Monroe County property record for 480 109th Street Ocean, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,824 sqft · built 1951 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (May 1995) |
| Tax Bill | $5,406 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 00343740-000000 |
| Primary APN | 00343740-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 1,824 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | 60 sqft |
| Patio Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1421677 |
|---|---|
| Street Address | 480 109TH STREET OCEAN |
| City | MARATHON |
| State | FL |
| Zip | 33050-3439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | BK B LT 19 S MARATHON SHORES PB2-140 KEY VACCAS OR620-74 OR789-1185 OR1353-1136 |
| Legal Range | 33E |
| Legal Township | 66S |
| Legal Section | 06 |
| Legal Subdivision | SOUTH MARATHON SHORES |
| Legal Block | B |
| Legal Lot Number | 19 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 971100 |
480 109th Street Ocean is owned by two individuals who bought it in May 1995.
Source: Monroe County records, as of June 19, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 611 29TH STREET OCEAN, MARATHON, FL 33050-4244 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 1995 · Amount on File |
| Deed Sale | May 16, 1995 · Amount on File |
| Prior Sale | May 1, 1979 · Amount on File |
| Deed Book / Page | 1353 / 1136 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 480 109th Street Ocean was $5,406, up 190.6% from the year before.
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Marathon City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,406.00 (+190.65%) | $557,633 Land $258,000 Building $299,633 | $557,633 Land $258,000 Building $299,633 |
| 2024 | $1,860.00 (+5.86%) | ||
| 2023 | $1,757.00 (-13.45%) Homeowner's exemption | $170,104 (+3%) | $547,743 (+11.75%) Land $258,000 Building $289,743 |
| 2022 | $2,030.00 Homeowner's exemption | $165,150 | $490,136 Land $186,000 Building $304,136 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 480 109th Street Ocean 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 | 8.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 569 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 748 units insured incl. 179 condo units |
| Nearby Flood Claims | 1,492 (1978–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 480 109th Street Ocean 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 119 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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