831 104th St Ocean E, Marathon, FL 33050 Property Records

Monroe County property record for 831 104th St Ocean E, Marathon, FL 33050 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,800 sqft · built 2018
Lot Size	0.251 acres (10,934 sqft)
Owner	2 Individual Names on File
Last Sale	$2,307,000 (Oct 2025)
Tax Bill	$12,921 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2017 Construction Loan + 4 more
Flood Zone	Zone AE (high risk)
APN	`00104441-000700`

Property Details

APN / Parcel Number

Primary APN	`00104441-000700`
Alternative APN	`9088493`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	1,800 sqft Living Area
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Hip
Roof Material	Metal
Lot Area	10,934 sqft (0.251 acres)
Garage Type	Covered
Garage Area	660 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	9088493
Street Address	831 104TH STREET OCEAN E
City	MARATHON
State	FL
Zip	33050-3570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLY 103 FT LT 7 AND 7A LAPALMA OF THE FLORIDA KEYS PB7-77 OR2315-930/935(DEC/REST) OR2373-2444/51 OR2530-376/81C/T OR2576-357 OR2600-633/34 OR2600-635/36 OR2856-2076/77 OR2868-2116/19 OR3196-2132
Legal Range	33E
Legal Township	66S
Legal Section	06
Legal Subdivision	LAPALMA OF THE FLORIDA KEYS
Legal Lot Number	7
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1007
Census Tract	971100

Owner

Source: Monroe County records · APN 00104441-000700

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2006 DUNE CIR, NEW SMYRNA BEACH, FL 32169-2022
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Jul 12, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Oct 06, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 05, 2018	Loan Modification, Mortgage CENTENNIAL BK
May 31, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Prior Sale	Oct 06, 2022 · Amount on Record
Deed Document Number	20252519923
Deed Book / Page	3350 / 2067
Prior Transfer Date	May 29, 2020
Prior Transfer Doc	0031962132
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	831 104TH STREET OCEAN E, MARATHON, FL 33050-3570
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2006 DUNE CIR, NEW SMYRNA BEACH, FL 32169-2022

Mortgage

Document Number	0033502069
Date	Oct 24, 2025
Book Page	3350/2069
Instrument	2519924

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	831 104TH STREET OCEAN E, MARATHON, FL 33050-3570
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028640540
Date	Jul 12, 2017
Book Page	2864/0540
Instrument	2130994

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%
Type Change Date	Jul 01, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	10.2%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	831 104TH STREET OCEAN E, MARATHON, FL 33050-3570
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0030241477
Date	May 29, 2020
Book Page	3024/1477
Instrument	2267594

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE FL
Recording Date	Oct 06, 2022
Property Address	831 104TH ST, MARATHON, FL 33050
Document Number	0031962132
Book / Page	3196 / 2132
Map Reference	MB 7 PG 77
Instrument Date	May 29, 2020
Instrument	2393698
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	1112 LOMA LARGA RD, CORRALES, NM 87048-9431

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	1112 LOMA LARGA RD, CORRALES, NM 87048-9431

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE FL
Property Address	831 104TH STREET OCEAN E, MARATHON, FL 33050-3570
Document Number	0029180449
Instrument Date	Jul 05, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	831 104TH STREET OCEAN E MARATHON FL 33050, MARATHON, FL 33050

Mortgage

Document Number	0029180449
Date	Jul 23, 2018
Book Page	002918/000449
Instrument	2179097

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2048

Interest

Rate	4.75%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	May 31, 2017
Property Address	831 104TH STREET OCEAN E, MARATHON, FL 33050-3570
Document Number	0028562076
Book / Page	002856 / 002076
Instrument Date	May 01, 2017
Instrument	2125138
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	17091 SW 156TH CT MIAMI FL 331877782, MIAMI, FL 33187-7782

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated December 8, 2025 · Last verified April 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,404,732 (+9.49%) Land $1,268,295 Building $1,136,437	$2,404,732 (+9.49%) Land $1,268,295 Building $1,136,437
2024	$12,921.00 (+4.58%)
2023	$12,355.00 (+46.33%)	$2,196,240 (+126.09%) Land $1,108,902 Building $1,087,338	$2,196,240 (+126.09%) Land $1,108,902 Building $1,087,338
2022	$8,443.00	$971,408 Land $411,343 Building $560,065	$971,408 Land $411,343 Building $560,065

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (12087C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120879711001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 569 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	748 units insured 179 under condo master policies
Nearby Flood Claims	1,492 (1978–2024)
Most Recent Claim	Sep 2024, rainfall accumulation, Hurricane Helene
Claims By Storm	Hurricane Irma, Sep 2017 · 472 claims Hurricane Wilma, Oct 2005 · 269 claims Hurricane Georges, Oct 1998 · 605 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 119 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on 104th St Ocean E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures