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23 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 23 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,454 sqft · built 1957
Lot Size0.29 acres (12,650 sqft)
Owner2 Individual Names on File
Last Sale$2,250,000 (May 2020)
Tax Bill$25,580 (2024)
Deeds & MortgagesMay 2020 Sale
Flood ZoneZone AE (high risk)
APN00402650-000000

Property Details

APN / Parcel Number

Primary APN00402650-000000
Alternative APNs
  • 28633700402650000000
  • 1494992

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,454 sqft Living Area
1st Floor Area1,812 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 2019
Exterior MaterialOther
Construction TypeMasonry / Concrete Block
Foundation TypeBlock
Roof TypeReinforced Concrete
Roof MaterialOther
Lot Area12,650 sqft (0.29 acres)

Exterior Amenities

PorchOpen Porch
Porch Area323 sqft
Deck Area624 sqft
Patio Area130 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number1494992
Old Parcel Number28633700402650000000
Street Address23 PEN KEY CLB
CityISLAMORADA
StateFL
Zip33036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 23 PEN KEY CLUB SUBD UPPER MATECUMBE KEY OR84-374/77 OR1472-2329/32 OR1814-592 OR2698-1066/1116(DEC/REST) OR3023-1996
Legal Range37E
Legal Township63S
Legal Section28
Legal SubdivisionPEN KEY CLUB SUBD
Legal Lot Number23
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970900

Owner

23 Pen Key Clb is owned by two individuals who bought it in May 2020.

Source: Monroe County records, as of December 5, 2025

Owner of Record2 Individual Names on File
Mailing Address49 E CHESTNUT HILL RD, LITCHFIELD, CT 06759-4120
Owner TypeIndividual

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 Names2 Names on Deed
Last SaleMay 26, 2020 · Amount on File
Deed SaleMay 26, 2020 · Amount on File
Prior SaleAug 27, 1997 · Amount on File
Deed Document Number2267026
Deed Book / Page3023 / 1996
Record UpdatedJun 8, 2026

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 26, 2020
Property Address82994 OVERSEAS HWY # 23, 23, ISLAMORADA, FL 33036-3600
Document Number0030231996
Book / Page003023 / 001996
Instrument DateMay 15, 2020
Instrument2267026
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$15,750.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address49 E CHESTNUT HILL RD LITCHFIELD CT 067594120, LITCHFIELD, CT 06759-4120

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of July 1, 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$3,167,343 (-9.18%) Land $2,510,393 Building $656,950$3,167,343 (-9.18%) Land $2,510,393 Building $656,950
2024$25,580.00 (+10.39%)$3,487,486 (+9.44%) Land $2,833,157 Building $654,329$3,487,486 (+9.44%) Land $2,833,157 Building $654,329
2023$23,172.00 (+18.56%)$3,186,724 (+39.41%) Land $2,698,245 Building $488,479$3,186,724 (+39.41%) Land $2,698,245 Building $488,479
2022$19,545.00$2,285,859 Land $1,798,830 Building $487,029$2,285,859 Land $1,798,830 Building $487,029

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

Flood

FEMA maps place 23 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 23 Pen Key Clb is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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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