Monroe County property record for 428 Harbour Dr, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,759 sqft · built 1980 |
| Lot Size | 0.579 acres (25,233 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,200,000 (Dec 2008) |
| Tax Bill | $17,986 (2024) |
| Flood Zone | Zone VE (high risk) |
| APN | 00376951-001400 |
| Primary APN | 00376951-001400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,759 sqft Living Area |
| 1st Floor Area | 1,759 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Concrete |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 25,233 sqft (0.579 acres) |
| Garage Area | 928 sqft |
| Pool Area | 128 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 1,264 sqft |
| Deck Area | 1,059 sqft |
| Patio Area | 2,574 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1460150 |
|---|---|
| Street Address | 428 HARBOUR DR |
| City | MARATHON |
| State | FL |
| Zip | 33050-3802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 14 & 14A AMENDED PLAT HARBOUR ISLAND DUCK KEY PB6-84 OR707-798/806 OR770-1019/1020 OR825-84Q/C OR1327-1529 OR1487-2426 |
| Legal Range | 34E |
| Legal Township | 65S |
| Legal Section | 20 |
| Legal Subdivision | HARBOUR ISLAND AMD |
| Legal Lot Number | 14A |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 971002 |
428 Harbour Dr is owned by an individual who bought it in December 2008.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 6052 FAIRMOUNT RD, NEWARK, OH 43056-8221 |
| 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 | Dec 3, 2008 · Amount on File |
| Deed Sale | Dec 3, 2008 · Amount on File |
| Prior Sale | Jul 26, 2000 · Amount on File |
| Deed Document Number | 1721525 |
| Deed Book / Page | 2390 / 1255 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $2,554,485 Land $2,107,972 Building $446,513 | $2,554,485 Land $2,107,972 Building $446,513 | |
| 2024 | $17,986.00 (+0.77%) | ||
| 2023 | $17,849.00 (+25.08%) | $2,809,275 (+50.87%) Land $2,412,144 Building $397,131 | $2,809,275 (+50.87%) Land $2,412,144 Building $397,131 |
| 2022 | $14,270.00 | $1,862,063 Land $1,488,406 Building $373,657 | $1,862,063 Land $1,488,406 Building $373,657 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Harbour Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 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 428 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 |
5G (outdoors only) and 4G LTE
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