497 James Ave, Marathon, FL 33050 Property Records

Monroe County property record for 497 James Ave, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2015
Lot Size	0.1 acres (4,361 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Apr 2019)
Tax Bill	$4,483 (2024)
Deeds & Mortgages	Oct 2023 Transfer Apr 2019 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00323550-000000`

Property Details

APN / Parcel Number

Primary APN	`00323550-000000`
Alternative APNs	`09663200323550000000` `1397750`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Pile
Roof Type	Gable
Roof Material	Metal
Lot Area	4,361 sqft (0.1 acres)
Garage Type	Carport
Carport	Carport
Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1397750
Old Parcel Number	09663200323550000000
Street Address	497 JAMES AVE
City	MARATHON
State	FL
Zip	33050-4269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 8 LT 4 HARBOR ISLES SEC A PB5-79 KEY VACA OR746-254 OR746-259D/C OR746-260AFF OR773-1802 OR1036-2192 OR1154-774L/E
Legal Range	32E
Legal Township	66S
Legal Section	09
Legal Subdivision	HARBOR ISLE SEC A
Legal Block	8
Legal Lot Number	4
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	2
Census Block	2017
Census Tract	971300

Owner

Source: Monroe County records, as of December 5, 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 Record
Mailing Address	497 JAMES AVE, MARATHON, FL 33050-4269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 15, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Sep 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage JOHN C & ELIZABETH P KAGAN
Jul 31, 2017	Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2019 · Amount on Record
Deed Sale	Apr 15, 2019 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	0029590327
Deed Book / Page	002959 / 000327
Last Transfer Date	Oct 11, 2023
Transfer Doc	0032460818
Record Updated	Jun 8, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Oct 11, 2023
Property Address	497 JAMES AVE, MARATHON, FL 33050-4269
Document Number	0032460818
Book / Page	3246 / 818
Map Reference	MB A PG 79
Instrument Date	Oct 2, 2023
Instrument	2435463
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	497 JAMES AVE, MARATHON, FL 33050-4269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 JAMES AVE, MARATHON, FL 33050-4269

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 15, 2019
Property Address	497 JAMES AVE, MARATHON, FL 33050-4269
Document Number	0029590327
Book / Page	002959 / 000327
Instrument Date	Apr 1, 2019
Instrument	2215605
Transaction Type	Transfer
Record Updated	May 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 JAMES AVE MARATHON FL 330504269, MARATHON, FL 33050-4269

Mortgage

Document Number	29590329
Date	Apr 15, 2019
Book Page	002959/000329
Instrument	2215606

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	497 JAMES AVE, MARATHON, FL 33050-4269
Document Number	0029300760
Instrument Date	Sep 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	497 JAMES AVE MARATHON FL 330504269, MARATHON, FL 33050-4269

Mortgage

Document Number	0029300760
Date	Oct 4, 2018
Book Page	002930/000760
Instrument	2189358

Lender

Name	JOHN C & ELIZABETH P KAGAN
Address	6981 LAKE DEVONWOOD DR, FORT MYERS, FL 33908-7205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jul 31, 2017
Property Address	497 JAMES AVE, MARATHON, FL 33050-4269
Document Number	0028661575
Book / Page	2866 / 1575
Map Reference	MB5 PG79
Instrument Date	Jul 28, 2017
Instrument	2133164
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	497 JAMES AVE, 497, MARATHON, FL 33050-4269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	773 51ST STREET GULF, MARATHON, FL 33050-2611

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$497,451 (+11.1%)	$576,106 (+4.93%) Land $158,566 Building $417,540
2024	$4,483.00 (+13.84%)
2023	$3,938.00 (+6.78%) Homeowner's exemption	$447,770 (+12.03%)	$549,045 (+18.59%) Land $203,713 Building $345,332
2022	$3,688.00 Homeowner's exemption	$399,685	$462,966 Land $139,846 Building $323,120

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	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

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 297 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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