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685 Harbor Ln, Key Biscayne FL 33149
About this home
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.
Features
- First Floor Entry
- Bar
- Closet Cabinetry
- Cooking Island
- Entrance Foyer
- Walk-In Closet(s)
- Family Room
- Great Room
- Storage
- Lighting
- Open Balcony
- Other
Location
Approximate — shows the building, not the unit. Open in maps (opens in a new tab)
Estimated loan & HOA
Loan payment and HOA only. Property tax and insurance are significant here and are not included.
- Principal & interest
- $35,143
- HOA
- None
Illustration only — not a loan offer, quote, or commitment. Assumes a 30-year loan at 6.5% with 20% down (rates as of July 2026); your actual terms will differ.
Schedule a tour
Request a private or video tour with a local agent.
Run the numbers
We fill in the price and the building's HOA dues. That leaves rent, tax, insurance and maintenance — they depend on your exemptions, your insurer and the unit, so we don't guess them. Vacancy and the loan terms below start at common defaults; change them.
Enter rent, property tax, insurance, maintenance to see the returns. A cap rate calculated without every cost overstates the deal — often by half — so we don't show a partial one.
Illustration only — not a loan offer, quote, or investment advice. The loan fields start at 20% down over 30 years at 6.5% (rates as of July 2026); that is a nominal rate for illustration, not an APR, and your actual terms will differ. Cap rate is unlevered; cash-on-cash counts the down payment as invested capital and excludes closing costs.
Listing data from the MIAMI Association of REALTORS® (MIAMIRE) IDX program. Information deemed reliable but not guaranteed. Demo data shown for layout purposes.