Stock Island Homes under $1 million

Stock Island Homes under $1 million

Welcome to Stock Island, a hidden gem nestled in the heart of the Florida Keys, just a stone's throw away from the vibrant city of Key West. This charming island, part of Monroe County, offers a unique blend of laid-back island living and modern conveniences, making it an ideal destination for those seeking a slice of paradise without breaking the bank.

Stock Island boasts a rich maritime heritage and is renowned for its picturesque waterfront views, local art scene, and eclectic dining options. With a variety of outdoor activities at your fingertips, including boating, fishing, and exploring the natural beauty of nearby parks, Stock Island is perfect for both adventure seekers and those looking to unwind in a tranquil setting.

One of the most appealing aspects of Stock Island is the availability of homes under $1 million. Yes, you read that right! In this sought-after area, you can find charming residences that offer both comfort and style without exceeding your budget. Whether you’re searching for a cozy cottage, a modern townhouse, or a waterfront retreat, Stock Island has a diverse range of properties to suit your lifestyle.

Imagine waking up to the sound of gentle waves and the scent of salt in the air, all while enjoying the convenience of being close to Key West's lively attractions. With its affordable housing options and vibrant community spirit, Stock Island is not just a place to live; it's a place to thrive. Discover the magic of Stock Island and find your dream home today!

Newest Stock Island Homes under $1 million

25d 10th Ave, Stock Island
$479,000
3 Beds ⋅ 2 Baths ⋅ 621224 MLS
Corner lot with over 120 feet of street frontage in a part of Stock Island seeing continued investment and redevelopment. You own the land with NO HOA or lot rent, plus added privacy with no adjoining neighbors on two sides. A great opportunity for an owner or investor looking to get into an area with growing long-term potential.

25d 10th Ave, Stock Island
5030 5th Ave Unit 13, Stock Island
$599,900
3 Beds ⋅ 3 Baths ⋅ 620935 MLS
This move in ready townhome is located within the Islander Village HOA, a Local's Only Workforce Community. Low insurances (approx. $4,200 a year) and low HOA dues ($165 a month) make this a fantastic opportunity for local buyers. FHA and VA financing accepted, and Buyer assistance programs available for qualified buyers. The home is elevated and above a garage for 2 cars. On the first floor are the kitchen, dining and living room as well as a 1/2 bath, 9' ceilings and covered front and back porches. Upstairs their is a large primary bedroom with 3 closets, two additional bedrooms and 2 full bathrooms. This locals community has a pool, dog park and an additional small park. If you have a client that lives and works in Monroe County and want to join the Islander Village family please call for more information.

5030 5th Ave Unit 13, Stock Island
32c 10th Ave, Stock Island
$399,000
2 Beds ⋅ 2 Baths ⋅ 620922 MLS
Endless Potential on Stock Island! Fantastic opportunity to own a 3,570 sq. ft. lot featuring an existing 1980 2-bed, 2-bath mobile home. Ideal for handymen, investors, or builders seeking a prime Keys project. Keep and renovate the current home for affordable living/rental income, or capitalize on the lot to explore building new. No HOA fees and located just minutes from Key West's premier boating, dining, and attractions. Bring your vision--properties with this level of versatility at this price point are hard to find!

32c 10th Ave, Stock Island
5030 5th Ave Unit 60, Stock Island
$615,600
3 Beds ⋅ 3 Baths ⋅ 620863 MLS
This spacious townhome in the Islander Village Community is ready for its next local homeowner. The home is elevated and has a garage below for 2 cars. there are 9' ceilings on the first floor, a kitchen, ½ bath, living room and lovely front and back porches. Upstairs is the primary bedroom with ensuite bath and two additional bedrooms with a full bathroom between them. Additionally, the home has a metal roof and impact windows and doors for low insurances. The HOA dues are only $165 a month and the community has a pool, dog park and an additional small park. If you live and work in Monroe County and want to join the Islander Village family please call for more information.

5030 5th Ave Unit 60, Stock Island
6810 Front St Unit B-15 & Slip 22, Stock Island
$875,000
3 Baths ⋅ 620826 MLS
Excellent investment opportunity. This condo unit comes with a 25 X 60 deep water slip. The unit has been divided into three separate rental spaces. one bedroom, full bathroom with a kitchenette and two separate sleeping rooms with full bathrooms. Minutes from Key West.

6810 Front St Unit B-15 & Slip 22, Stock Island
6810 Front St Unit B-13S & SNL 18, Stock Island
$975,000
2 Beds ⋅ 2 Baths ⋅ 620699 MLS
Great opportunity. The condo is divided in to separate units, each having one bedroom and a bath. The property includes a 25x70 live aboard commercial deep water slip. Minutes from Key West. The area provides many choices for dinning , shopping ,nightlife, golf, beaches and a short ride to the Key West airport.

