Monroe County property record for 3 Pen Key Clb, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,609 sqft · built 1952 |
| Lot Size | 0.159 acres (6,966 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $700,000 (Nov 2013) |
| Tax Bill | $10,906 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00402450-000000 |
| Primary APN | 00402450-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,609 sqft Living Area |
| 1st Floor Area | 1,921 sqft |
| Attic Area | 140 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Other |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 6,966 sqft (0.159 acres) |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 431 sqft |
| Patio Area | 186 sqft |
| Fence | Fence |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1494798 |
|---|---|
| Old Parcel Number | 28633700402450000000 |
| Street Address | 3 PEN KEY CLB |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 PEN KEY CLUB SUBD PB3-170 UPPER MATECUMBE OR163-553/37 OR835-1918 OR836-1176/77 OR1212-1243 OR1212-1246 OR1218-44/46AFF |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 28 |
| Legal Subdivision | PEN KEY CLUB SUBD |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970900 |
Source: Monroe County records, as of December 5, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 2405 PFEFFERKORN RD, WEST FRIENDSHIP, MD 21794-9400 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2013 · Amount on Record |
| Deed Sale | Nov 12, 2013 · Amount on Record |
| Prior Sale | Jul 14, 2006 |
| Deed Document Number | 1957105 |
| Deed Book / Page | 2657 / 2267 |
| Record Updated | Jun 8, 2026 |
Source: Monroe County assessment roll, as of July 1, 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 | $1,217,793 (+7.31%) Land $800,533 Building $417,260 | $1,217,793 (+7.31%) Land $800,533 Building $417,260 | |
| 2024 | $10,906.00 (+7.19%) | ||
| 2023 | $10,174.00 (+13.73%) | $1,134,824 (+33.1%) Land $825,889 Building $308,935 | $1,134,824 (+33.1%) Land $825,889 Building $308,935 |
| 2022 | $8,946.00 | $852,606 Land $543,348 Building $309,258 | $852,606 Land $543,348 Building $309,258 |
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 | 8.0 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 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures