Our PSC 31 is stated at 4'10". However the marine surveyor when we purchased in 2007 said he thought it was about 5'2" actual.
Back in her slip and dry she's now floating about 3 " higher.
My recollection is it drops an inch for every 800lbs of added weight.
Full tanks alone would be a 1000.
Add 2 people, dingy&engine, tools, food, etc
Yea, I can see you +2400lbs, easy.
BTW; regarding keys, and speaking of draft, did you have any trouble with depths
or did you stay outside on the Hawk channel?