1515 Harbor Dr, Marathon, FL 33050 Property Records

Monroe County property record for 1515 Harbor Dr, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 2,680 sqft · built 2023
Lot Size	0.254 acres (11,064 sqft)
Owner	Individual Name on Record
Last Sale	$2,746,000 (Apr 2024)
Tax Bill	$18,571 (2024)
Deeds & Mortgages	Apr 2024 Sale & Mortgage May 2023 Construction Loan + 3 more
Flood Zone	Zone AE (high risk)
APN	`00329100-000200`

Property Details

APN / Parcel Number

Primary APN	`00329100-000200`
Alternative APN	`9104652`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,680 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,064 sqft (0.254 acres)
Lot Dimensions	183 ft deep x 57 ft wide
Garage Type	Covered
Garage Area	1,780 sqft
Porch	Open Porch
Porch Area	996 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	9104652
Street Address	1515 HARBOR DR
City	MARATHON
State	FL
Zip	33050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BLK S PT LT 1 & PT LT 2 PART B OF MASTER PLAT OF N MARATHON SHORES PB3-32 KEY VACCAS OR117-242/43 OR135-12/13 OR811-1586 OR811-2386/93 OR811-2394/95 OR1632-1670 OR2197-1424 OR2739-1719/20 OR3095-1912 OR3118-2281 OR3118-2291 OR3169-0134 OR3268-2227
Legal Range	32E
Legal Township	66S
Legal Section	01
Legal Subdivision	NORTH MARATHON SHORES PLAT B
Legal Block	S
Legal Lot Number	1,2
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2063
Census Tract	971100

Owner

Source: Monroe County records, as of February 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4602 DUSTYS CIR, NEW FRANKLIN, OH 44319-3470
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
May 25, 2023	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Nov 16, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 21, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 12, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2024 · Amount on Record
Deed Sale	Apr 1, 2024 · Amount on Record
Prior Sale	Aug 12, 2021 · Amount on Record
Deed Document Number	20242456250
Deed Book / Page	3268 / 2227
Prior Transfer Date	Mar 22, 2024
Prior Transfer Doc	0002456152
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 1, 2024
Property Address	1515 HARBOR DR, MARATHON, FL 33050
Document Number	0032682227
Book / Page	3268 / 2227
Map Reference	MB 3 PG 32
Instrument Date	Mar 22, 2024
Instrument	2456250
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Amount	Amount Recorded
Tax	$19,222.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11400 OVERSEAS HWY STE 121, 121, MARATHON, FL 33050-3600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4602 DUSTYS CIR, NEW FRANKLIN, OH 44319-3470

Mortgage

Document Number	0002456251
Date	Apr 1, 2024
Instrument	2456251

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

Interest

Rate	6.62%
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	Other
Max Rate	10.6%

Mortgage

Document Number	0032682229
Date	Apr 1, 2024
Book Page	3268/2229
Instrument	2456251

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

Interest

Rate	6.62%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	Other
Max Rate	10.6%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	1515 HARBOR DR, MARATHON, FL 33050
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032262298
Date	May 25, 2023
Book Page	3226/2298
Instrument	2419271

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	MARATHON, FL 33050

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Nov 16, 2023
Property Address	1515 HARBOR DR, MARATHON, FL 33050
Document Number	0032510369
Book / Page	3251 / 369
Map Reference	MB 3 PG 32
Instrument Date	Nov 10, 2023
Instrument	2440342
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11400 OVERSEAS HWY, MARATHON, FL 33050-3600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11400 OVERSEAS HWY, MARATHON, FL 33050-3600

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 21, 2022
Property Address	1515 HARBOR DR, MARATHON, FL 33050
Document Number	0031690134
Book / Page	3169 / 134
Map Reference	MB 3 PG 32
Instrument Date	Apr 20, 2022
Instrument	2371943
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11400 OVERSEAS HWY STE 121, 121, MARATHON, FL 33050-3600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11400 OVERSEAS HWY STE 121, 121, MARATHON, FL 33050-3600

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Aug 12, 2021
Property Address	1515 HARBOR DR, MARATHON, FL 33050
Document Number	0031182291
Book / Page	3118 / 2291
Map Reference	MB 3 PG 32
Instrument Date	Jul 30, 2021
Instrument	2334726
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$8,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1570 BLUEFIN DR, MARATHON, FL 33050-2813

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	11400 OVERSEAS HWY STE 121, 121, MARATHON, FL 33050-3600

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Marathon City
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,223,474 (+564.99%) Land $799,540 Building $1,423,934	$2,223,474 (+564.99%) Land $799,540 Building $1,423,934
2024	$18,571.00 (+407.13%)
2023	$3,662.00 (+80.93%)	$334,364 (+64.85%) Land $257,073 Building $77,291	$334,364 (+64.85%) Land $257,073 Building $77,291
2022	$2,024.00	$202,826 Land $190,333 Building $12,493	$202,826 Land $190,333 Building $12,493

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	8.0 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	Hurricane Irma, Sep 2017 · 131 claims Hurricane Wilma, Oct 2005 · 440 claims Hurricane Georges, Sep 1998 · 69 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 Risk	Low lower than 98% of the US · lower than 97.6% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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