427 Harbour Dr, Marathon, FL 33050 Property Records

Monroe County property record for 427 Harbour Dr, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,458 sqft · built 2021
Lot Size	0.258 acres (11,250 sqft)
Owner	Trust Name on File
Last Sale	$4,650,000 (Mar 2023)
Tax Bill	$34,290 (2025)
Deeds & Mortgages	Mar 2023 Sale Mar 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`00376951-002700`

Property Details

APN / Parcel Number

Primary APN	`00376951-002700`
Alternative APNs	`20653400376951002700` `1460281`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,458 sqft Living Area
Gross Area	4,858 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,250 sqft (0.258 acres)
View / Lot	Bay
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	1460281
Street Address	427 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 25 & 25A AMENDED PLAT HARBOUR ISLAND DUCK KEY PB6-84 OR707-798/806 OR759-1686 OR761-1248/49 OR953-604 OR1065-553 OR1078-1065 OR1766-42/43 OR2123-1762/63 OR2958-572 OR3083-461 OR3173-1417CE OR3218-0887
Legal Range	34E
Legal Township	65S
Legal Section	20
Legal Subdivision	HARBOUR ISLAND AMD
Legal Lot Number	25
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2018
Census Tract	971002

Owner

427 Harbour Dr is held in a trust since March 2023.

Source: Monroe County records, as of May 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	13935 SW 252ND ST, HOMESTEAD, FL 33032-5405
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 22, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 10, 2019	Warranty Deed, Construction Loan · Construction Mortgage LONDON FINANCIAL CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Mar 22, 2021 · Amount on File
Deed Document Number	20232412312
Deed Book / Page	3218 / 887
Prior Transfer Date	Mar 17, 2021
Prior Transfer Doc	0030830461
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 31, 2023
Property Address	427 HARBOUR DR, MARATHON, FL 33050-3801
Document Number	0032180887
Book / Page	3218 / 887
Map Reference	MB 6 PG 84
Instrument Date	Mar 31, 2023
Instrument	2412312
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$32,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 ROSE HILL RD, BENTONIA, MS 39040-9212

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	13633 DEERING BAY DR APT 225, 225, CORAL GABLES, FL 33158-2814

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 22, 2021
Property Address	427 HARBOUR DR, MARATHON, FL 33050-3801
Document Number	0030830461
Book / Page	3083 / 461
Map Reference	MB 6 PG 84
Instrument Date	Mar 17, 2021
Instrument	2309614
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$22,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7480 SW 170TH TER, PALMETTO BAY, FL 33157-4887

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 HARBOUR DR, DUCK KEY, FL 33050-3801

April 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 10, 2019
Property Address	427 HARBOUR DR, DUCK KEY, FL 33050-3801
Document Number	0029580572
Book / Page	2958 / 0572
Map Reference	MB 6 PG 84
Instrument Date	Mar 28, 2019
Instrument	2214811
Transaction Type	Construction Loan
Record Updated	Jul 29, 2022
Title Company	P & P TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$5,355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1107, ALPHARETTA, GA 30009-1107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7480 SW 170TH TER, PALMETTO BAY, FL 33157-4887

Mortgage

Document Number	0029580574
Date	Apr 10, 2019
Instrument	2958-0574

Lender

Name	LONDON FINANCIAL CO LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 427 Harbour Dr was $34,290, down 1.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$34,290.00 (-1.55%)	$3,817,609 Land $2,133,341 Building $1,684,268	$3,817,609 Land $2,133,341 Building $1,684,268
2024	$34,829.00 (+1.87%)
2023	$34,191.00 (+23.12%)	$3,731,949 (+22.36%) Land $2,412,116 Building $1,319,833	$3,731,949 (+22.36%) Land $2,412,116 Building $1,319,833
2022	$27,770.00 Homeowner's exemption	$3,050,016 Land $1,488,378 Building $1,561,638	$3,050,016 Land $1,488,378 Building $1,561,638

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

Flood

FEMA maps place 427 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	Hurricane Irma, Sep 2017 · 198 claims Hurricane Wilma, Oct 2005 · 51 claims Hurricane Georges, Sep 1998 · 55 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 427 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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