Monroe County property record for 20 Pen Key Clb, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,091 sqft · built 1962 |
| Lot Size | 0.206 acres (9,009 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,881 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00402620-000000 |
| Primary APN | 00402620-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,091 sqft Living Area |
| 1st Floor Area | 2,091 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Pile |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Other |
| Lot Area | 9,009 sqft (0.206 acres) |
| Garage Area | 486 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 928 sqft |
| Deck Area | 451 sqft |
| Patio Area | 451 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1494968 |
|---|---|
| Old Parcel Number | 28633700402620000000 |
| Street Address | 20 PEN KEY CLB |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 PEN KEY CLUB SUBD PB3-170 UPPER MATECUMBE KEY OR390-717 OR808-238/39 OR937-2062/65 OR968-1074 OR1588-824/27 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 28 |
| Legal Subdivision | PEN KEY CLUB SUBD |
| Legal Lot Number | 20 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970900 |
20 Pen Key Clb is owned and occupied by an individual who acquired it in August 2024.
Source: Monroe County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 118, ISLAMORADA, FL 33036-0118 |
| 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 | Aug 1, 2024 |
| Deed Sale | Aug 1, 2024 |
| Deed Document Number | 0001588824 |
| Prior Transfer Date | Jul 23, 1999 |
| Prior Transfer Doc | 0158800824 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $837,444 | $1,326,574 Land $984,555 Building $342,019 | |
| 2024 | $7,881.00 (+0.72%) | ||
| 2023 | $7,825.00 (+1.83%) Homeowner's exemption | $790,139 (+3%) | $1,297,468 (+36%) Land $995,220 Building $302,248 |
| 2022 | $7,684.00 Homeowner's exemption | $767,126 | $954,021 Land $654,750 Building $299,271 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 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 | 8.0 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 20 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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