Grand Bay Tower is a waterfront condominium at 430 Grand Bay Dr on Key Biscayne, with 12 floors and 100 residences. It was built in 1999 and developed by Grand Bay Tower Associates, a Florida general partnership.
The building sits in FEMA flood zone AE, part of the Special Flood Hazard Area, where FEMA maps a 1% yearly chance of flooding and lenders require flood insurance on federally backed or federally regulated mortgages. It is also in Miami-Dade hurricane evacuation zone A. The lowest street beside the building is 10.1 ft above the highest tide predicted for 2026 at Virginia Key.
On the 2025 tax roll, 33% of the 100 units carry a homestead exemption and 56% are owned by a company or trust. The Miami-Dade Clerk recorded 2 resale deeds in the 12 months to October 21, 2026. A public records check last run on October 23, 2026 found no liens, lawsuits or regulatory complaints at watch level or higher.
Part of the Grand Bay Tower complex
Sister towers that share the same development, address and often amenities — compare availability across the complex.
Getting around
Key Biscayne is a walkable urban neighborhood. Transit, parks, dining and landmarks within reach:
A data-grounded score for Grand Bay Tower from live market data — value, momentum, liquidity, building health, waterfront and age. Computed, not opinion.
Get new listings here before the portals, and a straight answer from someone who knows the building.
Inventory
Sold $/sqft trend
3-month rolling median of closed sales in Grand Bay Tower; bars are closings per month.
Location
Nearby buildings within half a mile.
Building facts
- Address
- 430 Grand Bay Dr
- Year built
- 1999
- Floors
- 12
- Residences
- 100
- Developer
- Grand BAY Tower Associates, A Florida General Partnership
- Waterfront
- Yes
Amenities
- · Beach access
- · Beach service
- · Concierge
- · Fitness center
- · Pool
- · Tennis and padel courts
- · Valet
Building rules
- Parking
- 1 assigned parking space, 1 valet
Special assessments & recertification outlook
ElevatedPublic records checked Oct 29, 2026: no liens, lawsuits or regulatory complaints found for the association.
- Built 1999 — past its first structural milestone; next inspection around 2034
Estimated from Grand Bay Tower’s age and signals in active listings — not an official inspection or reserve report. Always verify the building’s milestone-inspection status and reserves with the association before buying.
Financeability
What the banks say about Grand Bay Tower: recorded purchase mortgages, the down payments they accepted, and the programmes in use.
- Mortgages recorded, 12 months
- 1
- 1 from banks and credit unions · purchases and refinances
- Sales bank-financed
- —
- 2 recorded sales, 12 months · Resales only
- Average down payment
- —
- Lowest down payment accepted
- —
Low confidence — few loans · As of 2026-10-31
Source: Miami-Dade County official records and the FHA/VA approval lists. Aggregates only; individual instruments are never shown. Compare with Key Biscayne
Flooding and storm surge
Public flood data at this building’s location, read Oct 22, 2026.
- FEMA flood zone
- Zone AE: high-risk area. FEMA maps a 1% yearly chance of flooding here.
- Base flood elevation on the map: 8.0 ft.
- Hurricane evacuation zone
- Zone A
- Miami-Dade storm surge planning zones run from A (called first) to E. The county decides which zones evacuate in a storm.
- Ground at the building
- 11.3 ft
- Lowest nearby street
- 11.1 ft
- Highest predicted tide, 2026
- 1.0 ft
Elevations in feet above the NAVD88 datum.
The lowest street next to this building sits 10.1 ft above this year’s highest predicted tide (Oct 27, 2026).
Estimated from public data, not a flood determination. Check the FEMA flood map and an elevation certificate for this building.
Legal & Regulatory
No material litigation foundCivil court cases involving the condominium association, classified by what they are about. Routine collections against individual owners are counted separately and do not affect the building’s standing.
- Active material lawsuits
- 0
- Owner / association disputes
- 0
- Routine collection cases
- 0
- DBPR complaints
- 0
- Open DBPR complaints
- 0
- Insurance claimClosedassociation as defendant · Filed Nov 2021
An insurance company filed a negligence lawsuit against the condominium association. The case involved various discovery requests and a settlement proposal before being voluntarily dismissed with prejudice. Filed November 2021.
Source: Miami-Dade Clerk civil docket, summarized by own.miami
No civil cases involving the association were found on the Miami-Dade docket in the last five years.
DBPR registration PR1U024674 · Approved,Recorded. Public complaints on record with the Florida Division of Condominiums; investigations are confidential and not counted.
Court records are matched to the association by name and summarized by us; a case is a claim, not a finding. Ask the association for its litigation disclosure before buying.
Frequently asked
How much do condos at Grand Bay Tower cost?+
There are 2 condos for sale at Grand Bay Tower, from $3,900,000, with a median asking price of $5,400,000 ($1,539/sqft).
How much are the HOA fees at Grand Bay Tower?+
HOA / maintenance fees at Grand Bay Tower run around $3,884 per month among units currently for sale; the exact fee varies by unit size and line, so confirm the current amount with the listing or the condo association.
Is Grand Bay Tower a waterfront building?+
Yes — Grand Bay Tower is a waterfront building (Key Biscayne).
When was Grand Bay Tower built?+
Grand Bay Tower was built in 1999, 12 stories, 100 residences.
Who developed Grand Bay Tower?+
Grand Bay Tower was developed by Grand BAY Tower Associates, A Florida General Partnership.
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