Monroe County property record for 18 Pen Key Clb, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,600 sqft · built 1962 |
| Lot Size | 0.241 acres (10,480 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,575,000 (Jan 2005) |
| Tax Bill | $9,351 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 00402600-000000 |
| Primary APN | 00402600-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,600 sqft Living Area |
| Gross Area | 2,866 sqft |
| 1st Floor Area | 2,600 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 10,480 sqft (0.241 acres) |
| Garage Type | Attached |
| Garage Area | 266 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 474 sqft |
| Deck Area | 400 sqft |
| Patio Area | 562 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1494941 |
|---|---|
| Street Address | 18 PEN KEY CLB |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LOT 18 PEN KEY CLUB SUBD PB3-170 UPPER MATECUMBE KEY OR308-461/464 OR2078-275/76P/R OR2086-1213D/C OR2698-1066/1116(DEC/REST) |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 28 |
| Legal Subdivision | PEN KEY CLUB SUBD |
| Legal Lot Number | 18 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970900 |
18 Pen Key Clb is owned and occupied by an individual who bought it in January 2005.
Source: Monroe County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 68, ISLAMORADA, FL 33036-0068 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 21, 2005 · Amount on File |
| Deed Sale | Jan 21, 2005 · Amount on File |
| Deed Document Number | 20051491939 |
| Deed Book / Page | 2078 / 275 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 18 Pen Key Clb was $9,351 with a homeowner's exemption, up 3.4% from the year before.
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Municipality | Islamorada, Village Of Islands |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,351.00 (+3.37%) Homeowner's exemption | $972,499 | $2,842,135 Land $2,306,124 Building $536,011 |
| 2024 | $9,046.00 (+0.71%) | ||
| 2023 | $8,982.00 (+1.86%) Homeowner's exemption | $917,566 (+3%) | $2,846,176 (+38.98%) Land $2,359,782 Building $486,394 |
| 2022 | $8,818.00 Homeowner's exemption | $890,841 | $2,047,940 Land $1,552,979 Building $494,961 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Pen Key Clb 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 | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 265 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 387 units insured incl. 122 condo units |
| Nearby Flood Claims | 582 (1982–2022) |
| Claims Outside the SFHA | 21 of 582 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 18 Pen Key Clb is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, T-Mobile.
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