Monroe County property record for 103 Pirates Cv, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,296 sqft · built 1998 |
| Lot Size | 0.203 acres (8,840 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $775,000 (Oct 2003) |
| Tax Bill | $4,604 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage Mar 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00333641-004400 |
| Primary APN | 00333641-004400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,296 sqft Living Area |
| Gross Area | 3,203 sqft |
| 1st Floor Area | 2,054 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,840 sqft (0.203 acres) |
| View / Lot | Canal |
| Garage Type | Attached |
| Garage Area | 907 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 614 sqft |
| Deck Area | 20 sqft |
| Patio Area | 116 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1410144 |
|---|---|
| Street Address | 103 PIRATES CV |
| City | MARATHON |
| State | FL |
| Zip | 33050-2925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 44 STIRRUP KEY SUBDIVISION PB7-4 STIRRUP KEY OR825-385 OR925-253 OR925-254 OR1318-1229 OR1558-1793 OR1946-798 |
| Legal Range | 33E |
| Legal Township | 65S |
| Legal Section | 31 |
| Legal Subdivision | STIRRUP KEY SUBD |
| Legal Lot Number | 44 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 971100 |
Source: Monroe County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 103 PIRATES CV, MARATHON, FL 33050-2925 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Mar 3, 2020 | Deed of Trust, Mortgage IBERIABANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2003 · Amount on Record |
| Deed Sale | Oct 30, 2003 · Amount on Record |
| Prior Sale | Feb 1, 1999 · Amount on Record |
| Deed Document Number | 20031405894 |
| Deed Book / Page | 1946 / 798 |
| Last Transfer Date | Jul 9, 2025 |
| Transfer Doc | 0033361303 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 103 PIRATES CV, MARATHON, FL 33050-2925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 103 PIRATES CV, MARATHON, FL 33050-2925 |
| Document Number | 0031502317 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 3150/2317 |
| Instrument | 2358398 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 103 PIRATES CV, MARATHON, FL 33050-2925 |
| Document Number | 0030121981 |
| Instrument Date | Mar 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 103 PIRATES COVE DR MARATHON FL 33050, MARATHON, FL 33050 |
| Document Number | 0030121981 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 003012/001981 |
| Instrument | 2259241 |
| Name | IBERIABANK |
|---|---|
| Type | Bank |
| Address | LAFAYETTE, LA 70501 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 9, 2050 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Marathon City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $496,021 (+5.99%) | $1,175,568 (-1.36%) Land $746,980 Building $428,588 | |
| 2024 | $4,604.00 (+2.17%) | ||
| 2023 | $4,506.00 (+1.56%) Homeowner's exemption | $468,002 (+3%) | $1,191,819 (+14.53%) Land $761,345 Building $430,474 |
| 2022 | $4,437.00 Homeowner's exemption | $454,371 | $1,040,643 Land $611,419 Building $429,224 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 522 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 586 units insured incl. 64 condo units |
| Nearby Flood Claims | 671 (1985–2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
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