Island Retreat on Harbor Point

290 Harbor Point Lane, Key Biscayne, FL 33149 · Key Biscayne

$4,690,000 Est. $33,095/mo · $942/sq ft

Bedrooms5
Bathrooms5.5
Interior4,980 sq ft
Lot13,500 sq ft (0.31 acre)
Year built2016
Parking2-car garage plus golf-cart bay
HOANone
Price per sq ft$942

About this home

Built in 2016 to current wind code, this five-bedroom island home is designed for relaxed family life: a 75 ft pool, a shaded loggia for long lunches and bikes in the garage for the five-minute ride to the beach. Currently under offer; we are accepting back-up offers and can arrange a viewing in case the sale does not close.

This 5-bedroom, 5.5-bathroom villa at 290 Harbor Point Lane, Key Biscayne, FL 33149 has 4,980 sq ft of interior space; lot: 13,500 sq ft (0.31 acre). Built in 2016. Parking: 2-car garage plus golf-cart bay. Flood zone: AE (elevated construction, flood policy transferable). Offered for sale at $4,690,000, or $942 per sq ft. Listed on Sep 5, 2026 by Isabela Moreno, Founding Partner & Principal Broker.

Features & amenities

Long 75 ft pool with covered lounge terrace
Open-plan living, dining and family room
Impact windows and doors, 2016 construction to current wind code
Five en-suite bedrooms including a ground-floor guest suite
Walk or bike to the beach, Village Green and K–8 school
Natural gas generator and cistern irrigation

Monthly cost estimate

Estimated property tax: $89,110 a year ($7,426 a month), based on 1.9% of the price, which is typical for new Miami-Dade buyers. HOA: No HOA.

Estimated monthly payment

$33,095/mo

Principal & interest$23,715
Property tax (1.9%/yr)$7,426
Home insurance (0.5%/yr)$1,954
HOA$0

Down payment: $938,000
Loan amount: $3,752,000

Down payment Interest rate % Loan term

How we estimate it: 20% down ($938,000), a 6.5% fixed rate over 30 years, property tax of 1.9% of the price a year ($89,110/yr, typical for new Miami-Dade buyers), home insurance of 0.5% of the price a year ($23,450/yr) and no HOA. Estimates only, not a loan offer or financial advice; flood cover is extra where required.

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Property details

Listing ID	ME-1005
Status	Under offer (for sale)
Asking price	$4,690,000
Price per sq ft	$942
Property tax (estimate)	$89,110 a year (1.9% of the price)
Estimated monthly payment	$33,095 (20% down, 6.5% fixed, 30 years, with tax, insurance and HOA)
Property type	Villa
Neighborhood	Key Biscayne
Address	290 Harbor Point Lane, Key Biscayne, FL 33149
Bedrooms / bathrooms	5 bedrooms, 5.5 bathrooms
Interior size	4,980 sq ft
Lot size	13,500 sq ft (0.31 acre)
Year built	2016
Parking	2-car garage plus golf-cart bay
HOA	No HOA
Flood zone	AE (elevated construction, flood policy transferable)
Listed	Sep 5, 2026
Open house	By private appointment, 7 days a week
Photos	4 photos, plus a 3D virtual tour on request
Listing advisor	Isabela Moreno, +1 (555) 019-8800 ext. 201, isabela@meridianestates.demo
Listing office	Meridian Estates, 1200 Ocean Drive, Suite 400, Miami Beach, FL 33139 · +1 (555) 019-8800 · Mon–Sat 9am–6pm, Sun by appointment

The neighborhood

Key Biscayne

A quiet island village with beaches, parks and a close family community.

Median: $2.9M (single-family homes)
Schools: An A-rated public K–8 school on the island; high schoolers commute to the mainland.
Commute: 20–25 min to Brickell via the Rickenbacker Causeway.

Explore the Key Biscayne area guide

Also listed here: Furnished Waterfront Villa with Infinity Pool ($14,500/mo)

Listing advisor

Isabela MorenoFounding Partner & Principal Broker

+1 (555) 019-8800 ext. 201 isabela@meridianestates.demo

Speaks English, Spanish, Portuguese. Office: 1200 Ocean Drive, Suite 400, Miami Beach, FL 33139, open Mon–Sat 9am–6pm, Sun by appointment.

View Isabela's profile