Monroe County property record for 857 Copa D Oro, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,396 sqft · built 2004 |
| Lot Size | 0.279 acres (12,172 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Nov 2003) |
| Tax Bill | $5,390 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2021 Line of Credit + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 00356790-000000 |
| Primary APN | 00356790-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,396 sqft Living Area |
| Gross Area | 2,776 sqft |
| 1st Floor Area | 2,396 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 12,172 sqft (0.279 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Pool Area | 375 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Deck Area | 1,125 sqft |
| Patio Area | 132 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 1438472 |
|---|---|
| Street Address | 857 COPA D ORO |
| City | MARATHON |
| State | FL |
| Zip | 33050-2402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 3 LTS 4 & 5 AMENDED PLAT OF FLAMINGO ISLAND ESTATES BOOT KEY PB5-121 OR482-484 OR555-210 OR826-110 OR900-703 OR1089-1710 OR1089-1714 OR1159-2196 OR1836-590 OR1836-598 OR1949-1379 |
| Legal Range | 32E |
| Legal Township | 66S |
| Legal Section | 15 |
| Legal Subdivision | FLAMINGO ISLAND EST AMD PLAT |
| Legal Block | 3 |
| Legal Lot Number | 4,5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 971200 |
Source: Monroe County records, as of August 5, 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 Record |
|---|---|
| Mailing Address | 857 COPA D ORO, MARATHON, FL 33050-2402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK |
| Jun 15, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK |
| Jan 5, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CAPITAL BANK CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2003 · Amount on Record |
| Deed Sale | Nov 10, 2003 · Amount on Record |
| Prior Sale | Nov 27, 2002 · Amount on Record |
| Deed Document Number | 20031407894 |
| Deed Book / Page | 1949 / 1379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 29, 2026 |
| Property Address | 857 COPA D ORO, MARATHON, FL 33050-2402 |
| Document Number | 0002553727 |
| Book / Page | 3394 / 1245 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 20262553727 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 857 COPA D ORO, MARATHON, FL 33050-2402 |
| Document Number | 0002553727, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 3394/1245 |
| Instrument | 20262553727 |
| Name | FIRST STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 857 COPA D ORO, MARATHON, FL 33050-2402 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 857 COPA D, MARATHON, FL 33050 |
| Document Number | 0031051941 |
|---|---|
| Date | Jun 15, 2021 |
| Book Page | 3105/1941 |
| Instrument | 2325364 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 857 COPA D ORO, MARATHON, FL 33050-2402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0028860543 |
|---|---|
| Date | Jan 5, 2018 |
| Book Page | 2886/0543 |
| Instrument | 2150138 |
| Name | CAPITAL BANK CORPORATION |
|---|---|
| Type | Bank |
| Address | MIAMI, FL 33134 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Marathon City |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,390.00 (-1.48%) Homeowner's exemption | $537,276 (+5.99%) | $918,243 (+2.69%) Land $578,413 Building $339,830 |
| 2024 | $5,471.00 (+1.82%) | ||
| 2023 | $5,373.00 (+1.38%) Homeowner's exemption | $506,928 (+3%) | $894,148 (+19.34%) Land $519,988 Building $374,160 |
| 2022 | $5,300.00 Homeowner's exemption | $492,164 | $749,230 Land $354,783 Building $394,447 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 741 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,105 units insured incl. 364 condo units |
| Nearby Flood Claims | 483 (1980–2024) |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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