1 / 47
+42 photosWaterfront home — 1157 91ST COURT OCEAN · Key Vacca · Marathon
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 1157 91ST COURT OCEAN, Marathon, FL 33050
Dedicated to you and your family.
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance. Sign in or create a free account and the same edition is rewritten around your household — the schools your children would attend, the boat you keep, the routes you actually drive.
Open property magazine$3,150,000
1157 91ST COURT OCEAN, Marathon, FL 33050
Boat up to 40' (stated)
Estimate only, not guaranteed. Verify before you buy or sell.
Marathon, FL, 33050
4 bd · 3 ba · 2,489 sqft
Listed by Compass Florida LLC
1157 91ST COURT OCEAN, Marathon, FL 33050Waterfront home with 40 ft dockBoat length ~40 ft · preliminary
Boat up to 40' (stated)
Estimate only, not guaranteed. Verify before you buy or sell.
Listed by Compass Florida LLC
Add this home to your tour day
Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
0 of 6 homes in your tour
Ask Simon about boat size
Max boat: Not provided · Dock: Not provided
min · est.
Not provided
low tide depth
Enter draft
bridges on the route
Not provided
Run to the ocean
Saved route not provided — Ask Simon
Map © Esri · saved route, planning only
Water depth on the way out
Saved depth segments not provided — Ask Simon
Charted route depths do not confirm private dock depth, current shoaling or safe passage; verify with your captain.
Today’s tide · Eastern time
Current tide prediction not provided — Ask Simon
Route bridges & sources
Bridges on the route
No bridges on this route
Depth sources
NOAA chart (updated weekly)Tides
Tides: NOAA tide predictions, nearest station
Estimate only, not guaranteed. Verify before you buy or sell.
Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated Monthly Payment
20% down · 6.75% interest · 30-year loan · Jumbo loan
Jumbo loan: put down about $2,159,850 or more to stay conforming. What's different?
- A bigger down payment, often 10–20% or more
- A higher credit score, often 700+
- More cash reserves, often 6–12 months of payments
- Full income documentation, sometimes a second appraisal on large loans
Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.
Principal, interest, taxes and insurance. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $16,345/mo
- Property tax (after sale) est.
- $3,150/mo
- Homeowners insurance est.
- $1,313/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
1157 91ST COURT OCEAN, Marathon, FL 33050
Estimated cash to close est.
Not provided
Enter a purchase price, valid down payment and county — or .
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $2,520,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $2,317,250.00 or more to stay conforming.
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
Not provided
Enter a purchase price, valid down payment and county — or .
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Zone AEFlood insurance required
- Homeowners insurance est.
- $1,313 / month
Flood insurance is required with a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender). The monthly insurance estimate above does not include flood insurance — see "Show details" for the flood rules and the official FEMA map.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
- Roof type
- Metal
- Roof year
- 2026 (assumed from year built)
- Impact windows / doors
- Impact windows/doors (per listing remarks)
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 2026
Homeowners insurance: $1,313 / month est.
