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33 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 33 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 5,297 sqft · built 1987
Lot Size0.297 acres (12,927 sqft)
OwnerCompany Name on Record
Last Sale$100 (Jun 2018)
Tax Bill$17,068 (2025)
Deeds & MortgagesJun 2018 Transfer
Flood ZoneZone AE (high risk)
APN00402800-000000

Property Details

APN / Parcel Number

Primary APN00402800-000000
Alternative APNs
  • 28633700402800000000
  • 1495140

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area5,297 sqft Living Area
Gross Area5,998 sqft
1st Floor Area5,297 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 2010
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypePile
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area12,927 sqft (0.297 acres)
Garage TypeAttached
Garage Area701 sqft

Exterior Amenities

PorchFlorida Room
Porch Area853 sqft
Deck Area142 sqft
Patio Area895 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account Number1495140
Street Address33 PEN KEY CLB
CityISLAMORADA
StateFL
Zip33036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLOT 33 AND SE 1/2 LOT 32 PEN KEY CLUB SEC 2 PB4-54 UPPER MATECUMBE KEY OR917-2027/28 OR1399-307/08 OR1456-1149/51 OR1456-1152/54 OR1465-2284C OR1465-2285/87C OR1465-2288/90C OR2220-203D/C OR2249-124/26 OR2583-2306 OR2583-2307 OR2583-2308 OR2583-2309
Legal Range37E
Legal Township63S
Legal Section28
Legal SubdivisionPEN KEY CLUB SEC 2
Legal Lot Number33,32
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970900

Owner

Source: Monroe County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing AddressPO BOX 13, ISLAMORADA, FL 33036-0013
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 18, 2018 · Amount on Record
Deed SaleJun 18, 2018 · Amount on Record
Prior SaleAug 10, 2012 · Amount on Record
Deed Document Number20182173925
Deed Book / Page2912 / 524
Transfer Doc1456001149
Record UpdatedOct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE FL
Recording DateJun 18, 2018
Property Address33 PEN KEY CLB, ISLAMORADA, FL 33036
Document Number0029120524
Book / Page002912 / 000524
Instrument DateMay 17, 2018
Instrument2173925
Transaction TypeTransfer
Record UpdatedJul 26, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address33 PEN KEY CLB UPPER MATECUMBE KEY FL 33036, UPPER MATECUMBE KEY, FL 33036

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$17,068.00 (+62.17%)$1,795,418 (+65.58%) Land $971,335 Building $824,083$1,795,418 (+4.51%) Land $971,335 Building $824,083
2024$10,525.00 (+0.71%)
2023$10,451.00 (+1.49%) Senior Citizen's exemption$1,084,310 (+3%)$1,717,981 (+23.01%) Land $977,049 Building $740,932
2022$10,298.00 Senior Citizen's exemption$1,052,729$1,396,650 Land $642,795 Building $753,855

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 Elevation7.0 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 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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