36 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 36 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,475 sqft · built 1967
Lot Size	0.294 acres (12,824 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,700,000 (Nov 2022)
Tax Bill	$17,351 (2024)
Deeds & Mortgages	May 2022 Mortgage Nov 2022 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`00402830-000000`

Property Details

APN / Parcel Number

Primary APN	`00402830-000000`
Alternative APNs	`28633700402830000000` `1495166`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,475 sqft Living Area
1st Floor Area	3,609 sqft
Flooring	Concrete/Cement
Interior Walls	Plywood

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	12,824 sqft (0.294 acres)

Exterior Amenities

Pool Area	420 sqft
Porch	Florida Room
Porch Area	1,709 sqft
Deck Area	Deck Area
Patio Area	463 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1495166
Street Address	36 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 36 AND NWLY 1/2 LOT 35 PEN KEY CLUB SUB SEC 2 PB4-54 UPPER MATECUMBE OR384-843/46 OR1000-359 OR1416-660 OR2070-1653 OR 2455-896 OR2456-878 OR2470-1594C OR2494-1646/48 OR2698-1066/1116(DEC/REST) OR2870-1726 OR3141-0062 OR3200-2331
Legal Range	37E
Legal Township	63S
Legal Section	28
Legal Subdivision	PEN KEY CLUB SEC 2
Legal Lot Number	36,35
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2032
Census Tract	970900

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 Record	2 Individual Names on Record
Mailing Address	PO BOX 1271, ISLAMORADA, FL 33036-1271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TRUST BANK
Nov 9, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 3, 2021	Warranty Deed, Transfer CORAL REEF TITLE COMPANY
Aug 25, 2017	Grant Deed, Foreclosure CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2022 · Amount on Record
Deed Sale	Nov 9, 2022 · Amount on Record
Prior Sale	Dec 3, 2021 · Amount on Record
Deed Document Number	20222397098
Deed Book / Page	3200 / 2331
Prior Transfer Date	Nov 15, 2010
Prior Transfer Doc	0024941646
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE FL
Property Address	36 PEN KEY CLUB, ISLAMORADA, FL 33036
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5374 QUIET COVE RD, ANACORTES, WA 98221-8444

Mortgage

Document Number	0031742219
Date	May 19, 2022
Book Page	3174/2219
Instrument	2376442

Lender

Name	WASHINGTON TRUST BANK
Type	Bank
Address	SPOKANE, WA 99201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	8.99%
Index	1-Year CMT
Max Rate	8.99%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Nov 9, 2022
Property Address	36 PEN KEY CLUB, ISLAMORADA, FL 33036
Document Number	0032002331
Book / Page	3200 / 2331
Map Reference	MB 4 PG 54
Instrument Date	Oct 18, 2022
Instrument	2397098
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$18,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5374 QUIET COVE RD, ANACORTES, WA 98221-8444

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 PEN KEY CLUB KEY CLUB, ISLAMORADA, FL 33036

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Dec 3, 2021
Property Address	36 PEN KEY CLUB, ISLAMORADA, FL 33036
Document Number	0031410062
Book / Page	3141 / 62
Map Reference	MB 4 PG 54
Instrument Date	Dec 1, 2021
Instrument	2351176
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$15,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5374 QUIET COVE RD, ANACORTES, WA 98221-8444

August 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	MONROE FL
Recording Date	Aug 25, 2017
Property Address	36 PEN KEY CLUB, ISLAMORADA, FL 33036
Document Number	0028701726
Book / Page	002870 / 001726
Instrument Date	Aug 25, 2017
Instrument	2136428
Transaction Type	Foreclosure
Record Updated	Sep 13, 2017
Title Company	CORAL REEF TITLE COMPANY, CORAL REEF TITLE CO

Transaction

Amount	Amount Recorded
Tax	$9,975.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	313 JEROME AVE ISLAMORADA FL 330363733, ISLAMORADA, FL 33036-3733

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Municipality	Islamorada, Village Of Islands
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,995,262 (+5.99%)	$2,263,704 (-0.28%) Land $1,343,365 Building $920,339
2024	$17,351.00 (+0.7%)
2023	$17,231.00 (+1.89%) Homeowner's exemption	$1,882,555 (+5.33%)	$2,269,969 (+27%) Land $1,385,915 Building $884,054
2022	$16,912.00	$1,787,377 Land $911,786 Building $875,591	$1,787,377 Land $911,786 Building $875,591

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 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	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 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.

Internet Providers

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.

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