265 15th Street Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 265 15th Street Ocean, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,353 sqft · built 2000
Lot Size	0.238 acres (10,400 sqft)
Owner	Individual Name on File
Last Sale	$2,834,000 (May 2021)
Tax Bill	$29,194 (2024)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone VE (high risk)
APN	`00079872-009600`

Property Details

APN / Parcel Number

Primary APN	`00079872-009600`
Alternative APNs	`05663300079872009600` `8734212`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,353 sqft Living Area
1st Floor Area	3,029 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2015
Exterior Material	Other
Foundation Type	Pile
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	10,400 sqft (0.238 acres)
Garage Area	528 sqft

Exterior Amenities

Pool Area	504 sqft
Porch	Open Porch
Porch Area	1,668 sqft
Patio Area	1,709 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8734212
Old Parcel Number	05663300079872009600
Street Address	265 15TH STREET OCEAN
City	MARATHON
State	FL
Zip	33050-2193
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 3 LT 12 COURY SUBD NO 2 PB7-48 OR1520-1083 OR1542-445 OR1981-1063 OR2686-1374/75 OR3094-0711
Legal Range	33E
Legal Township	66S
Legal Section	05
Legal Subdivision	COURY SUBD #2
Legal Block	3
Legal Lot Number	12
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1006
Census Tract	971300

Owner

265 15th Street Ocean is owned by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	813 INLET VIEW DR, WILMINGTON, NC 28409-2106
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 4, 2021 · Amount on File
Deed Sale	May 4, 2021 · Amount on File
Prior Sale	May 29, 2014 · Amount on File
Deed Document Number	2317456
Deed Book / Page	3094 / 711
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 4, 2021
Property Address	265 15TH STREET OCEAN, MARATHON, FL 33050-2193
Document Number	0030940711
Book / Page	3094 / 711
Map Reference	MB 7 PG 48
Instrument Date	Apr 16, 2021
Instrument	2317456
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,838.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32 RAMAPO MOUNTAIN DR, 32, WANAQUE, NJ 07465-1636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 INLET VIEW DR, WILMINGTON, NC 28409-2106

Mortgage

Document Number	0003094713
Date	May 4, 2021
Instrument	3094/713

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	Other
Max Rate	8%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$3,238,749 Land $2,107,312 Building $1,131,437	$3,238,749 Land $2,107,312 Building $1,131,437
2024	$29,194.00 (-1.15%)
2023	$29,533.00 (+9.66%)	$3,015,221 (+8.91%) Land $2,019,507 Building $995,714	$3,015,221 (+8.91%) Land $2,019,507 Building $995,714
2022	$26,931.00	$2,768,532 Land $1,756,093 Building $1,012,439	$2,768,532 Land $1,756,093 Building $1,012,439

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

Flood

FEMA maps place 265 15th Street Ocean in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 139 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	211 units insured incl. 72 condo units
Nearby Flood Claims	220 (1982–2024)
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 82 claims Hurricane Wilma, Oct 2005 · 28 claims Hurricane Georges, Sep 1998 · 97 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 265 15th Street Ocean 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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