1. Home
  2. Florida
  3. Monroe County
  4. Islamorada
  5. Pen Key Clb

21 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 21 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 2,321 sqft · built 1967
Lot Size0.207 acres (9,000 sqft)
OwnerCompany Name on File
Last Sale$197,000 (Oct 1987)
Tax Bill$12,204 (2025)
Deeds & MortgagesMay 2023 Transfer
Flood ZoneZone AE (high risk)
APN00402630-000000

Property Details

APN / Parcel Number

Primary APN00402630-000000
Alternative APNs
  • 28633700402630000000
  • 1494976

Interior

Bedrooms2 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,321 sqft Living Area
Gross Area2,721 sqft
1st Floor Area2,321 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 2000
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area9,000 sqft (0.207 acres)
Garage TypeAttached
Garage Area400 sqft
PorchSlab
Porch Area78 sqft
Patio Area1,134 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1494976
Street Address21 PEN KEY CLB
CityISLAMORADA
StateFL
Zip33036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLOT 21 PEN KEY CLUB SUBD UPPER MATECUMBE KEY OR376-978-981 OR798-2160 OR959-1170/73 OR1027-1025/27WILL OR1034-1260Q/C OR1034-1261Q/C OR1034-1262Q/C OR1034-1249/1250 OR1034-1258/1303P/R OR2698-1066/1116(DEC/REST) OR3223-0790
Legal Range37E
Legal Township63S
Legal Section28
Legal SubdivisionPEN KEY CLUB SUBD
Legal Lot Number21
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970900

Owner

21 Pen Key Clb is owned by a company that acquired it in February 2023.

Source: Monroe County records, as of May 4, 2026

Owner of RecordCompany Name on File
Mailing Address1125 GATOR TRL, WEST PALM BEACH, FL 33409-2038
Owner TypeCompany
VestingBorrower in Default

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 1, 1987 · Amount on File
Deed SaleOct 1, 1987 · Amount on File
Deed Book / Page1034 / 1249
Last Transfer DateFeb 14, 2023
Transfer Doc0032230790
Record UpdatedJun 8, 2026

May 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateMay 2, 2023
Property Address21 PEN KEY CLUB, ISLAMORADA, FL 33036
Document Number0032230790
Book / Page3223 / 790
Map ReferenceMB 3 PG 170
Instrument DateFeb 14, 2023
Instrument2416194
Transaction TypeTransfer
Record UpdatedJan 23, 2024
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address82994 OVERSEAS HWY # 21, 21, ISLAMORADA, FL 33036-3600

Transferred To (Grantee/Buyer)

NameVerified Name
Address82994 OVERSEAS HWY, ISLAMORADA, FL 33036-3600

Tax Assessment & Valuation

The 2025 property tax bill for 21 Pen Key Clb was $12,204, down 3.5% from the year before.

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$12,204.00 (-3.52%)$1,307,486 Land $984,555 Building $322,931$1,307,486 Land $984,555 Building $322,931
2024$12,649.00 (+309.22%)
2023$3,091.00 (+1.98%) Homeowner's exemption$325,061 (+3%)$1,300,780 (+35.75%) Land $995,220 Building $305,560
2022$3,031.00 Homeowner's exemption$315,594$958,213 Land $654,750 Building $303,463

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
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

Wildfire risk around 21 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 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.

Nearby Properties on Pen Key Clb

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures