Monroe County property record for 401 Harbour Dr, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,562 sqft · built 2000 |
| Lot Size | 0.641 acres (27,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,502,000 (Feb 2012) |
| Tax Bill | $28,264 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00376951-004000 |
| Primary APN | 00376951-004000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 2,562 sqft Living Area |
| 1st Floor Area | 2,562 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wood |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 27,928 sqft (0.641 acres) |
| View / Lot | Waterfront |
| Garage Type | Covered |
| Garage Area | 1,701 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,702 sqft |
| Patio Area | 3,296 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1460419 |
|---|---|
| Street Address | 401 HARBOUR DR |
| City | MARATHON |
| State | FL |
| Zip | 33050-3801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | LTS 38 & 38A AMENDED PLAT HARBOUR ISLAND DUCK KEY PB6-84 OR707-798/806 OR757-641 OR1421-23 OR1684-1594 OR2160-1579/81 OR2557-796/97 OR2567-614/15C |
| Legal Range | 34E |
| Legal Township | 65S |
| Legal Section | 20 |
| Legal Subdivision | HARBOUR ISLAND AMD |
| Legal Lot Number | 38 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 971002 |
401 Harbour Dr is owned by two individuals who bought it in February 2012.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 638 MIDDLE RIVER DR, FORT LAUDERDALE, FL 33304-3575 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2012 · Amount on File |
| Deed Sale | Feb 27, 2012 · Amount on File |
| Prior Sale | Mar 23, 2001 · Amount on File |
| Deed Document Number | 20121871958 |
| Deed Book / Page | 2557 / 796 |
| Prior Transfer Date | Aug 17, 2005 |
| Prior Transfer Doc | 0021601579 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,068,183 (-0.09%) Land $3,404,588 Building $663,595 | $4,068,183 (-0.09%) Land $3,404,588 Building $663,595 | |
| 2024 | $28,264.00 (-0.12%) | $4,071,671 (-10.77%) Land $3,415,899 Building $655,772 | $4,071,671 (-10.77%) Land $3,415,899 Building $655,772 |
| 2023 | $28,298.00 (+24.24%) | $4,563,366 (+48.59%) Land $3,920,767 Building $642,599 | $4,563,366 (+48.59%) Land $3,920,767 Building $642,599 |
| 2022 | $22,776.00 | $3,071,032 Land $2,419,288 Building $651,744 | $3,071,032 Land $2,419,288 Building $651,744 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Harbour Dr 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 484 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 530 units insured incl. 46 condo units |
| Nearby Flood Claims | 316 (1995–2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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 401 Harbour Dr 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 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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