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19 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 19 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,327 sqft · built 1962
Lot Size0.215 acres (9,360 sqft)
Owner2 Individual Names on Record
Last Sale$1,950,000 (Apr 2008)
Tax Bill$18,142 (2024)
Flood ZoneZone AE (high risk)
APN00402610-000000

Property Details

APN / Parcel Number

Primary APN00402610-000000
Alternative APNs
  • 28633700402610000000
  • 1494950

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,327 sqft Living Area
1st Floor Area2,327 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 2012
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area9,360 sqft (0.215 acres)
Garage TypeCovered
Garage Area272 sqft

Exterior Amenities

PorchOpen Porch
Porch Area633 sqft
Deck Area296 sqft
Patio Area356 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1494950
Street Address19 PEN KEY CLB
CityISLAMORADA
StateFL
Zip33036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLT 19 PEN KEY CLUB SUBD UPPER MATECUMBE KEY OR430-617 OR798-2160 OR2189-450/53PET(PRO#06-CP-29-P) OR2189-464/81WILL OR2223-1517/18 OR2357-451/57ORD OR2357-450D/C OR2357-458 OR2357-459/60Q/C OR2357-461AFF OR2698-1066/1116(DEC/REST)
Legal Range37E
Legal Township63S
Legal Section28
Legal SubdivisionPEN KEY CLUB SUBD
Legal Lot Number19
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970900

Owner

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address12 HUNTLEIGH DOWNS, SAINT LOUIS, MO 63131-3416
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 22, 2008 · Amount on Record
Deed SaleApr 22, 2008 · Amount on Record
Prior SaleSep 1, 1979 · Amount on Record
Deed Document Number20081691737
Deed Book / Page2357 / 458
Prior Transfer DateJun 30, 2006
Prior Transfer Doc0022231517
Record UpdatedJun 8, 2026

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
MunicipalityIslamorada, Village Of Islands
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,634,710 (-0.33%) Land $2,219,864 Building $414,846$2,634,710 (-0.33%) Land $2,219,864 Building $414,846
2024$18,142.00 (+5.18%)
2023$17,248.00 (+19.76%)$2,643,528 (+40.38%) Land $2,249,676 Building $393,852$2,643,528 (+40.38%) Land $2,249,676 Building $393,852
2022$14,402.00$1,883,157 Land $1,480,518 Building $402,639$1,883,157 Land $1,480,518 Building $402,639

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 265 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies387 units insured
incl. 122 condo units
Nearby Flood Claims582 (1982–2022)
Claims Outside the SFHA21 of 582
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 197 claims
  • Hurricane Irene, Oct 1999 · 80 claims
  • Hurricane Georges, Sep 1998 · 84 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 RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 110 locations within half a mile, as of December 31, 2025

ProviderMax 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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