238 109th Street Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 238 109th Street Ocean, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1951
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$312,000 (May 2019)
Tax Bill	$2,935 (2024)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00343650-000000`

Property Details

APN / Parcel Number

Primary APN	`00343650-000000`
Alternative APNs	`06663300343650000000` `1421588`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,492 sqft Living Area
1st Floor Area	1,492 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	514 sqft
Patio Area	334 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1421588
Old Parcel Number	06663300343650000000
Street Address	238 109TH STREET OCEAN
City	MARATHON
State	FL
Zip	33050-3439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK B LT 10 S MARATHON SHORES PB2-140 A SUB IN S1/2 OF GOV LOT 1 SEC 6 TWP 66S R 33E KEY VACCAS OR160-430/31 OR783-1072L/E
Legal Range	33E
Legal Township	66S
Legal Section	06
Legal Subdivision	SOUTH MARATHON SHORES
Legal Block	B
Legal Lot Number	1,10
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1041
Census Tract	971100

Owner

238 109th Street Ocean is owned and occupied by an individual who bought it in May 2019.

Source: Monroe County records, as of December 5, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	238 109TH STREET OCEAN, MARATHON, FL 33050-3439
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2019 · Amount on File
Deed Sale	May 15, 2019 · Amount on File
Prior Sale	Dec 31, 2012 · Amount on File
Deed Document Number	2220225
Deed Book / Page	2964 / 1008
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 15, 2019
Property Address	238 109TH STREET OCEAN, MARATHON, FL 33050-3439
Document Number	0029641008
Book / Page	2964 / 1008
Map Reference	MB 2 PG 140
Instrument Date	May 3, 2019
Instrument	2220225
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,184.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 116TH STREET OCEAN, 398, MARATHON, FL 33050-3645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 109TH STREET OCEAN, MARATHON, FL 33050-3439
Investor	Possibly a Property Investor

Mortgage

Document Number	0029641010
Date	May 15, 2019
Instrument	2964-1010

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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		$304,013	$458,713 Land $219,300 Building $239,413
2024	$2,935.00 (+3.56%)
2023	$2,834.00 (+1.76%) Homeowner's exemption	$286,841 (+3%)	$433,810 (+15.36%) Land $219,300 Building $214,510
2022	$2,785.00 Homeowner's exemption	$278,487	$376,041 Land $158,100 Building $217,941

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

Flood

FEMA maps place 238 109th Street Ocean 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	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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	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

The area around 238 109th Street Ocean has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20