Guys, with regards of the heater, it's true that in most cases there is no need for a heater, specially if you have a large tank which temperature fluctuates very little, however, it could absolutely be needed in a small tank, even in south florida, specially if the tank is kept in an office or a house that keeps the temperature very low, these small tanks can bring the temperature low enough to wipe out all the fish.
Now, from what I can tell, it could have been several things or combination of things, Jay could you expand on what was tested, when and who tested the water? also, were the fish floating or laying on the bottom, I am guessing that a hermit crab died and the ammonia spike produced a chain reaction that in a few hours could have wiped out everything.