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496 James Ave, Marathon, FL 33050 Property Records

Monroe County property record for 496 James Ave, Marathon, FL 33050

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,200 sqft · built 2006
Lot Size0.109 acres (4,730 sqft)
Owner2 Individual Names on Record
Last Sale$540,000 (Sep 2026)
Tax Bill$2,413 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN00323540-000000

Property Details

APN / Parcel Number

Primary APN00323540-000000
Alternative APNs
  • 09663200323540000000
  • 1397741

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,200 sqft Living Area
1st Floor Area1,200 sqft
FlooringPlywood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2013
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area4,730 sqft (0.109 acres)
Garage TypeCovered
Garage Area1,390 sqft
PorchOpen Porch
Porch Area190 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number1397741
Street Address496 JAMES AVE
CityMARATHON
StateFL
Zip33050-4268
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeURM
Legal DescriptionBK 8 LT 3 HARBOR ISLES SEC A PB5-79 KEY VACCA OR411-876 OR743-684 OR817-1862 OR883-1152 OR933-1464/ 65 OR933-1466/67 OR933-1468 OR1247-1376D/C OR1256-153/85WILL OR1309-167/70P/R OR1463-255/56 OR1962-1593AFF OR2114-873 OR2114-874 OR2871-723/24
Legal Range32E
Legal Township66S
Legal Section09
Legal SubdivisionHARBOR ISLE SEC A
Legal Block8
Legal Lot Number3
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group2
Census Block2017
Census Tract971300

Owner

Source: Monroe County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address496 JAMES AVE, MARATHON, FL 33050-4268
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2026 · Amount on Record
Deed SaleSep 2, 2026 · Amount on Record
Prior SaleMay 17, 2005 · Amount on Record
Deed Document Number20262559292
Deed Book / Page3400 / 2130
Prior Transfer DateFeb 27, 2025
Prior Transfer Doc0033132343
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateSep 2, 2026
Property Address496 JAMES AVE, MARATHON, FL 33050-4268
Document Number0002559292
Book / Page3400 / 2130
Instrument DateAug 26, 2026
Instrument20262559292
Transaction TypeTransfer
Record UpdatedSep 14, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$381,780.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address496 JAMES AVE, MARATHON, FL 33050-4268

Mortgage

Document Number0002559293,
DateSep 2, 2026
Instrument20262559293
Lender
NameFIRST HORIZON BANK
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Max Rate-1%

Mortgage

Document Number0002559294,
DateSep 2, 2026
Book Page3400/2147
Instrument20262559294
Lender
NameHOUSING FINANCE CORPORATION FLORIDA
Agreement
AmountAmount Recorded
Interest
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityMarathon City
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,413.00 (+0.5%)$278,828 (+5.99%)$478,153 (-1.39%) Land $165,172 Building $312,981
2024$2,401.00 (+5.03%)
2023$2,286.00 (+0.4%)$263,078 (+3%)$484,887 (+19.93%) Land $212,200 Building $272,687
2022$2,277.00$255,416$404,297 Land $145,672 Building $258,625

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 320 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies439 units insured
incl. 119 condo units
Nearby Flood Claims296 (1979–2024)
Most Recent ClaimMay 2024 · rainfall accumulation
Claims by Event
  • Hurricane Irma, Sep 2017 · 109 claims
  • Hurricane Wilma, Oct 2005 · 98 claims
  • Hurricane Georges, Sep 1998 · 59 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 297 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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