Monroe County property record for 7 Pen Key Clb, Islamorada, FL 33036
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,967 sqft · built 1966 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $790,000 (Jun 2016) |
| Tax Bill | $12,655 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00402490-000000 |
| Primary APN | 00402490-000000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 2,967 sqft Living Area |
| Gross Area | 3,303 sqft |
| 1st Floor Area | 2,967 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Pile |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,000 sqft (0.161 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Porch | Slab |
| Porch Area | 530 sqft |
| Patio Area | 415 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1494836 |
|---|---|
| Street Address | 7 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 7 PEN KEY CLUB SUBD UPPER MATECUMBE KEY PB3-170 OR370-737-740 OR434-1059 OR436-940 OR1086-1092 OR1087-801 OR1207-2227/9TRDEED OR1210-1012/14C/TR OR1247-1394AFF/DC OR1247-1395AFF OR1288-877/78M/T OR1289-770/71AFF OR1289-773/93TR OR2202-103/04 OR22 |
| Legal Range | 37E |
| Legal Township | 63S |
| Legal Section | 28 |
| Legal Subdivision | PEN KEY CLUB SUBD |
| Legal Lot Number | 7 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 970900 |
7 Pen Key Clb is owned by two individuals who bought it in June 2016.
Source: Monroe County records, as of May 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9080 PICKWICK DR, INDIANAPOLIS, IN 46260-1714 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2016 · Amount on File |
| Deed Sale | Jun 17, 2016 · Amount on File |
| Prior Sale | Apr 20, 2006 · Amount on File |
| Deed Book / Page | 2806 / 1198 |
| Prior Transfer Date | Apr 6, 2006 |
| Prior Transfer Doc | 0022020105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE FL |
| Property Address | 7 PEN KEY CLB, ISLAMORADA, FL 33036 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Title Company | BOSTON NATIONAL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0028891310 |
|---|---|
| Date | Jan 31, 2018 |
| Book Page | 2889/1310 |
| Instrument | 2153216 |
| Name | RAYMOND JAMES BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PETERSBURG, FL 33716 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Feb 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Max Rate | 8.37% |
The 2025 property tax bill for 7 Pen Key Clb was $12,655, up 5.2% from the year before.
Source: Monroe County assessment roll, as of December 8, 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 | $12,655.00 (+5.22%) | $1,329,878 Land $804,440 Building $525,438 | $1,329,878 Land $804,440 Building $525,438 |
| 2024 | $12,027.00 (+5.29%) | ||
| 2023 | $11,423.00 (+12.96%) | $1,318,224 (+26.81%) Land $821,940 Building $496,284 | $1,318,224 (+26.81%) Land $821,940 Building $496,284 |
| 2022 | $10,112.00 | $1,039,487 Land $540,750 Building $498,737 | $1,039,487 Land $540,750 Building $498,737 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 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 7 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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