Monroe County property record for 304 109th Street Ocean, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,440 sqft · built 1951 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $565,000 (Jun 2025) |
| Tax Bill | $1,395 (2025) |
| Deeds & Mortgages | Apr 2026 Sale Jun 2023 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00343690-000000 |
| Primary APN | 00343690-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Florida Room |
| Porch Area | 272 sqft |
| Patio Area | 61 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1421626 |
|---|---|
| Street Address | 304 109TH STREET OCEAN |
| City | MARATHON |
| State | FL |
| Zip | 33050-3439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK B LT 14 S MARATHON SHORES PB2-140 A SUB IN S1/2 OF GOV LOT 1 KEY VACCAS FLA G58-118 OR14-261 OR593-830 OR750-623 OR1296-1353/54 |
| Legal Range | 33E |
| Legal Township | 66S |
| Legal Section | 06 |
| Legal Subdivision | SOUTH MARATHON SHORES |
| Legal Block | B |
| Legal Lot Number | 14,1 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 971100 |
304 109th Street Ocean is owned and occupied by two individuals who acquired it in March 2026.
Source: Monroe County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 304 109TH STREET OCEAN, MARATHON, FL 33050-3439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 7, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Oct 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2025 · Amount on File |
| Deed Sale | Jun 2, 2025 · Amount on File |
| Prior Sale | Mar 8, 1994 · Amount on File |
| Deed Document Number | 2025820 |
| Deed Book / Page | 3328 / 1583 |
| Last Transfer Date | Mar 20, 2026 |
| Transfer Doc | 0002538485 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 7, 2026 |
| Property Address | 304 109TH STREET OCEAN, MARATHON, FL 33050-3439 |
| Document Number | 0002538485 |
| Book / Page | 3374 / 1307 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 20262538485 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 304 109TH STREET OCEAN, MARATHON, FL 33050-3439 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 304 109TH STREET OCEAN, MARATHON, FL 33050-3439 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 304 109TH STREET OCEAN, MARATHON, FL 33050-3439 |
| Document Number | 0032280279 |
|---|---|
| Date | Jun 1, 2023 |
| Book Page | 3228/279 |
| Instrument | 2420168 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MARATHON, FL 33050 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | May 23, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 304 109TH STREET OCEAN, MARATHON, FL 33050-3439 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0028741755 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | 2874/1755 |
| Instrument | 2139567 |
| Name | CAPITAL BANK CORPORATION |
|---|---|
| Type | Bank |
| Address | FORT MYERS, FL 33966 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 304 109th Street Ocean was $1,395, up 1.5% from the year before.
Source: Monroe County assessment roll, as of December 8, 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 | $1,395.00 (+1.53%) | $124,442 | $459,127 Land $258,000 Building $201,127 |
| 2024 | $1,374.00 (+8.1%) | ||
| 2023 | $1,271.00 (-17.95%) Homeowner's exemption | $117,413 (+3%) | $419,801 (+19.09%) Land $258,000 Building $161,801 |
| 2022 | $1,549.00 Homeowner's exemption | $113,994 | $352,504 Land $186,000 Building $166,504 |
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.
FEMA maps place 304 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 |
|
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.
The area around 304 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures