655 96th St Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 655 96th St Ocean, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,223 sqft · built 1957
Lot Size	0.147 acres (6,420 sqft)
Owner	2 Individual Names on File
Last Sale	$556,500 (Apr 2026)
Tax Bill	$2,237 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`00351340-000000`

Property Details

APN / Parcel Number

Primary APN	`00351340-000000`
Alternative APNs	`06663300351340000000` `1429058`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,223 sqft Living Area
1st Floor Area	1,223 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,420 sqft (0.147 acres)
Lot Dimensions	107 ft deep x 60 ft wide

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Florida Room
Porch Area	160 sqft
Deck Area	622 sqft
Patio Area	766 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1429058
Street Address	655 96TH STREET OCEAN
City	MARATHON
State	FL
Zip	33050-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS
Legal Description	LT 15 AMENDED PLAT SADOWSKI SUB KEY VACA PB3-77 OR34-200 OR953-323 OR1054-1208 OR1358-1196 OR1540-217 OR2608-2048/49 OR3115-1738
Legal Range	33E
Legal Township	66S
Legal Section	06
Legal Subdivision	SADOWSKI SUBD AMD
Legal Lot Number	15
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1010
Census Tract	971100

Owner

655 96th St Ocean is owned and occupied by two individuals who bought it in April 2026.

Source: Monroe County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Jul 28, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Prior Sale	Jan 14, 2013 · Amount on File
Deed Document Number	20262538291
Deed Book / Page	3374 / 751
Prior Transfer Date	Jul 28, 2021
Prior Transfer Doc	0031151738
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2026
Property Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353
Document Number	0033740751
Book / Page	3374 / 751
Instrument Date	Mar 30, 2026
Instrument	20262538291
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393,445.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353

Mortgage

Document Number	0002538292,
Date	Apr 6, 2026
Instrument	20262538292

Lender

Name	CENTENNIAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0002538293,
Date	Apr 6, 2026
Book Page	3374/766
Instrument	20262538293

Lender

Name	CITY OF CANTON

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	30 Months
Due	Apr 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2026
Property Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353
Document Number	0002538291
Book / Page	3374 / 751
Instrument Date	Mar 30, 2026
Instrument	20262538291
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393,445.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353

Mortgage

Document Number	0002538292,
Date	Apr 6, 2026
Instrument	20262538292

Lender

Name	CENTENNIAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0002538293,
Date	Apr 6, 2026
Book Page	3374/766
Instrument	20262538293

Lender

Name	CITY OF CANTON

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	30 Months
Due	Apr 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Apr 6, 2026
Property Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353
Document Number	0002538291
Book / Page	3374 / 751
Instrument Date	Mar 30, 2026
Instrument	20262538291
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393,445.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353

Mortgage

Document Number	0002538292,
Date	Apr 6, 2026
Instrument	20262538292

Lender

Name	CENTENNIAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0033740766,
Date	Apr 6, 2026
Book Page	3374/766
Instrument	20262538293

Lender

Name	CITY OF CANTON

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Max Rate	-1%

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Jul 28, 2021
Property Address	655 96TH STREET OCEAN, MARATHON, FL 33050-3353
Document Number	0031151738
Book / Page	3115 / 1738
Map Reference	MB 3 PG 77
Instrument Date	Jul 25, 2021
Instrument	2332363
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	655 96TH STREET OCEAN, 655, CONCH KEY, FL 33050-3353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1439 74TH STREET OCEAN, CONCH KEY, FL 33050-3180

Tax Assessment & Valuation

The 2025 property tax bill for 655 96th St Ocean was $2,237 with a homeowner's exemption, down 0.2% from the year before.

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	$2,237.00 (-0.18%) Homeowner's exemption	$224,153	$496,456 Land $288,900 Building $207,556
2024	$2,241.00 (+4.77%)
2023	$2,139.00 (+1.95%) Homeowner's exemption	$211,492 (+3%)	$462,477 (+24.53%) Land $272,850 Building $189,627
2022	$2,098.00 Homeowner's exemption	$205,333	$371,381 Land $216,675 Building $154,706

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

FEMA maps place 655 96th St 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	7.0 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	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

The area around 655 96th St 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.

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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