Monroe County property record for 978 Ocotillo Ln, Marathon, FL 33050
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,044 sqft · built 1981 |
| Lot Size | 0.208 acres (9,048 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $92,500 (Feb 1987) |
| Tax Bill | $2,460 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Jul 2025 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 00356880-000000 |
| Primary APN | 00356880-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,044 sqft Living Area |
| Gross Area | 2,383 sqft |
| 1st Floor Area | 1,895 sqft |
| Attic | Attic |
| Attic Area | 308 sqft |
| Flooring | Plywood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 9,048 sqft (0.208 acres) |
| Garage Type | Attached |
| Garage Area | 339 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 250 sqft |
| Deck Area | 44 sqft |
| Patio Area | 616 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1438561 |
|---|---|
| Street Address | 978 OCOTILLO LN |
| City | MARATHON |
| State | FL |
| Zip | 33050-5413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS-M |
| Legal Description | BK 3 LT 13 AMENDED PLAT OF FLAMINGO ISLAND ESTATES BOOT KEY PB5-121 OR626-7 OR782-1878 OR1003-95 OR1037-744/745Q/C OR1124-1559 |
| Legal Range | 32E |
| Legal Township | 66S |
| Legal Section | 15 |
| Legal Subdivision | FLAMINGO ISLAND EST AMD PLAT |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | MIDDLE KEYS |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 971200 |
Source: Monroe County records, as of March 6, 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 | 978 OCOTILLO LN, MARATHON, FL 33050-5413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Jul 10, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 1987 · Amount on Record |
| Deed Sale | Feb 1, 1987 · Amount on Record |
| Prior Sale | Feb 1, 1979 · Amount on Record |
| Deed Book / Page | 1003 / 95 |
| Last Transfer Date | Jul 9, 2025 |
| Transfer Doc | 0033341500 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 978 OCOTILLO LN, MARATHON, FL 33050-5413 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 978 OCOTILLO LN, MARATHON, FL 33050-5413 |
| Document Number | 0030841791 |
|---|---|
| Date | Mar 29, 2021 |
| Book Page | 3084/1791 |
| Instrument | 2310714 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Jul 10, 2025 |
| Property Address | 978 OCOTILLO LN, MARATHON, FL 33050-5413 |
| Document Number | 0033341500 |
| Book / Page | 3334 / 1500 |
| Map Reference | MB 5 PG 121 |
| Instrument Date | Jul 9, 2025 |
| Instrument | 2507354 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 978 OCOTILLO LN, MARATHON, FL 33050-5413 |
| Name | Verified Name |
|---|---|
| Address | 978 OCOTILLO LN, MARATHON, FL 33050-5413 |
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 | $249,292 (+5.99%) | $810,173 (+11.65%) Land $517,908 Building $292,265 | |
| 2024 | $2,460.00 (+4.33%) | ||
| 2023 | $2,358.00 (+1.9%) Homeowner's exemption | $235,211 (+3%) | $725,648 (+21.72%) Land $442,990 Building $282,658 |
| 2022 | $2,314.00 Homeowner's exemption | $228,361 | $596,183 Land $302,248 Building $293,935 |
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 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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