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822 97th St Ocean, Marathon, FL 33050 Property Records

Monroe County property record for 822 97th St Ocean, Marathon, FL 33050

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,624 sqft · built 1968
Lot Size0.153 acres (6,675 sqft)
OwnerCompany Name on Record
Last Sale$880,000 (Aug 2025)
Tax Bill$2,658 (2025)
Deeds & MortgagesJul 2026 Mortgage
Flood ZoneZone AE (high risk)
APN00351820-000000

Property Details

APN / Parcel Number

Primary APN00351820-000000
Alternative APNs
  • 06663300351820000000
  • 1429520

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,624 sqft Living Area
1st Floor Area1,624 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 2003
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeConcrete
Roof TypeGable
Roof MaterialMetal
Lot Area6,675 sqft (0.153 acres)
Lot Dimensions89 ft deep x 75 ft wide
View / LotCanal
Garage TypeCovered
Garage Area312 sqft

Exterior Amenities

PorchFlorida Room
Porch Area324 sqft
Deck Area1,152 sqft
Patio Area180 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1429520
Street Address822 97TH STREET OCEAN
CityMARATHON
StateFL
Zip33050-3316
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLT 20 OVERSEAS ESTATES KEY VACA OR456-66/67 UNR D/C ON FILE OR1189-1239R/S OR1189-1239 OR1197-2341 OR1276-2478 OR1284-932/5MT OR1343-1274
Legal Range33E
Legal Township66S
Legal Section06
Legal SubdivisionOVERSEAS ESTATES
Legal Lot Number20
JurisdictionMONROE FL
Township / Civil DivisionMIDDLE KEYS
Census Block Group1
Census Block1010
Census Tract971100

Owner

Source: Monroe County records, as of July 28, 2026

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

Owner of RecordCompany Name on Record
Mailing Address822 97TH STREET OCEAN, MARATHON, FL 33050-3316
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 15, 2025 · Amount on Record
Deed SaleAug 15, 2025 · Amount on Record
Prior SaleMar 1, 1995 · Amount on Record
Deed Document Number20252512044
Deed Book / Page3340 / 1670
Prior Transfer DateOct 12, 1993
Prior Transfer Doc1276002478
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE FL
Recording DateJul 21, 2026
Property Address822 97TH STREET OCEAN, MARATHON, FL 33050-3316
Document Number0002552558
Book / Page3393 / 24
Instrument DateJul 10, 2026
Instrument20262552558
Transaction TypeMortgage
Record UpdatedJul 28, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address822 97TH STREET OCEAN, MARATHON, FL 33050-3316

Mortgage

Document Number0002552558,
DateJul 21, 2026
Book Page3393/24
Instrument20262552558
Lender
NameCITIZENS TRUST COMPANY
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
Interest
Rate TypeAdjustable Rate
Rate6.52%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
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$2,658.00 (-2.21%)$278,973 (+5.99%)$1,022,882 (-4.75%) Land $750,637 Building $272,245
2024$2,718.00 (+3.9%)
2023$2,616.00 (-9.14%) Homeowner's exemption$263,215 (+3%)$1,073,906 (+31.23%) Land $817,688 Building $256,218
2022$2,879.00 Homeowner's exemption$255,549$818,320 Land $595,277 Building $223,043

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 Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 569 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies748 units insured
incl. 179 condo units
Nearby Flood Claims1,492 (1978–2024)
Most Recent ClaimSep 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 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 198 locations within half a mile, as of December 31, 2025

ProviderMax 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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