489 James Ave, Marathon, FL 33050 Property Records

Monroe County property record for 489 James Ave, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 2017
Lot Size	0.109 acres (4,749 sqft)
Owner	Individual Name on File
Last Sale	$599,000 (Apr 2022)
Tax Bill	$5,342 (2024)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00323580-000100`

Property Details

APN / Parcel Number

Primary APN	`00323580-000100`
Alternative APN	`9102993`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,008 sqft Living Area
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2020
Exterior Material	Plywood
Foundation Type	Pile
Roof Type	Gable
Roof Material	Metal
Lot Area	4,749 sqft (0.109 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	9102993
Street Address	489 JAMES AVE
City	MARATHON
State	FL
Zip	33050-4269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 8 LT 7 HARBOR ISLES SEC A KEY VACA PB5-79 OR444-892 OR2182-2416Q/C OR2237-1273QW/C OR2292-819 OR3169-1569
Legal Range	32E
Legal Township	66S
Legal Section	09
Legal Subdivision	HARBOR ISLE SEC A
Legal Block	8
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2017
Census Tract	971300

Owner

Source: Monroe County records · APN 00323580-000100

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1 CAHILL DR, CAPE NEDDICK, ME 03902-7996
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 25, 2022 · Amount on Record
Deed Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	2372335
Deed Book / Page	3169 / 1569
Record Updated	Jun 08, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 25, 2022
Property Address	489 JAMES AVE, MARATHON, FL 33050-4269
Document Number	0031691569
Book / Page	3169 / 1569
Map Reference	MB 5 PG 79
Instrument Date	Apr 21, 2022
Instrument	2372335
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	TRUE TITLE FLORIDA KEYS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,193.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	666 112TH STREET OCEAN, MARATHON, FL 33050-3419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CAHILL DR, CAPE NEDDICK, ME 03902-7996

Mortgage

Document Number	0031691571
Date	Apr 25, 2022
Instrument	3169/1571

Lender

Name	ENCOMPASS LENDING GROUP LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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		$507,331 (+0.38%) Land $165,835 Building $341,496	$507,331 (+0.38%) Land $165,835 Building $341,496
2024	$5,342.00 (+1.95%)
2023	$5,240.00 (+36.49%)	$505,391 (+27.98%) Land $213,052 Building $292,339	$505,391 (+27.98%) Land $213,052 Building $292,339
2022	$3,839.00	$394,896 Land $146,257 Building $248,639	$394,896 Land $146,257 Building $248,639

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 320 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	439 units insured incl. 119 condo units
Nearby Flood Claims	296 (1979–2024)
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 109 claims Hurricane Wilma, Oct 2005 · 98 claims Hurricane Georges, Sep 1998 · 59 claims

Wildfire

Wildfire Risk	Not rated no burnable land within 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 297 locations within half a mile of this property.

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