Monroe County property record for 27 Pen Key Clb, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,382 sqft · built 1965 |
| Lot Size | 0.596 acres (25,970 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,750,000 (Dec 2005) |
| Tax Bill | $13,005 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 00402690-000000 |
| Primary APN | 00402690-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,382 sqft Living Area |
| Gross Area | 3,705 sqft |
| 1st Floor Area | 3,382 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Plaster |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 25,970 sqft (0.596 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 323 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 572 sqft |
| Patio Area | 885 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1495034 |
|---|---|
| Street Address | 27 PEN KEY CLB |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LOT 27 PEN KEY CLUB SUBD PB3-170 UPPER MATECUMBE KEY OR330-358/61 OR807-1685/86 OR2169-2054 OR2169-2055/60TR/AFF OR2169-2061/66TR/AFF OR2599-867/68 OR2586-2397/13F/J OR2698-1066/1116(DEC/REST) |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 28 |
| Legal Subdivision | PEN KEY CLUB SUBD |
| Legal Lot Number | 27 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970900 |
27 Pen Key Clb is owned by a company that acquired it in October 2012 and is owner-occupied.
Source: Monroe County records, as of May 4, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1495, ISLAMORADA, FL 33036-1495 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2005 · Amount on File |
| Deed Sale | Dec 2, 2005 · Amount on File |
| Deed Document Number | 20051554101 |
| Deed Book / Page | 2169 / 2054 |
| Last Transfer Date | Oct 31, 2012 |
| Transfer Doc | 0025990867 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 27 Pen Key Clb was $13,005 with a homeowner's exemption, up 3.4% from the year before.
Source: Monroe County assessment roll, as of December 8, 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 | $13,005.00 (+3.39%) Homeowner's exemption | $1,382,145 | $4,143,076 Land $3,626,711 Building $516,365 |
| 2024 | $12,578.00 (+0.7%) | ||
| 2023 | $12,491.00 (+1.88%) Homeowner's exemption | $1,304,071 (+3%) | $4,499,153 (+41.46%) Land $3,996,783 Building $502,370 |
| 2022 | $12,260.00 Homeowner's exemption | $1,266,089 | $3,180,526 Land $2,664,522 Building $516,004 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 27 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 | 9.0 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 27 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 Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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