A mix of marinas, boatyards, and residential areas with a laid-back, authentic Keys vibe and growing arts scene.
Stock Island is Key West's working waterfront, blending maritime industry with residential living and a burgeoning arts scene. This eclectic neighborhood features marinas, boatyards, waterfront restaurants, and a growing collection of artist studios and galleries. Properties range from waterfront homes with deep-water docks to affordable condominiums and mobile home communities. Stock Island offers an authentic, unpretentious Keys lifestyle with easy access to the mainland and some of the island's best fishing, diving, and boating.
Price Range
$800K - $2.5M
Property Types
Waterfront Homes, Condos, Mobile Home Communities
Lifestyle
Authentic, Maritime, Artistic
Photo Gallery
Market Insights
Median Price
$1.1M
Days on Market
30-50
Inventory
Moderate (3.8 months)
Price Trend
+11.3% YoY
Walkability Scores
Walk
45
Transit
35
Bike
62
Car-Dependent — most errands require a car
Flood Zones & Insurance
FEMA Zones
AE, VE (waterfront)
Insurance Note
Flood insurance required for waterfront properties. VE zones have higher premiums. Average annual: $2,800-$6,500
Buyer Intelligence
Architectural Character
Eclectic mix of frame vernacular cottages, CBS homes, mobile and manufactured homes, and purpose-built marina-front condominiums. Stock Island is rapidly gentrifying — the Perry Hotel's development has catalyzed new boutique residential and commercial construction along the waterfront.
Vacation Rentals
Permitted (with license)Monroe County governs Stock Island and has its own transient rental framework separate from the City of Key West. Rentals shorter than 28 days require a county transient license in eligible zoning districts. Regulations vary block by block and are actively evolving as the area redevelops — investors must review the specific parcel's zoning and confirm license transferability before closing.
HOA
NoneMost single-family and waterfront homes have no HOA. The Perry Hotel Marina and some newer condo developments have association structures. Mobile home parks have park rules and lot fees that function similarly to HOA dues.
Parking
Plentiful off-street parking throughout Stock Island. Marina properties often have parking for boats and trailers on site. Accessibility to Key West by vehicle, bike, or scooter is easy via the bridge on US-1.
Area Schools
Horace O'Bryant Middle School
Neighborhood Highlights
Marinas & Boatyards
Arts District
Affordable Options
Local Vibe
Waterfront Access
Fishing & Diving
Nearby
Restaurants
The Stoned Crab
3316 N Roosevelt Blvd, Key West
Matt's Stock Island Kitchen & Bar
6800 Front St, Stock Island
Attractions
Interested in Stock Island?
Damian can help you find the perfect property in this neighborhood.
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