Stock Island Homes under $3 million

Stock Island Homes under $3 million

Welcome to Stock Island, a hidden gem nestled in the heart of the Florida Keys, just a stone's throw from the vibrant city of Key West. This charming island, part of Monroe County, boasts 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 is known for its picturesque waterfront views, lush tropical landscapes, and a welcoming community. With its rich history and a burgeoning arts scene, the island has transformed into a haven for creatives and nature lovers alike. From delicious seafood restaurants to local art galleries, there’s always something to explore.

For those considering a move to this enchanting locale, you'll be delighted to discover that Stock Island offers a variety of homes priced under $3 million. Whether you're in the market for a cozy cottage, a modern waterfront condo, or a spacious family home, Stock Island has something to suit every taste and lifestyle. Many properties feature stunning views of the ocean, private docks, and lush gardens, allowing you to fully embrace the island's natural beauty.

Living in Stock Island means enjoying the best of both worlds—tranquility and access to the bustling nightlife and attractions of Key West. With a vibrant community spirit and a plethora of outdoor activities, including fishing, boating, and snorkeling, Stock Island truly embodies the essence of island life. Don’t miss the opportunity to make this idyllic paradise your home!

Newest Stock Island Homes under $3 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
5331 5th Ave, Stock Island
$2,050,000
6 Beds ⋅ 6 Baths ⋅ 620462 MLS
Attention Developers and Investors! This is a unique opportunity to acquire four parcels totaling 30,000 square feet of prime land just minutes from Key West. Ideally situated at Mile Marker 5, this property boasts a central location near some of the area's most sought-after resorts, dining establishments, and marinas. Whether you're looking to develop a new residential community, a commercial venture, or a combination of both, this land offers incredible potential. Its proximity to key attractions and amenities ensures a steady flow of visitors and residents, making it an ideal investment for future growth and profitability. 7 Electric Meters. 7 Water Meters. MU- Mixed Use Zoning. ROGO exempt for 6 or 7 units may be possible.

5331 5th 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
42 Coral Way, Stock Island
$1,229,000
3 Beds ⋅ 3 Baths ⋅ 620275 MLS
Stunning 3 bed, 3 bath town home overlooking the pool with Transient License. You read that correctly, Short Term Rentals are allowed! This end unit is the biggest floor plan built in Coral Hammock. #42 has many upgrades not seen in the others within the gated community. Boasts totally renovated kitchen w/ NEW granite counter tops, cabinets (w/ soft close drawer / cabinet doors), farmhouse sink & stainless appliances (even a wine cooler). Two of the 3 bathrooms are totally renovated as well (vanities, fixtures, tile in the showers, flooring, commodes). Located poolside so less Hwy noise /grim than some others, plus better parking than some others. The upper level features a covered balcony spanning the entire width of the townhome (not all of them have this up grade). Impeccably maintained with more recent work including Azek decking on exterior steps-porches-balconies, all 4 sets of french doors on the poolside replaced with impacted rated metal ones, entire exterior painted, tented (w/ warranty) & replaced Central AC! Upper level boasts 2 bedrooms, 2 ensuite baths & ample closet space. Primary bath (upstairs) again was totally renovated, even has new tub! 2nd bathroom (upstairs) has shower/tub combo & new vanity. Lower level has 1 bedroom, 1 bath, kitchen, dining area / den & closets. Front door (on lower level) protected by covered porch as well. Gated community boasts pool, club house w/work out room & Short Term (transient) Rentals! Close to the lower Keys only golf course (KW Golf Club), hospital, several marinas, airport, beaches, bars & restaurants. Just a short ride into Old Town KW w/ world famous Duval St.. Not here all the time, no problem - Lock it & Leave. HOA (not a condo) takes care of pool & grounds. Gated community so you must have code to enter gate. These sellers have not done rentals, so there is NO rental history to share, but it's evident by the condition this one has been owner use only. Buyers must pay $880 to HOA at closing

42 Coral Way, Stock Island
15 Coral Way, Stock Island
$1,195,000
3 Beds ⋅ 3 Baths ⋅ 620248 MLS
Nestled inside the intimate, gated Coral Hammock community of just 55 properties, this 3 bed, 3 bathroom home is a perfect option for full-time single-family living or the ease of a lock-and-leave lifestyle with it's transient license making it a great income-producing rental property. Built in 2004 and meticulously maintained, this is the rare Stock Island find that checks every box. Step outside and you're steps from the community's lushly landscaped pool, Two private balconies invite you to slow down, catch the breeze, and remember why you fell in love with the Keys in the first place. Whether you're sipping morning coffee or watching the sunset, there's plenty of outdoor living here to enjoy. Inside, the layout is open and functional with a fully equipped kitchen, spacious living areas, and 2.5 bathrooms, meaning room to breathe whether you're using this as a primary residence, winter retreat, or income-producing rental. The community also offers a clubhouse and fitness center, and covered parking for two vehicles is included. Location-wise, you're minutes from the buzz of Duval Street, world-class dining, marinas, and everything Key West has to offer, without the Old Town price tag. Gated. Private. Pool & amenities. Income potential. This one won't last.

15 Coral Way, 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
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