981 Ocotillo Ln, Marathon, FL 33050 Property Records

Monroe County property record for 981 Ocotillo Ln, Marathon, FL 33050

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,782 sqft · built 1990
Lot Size	0.213 acres (9,285 sqft)
Owner	Company Name on Record
Last Sale	$540,400 (Oct 2025)
Tax Bill	$13,252 (2024)
Deeds & Mortgages	Oct 2025 Sale Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`00355890-000000`

Property Details

APN / Parcel Number

Primary APN	`00355890-000000`
Alternative APNs	`15663200355890000000` `1437573`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,782 sqft Living Area
1st Floor Area	1,782 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2010
Exterior Material	Other
Construction Type	Concrete
Foundation Type	Pile
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,285 sqft (0.213 acres)
Garage Area	630 sqft

Exterior Amenities

Pool Type	Public / Commercial Pool
Porch	Open Porch
Porch Area	798 sqft
Patio Area	1,926 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	1437573
Old Parcel Number	15663200355890000000
Street Address	981 OCOTILLO LN
City	MARATHON
State	FL
Zip	33050-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BK 1 LT 45 AMENDED PLAT OF FLAMINGO ISLAND ESTATES BOOT KEY PB5-121 OR483-919 OR543-562 OR776-553 OR800-555 OR968-601
Legal Range	32E
Legal Township	66S
Legal Section	15
Legal Subdivision	FLAMINGO ISLAND EST AMD PLAT
Legal Block	1
Legal Lot Number	45
Jurisdiction	MONROE FL
Township / Civil Division	MIDDLE KEYS
Census Block Group	1
Census Block	1043
Census Tract	971200

Owner

Source: Monroe County records, as of December 5, 2025

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

Owner of Record	Company Name on Record
Mailing Address	4716 NORTHSIDE DR, ATLANTA, GA 30327-4552
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Dec 20, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Nov 8, 2019	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2025 · Amount on Record
Deed Sale	Oct 1, 2025 · Amount on Record
Prior Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	2517328
Deed Book / Page	3347 / 1218
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Oct 1, 2025
Property Address	981 OCOTILLO LN, MARATHON, FL 33050-2414
Document Number	0033471218
Book / Page	3347 / 1218
Map Reference	MB 5 PG 121
Instrument Date	Aug 31, 2025
Instrument	2517328
Transaction Type	Transfer
Record Updated	Oct 22, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$3,782.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4716 NORTHSIDE DR, ATLANTA, GA 30327-4552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4716 NORTHSIDE DR, ATLANTA, GA 30327-4552

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 20, 2022
Property Address	981 OCOTILLO LN, MARATHON, FL 33050-2414
Document Number	0032051819
Book / Page	3205 / 1819
Map Reference	MB 5 PG 121
Instrument Date	Dec 19, 2022
Instrument	2401283
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	981 OCOTILLO LN, MARATHON, FL 33050-2414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4716 NORTHSIDE DR, ATLANTA, GA 30327-4552

Mortgage

Document Number	0032051823
Date	Dec 20, 2022
Instrument	3205/1823

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jan 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	Other
Max Rate	10.2%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	981 OCOTILLO LN, MARATHON, FL 33050-2414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0029931893
Date	Nov 8, 2019
Book Page	2993/1893
Instrument	2243961

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	MARATHON, FL 33050

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	216 Months
Due	Nov 8, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,496,481 (+6.37%) Land $1,042,442 Building $454,039	$1,496,481 (+6.37%) Land $1,042,442 Building $454,039
2024	$13,252.00 (+8.72%)	$1,406,827 (+11.79%) Land $1,002,998 Building $403,829	$1,406,827 (+11.79%) Land $1,002,998 Building $403,829
2023	$12,189.00 (+38.62%)	$1,258,432 (+21.22%) Land $899,886 Building $358,546	$1,258,432 (+21.22%) Land $899,886 Building $358,546
2022	$8,793.00	$1,038,167 Land $677,258 Building $360,909	$1,038,167 Land $677,258 Building $360,909

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	6.0 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	Hurricane Irma, Sep 2017 · 312 claims Hurricane Wilma, Oct 2005 · 17 claims Hurricane Georges, Sep 1998 · 130 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 Risk	Low lower than 98% of the US · lower than 97.6% 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.

Internet Providers

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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