37 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 37 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,741 sqft · built 1960
Lot Size	0.198 acres (8,630 sqft)
Owner	2 Individual Names on File
Last Sale	$1,375,000 (Mar 2019)
Tax Bill	$14,998 (2024)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`00402840-000000`

Property Details

APN / Parcel Number

Primary APN	`00402840-000000`
Alternative APNs	`28633700402840000000` `1495174`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,741 sqft Living Area
1st Floor Area	2,741 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2016
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	8,630 sqft (0.198 acres)
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Porch	Florida Room
Porch Area	511 sqft
Patio Area	1,544 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air with A/C

Location & Zoning

Account Number	1495174
Street Address	37 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 37 PEN KEY CLUB SUB SEC 2 UPPER MATECUMBE KEY PB4-54 OR180-508/11 OR719-168 OR898-1857 OR1349-743/45TR/MT OR1955-869D/C OR2664-594/95 OR2698-1066/1116(DEC/REST) OR2953-1520
Legal Range	37E
Legal Township	63S
Legal Section	28
Legal Subdivision	PEN KEY CLUB SEC 2
Legal Lot Number	37
Jurisdiction	MONROE FL
Township / Civil Division	UPPER KEYS
Census Block Group	2
Census Block	2032
Census Tract	970900

Owner

37 Pen Key Clb is owned by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4455 W 126TH ST, ZIONSVILLE, IN 46077-9206
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2019 · Amount on File
Deed Sale	Mar 14, 2019 · Amount on File
Prior Sale	Dec 23, 2013 · Amount on File
Deed Document Number	20192210839
Deed Book / Page	2953 / 1520
Prior Transfer Date	Mar 21, 1995
Prior Transfer Doc	1349000743
Record Updated	Sep 20, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE FL
Recording Date	Mar 14, 2019
Property Address	37 PEN KEY CLB, ISLAMORADA, FL 33036
Document Number	0029531520
Book / Page	2953 / 1520
Map Reference	MB 4 PG 54
Instrument Date	Mar 13, 2019
Instrument	2210839
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CORAL REEF TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	88005 OVERSEAS HWY, 88005, ISLAMORADA, FL 33036-3067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4455 W 126TH ST, ZIONSVILLE, IN 46077-9206

Mortgage

Document Number	0002210840
Date	Mar 14, 2019
Instrument	2210840

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

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		$1,729,738 Land $1,144,338 Building $585,400	$1,729,738 Land $1,144,338 Building $585,400
2024	$14,998.00 (+5.5%)
2023	$14,216.00 (+14.48%)	$1,731,681 (+29.84%) Land $1,180,584 Building $551,097	$1,731,681 (+29.84%) Land $1,180,584 Building $551,097
2022	$12,418.00	$1,333,732 Land $776,700 Building $557,032	$1,333,732 Land $776,700 Building $557,032

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

Flood

FEMA maps place 37 Pen Key Clb in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 37 Pen Key Clb is low, with less than a 0.01% annual chance of wildfire.

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.

Internet Providers

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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