6810 Front St Unit B-13S & SNL 18, Stock Island
26d 11th Ave, Stock Island
$659,000
3 Beds ⋅ 2 Baths ⋅ 620559 MLS
Positioned perfectly on a corner lot with ample outdoor space & private driveway. Welcome to D26 11th Avenue on Stock Island! This three (3) bedroom and two (2) bath home offers a great opportunity for buyers looking to upgrade into a new property, or those simply trying to get into homeownership. Recently renovated and completely fenced-in this home sits on a corner lot with room for a pool if desired. Upon entering the home you are greeted by a spacious and bright open floor plan with tile floors throughout. The updated kitchen complete with dining nook is on your left while the living space is to your right. Down the hallway are two guest rooms and a dedicated laundry room with storage, and a full bathroom. At the end of the hallway is the spacious primary bedroom with ensuite bathroom, and tons of closet space. Sliding glass doors provide extra natural light into the bedroom, and invite you outside to the completely turfed oversized backyard. This property makes for a perfect daily residence or rental property. Call to schedule a showing today! Owner is a licensed Florida Real Estate Agent. Some photos have been virtually altered.

26d 11th Ave, Stock Island
5030 5th Ave Unit 62, Stock Island
$599,000
3 Beds ⋅ 3 Baths ⋅ 620363 MLS
10K Price Reduction ~ This move in ready townhome is located within the Islander Village HOA, a Local's Only Workforce Community. Low insurances (approx. $4,200 Total a year) and low HOA dues ($165 a month) make this a fantastic opportunity for local buyers. FHA and VA financing accepted, and Buyer assistance programs available for qualified buyers. The home is elevated and above a garage for 2 cars. On the first floor are the kitchen, dining and living room as well as a 1/2 bath, 9' ceilings and covered front and back porches. Upstairs their is a large primary bedroom with 3 closets, two additional bedrooms and 2 full bathrooms. The home has very low insurances due to a metal roof and impact windows and doors. This locals community has a pool, dog park and an additional small park. If you live and work in Monroe County and want to join the Islander Village family please call for more information.

5030 5th Ave Unit 62, Stock Island
49g Miriam St, Stock Island
$929,000
4 Beds ⋅ 3 Baths ⋅ 620041 MLS
This newly built 2026 home on Stock Island delivers what buyers rarely find in the Florida Keys: true new construction, built to current code, with a fully legal guest suite and insurance costs designed to be as manageable as possible -- all priced under $1M. The main residence offers 3 bedrooms, 2 bathrooms, and over 1,500 square feet of thoughtfully designed living space elevated 18 feet above grade. Interiors feature waterproof and scratch-proof luxury vinyl plank flooring, quartz countertops, stainless steel appliances, and in-unit washer and dryer. HardiePlank siding, impact-rated doors and windows, and a metal roof complete a build package engineered for Keys living. Central air conditioning keeps the main home comfortable year-round. The elevated guest suite -- positioned at 9 feet with its own private entrance below the main home -- adds one bedroom, one bathroom, and approximately 500 square feet of additional living space, complete with quartz countertops, stainless steel appliances, in-unit laundry, and a mini-split system. Live in one, rent the other, or house extended family with total privacy. Similar properties are bringing in over $6500 per month in rent. The fully fenced, rock-covered lot provides covered parking under the home and additional off-street parking out front -- a genuine premium in the Keys. Stock Island puts you one bridge from Old Town Key West, with marinas, restaurants, and the energy of the Keys right at your door.

49g Miriam St, Stock Island
6800 Maloney Ave Unit 13, Stock Island
$489,000
3 Beds ⋅ 3 Baths ⋅ 619863 MLS
This beautifully updated 3 bedroom, 3 bath home in Harbor Shores offers 1,222 square feet with vaulted ceilings, granite countertops and central AC, plus generous closet space in every bedroom. An open living concept connects the kitchen, dining and living areas, easily seating 6 at the table and another 6 in the living room, ideal for entertaining or multigenerational living. This property includes deeded land ownership. You own the lot, not just the home, adding long term value and stability hard to find at this price point. Beyond the home, Harbor Shores is a community built around the water, giving residents access to a private boat ramp and dock rentals just steps away from your front door. HOA is just $230 a month and covers cable, sewer and common area maintenance.

6800 Maloney Ave Unit 13, Stock Island
28e 12th Ave, Stock Island
$645,000
3 Beds ⋅ 2 Baths ⋅ 619750 MLS
This three-bedroom, two-bath elevated CBS home sits on a fully fenced 3,570-square-foot lot with a practical, well-proportioned layout that makes every inch count. The primary suite has an ensuite bath, while the two guest bedrooms share a second full bath. The property is fully fenced and features a carport & off street parking. This is the kind of home you put your stamp on. The bones are solid, the location is only getting better, and the opportunity to add value is real.

28e 12th Ave, Stock Island
5030 5th Ave Unit 61, Stock Island
$615,600
3 Beds ⋅ 3 Baths ⋅ 619390 MLS
This lovely townhome is located within the Islander Village HOA, a Local's Only Workforce Community. The home is elevated and above a garage for 2 cars. It has 9' ceilings on the first floor, a kitchen, ½ bath, living room and a lovely front and back porch. Upstairs is a large primary bedroom with 3 closets, two additional bedrooms and 2 full bathrooms. Additionally, the home has a metal roof and impact windows and doors for low insurances. The HOA dues are only $165 a month and the community has a pool, dog park and an additional small park. If you live and work in Monroe County and want to join the Islander Village family please call for more information.

5030 5th Ave Unit 61, Stock Island
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