Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$2,576,817$1,917 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

435 HARBOUR DR

DUCK KEY, FL 33050
3
Beds
2
Baths
1,344 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1980
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$2.6M
$2.2M low$2.9M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,148 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$2,440,098 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,114,378
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$325,720
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,442,246
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$2,440,098

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.58 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.100%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMonroe
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2000
Lot (acres)The size of the land the home sits on, from county records.0.29
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Pile
RoofThe main material covering the roof, such as asphalt shingle or tile.Metal
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 115 ft²Porch · 1,126 ft²Boat access

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Marathon Middle High SchoolC-
Middle · Grades 6–12 · 10.9 mi
E
Stanley Switlik Elementary SchoolC
Elementary · Grades PK–5 · 11.6 mi

District: Monroe County School District

Neighborhood · ZIP 33050These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.5

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.63%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.10,953
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.222 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,819
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,236
Average tempThe average temperature here across a full year.77°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.76%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

435 Harbour Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 91% of homes in Marathon 33050
  • Among the highest price per square foot in Marathon 33050
  • Has a bigger lot than 73% of homes in Monroe County

What homes are worth in Marathon 33050

Each bar is how many homes fall in that price range. The marker is this home.

This home
$299K$4.4M

This home is worth more than 91% of homes in Marathon 33050.

How it measures up in Marathon 33050

The dot is this home. The mark in the middle is the typical home in Marathon 33050.

Estimated value$2,576,817
CheaperTypical $902,853Pricier

Pricier than 91% of homes nearby

Price per ft²$1917
CheaperTypical $652Pricier

Pricier than almost all homes nearby

Living area1,344 ft²
SmallerTypical 1,387 ft²Bigger

Bigger than 47% of homes nearby

Lot size0.29 ac
SmallerTypical 0.2 acBigger

Bigger than 67% of homes nearby

Year built1980
OlderTypical 1984Newer

Newer than 43% of homes nearby

How 435 Harbour Dr ranks against every home in each area.
MeasureThis homeMarathon 33050Monroe County
Estimated valuepricier than$2,576,81791% of homes87% of homes
Price per ft²pricier than$1917almost all homes96% of homes
Living areabigger than1,344 ft²47% of homes49% of homes
Lot sizebigger than0.29 ac67% of homes73% of homes
Year builtnewer than198043% of homes45% of homes

About 435 Harbour Dr

How much is 435 Harbour Dr, Duck Key, FL worth?

The TopHap Estimate for 435 Harbour Dr, Duck Key, FL is $2,576,817 as of Oct 21, 2026. The likely range is $2,208,997 to $2,944,637. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 435 Harbour Dr, Duck Key, FL last sell?

435 Harbour Dr, Duck Key, FL last sold on May 26, 2016, according to the county's recorded deed.

How big is 435 Harbour Dr, Duck Key, FL?

435 Harbour Dr, Duck Key, FL has 3 bedrooms, 2 bathrooms, 1,344 square feet of living space and a 0.29-acre lot.

When was 435 Harbour Dr, Duck Key, FL built?

435 Harbour Dr, Duck Key, FL was built in 1980, making it 46 years old. The building has 2 stories.

What schools serve 435 Harbour Dr, Duck Key, FL?

435 Harbour Dr, Duck Key, FL is assigned to Marathon Middle High School (middle), rated C-; Stanley Switlik Elementary School (elementary), rated C. All sit in Monroe County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 435 Harbour Dr, Duck Key, FL compare to other homes in Marathon 33050?

Among the 5,884 homes in Marathon 33050, it is worth more than 91% of them ($2,576,817 against a typical $902,853), its price per square foot is higher than almost all of them ($1917 against a typical $652), it is bigger than 47% of them (1,344 ft² against a typical 1,387 ft²), its lot is bigger than 67% of them (0.29 ac against a typical 0.2 ac) and it is newer than 43% of them (1980 against a typical 1984). Measured against all of Monroe County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 435 Harbour Dr, Duck Key, FL?

The 2024 property tax bill for 435 Harbour Dr, Duck Key, FL was $17,148. The county assessed it at $2,440,098.

More homes on Harbour Dr

Closest homes

More homes in Duck Key 33050

Assigned schools

Explore the area

See this home in context

Open 435 Harbour Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map