Monroe County property record for 357 109th Street Ocean, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 775 sqft · built 1946 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Apr 2023) |
| Tax Bill | $4,165 (2024) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00343580-000000 |
| Primary APN | 00343580-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 775 sqft Living Area |
| 1st Floor Area | 775 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Flat |
| Roof Material | Urethane Foam |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 508 sqft |
| Deck Area | 93 sqft |
| Patio Area | 128 sqft |
| Fence | Fence |
| Cooling System | None |
|---|
| Account Number | 1421511 |
|---|---|
| Old Parcel Number | 06663300343580000000 |
| Street Address | 357 109TH STREET OCEAN |
| City | MARATHON |
| State | FL |
| Zip | 33050-3438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BK A LT 8 S MARATHON SHORES PB2-140 A SUB IN S1/2 OF GOV LOT 1 SEC 6 TWP 66S R 33E KEY VACCAS OR625-157 OR687-156 OR911-1790 |
| Legal Range | 33E |
| Legal Township | 66S |
| Legal Section | 06 |
| Legal Subdivision | SOUTH MARATHON SHORES |
| Legal Block | A |
| Legal Lot Number | 1,8 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 971100 |
357 109th Street Ocean is owned and occupied by an individual who bought it in April 2023.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 357 109TH STREET OCEAN, MARATHON, FL 33050-3438 |
| 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.
| Date | Document |
|---|---|
| Apr 25, 2023 | Warranty Deed, Transfer · FHA Mortgage MEGA CAPITAL FUNDING INC |
| Apr 20, 2020 | Warranty Deed, Transfer · FHA Mortgage CENTENNIAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2023 · Amount on File |
| Deed Sale | Apr 25, 2023 · Amount on File |
| Prior Sale | Apr 20, 2020 · Amount on File |
| Deed Document Number | 2415263 |
| Deed Book / Page | 3222 / 510 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 25, 2023 |
| Property Address | 357 109TH STREET OCEAN, MARATHON, FL 33050-3438 |
| Document Number | 0032220510 |
| Book / Page | 3222 / 510 |
| Map Reference | MB 2 PG 140 |
| Instrument Date | Apr 14, 2023 |
| Instrument | 2415263 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Title Company | ALL KEYS TITLE SERVICES, ALL KEYS TTL & NOTARY SVCS I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 357 109TH STREET OCEAN, MARATHON, FL 33050-3438 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 357 109TH STREET OCEAN, MARATHON, FL 33050-3438 |
| Document Number | 0003222512 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 3222/512 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Apr 20, 2020 |
| Property Address | 357 109TH STREET OCEAN, MARATHON, FL 33050-3438 |
| Document Number | 0030181800 |
| Book / Page | 3018 / 1800 |
| Map Reference | MB 2 PG 140 |
| Instrument Date | Apr 17, 2020 |
| Instrument | 2263581 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1404 W PARK LN, 1404, PANAMA CITY, FL 32404-9653 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 357 109TH STREET OCEAN, MARATHON, FL 33050-3438 |
| Document Number | 0030181804 |
|---|---|
| Date | Apr 20, 2020 |
| Instrument | 3018/1804 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Monroe County assessment roll, as of July 1, 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 | $437,339 Land $258,000 Building $179,339 | $437,339 Land $258,000 Building $179,339 | |
| 2024 | $4,165.00 (+11.81%) | ||
| 2023 | $3,725.00 (+0.68%) | $422,413 (+19.31%) Land $258,000 Building $164,413 | $422,413 (+19.31%) Land $258,000 Building $164,413 |
| 2022 | $3,700.00 | $354,051 Land $186,000 Building $168,051 | $354,051 Land $186,000 Building $168,051 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 357 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 357 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 |
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