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26 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 26 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 3,091 sqft · built 1956
Lot Size0.826 acres (35,982 sqft)
Owner2 Trust Names on File
Last Sale$612,500 (Aug 1994)
Tax Bill$46,176 (2025)
Deeds & MortgagesJun 2026 Transfer
Jan 2024 Transfer
Flood ZoneZone AE (high risk)
APN00402680-000000

Property Details

APN / Parcel Number

Primary APN00402680-000000
Alternative APNs
  • 28633700402680000000
  • 1495026

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area3,091 sqft Living Area
Gross Area3,481 sqft
1st Floor Area3,091 sqft
AtticAttic
Attic Area240 sqft
FlooringCeramic Tile
Interior WallsPlywood

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeCathedral/Clerestory
Roof MaterialConcrete
Lot Area35,982 sqft (0.826 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area390 sqft

Exterior Amenities

Pool Area888 sqft
PorchFlorida Room
Porch Area805 sqft
Deck Area400 sqft
Patio Area452 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1495026
Street Address26 PEN KEY CLB
CityISLAMORADA
StateFL
Zip33036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLOT 26 PEN KEY CLUB SUBD PB3-170 UPPER MATECUMBE KEY OR624-262 OR1318-1927/30F/J OR1318-1931 OR2698-1066/1116(DEC/REST)
Legal Range37E
Legal Township63S
Legal Section28
Legal SubdivisionPEN KEY CLUB SUBD
Legal Lot Number26
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970900

Owner

26 Pen Key Clb is held in a trust since October 2023.

Source: Monroe County records, as of June 25, 2026

Owner of Record2 Trust Names on File
Mailing Address50 BATTERY ST, 9, BOSTON, MA 02109-1917
Owner TypeCompany
VestingTrust, Irrevocable Trust

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

DateDocument
Jun 16, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Jan 23, 2024Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 9, 1994 · Amount on File
Deed SaleAug 9, 1994 · Amount on File
Prior SaleFeb 1, 1969 · Amount on File
Deed Book / Page1318 / 1931
Last Transfer DateOct 27, 2023
Transfer Doc0032591303
Record UpdatedSep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateJun 16, 2026
Property Address26 PEN KEY CLB, ISLAMORADA, FL 33036
Document Number0002547635
Book / Page3386 / 1096
Instrument DateJun 12, 2026
Instrument20262547635
Transaction TypeTransfer
Record UpdatedAug 30, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipIrrevocable Trust
Address50 BATTERY ST, 9, BOSTON, MA 02109-1917

January 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateJan 23, 2024
Property Address26 PEN KEY CLB, ISLAMORADA, FL 33036
Document Number0032591303
Book / Page3259 / 1303
Map ReferenceMB 3 PGS 170
Instrument DateOct 27, 2023
Instrument2448660
Transaction TypeTransfer
Record UpdatedFeb 20, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address19 AVACADO ST, ISLAMORADA, FL 33036-3640

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 AVACADO ST, ISLAMORADA, FL 33036-3640

Tax Assessment & Valuation

The 2025 property tax bill for 26 Pen Key Clb was $46,176, down 11.5% 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$46,176.00 (-11.5%)$5,087,321 (-12.19%) Land $4,495,951 Building $591,370$5,087,321 (-12.19%) Land $4,495,951 Building $591,370
2024$52,175.00 (+256.56%)$5,793,594 (+268.28%) Land $5,202,457 Building $591,137$5,793,594 (+4.69%) Land $5,202,457 Building $591,137
2023$14,633.00 (+1.65%) Senior Citizen's exemption$1,573,159 (+3%)$5,534,015 (+41.73%) Land $4,954,721 Building $579,294
2022$14,395.00 Senior Citizen's exemption$1,527,339$3,904,494 Land $3,303,148 Building $601,346

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

Flood

FEMA maps place 26 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 26 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.

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