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$1,099,000
Stock Island, FL 33040
MLS# 620041
4 beds | 3 baths | 2000 sqft
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Property Description
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 1,508 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. 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.
Details
Maps
Contract Information
Listing Board: Key West Association
As is Rght to Inspct: Yes
Current Price: $1,099,000
Listing Date: 2026-05-05
List Price: $1,099,000
Location, Tax & Legal
City: Stock Island
Mile Marker: 5
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: AE 8
Alternate Key #: 1164623
Parcel #: 00130460-000000
Zoning: URM - Urban Res Mobile Home District
Deed Restrictions: Unknown
Legal: BK G LT 49 LINCOLN GARDENS NO 2 PB5-90 STOCK ISLAND OR381-396-397 OR768-207 OR809-970 OR873-1644 OR972-278 OR1050-1761 O
Taxes: 2016.59
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 49G
Street Name: Miriam
Street Suffix: Street
Key/Island: Stock Island
State/Province: FL
Zip Code: 33040
County: Monroe
Subdivision: Lincoln Gard. No. 2 (5.0)
Area: 05 - Stock Island to Shark Key
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: No
Control Depth: 0
Lot SqFt: 3669
Pool: No
Lot Sqft Source: Tax Records
Acres: 0.08
SqFt Source: Builder/Architect
Rentals Allowed: With Restrictions
Min Rental Days: 28
Style: Single Family
Year Built: 2026
Living Apx SqFt: 2000
Total Bedrooms: 4
Full Baths: 3
Total Baths: 3
Remarks & Misc
Remarks – Consumer: 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 1,508 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.
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.
Association Info
Mandatory Home Owners Asc: No
1st Right of Refusal: No
Association Fee $: 0
Fee Includes
None: 1
Dockage
None: 1
Tax Exemptions
None: 1
Appliances
Dishwasher: 1
Dryer: 1
Range: 1
Refrigerator: 1
Washer: 1
Pets
Pets Allowed: 1
Cooling
Central Air: 1
Ductless: 1
Waterfront
None: 1
Waterview
No Waterview: 1
Floor
Vinyl: 1
Interior Features
Quartz Countertops: 1
Split Bedroom: 1
Walk-in Closet(s): 1
Property Condition
New Construction: 1
Specialty Rooms
Guest/Servant Qtrs: Legal
Building Style
Above Flood: Yes
Windows/Doors
Impact Rstnce Doors: 1
Impact Rstnce Window: 1
Vehicle Storage
Covered Parking: 1
Construction
Frame: 1
Modular: 1
Land Size
Less Than 1/4 Acre: 1
Furnished
Unfurnished: 1
Terms
Cash: 1
Conventional: 1
VA: 1
Utilities
Community Swr Plant: 1
FKAA: 1
Title
Negotiable: 1
Roof
Metal Roof: 1
Financial Status
Standard Sale: Yes
Status Change Info
Status: Active
Property Features
Fee Includes: None
Tax Exemptions: None
Waterfront: None
Waterview: No Waterview
Dockage: None
Property Condition: New Construction
Vehicle Storage: Covered Parking
Furnished: Unfurnished
Cooling: Central Air; Ductless
Utilities: Community Swr Plant; FKAA
Interior Features: Quartz Countertops; Split Bedroom; Walk-in Closet(s)
Appliances: Dishwasher; Dryer; Range; Refrigerator; Washer
Construction: Frame; Modular
Floor: Vinyl
Roof: Metal Roof
Pets: Pets Allowed
Land Size: Less Than 1/4 Acre
Terms: Cash; Conventional; VA
Title: Negotiable
Listing Office: Island Life Realty Experts
Last Updated: May - 26 - 2026
The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.