Monroe County property record for 28 Pen Key Clb, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 4,394 sqft · built 1964 |
| Lot Size | 0.488 acres (21,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $3,800,000 (May 2024) |
| Tax Bill | $32,705 (2024) |
| Deeds & Mortgages | Sep 2020 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 00402700-000000 |
| Primary APN | 00402700-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 4,394 sqft Living Area |
| 1st Floor Area | 4,394 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Geodesic/Dome |
| Roof Material | Concrete |
| Lot Area | 21,250 sqft (0.488 acres) |
| View / Lot | Waterfront |
| Garage Type | Covered |
| Garage Area | 391 sqft |
| Pool Area | 544 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 720 sqft |
| Deck Area | 806 sqft |
| Patio Area | 5,806 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1495042 |
|---|---|
| Street Address | 28 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 28 PEN KEY CLUB SUBD UPPER MATECUMBE KEY PB3-170 OR445-410 OR653-599 OR713-414 OR769-1473 OR802-1181 OR2698-1066 OR3046-1092 OR3277-1640 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 28 |
| Legal Subdivision | PEN KEY CLUB SUBD |
| Legal Lot Number | 28 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970900 |
Source: Monroe County records, as of February 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 28 PEN KEY CLB, ISLAMORADA, FL 33036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2024 · Amount on Record |
| Deed Sale | May 24, 2024 · Amount on Record |
| Prior Sale | Sep 25, 2020 |
| Deed Document Number | 20242462956 |
| Deed Book / Page | 3277 / 1640 |
| Prior Transfer Date | Sep 4, 2020 |
| Prior Transfer Doc | 0030461092 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Sep 25, 2020 |
| Property Address | 28 PEN KEY CLB, ISLAMORADA, FL 33036 |
| Document Number | 0030461092 |
| Book / Page | 003046 / 001092 |
| Instrument Date | Sep 4, 2020 |
| Instrument | 2283288 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1193 FRANGIPANI LN CASSELBERRY FL 327072502, CASSELBERRY, FL 32707-2502 |
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 | $3,682,772 (-7.19%) Land $3,175,813 Building $506,959 | $3,682,772 (-7.19%) Land $3,175,813 Building $506,959 | |
| 2024 | $32,705.00 (+5.71%) | ||
| 2023 | $30,937.00 (+18.81%) | $3,968,051 (+42.6%) Land $3,499,875 Building $468,176 | $3,968,051 (+42.6%) Land $3,499,875 Building $468,176 |
| 2022 | $26,039.00 | $2,782,553 Land $2,333,250 Building $449,303 | $2,782,553 Land $2,333,250 Building $449,303 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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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