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9 Pen Key Clb, Islamorada, FL 33036 Property Records

Monroe County property record for 9 Pen Key Clb, Islamorada, FL 33036

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,544 sqft · built 1952
Lot Size0.164 acres (7,125 sqft)
Owner2 Individual Names on File
Last Sale$550,000 (Sep 2002)
Tax Bill$9,452 (2024)
Deeds & MortgagesFeb 2026 Mortgage
Flood ZoneZone AE (high risk)
APN00402510-000000

Property Details

APN / Parcel Number

Primary APN00402510-000000
Alternative APNs
  • 28633700402510000000
  • 1494852

Interior

Bedrooms2 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,544 sqft Living Area
Gross Area1,936 sqft
1st Floor Area1,544 sqft
FlooringConcrete/Cement
Interior WallsPlywood

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1995
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeFlat
Roof MaterialAsphalt
Lot Area7,125 sqft (0.164 acres)
Garage TypeAttached
Garage Area392 sqft
PorchOpen Porch
Porch Area504 sqft
Patio Area18 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemForced Air with A/C

Location & Zoning

Account Number1494852
Street Address9 PEN KEY CLB
CityISLAMORADA
StateFL
Zip33036
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionLOT 9 PEN KEY CLUB SUBD PB3-170 UPPER MATECUMBE KEY OR452-381/382 OR649-185 OR855-2428 OR906-164 OR1345-1672 OR1470-1604 OR1814-593 OR1814-611 OR1864-627/29 OR2698-1066/1116(DEC/REST)
Legal Range37E
Legal Township63S
Legal Section28
Legal SubdivisionPEN KEY CLUB SUBD
Legal Lot Number9
JurisdictionMONROE FL
Township / Civil DivisionUPPER KEYS
Census Block Group2
Census Block2032
Census Tract970900

Owner

9 Pen Key Clb is owned by two individuals who acquired it in February 2003.

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

Owner of Record2 Individual Names on File
Mailing Address1738 ION AVE, SULLIVANS ISLAND, SC 29482-8714
Owner TypeIndividual
VestingHusband and Wife

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 Names2 Names on Deed
Last SaleSep 11, 2002 · Amount on File
Deed SaleSep 11, 2002 · Amount on File
Prior SaleSep 11, 2002 · Amount on File
Deed Book / Page1814 / 611
Last Transfer DateFeb 21, 2003
Transfer Doc0001354580
Record UpdatedOct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMONROE FL
Recording DateFeb 17, 2026
Property Address9 PEN KEY CLB, ISLAMORADA, FL 33036
Document Number0033661723
Book / Page3366 / 1723
Map ReferenceMB 3 PG 170
Instrument DateFeb 6, 2026
Instrument2532349
Transaction TypeTransfer
Record UpdatedJul 1, 2026
Title CompanyALL KEYS TITLE SERVICES, ALL KEYS TTL & NOTARY SVCS I

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3616 GOODWATER ST, MOUNT PLEASANT, SC 29466-7643

Transferred To (Grantee/Buyer)

NameVerified Name
Address1738 ION AVE, SULLIVANS ISLAND, SC 29482-8714

Mortgage

Document Number0033661725
DateFeb 17, 2026
Instrument3366/1725
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2056

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$1,067,550 Land $818,805 Building $248,745$1,067,550 Land $818,805 Building $248,745
2024$9,452.00 (+5.16%)
2023$8,988.00 (+15.35%)$1,069,027 (+36.3%) Land $836,618 Building $232,409$1,069,027 (+36.3%) Land $836,618 Building $232,409
2022$7,792.00$784,313 Land $550,406 Building $233,907$784,313 Land $550,406 Building $233,907

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

Flood

FEMA maps place 9 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation8.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
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

Wildfire risk around 9 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 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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