396 25th St Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 396 25th St Ocean, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,000 sqft · built 2011
Lot Size	0.086 acres (3,778 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (May 2021)
Tax Bill	$5,364 (2024)
Deeds & Mortgages	May 2021 Sale Nov 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00321180-000105`

Property Details

APN / Parcel Number

Primary APN	`00321180-000105`
Alternative APN	`8987364`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Attic Area	1,000 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Shingle
Lot Area	3,778 sqft (0.086 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Patio Area	363 sqft
Fence	Fence
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	8987364
Street Address	396 25TH STREET OCEAN
City	MARATHON
State	FL
Zip	33050-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 2 PT LTS 4 AND 5 (AKA UNIT 5 AND PT CANAL) SOMBRERO SUB 3 PB2-152 KEY VACA OR96-254/55 OR111-361 OR119-13/14 OR430-334/35
Legal Range	32E
Legal Township	66S
Legal Section	09
Legal Subdivision	SOMBRERO SUBD NO 3
Legal Block	2
Legal Lot Number	4-5 5
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2017
Census Tract	971300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	396 25TH STREET OCEAN, MARATHON, FL 33050-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Warranty Deed, Transfer NOT AVAILABLE, ELITE TITLE
Nov 17, 2017	Warranty Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Prior Sale	Nov 17, 2017 · Amount on Record
Deed Document Number	2317776
Deed Book / Page	3094 / 2279
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 4, 2021
Property Address	396 25TH STREET OCEAN, MARATHON, FL 33050-2205
Document Number	0030942279
Book / Page	3094 / 2279
Map Reference	MB 2 PG 152
Instrument Date	Apr 30, 2021
Instrument	2317776
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	NOT AVAILABLE, ELITE TITLE

Transaction

Amount	Amount Recorded
Tax	$3,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	396 25TH STREET OCEAN, MARATHON, FL 33050-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8480 E COOLIDGE ST, SCOTTSDALE, AZ 85251-1804

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 17, 2017
Property Address	396 25TH STREET OCEAN, MARATHON, FL 33050-2205
Document Number	0028791951
Book / Page	002879 / 001951
Instrument Date	Nov 6, 2017
Instrument	2144182
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,073.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	396 25TH STREET OCEAN MARATHON FL 33050, MARATHON, FL 33050

Mortgage

Document Number	28791956
Date	Nov 17, 2017
Book Page	002879/001956
Instrument	2144184

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2047

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		$583,393 (+5.99%)	$615,577 (-4.37%) Land $286,504 Building $329,073
2024	$5,364.00 (+1.84%)
2023	$5,267.00 (+1.52%) Homeowner's exemption	$550,439 (+3%)	$643,691 (+20.45%) Land $346,932 Building $296,759
2022	$5,188.00 Homeowner's exemption	$534,407 Land $250,247 Building $284,160	$534,407 Land $250,247 Building $284,160

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

Flood

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 Record median of 320 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	439 units insured incl. 119 condo units
Nearby Flood Claims	296 (1979–2024)
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 109 claims Hurricane Wilma, Oct 2005 · 98 claims Hurricane Georges, Sep 1998 · 59 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

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 297 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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