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Florida real estate · Monroe County

Stock Island, Florida Real Estate

Homes, values and local insight for Stock Island, Monroe County, Florida.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
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About Stock Island

Life in Stock Island

Stock Island sits just east of Key West across Cow Key Channel. U.S. 1 crosses it at about mile markers 4 to 6. The community uses Key West ZIP codes and had 4,722 residents in the 2020 census. The island began as a freighter port that handled stock for Key West liveries. It still has docks for shrimp and fishing boats, and ten marinas and boat yards.

The Key West Golf Club covers nearly a quarter of the island. The Perry Hotel Key West opened on May 1, 2017 inside Stock Island Marina Village, and the island also has two craft breweries and a distillery. The I Love Stock Island group calls it the last little piece of Old Key West.

Neighborhoods

Stock Island neighborhoods and communities

Stock Island Marina Village

A marina complex with 220 slips, home to The Perry Hotel Key West and Matt's Stock Island Kitchen and Bar. source

Key West Golf Club area

A golf course and residential complex covering nearly a quarter of the island, on the Key West city side. source

Front Street waterfront

The working fishing dock area around 6810 Front Street, home to Hogfish Bar & Grill and The Docks. source

College Road area

Home of the College of the Florida Keys Key West campus at 5901 College Road and the Key West Tropical Forest & Botanical Garden at 5210 College Road. source

Food

Where locals eat in Stock Island

Hogfish Bar & Grill

Seafood · 6810 Front St.

Opened 2002 in a former shrimpers' bar. Built around a hogfish sandwich and Key West pink shrimp. source

El Siboney

Cuban · 5501 Fifth Ave.

A family-owned Cuban restaurant. source

Matt's Stock Island Kitchen and Bar

Regional American seafood · 7001 Shrimp Road

Waterfront dining at The Perry hotel with a raw bar and marina views. source

Roostica

Wood-fired pizza and Italian · 5620 MacDonald Ave.

Hand-formed wood-fired pizzas, from the owner of Hogfish. source

The Docks Restaurant and Raw Bar

Seafood · 6840 Front St.

Seafood and cocktails over the shrimp boats. source

Coffee and drinks

Coffee, drinks and hangouts

Cayo Hueso Brewing

Craft brewery taproom · 5635 1st Ave.

Taproom opened in late October 2023 next to Roostica. source

Shopping

Shopping in Stock Island

Fishbusterz Fisheries

A fish market at 6406 Maloney Ave., described as the largest wholesale fishery in Florida. source

Outdoors

Parks, beaches and nature

Bernstein Park and Recreation Center

A Monroe County park and recreation center at 6751 5th Street. source

Key West Tropical Forest & Botanical Garden

A 15.2-acre garden at 5210 College Road with native plants and three freshwater ponds. Open daily 10 a.m. to 4 p.m. and opened in 1936. source

Stock Island Marina Village

A 220-slip marina with paddleboarding, fishing, snorkeling and eco-tour excursions. source

Things to do

Attractions and landmarks

Key West Golf Club

A golf course and residential complex covering nearly a quarter of the island. source

The Perry Hotel Key West

A 100-room boutique hotel that opened May 1, 2017 inside Stock Island Marina Village. source

College of the Florida Keys Key West Campus

A waterfront campus at 5901 College Road. source

Calendar

Annual events

I Love Stock Island Festival (June (June 11 to 15 in 2025))

A multi-day community festival run by the I Love Stock Island group. source

Schools

Monroe County School District

Elementary

Gerald Adams Elementary

Middle

Horace O'Bryant School

High

Key West High School

Listed for reference, not ranked. Confirm school zoning for any address with the district. source

Before you buy

Buying in Stock Island: what Ryan and Megan check

  • Stock Island is unincorporated Monroe County. New market-rate homes need a ROGO allocation, and the current pool closed July 13, 2026 with the next expected around July 13, 2027. Call Monroe County Planning & Environmental Resources at 305-294-4641.
  • Much of the island is working waterfront with boatyards and fishing docks next to residential and marina uses. Visit at different hours and check zoning of nearby parcels.
  • The island is low (about 3 feet elevation) and about 60 percent water by area. Get the flood zone, elevation certificate and wind mitigation report.
  • Live-aboard and marina slips are common. For a marina unit, ask about slip ownership versus lease and who owns the dock.

Roads and drive times

U.S. 1 crosses Stock Island at about mile markers 4 to 6, just east of Key West.

Owning a home

Loans, taxes and insurance in Stock Island

FHA loan limit for 2026

$990,150 for a single-family home in Monroe County. FHA loans allow 3.5% down with a 580 credit score.

Conventional loan limit for 2026

$832,750 for a single-family home. Above that, buyers use a jumbo loan. Megan Winslow structures both.

Florida homestead exemption

Owners who live in the home take up to $50,000 off the taxable value, and the Save Our Homes cap limits yearly increases in the assessed value to 3%. File with the Monroe County Property Appraiser by March 1.

Your local agents

Ryan Winslow and Megan Winslow, Stock Island real estate agents

Ryan Winslow

Broker owner of Winslow Homes, REALTOR since 2009, U.S. Army Retired. Ryan Winslow lists and sells homes across Stock Island and Monroe County and handles pricing, negotiation and the contract to closing.

Megan Winslow

Broker owner of Winslow Homes and a Mortgage Banker with The Federal Savings Bank. Megan Winslow helps Stock Island and Monroe County buyers get pre-approved and closes the loan with the same team that negotiates the home.

Ryan and Megan Winslow, together

Megan and Ryan Winslow have worked side by side for 17 years and sold more than 3,000 homes together. One team for the home search, the listing and the mortgage. Call or text 386-690-5858.

What is my home worth? Get pre-approved with Megan Agents: join Winslow Homes

Selling

What is your Stock Island home worth?

Ryan and Megan price Stock Island homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Stock Island
Monroe County

More in Monroe County

See the full Monroe County real estate guide or the Florida real estate guide.

FAQ

Common questions

What county is Stock Island in?

Stock Island is in Monroe County, Florida.

Who are the best real estate agents in Stock Island?

Ryan and Megan Winslow of Winslow Homes. They have sold over 3,000 homes together since 2009, price every Stock Island home from recent sales nearby, and handle the loan as Mortgage Bankers with The Federal Savings Bank. Call or text 386-690-5858.

What is the FHA loan limit in Monroe County for 2026?

The 2026 FHA limit for a single-family home in Monroe County is $990,150, and the 2026 conventional limit is $832,750. Megan Winslow, a Mortgage Banker with The Federal Savings Bank, can pre-approve you for either.

Which schools serve Stock Island?

Monroe County School District serves the island with Gerald Adams Elementary, Horace O'Bryant School and Key West High School. Confirm zoning with the district.

Is Stock Island part of Key West?

No. Stock Island is unincorporated Monroe County with a Key West ZIP code. County rules apply here, not City of Key West rules.

Is flood risk a concern on Stock Island?

The island sits at about 3 feet elevation and is surrounded by water. Order the flood zone and elevation certificate early.

Talk to Ryan and Megan

Ready to move in Stock Island?

17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.

Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.

Coming soon in Stock Island, FL

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Stock Island real estate agents

Work with Ryan and Megan in Stock Island

17+ years together, more than 3,000 homes sold, and the mortgage handled by the same team.

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