Stock Island Homes with Conventional Finance Terms

Stock Island Homes with Conventional Finance Terms

Welcome to Stock Island, a hidden gem nestled in the heart of Monroe County, Florida. Just a stone's throw from the vibrant energy of Key West, Stock Island offers a unique blend of laid-back island charm and modern conveniences. This picturesque locale is known for its stunning waterfront views, lush greenery, and a rich tapestry of local culture that makes it a sought-after destination for both residents and visitors alike.

Stock Island is not just a place to live; it’s a lifestyle. Picture yourself waking up to the gentle sound of waves lapping against the shore, with the warm Florida sun casting its golden rays over the tranquil waters. The island is home to a diverse array of recreational activities, from fishing and boating to exploring the local art scene and indulging in fresh seafood at charming waterfront eateries. The community is tight-knit, fostering a sense of belonging and camaraderie among its residents.

For those considering making Stock Island their home, you’ll be pleased to know that many properties are available with conventional financing options. This means you can invest in your dream home without the complexities of alternative financing methods. Whether you’re looking for a cozy cottage or a modern waterfront retreat, there’s a perfect space waiting for you in this idyllic paradise.

Embrace the opportunity to live in a place where every day feels like a vacation. Discover the charm of Stock Island, where your dream home and a vibrant community await!

Newest Stock Island Homes with Conventional Finance Terms

$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
$624,900
3 Beds ⋅ 2 Baths ⋅ 620731 MLS
Discover the opportunity to own a piece of the Lower Florida Keys in this 3-bedroom, 2-bath home located on Stock Island. Offering approximately 1,418 square feet of living space, this home features a functional floor plan ready for your personal updates and vision. A storage building provides additional space for tools, hobbies, or recreational equipment. Conveniently located near marinas, world-class boating and fishing, waterfront dining, and just a short drive to Smathers Beach, Higgs Beach, Duval Street, Mallory Square, and all that historic Key West has to offer. Whether you're looking for a primary residence, vacation home, or investment opportunity, this property offers the chance to create your own island retreat in one of the most desirable areas of the Florida Keys.

E6 11th 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
$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
$999,000
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
$499,000
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
$499,000
2 Beds ⋅ 1 Baths ⋅ 612208 MLS
This 2-bedroom one bath manufacture home, is located in Harbour Shores a well run condominium association park with very reasonable fees of $200 a month. This home sits on one of the bigger lots with provides off street parking with its own private driveway. The park also offers boat docking at very good rates for owners with easy ocean access. The home has a newer roof and central air conditioner.

6800 Maloney Ave Unit 20, Stock Island
$599,000
4 Beds ⋅ 2 Baths ⋅ 612219 MLS
This 4 Bedroom 2-bathroom doublewide sits on a corner fenced lot with ample parking. This home has a roof that is only a few years old as well as newer central A/C. Currently it is being used as a rental with good monthly income. And you own the land

C1 9th Ave, Stock Island
$949,000
4 Beds ⋅ 3 Baths ⋅ 615334 MLS
Spacious 4-Bedroom, 3-Bath Home on Expansive Lot with Fruit Trees! Welcome to this beautifully maintained 4-bedroom, 3-bathroom home nestled on a generous 9,375 sq ft fully fenced lot. Perfect for families and entertainers alike, this property offers the ideal blend of space, comfort, and outdoor living. Inside, you'll find a thoughtfully designed layout with ample natural light, spacious bedrooms. Step outside to your private oasis, complete with mature fruit trees and plenty of room for gardening, entertaining, or future additions. Whether you're dreaming of a backyard retreat, a play space for kids and pets, or simply enjoying your own slice of nature, this home has it all.

6460 Sunshine St, Stock Island
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