Special Flood Hazard Area. With a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender), flood insurance is required.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesBrand-new 2026 construction in Marathon! This elevated waterfront home offers nearly 2,500 SF under air plus 455 SF of balconies, for just under 3,000 SF total — 4 beds/3 baths, Atlantic Ocean views, and a refurbished dock fitting a ~40' vessel. Built to withstand 180-mph winds on auger-cast pilings, with covered parking/storage below. Inside: 9'6" ceilings, LVP flooring, granite counters, stainless appliances, dual HVAC. Brand-new pool & spa with saltwater system and smart automation. Impact windows/doors, metal roof, composite decking. Extended Property and Location Information: Welcome to this brand-new waterfront residence, completed July 2026, offering exceptional boating access, Atlantic Ocean views, and construction engineered specifically for the Florida Keys. This two-story home offers nearly 2,500 SF under air plus 455 SF of covered balconies, for just under 3,000 SF total living and outdoor space, with 4 bedrooms and 3 bathrooms. Built for the Keys Engineered for 180-mph wind conditions and Exposure D, the home is supported by 18-inch reinforced concrete auger-cast pilings extending into rock, along with reinforced concrete columns and grade beams. The elevated design places the main living areas well above base flood elevation while creating a large covered parking and storage area beneath the home — ideal for vehicles, boats, fishing gear, kayaks, and bikes. Interior Highlights Inside, 9'6" ceilings create a bright, open feel throughout. Quality finishes include solid interior doors, upgraded LVP flooring, crown molding, and recessed lighting with dimmers. The kitchen features extensive cabinetry, granite countertops, and stainless-steel appliances, while the bathrooms showcase custom tile work, stone-topped vanities, and frameless glass shower enclosures. A dual HVAC system with two separate condensers and air handlers provides dedicated cooling throughout. Exterior & Structure The exterior features a 5V crimp metal roof, cement-board siding, impact-rated windows and doors, high-grade composite decking, stainless-steel stair components, and multiple covered balconies overlooking the tropical surroundings and Atlantic Ocean. Pool & Spa The brand-new pool, spa, and landscaping were completed alongside the residence in July 2026 for a true turnkey property. Built on its own steel-reinforced auger-piling system, the pool features premium Jandy equipment: dual variable-speed pumps, cartridge filtration, a TruClear saltwater system, spa blower, 116,000-BTU VersaTemp heating/chilling system, and iAquaLink automation. Boating & Location The property offers canal frontage with a refurbished concrete dock and extended waterfront configuration accommodating a vessel of approximately 40 feet. The Atlantic Ocean is just moments away, putting world-class offshore fishing, diving, boating, and watersports right at your doorstep. Marathon's central Middle Keys location keeps restaurants, marinas, shopping, beaches, and everyday necessities close at hand. Florida Keys Marathon International Airport is also nearby, with Monroe County actively working toward the return of scheduled commercial passenger service by 2027. Square footage: 2,489 SF under air per professional floor plan measurement (KPV), plus approximately 455 SF of balcony space. Buyer to verify all measurements.
Property Details
Dogs
Welcome here
Cats
Welcome here
Your costs (est.)
≈ $20,807/mo
1157 91ST COURT OCEAN, Marathon, FL 33050 · Marathon
Location
1157 91ST COURT OCEAN, Marathon, FL 33050
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 1157 91ST COURT OCEAN, Marathon, FL 33050?+
Property tax (after sale): $3,150/month est.; homeowners insurance: $1,313/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $4,463/month est. Principal and interest: $16,345/month; PMI: $0/month. Total for the payment scenario shown: $20,807/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 1157 91ST COURT OCEAN, Marathon, FL 33050?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 1157 91ST COURT OCEAN, Marathon, FL 33050 need flood insurance, and what drives the premium?+
Most of Marathon sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should an inspection focus on for a home like 1157 91ST COURT OCEAN, Marathon, FL 33050?+
In coastal South Florida, prioritize roof age and permit history, whether windows and doors are impact-rated, the seawall and dock condition on waterfront lots, drainage and elevation, plumbing type, and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
What extra costs come with the waterfront at 1157 91ST COURT OCEAN, Marathon, FL 33050?+
Waterfront ownership adds seawall maintenance and eventual replacement, dock and lift servicing, higher flood and wind premiums, and salt-air upkeep on exterior finishes and equipment. Confirm bridge height and water depth at low tide if you plan to keep a boat.
Is there room to negotiate on 1157 91ST COURT OCEAN, Marathon, FL 33050?+
This listing has been on the market 72 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in Marathon, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Closed sales in the last 12 months, newest first — single-family homes only. Tap a home for its photos and sale facts.
Loading nearby sales…
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
Open the magazine
Simon Gedz
Realtor® since 1995
Interested in this property?
$3,150,000 · MLS B26069099
$3,150,000
1157 91ST COURT OCEAN