66 LOT 2 LOT SIZE 13302 SQ FT F/A/U 24-5205-013-0010 OR 19060-1529-1531 03/2000 1 COC 21909-0810 12

Additional MLS details

Reported by the listing source

Association Amenities: Beach Club Available, Boating, Tennis Court(s)
Association: No
Bathrooms Total Decimal: 7.5
Bathrooms Total Integer: 8
Building Area Total: 7356
County Or Parish: Miami-Dade
Days On Market: 345
Direction Faces: Southeast
Elementary School: Key Biscayne K-8
High School: Coral Gables
List Price: 19450000
Listing Contract Date: 2025-11-11
Living Area: 6497
Lot Size Acres: 0.53
Lot Size Area: 22975
MLSArea Major: 2520
Middle Or Junior School: Ponce De Leon
Mls Status: Active
On Market Date: 2026-10-16
Patio And Porch Features: Porch - Open, Porch, Patio
Photos Count: 66
Postal Code: 33149
Price Change Timestamp: 2026-06-24T21:42:43Z
Property Sub Type: Single Family Residence
Property Type: Residential
Rooms Total: 2
Security Features: Smoke Detector(s)
Senior Community: No
Standard Status: Active
State Or Province: FL
Status Change Timestamp: 2026-10-16T16:16:01Z
Stories Total: 2
Subdivision Name: HURRICANE COVE
Water Source: Public
Waterfront Features: No Fixed Bridge, Ocean Access, Lagoon, Navigable Water, No Fixed Bridges
Tax Annual Amount: 105472
Bathrooms Full: 7
Pool Private: Yes
Bedrooms Total: 7
Bathrooms Half: 1

Market value

Automated estimate—No licensed valuation source connected

Estimated sales range—Ask Karim for a local market analysis

Estimated rent—No licensed rental valuation source connected

Price history

Date	Event	Price
Nov 11, 2025	ListedMIAMI REALTORS® MLS	$21,950,000$3,378/sqft
Jun 24, 2026	Price reducedMIAMI REALTORS® MLS	$19,450,000$2,994/sqft

Public tax history

Year	Property taxes	Assessment
2024	$105,472	—

Payment calculator

Estimated monthly payment$119,436/moIllustrative estimate, not a loan offer.

Loan typeDown payment (%)Interest rate assumption (%)Loan termInsurance / month

Principal & interest: $100,922
Property taxes: $8,789
Insurance: $9,725
Association dues: $0

Live national rate context is displayed below through Mortgage News Daily’s official widget. The calculator rate remains a separate assumption until licensed machine-readable access is connected. This is not a loan offer.

Neighborhood

Area

HURRICANE COVE

Key Biscayne · Miami-Dade County · 33149

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Key Biscayne K-8Elementary

—

Ponce De LeonMiddle

—

Coral GablesHigh

—

School names and districts are MLS-reported when available. Verify attendance boundaries with the school district. Ratings require a licensed ratings provider.

Nearby homes

12 homes