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29 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 29 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details6 bd · 6.5 ba · 6,514 sqft · built 1994
Lot Size0.456 acres (19,850 sqft)
OwnerIndividual Name on Record
Last Sale$2,000,000 (May 2017)
Tax Bill$35,212 (2024)
Deeds & MortgagesJul 2020 Loan Modification
May 2017 Sale
Flood ZoneZone AE (high risk)
APN00402710-000100

Property Details

APN / Parcel Number

Primary APN00402710-000100
Alternative APN
  • 9104073

Interior

Bedrooms6 Beds
Full Baths6.5 Baths
Half Baths3 Half Baths
Stories2 Stories
Building Area6,514 sqft Living Area
FlooringMarble
Interior WallsWood

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2010
Exterior MaterialWood
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area19,850 sqft (0.456 acres)
PorchOpen Porch

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number9104073
Street Address29 PEN KEY CLB
CityISLAMORADA
StateFL
Zip33036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLOT 29 PEN KEY CLUB SUBD PB3-170 OR369-1069/1070 OR624-262 OR838-771/772 OR965-890Q/C OR965-891/893 OR1195-1001 OR1213-241 OR1253-267/68 OR2698-1066/1116(DEC/REST) OR2853-2377/78
Legal Range37E
Legal Township63S
Legal Section28
Legal SubdivisionPEN KEY CLUB SUBD
Legal Lot Number29
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970900

Owner

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing AddressPO BOX 603, BOSTON, GA 31626-0603
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2020Loan Modification, Mortgage
TC FED'L BK
May 11, 2017Warranty Deed, Transfer
CORAL REEF TITLE COMPANY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 11, 2017 · Amount on Record
Deed SaleMay 11, 2017 · Amount on Record
Deed Document Number20172122660
Deed Book / Page2853 / 2377
Prior Transfer DateApr 1, 2017
Prior Transfer Doc0028532418
Record UpdatedJun 8, 2026

July 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address29 PEN KEY CLB, ISLAMORADA, FL 33036
Document Number0030350283
Instrument DateJul 20, 2020
Transaction TypeMortgage
Record UpdatedAug 28, 2020
Title CompanyNOT AVAILABLE

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address19595 US HIGHWAY 84 E BOSTON GA 316262689, BOSTON, GA 31626-2689

Mortgage

Document Number0030350283
DateJul 31, 2020
Book Page003035/000283
Instrument2275418
Lender
NameTC FED'L BK
AddressTHOMASVILLE, GA
Agreement
AmountAmount Recorded
Term84 Months
DueJul 30, 2027

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateMay 11, 2017
Property Address29 PEN KEY CLB, ISLAMORADA, FL 33036
Document Number0028532377
Book / Page002853 / 002377
Instrument DateMay 10, 2017
Instrument2122660
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyCORAL REEF TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$14,000.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1250 LIVE OAK PLANTATION RD TALLAHASSEE FL 323122510, TALLAHASSEE, FL 32312-2510

Tax Assessment & Valuation

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$4,261,520 (+5.9%) Land $2,400,064 Building $1,861,456$4,261,520 (+5.9%) Land $2,400,064 Building $1,861,456
2024$35,212.00 (+6.11%)
2023$33,184.00 (+8.52%)$4,024,234 (+9.55%) Land $2,208,908 Building $1,815,326$4,024,234 (+9.55%) Land $2,208,908 Building $1,815,326
2022$30,579.00$3,673,409 Land $1,837,217 Building $1,836,192$3,673,409 Land $1,837,217 Building $1,836,192

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

Flood

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 Record
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

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 119 locations within half a mile, as of December 31, 2025

ProviderMax 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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