Monroe County property record for 5 Pen Key Clb, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,696 sqft · built 1955 |
| Lot Size | 0.2 acres (8,716 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Mar 1987) |
| Tax Bill | $12,209 (2024) |
| Flood Zone | Zone AE (high risk) |
| APN | 00402470-000000 |
| Primary APN | 00402470-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,696 sqft Living Area |
| 1st Floor Area | 2,696 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Other |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 8,716 sqft (0.2 acres) |
| Porch | Open Porch |
| Porch Area | 769 sqft |
| Patio Area | 1,930 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 1494810 |
|---|---|
| Old Parcel Number | 28633700402470000000 |
| Street Address | 5 PEN KEY CLB |
| City | ISLAMORADA |
| State | FL |
| Zip | 33036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 PEN KEY CLUB SUBD UPPER MATECUMBE KEY PB3-170 OR89-348/351 OR696-487 OR696-489 OR1067-2010 OR1067-2010 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 28 |
| Legal Subdivision | PEN KEY CLUB SUBD |
| Legal Lot Number | 5 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970900 |
5 Pen Key Clb is owned by an individual who bought it in March 1987.
Source: Monroe County records, as of December 5, 2025
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 Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 300, GRANVILLE, OH 43023-0300 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 1987 · Amount on File |
| Deed Sale | Mar 1, 1987 · Amount on File |
| Deed Document Number | 0010672010 |
| 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 | $1,403,884 Land $964,776 Building $439,108 | $1,403,884 Land $964,776 Building $439,108 | |
| 2024 | $12,209.00 (+5.3%) | ||
| 2023 | $11,595.00 (+14.78%) | $1,403,746 (+31.55%) Land $985,381 Building $418,365 | $1,403,746 (+31.55%) Land $985,381 Building $418,365 |
| 2022 | $10,102.00 | $1,067,065 Land $648,277 Building $418,788 | $1,067,065 Land $648,277 Building $418,788 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 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 |
|
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 risk around 5 Pen Key Clb is low, with a 0.02% annual chance of 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.
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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