Monroe County property record for 445 97th St Ocean, Marathon, FL 33050 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,288 sqft · built 1962 |
| Lot Size | 0.168 acres (7,328 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,464 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00351570-000000 |
| Primary APN | 00351570-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,328 sqft (0.168 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 250 sqft |
| Pool Type | Public / Commercial Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 73 sqft |
| Deck Area | 110 sqft |
| Patio Area | 487 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1429279 |
|---|---|
| Old Parcel Number | 06663300351570000000 |
| Street Address | 445 97TH STREET OCEAN |
| City | MARATHON |
| State | FL |
| Zip | 33050-3367 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 6 OVERSEAS ESTATES PB5-27 KEY VACA OR631-523 OR774-1751 OR917-1436Q/C OR1047-1477 OR1109-2257 OR1247-2499 |
| Legal Range | 33E |
| Legal Township | 66S |
| Legal Section | 06 |
| Legal Subdivision | OVERSEAS ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 971100 |
Source: Monroe County records · APN 00351570-000000
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 97TH STREET OCEAN, MARATHON, FL 33050-3367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 01, 2020 |
| Deed Sale | Apr 01, 2020 |
| Deed Document Number | 0015621991 |
| Deed Book / Page | 01562 / 01991 |
| Prior Transfer Date | Feb 26, 1999 |
| Prior Transfer Doc | 0156201991 |
| Record Updated | Jun 08, 2026 |
Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Marathon City |
| Unified School District | Monroe County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $254,911 (+2.9%) | $715,664 (-13.1%) Land $477,822 Building $237,842 | |
| 2024 | $2,464.00 (+4.36%) Senior Citizen's exemption | $247,727 (+3%) | $823,568 (+1.49%) Land $589,904 Building $233,664 |
| 2023 | $2,361.00 (+0.13%) Senior Citizen's exemption | $240,512 (+3%) | $811,438 (+92.37%) Land $589,904 Building $221,534 |
| 2022 | $2,358.00 Senior Citizen's exemption | $233,507 | $421,802 Land $241,018 Building $180,784 |
Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879711001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 569 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 748 units insured 179 under condo master policies |
| Nearby Flood Claims | 1,492 (1978–2024) |
| Most Recent Claim | Sep 2024, rainfall accumulation, Hurricane Helene |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 198 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: AT&T, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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