549 95th St Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 549 95th St Ocean, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,779 sqft · built 1973
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Jan 2024)
Tax Bill	$6,964 (2024)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00350860-000000`

Property Details

APN / Parcel Number

Primary APN	`00350860-000000`
Alternative APNs	`01663200350860000000` `1428582`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,779 sqft Living Area
1st Floor Area	1,779 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	70 ft deep x 150 ft wide
Porch	Unfinished Open Porch
Porch Area	318 sqft
Patio Area	99 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1428582
Street Address	549 95TH STREET OCEAN
City	MARATHON
State	FL
Zip	33050-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LOTS 9, 10 AND N 1/2 LT 11 BUTTONWOOD ACRES PB4-160 KEY VACA OR563-367 OR567-658 OR722-315 OR766-61 OR795-1621 OR810-404 OR1057-1587 OR1059-496/C OR1201-2097 OR1305-2139AFF OR1305-2140 OR1498-514 OR1547-846 OR2367-1123/26 OR3175-0652 OR3186-1418 OR32
Legal Range	32E
Legal Township	66S
Legal Section	01
Legal Subdivision	BUTTONWOODS ACRES
Legal Lot Number	9-11
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1010
Census Tract	971100

Owner

Source: Monroe County records, as of December 8, 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	108 SABLE ISLE CT, SANFORD, FL 32773-7427
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Warranty Deed, Transfer · Conventional Mortgage ELITE LENDING LLC
Sep 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF THE FLORIDA KEYS
Jul 28, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 20, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2024 · Amount on Record
Deed Sale	Jan 30, 2024 · Amount on Record
Prior Sale	May 20, 2022 · Amount on Record
Deed Document Number	20242449436
Deed Book / Page	3260 / 934
Prior Transfer Date	May 22, 2008
Prior Transfer Doc	0023671123
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Jan 30, 2024
Property Address	549 95TH STREET OCEAN, MARATHON, FL 33050-3313
Document Number	0032600934
Book / Page	3260 / 934
Map Reference	MB 4 PG 160
Instrument Date	Jan 29, 2024
Instrument	2449436
Transaction Type	Transfer
Record Updated	Feb 29, 2024

Transaction

Amount	Amount Recorded
Tax	$5,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12690 OVERSEAS HWY APT 34, 34, MARATHON, FL 33050-3557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SABLE ISLE CT, SANFORD, FL 32773-7427

Mortgage

Document Number	0002449437
Date	Jan 30, 2024
Instrument	2449437

Lender

Name	ELITE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Mortgage

Document Number	0032600936
Date	Jan 30, 2024
Book Page	3260/936
Instrument	2449437

Lender

Name	ELITE LENDING LLC
Address	2750 SW 145TH AVE STE 403, MIRAMAR, FL 33027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	549 95TH STREET OCEAN, MARATHON, FL 33050-3313
Transaction Type	Mortgage
Record Updated	Oct 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12690 OVERSEAS HWY 34, 34, MARATHON, FL 33050-3557

Mortgage

Document Number	0031931054
Date	Sep 8, 2022
Book Page	3193/1054
Instrument	2390788

Lender

Name	FIRST STATE BANK OF THE FLORIDA KEYS
Type	Bank
Address	KEY WEST, FL 33040

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.2%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jul 28, 2022
Property Address	549 95TH STREET OCEAN, MARATHON, FL 33050-3313
Document Number	0031861418
Book / Page	3186 / 1418
Map Reference	MB 4 PG 160
Instrument Date	Jul 27, 2022
Instrument	2385536
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	549 95TH STREET OCEAN, 549, MARATHON, FL 33050-3313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12690 OVERSEAS HWY APT 34, 34, MARATHON, FL 33050-3557

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 20, 2022
Property Address	549 95TH STREET OCEAN, MARATHON, FL 33050-3313
Document Number	0031750652
Book / Page	3175 / 652
Map Reference	MB 4 PG 160
Instrument Date	May 18, 2022
Instrument	2376706
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12690 OVERSEAS HWY APT 34, 12690, MARATHON, FL 33050-3557

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 95TH STREET OCEAN, MARATHON, FL 33050-3313

Mortgage

Document Number	0003175654
Date	May 20, 2022
Instrument	3175/654

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 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		$636,021 (-8.91%) Land $354,375 Building $281,646	$636,021 (-8.91%) Land $354,375 Building $281,646
2024	$6,964.00 (-0.78%)
2023	$7,019.00 (+23.29%)	$698,209 (+13.19%) Land $334,688 Building $363,521	$698,209 (+13.19%) Land $334,688 Building $363,521
2022	$5,693.00	$616,842 Land $265,781 Building $351,061	$616,842 Land $265,781 Building $351,061

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	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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	Hurricane Irma, Sep 2017 · 472 claims Hurricane Wilma, Oct 2005 · 269 claims Hurricane Georges, Oct 1998 · 605 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Hotwire Communications.

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