2002 109th St Gulf, Marathon, FL 33050 Property Records

Monroe County property record for 2002 109th St Gulf, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,968 sqft · built 1962
Lot Size	0.53 acres (23,100 sqft)
Owner	2 Individual Names on File
Last Sale	$1,818,000 (Mar 2023)
Tax Bill	$14,308 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00334910-000000`

Property Details

APN / Parcel Number

Primary APN	`00334910-000000`
Alternative APNs	`06663300334910000000` `1412571`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,968 sqft Living Area
1st Floor Area	1,968 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Flat
Roof Material	Asphalt
Lot Area	23,100 sqft (0.53 acres)
Lot Dimensions	150 ft deep x 75 ft wide
View / Lot	Waterfront
Garage Type	Covered
Garage Area	525 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	216 sqft
Patio Area	124 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1412571
Street Address	2002 109TH STREET GULF
City	MARATHON
State	FL
Zip	33050-3066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	BK 1 LT 1- 2 KEY COLONY SUBD 4 PB4-23 KEY VACA OR212-245/46 OR1349-262/63 OR1349-265D/C OR1395-1833D/C OR2000-560 OR2467-875/76 OR2706-2014/15C OR2757-103D/C OR2757-1033/34 OR3217-0391
Legal Range	33E
Legal Township	66S
Legal Section	06
Legal Subdivision	KEY COLONY SUBD NO 4
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2035
Census Tract	971100

Owner

2002 109th St Gulf is owned by two individuals who bought it in March 2023.

Source: Monroe County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	12441 SW 99TH ST, MIAMI, FL 33186-2432
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 27, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2023 · Amount on File
Deed Sale	Mar 27, 2023 · Amount on File
Deed Document Number	20232411319
Deed Book / Page	3217 / 391
Prior Transfer Date	Aug 18, 2015
Prior Transfer Doc	0027571033
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2002 109TH STREET GULF, MARATHON, FL 33050-3066
Transaction Type	Mortgage
Record Updated	Jan 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2002 109TH STREET GULF, MARATHON, FL 33050-3066

Mortgage

Document Number	0032451355
Date	Oct 4, 2023
Book Page	3245/1355
Instrument	2434843

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2038

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 27, 2023
Property Address	2002 109TH STREET GULF, MARATHON, FL 33050-3066
Document Number	0032170391
Book / Page	3217 / 391
Map Reference	MB 4 PG 23
Instrument Date	Mar 23, 2023
Instrument	2411319
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2002 109TH STREET GULF, MARATHON, FL 33050-3066

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12441 SW 99TH ST, MIAMI, FL 33186-2432

Mortgage

Document Number	0003217393
Date	Mar 27, 2023
Instrument	3217/393

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	2002 109TH STREET GULF, MARATHON, FL 33050-3066
Document Number	0028411243
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2002 109TH STREET GULF MARATHON FL 330503066, MARATHON, FL 33050-3066

Mortgage

Document Number	0028411243
Date	Mar 2, 2017
Book Page	002841/001243
Instrument	2112416

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2037

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		$1,440,457 Land $1,069,377 Building $371,080	$1,440,457 Land $1,069,377 Building $371,080
2024	$14,308.00 (+72.51%)
2023	$8,294.00 (-4.25%) Homeowner's exemption	$878,552 (+0.81%)	$1,445,219 (-15.12%) Land $1,165,870 Building $279,349
2022	$8,662.00 Homeowner's exemption	$871,483	$1,702,690 Land $1,404,870 Building $297,820

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2002 109th St Gulf in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 2002 109th St Gulf is low, with less than a 0.01% annual chance of 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 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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