Monroe County property record for 1177 76th St Ocean, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,008 sqft · built 1979 |
| Lot Size | 0.161 acres (7,015 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (Oct 2015) |
| Tax Bill | $3,157 (2024) |
| Deeds & Mortgages | Nov 2021 Reverse Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00342961-001700 |
| Primary APN | 00342961-001700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 7,015 sqft (0.161 acres) |
| Lot Dimensions | 115 ft deep x 61 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 213 sqft |
| Patio Area | 1,690 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1420786 |
|---|---|
| Old Parcel Number | 12663200342961001700 |
| Street Address | 1177 76TH STREET OCEAN |
| City | MARATHON |
| State | FL |
| Zip | 33050-3117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 17 SEASCAPE VILLAS KEY VACA PB6-105 OR651-519 OR788-467 OR809-724C/D OR809-725 OR1782-1478 OR2764-883/84 |
| Legal Range | 32E |
| Legal Township | 66S |
| Legal Section | 12 |
| Legal Subdivision | SEASCAPES VILLAS |
| Legal Lot Number | 17 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 971100 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1177 76TH STREET OCEAN, MARATHON, FL 33050-3117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Aug 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL FREEDOM MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2015 · Amount on Record |
| Deed Sale | Oct 9, 2015 · Amount on Record |
| Prior Sale | May 7, 2002 · Amount on Record |
| Deed Document Number | 2048624 |
| Deed Book / Page | 2764 / 0883 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1177 76TH STREET OCEAN, MARATHON, FL 33050-3117 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1177 76TH STREET OCEAN, MARATHON, FL 33050-3117 |
| Document Number | 0031350340 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 3135/340 |
| Instrument | 2346718 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 1009 Months |
| Due | Dec 30, 2105 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.72% |
| Change Frequency | Annually |
| Min Rate At Change | 1.72% |
| Max Rate At Change | 6.72% |
| Index | 1-Year CMT |
| Max Rate | 6.72% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 1177 76TH STREET OCEAN, MARATHON, FL 33050-3117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1177 76TH STREET OCEAN, MARATHON, FL 33050-3117 |
| Document Number | 0030381408 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 3038/1408 |
| Instrument | 2277937 |
| Name | FINANCIAL FREEDOM MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 1, 2050 |
Source: Monroe County assessment roll, as of July 1, 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 | $271,053 (+5.99%) | $523,443 (+7.51%) Land $296,735 Building $226,708 | |
| 2024 | $3,157.00 (+3.34%) | ||
| 2023 | $3,055.00 (+1.5%) Homeowner's exemption | $255,742 (+3%) | $486,875 (+22.96%) Land $280,249 Building $206,626 |
| 2022 | $3,010.00 Homeowner's exemption | $248,294 | $395,975 Land $222,551 Building $173,424 |
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 | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 569 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 748 units insured incl. 179 condo units |
| Nearby Flood Claims | 1,492 (1978–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 286 locations within half a mile, as of December 31, 2025
| Provider | Max 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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