Monroe County property record for 864 Copa D Oro, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 6 ba · 6,831 sqft · built 1981 |
| Lot Size | 0.476 acres (20,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,500,000 (Mar 2020) |
| Tax Bill | $28,075 (2024) |
| Deeds & Mortgages | Jun 2022 Line of Credit Mar 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00355700-000000 |
| Primary APN | 00355700-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 2 Stories |
| Building Area | 6,831 sqft Living Area |
| Gross Area | 7,791 sqft |
| 1st Floor Area | 2,888 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 20,750 sqft (0.476 acres) |
| Garage Type | Attached |
| Garage Area | 960 sqft |
| Pool Area | 384 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 2,152 sqft |
| Patio Area | 5,194 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1437387 |
|---|---|
| Street Address | 864 COPA D ORO |
| City | MARATHON |
| State | FL |
| Zip | 33050-2403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 1 LTS 25 - 26 AMENDED PLAT OF FLAMINGO ISLAND ESTATES BOOT KEY PB5-121 OR513-1024 OR606-209 OR778-959 OR781-36 OR781-1834 OR852-1706 OR977-1809 OR1039-1042 OR1145-1512 OR2187-1005/06 OR2625-822 OR3014-2359 |
| Legal Range | 32E |
| Legal Township | 66S |
| Legal Section | 15 |
| Legal Subdivision | FLAMINGO ISLAND EST AMD PLAT |
| Legal Block | 1 |
| Legal Lot Number | 25-26 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 971200 |
864 Copa D Oro is owned and occupied by two individuals who bought it in March 2020.
Source: Monroe County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 864 COPA D ORO, MARATHON, FL 33050-2403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2022 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Mar 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage 1ST SOURCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on File |
| Deed Sale | Mar 20, 2020 · Amount on File |
| Prior Sale | Feb 16, 2006 · Amount on File |
| Deed Document Number | 20202260933 |
| Deed Book / Page | 3014 / 2359 |
| Prior Transfer Date | Apr 15, 2013 |
| Prior Transfer Doc | 0026250822 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 864 COPA D ORO, MARATHON, FL 33050-2403 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 864 COPA D ORO, MARATHON, FL 33050-2403 |
| Document Number | 0031781394 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 3178/1394 |
| Instrument | 2379155 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55415 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Dec 3, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Mar 20, 2020 |
| Property Address | 864 COPA D ORO, MARATHON, FL 33050-2403 |
| Document Number | 0030142359 |
| Book / Page | 3014 / 2359 |
| Map Reference | MB 5 PG 121 |
| Instrument Date | Mar 19, 2020 |
| Instrument | 2260933 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 172 WINDRIDGE RD, VALPARAISO, IN 46385-6053 |
| Document Number | 0030142372 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 3014/2372 |
| Name | 1ST SOURCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $3,073,180 | $3,260,699 Land $1,479,060 Building $1,781,639 | |
| 2024 | $28,075.00 (+0.89%) | ||
| 2023 | $27,828.00 (+1.31%) Homeowner's exemption | $2,896,453 (+3%) | $3,102,667 (+10.33%) Land $1,334,640 Building $1,768,027 |
| 2022 | $27,469.00 Homeowner's exemption | $2,812,091 Land $1,004,456 Building $1,807,635 | $2,812,091 Land $1,004,456 Building $1,807,635 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 864 Copa D Oro 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 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.
Wildfire risk around 864 Copa D Oro is low, with less than a 0.01% annual chance of wildfire.
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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