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 $1.1M. 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.
| MLS # | 620041 |
|---|---|
| Listing Type | For Sale |
| Style | House |
| Sub-Type | Resale |
| Status | Active |
| Year | 2026 |
| Days On Site | 90 |
| Listing Provided By | Island Life Realty Experts | Jimmy R Lane |
| Bed(s) | 4 |
|---|---|
| Bath(s) | 3 Total |
| SQ Feet | 2,000 |
| Zoning | URM - Urban Res Mobile Home Dist |
| Acreage | 0.08 |
| Water Front | None |
| Property View | No Waterview |
| Property | 2016 |
|---|
| State | FL |
|---|---|
| County | Monroe |
| City | Stock Island |
| Zip Code | 33040 |
| Area | 05 Stock Island to Shark Key |
| Community Name | Lincoln Gard. No. 2 (5.0) |
| Listing VS Median (in Lincoln Gard. No. 2 (5.0)) | |
Price: $999,000 low | high Med: $599,000 sqft: 2,000 low | high Med: 1,104 $ / sqft: $500 low | high Med: $543 On site: 90 low | high Med: 650 | |
| State | FL |
|---|---|
| County | Monroe |
| City | Stock Island |
| Zip Code | 33040 |
| Area | 05 Stock Island to Shark Key |
| Community Name | Lincoln Gard. No. 2 (5.0) |
| Listing VS Median (in Lincoln Gard. No. 2 (5.0)) | |
Price: $999,000 low | high Med: $599,000 sqft: 2,000 low | high Med: 1,104 $ / sqft: $500 low | high Med: $543 On site: 90 low | high Med: 650 | |