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1132 76th St Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 1132 76th St Ocean, Marathon, FL 33050

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,380 sqft · built 2019
Lot Size0.317 acres (13,800 sqft)
Owner2 Individual Names on Record
Tax Bill$2,292 (2024)
Deeds & MortgagesMay 2022 Construction Loan
Jun 2019 Loan Modification
+ 2 more
Flood ZoneZone AE (high risk)
APN00342961-000700

Property Details

APN / Parcel Number

Primary APN00342961-000700
Alternative APNs
  • 12663200342961000700
  • 1420689

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,380 sqft Living Area
1st Floor Area1,104 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeHip
Roof MaterialMetal
Lot Area13,800 sqft (0.317 acres)
Lot Dimensions115 ft deep x 60 ft wide
Garage TypeCovered
Garage Area1,650 sqft
PorchOpen Porch
Porch Area257 sqft
Patio Area60 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1420689
Street Address1132 76TH STREET OCEAN
CityMARATHON
StateFL
Zip33050-3145
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLTS 7 AND 8 SEASCAPE VILLAS KEY VACA PB6-105 OR569-615 OR651-278 OR786-1382 OR832-593 OR1144-2057D/C OR1159-606AFF OR1179-8 OR1230-268 OR1362-838 OR1715-1559R/S OR2430-2393/94 OR2924-1284/85C
Legal Range32E
Legal Township66S
Legal Section12
Legal SubdivisionSEASCAPES VILLAS
Legal Lot Number7,8
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group1
Census Block1026
Census Tract971100

Owner

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 Record2 Individual Names on Record
Mailing Address1132 76TH STREET OCEAN, MARATHON, FL 33050-3145
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 13, 2022Deed of Trust, Mortgage · Construction Mortgage
CENTENNIAL BANK
Jun 28, 2019Loan Modification, Mortgage
CENTENNIAL BK
Aug 29, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY
Aug 27, 2018Deed of Trust, Mortgage
CENTENNIAL BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2018
Deed SaleAug 29, 2018
Prior SaleAug 3, 2001 · Amount on Record
Deed Document Number20184535
Deed Book / Page2924 / 1284
Prior Transfer DateAug 28, 2018
Prior Transfer Doc0029241284
Record UpdatedJun 8, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1132 76TH STREET OCEAN, MARATHON, FL 33050-3145
Transaction TypeMortgage
Record UpdatedJan 23, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address1132 76TH STREET OCEAN, MARATHON, FL 33050-3145

Mortgage

Document Number0031732060
DateMay 13, 2022
Book Page3173/2060
Instrument2375636
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term316 Months
DueSep 1, 2048
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateSep 1, 2023
Min Rate At Change3.75%
Max Rate At Change6.75%
Index1-Year CMT
Max Rate10.7%

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address1132 76TH STREET OCEAN, MARATHON, FL 33050-3145
Document Number0029760693
Instrument DateJun 28, 2019
Transaction TypeMortgage
Record UpdatedAug 7, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1132 76TH STREET OCEAN MARATHON FL 330503145, MARATHON, FL 33050-3145

Mortgage

Document Number0029760693
DateJul 23, 2019
Book Page002976/000693
Instrument2229666
Lender
NameCENTENNIAL BK
TypeBank
AddressCONWAY, AR 72032
Agreement
AmountAmount Recorded
Term360 Months
DueJul 22, 2049
Interest
Rate TypeFixed Rate
Rate3.87%

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateAug 29, 2018
Property Address1132 76TH STREET OCEAN, MARATHON, FL 33050-3145
Document Number0029241284
Book / Page002924 / 001284
Instrument DateAug 28, 2018
Instrument2184535
Transaction TypeTransfer
Record UpdatedOct 4, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1132 76TH STREET OCEAN MARATHON FL 330503145, MARATHON, FL 33050-3145

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address1132 76TH STREET OCEAN, MARATHON, FL 33050-3145
Document Number0029241286
Instrument DateAug 27, 2018
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1132 76TH STREET OCEAN MARATHON FL 330503145, MARATHON, FL 33050-3145

Mortgage

Document Number0029241286
DateAug 29, 2018
Book Page002924/001286
Instrument2184536
Lender
NameCENTENNIAL BK
TypeBank
AddressCONWAY, AR 72033
Agreement
AmountAmount Recorded
Term360 Months
DueAug 28, 2048
Interest
Rate TypeAdjustable Rate
Rate4.75%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityMarathon City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$171,541 (+5.99%)$868,765 (+6.17%) Land $488,348 Building $380,417
2024$2,292.00 (+4.71%)
2023$2,189.00 (+1.62%) Homeowner's exemption$161,852 (+3%)$818,249 (+38.25%) Land $467,044 Building $351,205
2022$2,154.00 Homeowner's exemption$157,138$591,865 Land $306,446 Building $285,419

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 569 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies748 units insured
incl. 179 condo units
Nearby Flood Claims1,492 (1978–2024)
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Irma, Sep 2017 · 472 claims
  • Hurricane Wilma, Oct 2005 · 269 claims
  • Hurricane Georges, Oct 1998 · 605 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL in parts of the area		5,000 / 5,000
Xfinity
Cable · Fiber in parts of the area		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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