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378 97th St Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 378 97th St Ocean, Marathon, FL 33050

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,280 sqft · built 1963
Lot Size0.139 acres (6,052 sqft)
Owner2 Individual Names on File
Last Sale$450,000 (Dec 2002)
Tax Bill$3,326 (2024)
Deeds & MortgagesOct 2019 Mortgage
Flood ZoneZone AE (high risk)
APN00351880-000000

Property Details

APN / Parcel Number

Primary APN00351880-000000
Alternative APNs
  • 06663300351880000000
  • 1429589

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,280 sqft Living Area
1st Floor Area1,280 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 2008
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialTile
Lot Area6,052 sqft (0.139 acres)
Lot Dimensions89 ft deep x 68 ft wide
View / LotCanal

Exterior Amenities

PorchUnfinished Open Porch
Porch Area445 sqft
Deck Area24 sqft
Patio Area12 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1429589
Street Address378 97TH STREET OCEAN
CityMARATHON
StateFL
Zip33050-3376
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLT 26 OVERSEAS ESTATES PB5-27 KEY VACA OR550-297 OR678-804C/T OR691-661 OR752-892 OR812-1947/48 OR920-297C/T OR999-1415 OR1284-673 OR1568-2114 OR1840-762 OR2320-2492/93TR OR2382-2078/79
Legal Range33E
Legal Township66S
Legal Section06
Legal SubdivisionOVERSEAS ESTATES
Legal Lot Number26
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group1
Census Block1010
Census Tract971100

Owner

378 97th St Ocean is owned and occupied by two individuals who acquired it in September 2008.

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

Owner of Record2 Individual Names on File
Mailing Address378 97TH STREET OCEAN, MARATHON, FL 33050-3376
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

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 Names2 Names on Deed
Last SaleDec 11, 2002 · Amount on File
Deed SaleDec 11, 2002 · Amount on File
Prior SaleApr 1, 1999 · Amount on File
Deed Document Number20021338866
Deed Book / Page1840 / 762
Last Transfer DateSep 26, 2008
Transfer Doc0023822078
Record UpdatedJun 8, 2026

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Property Address378 97TH STREET OCEAN, MARATHON, FL 33050-3376
Document Number0029892222
Instrument DateOct 8, 2019
Transaction TypeMortgage
Record UpdatedNov 22, 2019
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address378 97TH STREET OCEAN MARATHON FL 330503376, MARATHON, FL 33050-3376

Mortgage

Document Number0029892222
DateOct 17, 2019
Book Page002989/002222
Instrument2240853
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 16, 2049

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityMarathon City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$348,991$1,020,063 Land $701,412 Building $318,651
2024$3,326.00 (+3.1%)
2023$3,226.00 (+1.7%) Homeowner's exemption$329,278 (+3%)$1,074,133 (+30.39%) Land $764,065 Building $310,068
2022$3,172.00 Homeowner's exemption$319,688$823,787 Land $556,239 Building $267,548

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

Flood

FEMA maps place 378 97th St 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 569 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies748 units insured
incl. 179 condo units
Nearby Flood Claims1,492 (1978–2024)
Most Recent ClaimSep 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 378 97th St 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 RiskNot 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 198 locations within half a mile, as of December 31, 2025

ProviderMax 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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