HARBOUR SHORES, SI
Homes for Sale in Stock Island, FL
True comps, carrying-cost math, and listings before the portals.
Harbour Shores sits on Stock Island, the last island before Key West in Monroe County — close enough to the Conch Republic to share its amenities, far enough to trade some of that cachet for a lower median price. With only four closings in the measured window, this is a thin market: a single outlier transaction can move the needle sharply, and the year-over-year median decline of more than 43 percent almost certainly reflects that volatility rather than a structural collapse in underlying value.
A median days-on-market of 94 tells buyers the pace here is deliberate. Sellers who price aggressively against a soft comp base will sit; buyers who arrive patient and pre-qualified carry real leverage. Neither side should mistake the statistical noise of a low-volume snapshot for a reliable trend line.
HARBOUR SHORES, SI right now
🔴 Off the recent peak. The trailing-12-month median ($330K) is down 43.3% from the prior 12 months ($582K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level floridakeys closed sales, 12-month windows ending July 27. Confidence: Low (4 and 4 sales in the two windows).
What's unique here: the median sale price is about 65% below the typical Monroe County sale ($330K vs $950K, trailing 12 months, floridakeys records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 27, 2026 · Live data: floridakeys, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
HARBOUR SHORES, SI market snapshot (as of July 27, 2026): the median sale price is about $330K, and a median 94 days on market for closed sales. The trailing-12-month median is down 43% from the prior 12 months, computed from record-level floridakeys closed sales (4 closings in the current window).
Harbour Shores is a small waterfront-oriented community on Stock Island where the median closed price sits at $330,000 — modest by Florida Keys standards — but the shallow transaction volume means that figure should be treated as a reference point rather than a firm market consensus.
Who HARBOUR SHORES, SI is best for.
Best for
- A buyer seeking a foothold near Key West at a median price point below the island's core, who has the patience a 94-day median market demands.
- An investor or second-home buyer comfortable underwriting value from thin comps and individual property characteristics rather than community-level trend data.
- A buyer focused on water access and Stock Island's working waterfront character rather than curated neighborhood amenities.
Probably not for
- A buyer who needs broad, reliable comparable sales to establish confidence in pricing — four closings cannot support that level of certainty.
- Anyone expecting shared community amenities; none have been identified in current MLS listings.
- A buyer on a tight decision timeline — the median days-on-market indicates this market moves slowly, and rushed offers without solid comps carry meaningful pricing risk.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 27 of each year, from record-level floridakeys closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($330K) IS the median in the snapshot above, and the move from 2025 ($582K) IS the -43.3% one-year change.
Windows contain 1 to 5 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The HARBOUR SHORES, SI buying strategy.
If we were buying in HARBOUR SHORES, SI today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in HARBOUR SHORES, SI.
What the numbers actually say
Four closings is not enough data to draw confident conclusions about direction. The 43-plus-percent year-over-year drop in median price is striking, but in a market this thin it can represent a mix-shift — fewer high-end sales, one distressed transaction, or simply different units trading — rather than a true price correction. Buyers should pull individual comparable sales and examine condition, lot type, and water access on each before forming a view.
No community amenities were identified in current MLS listings, which matters for underwriting lifestyle expectations. Stock Island itself offers working waterfront character, proximity to Key West services, and a marina ecosystem, but Harbour Shores specifically should be evaluated on the merits of the individual parcel and its water orientation, not on assumed shared amenities. The extended median days-on-market reinforces that this pocket rewards buyers who do the homework rather than those who move on impulse.
The location and the amenities are priced into every listing in HARBOUR SHORES, SI. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Thin-volume markets in the Florida Keys require a broker who reads transaction-level data rather than headline percentages, and who knows when a dramatic year-over-year swing is a story about mix-shift versus genuine distress. Momentum's analytical approach means we will show you what those four closings actually represent before you make an offer — and we will tell you plainly if the numbers do not support the asking price.
HARBOUR SHORES, SI in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a HARBOUR SHORES, SI buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed HARBOUR SHORES, SI sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in HARBOUR SHORES, SI, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your HARBOUR SHORES, SI home worth?
Get a no-obligation home value based on real comparable sales in HARBOUR SHORES, SI, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in HARBOUR SHORES, SI?
How long do homes in HARBOUR SHORES, SI take to sell?
Do cash buyers compete in HARBOUR SHORES, SI?
Who is the best real estate agent for HARBOUR SHORES, SI?
How do I find a top Stock Island real estate agent who knows HARBOUR SHORES, SI?
Can Momentum Realty connect me with an agent for HARBOUR SHORES, SI?
Should you buy in HARBOUR SHORES, SI?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | floridakeys closed sales, 12-month windows ending July 27, 2026 |
| Historical depth | Closed-sale records back to 2000 (65 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of floridakeys records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the floridakeys member average and 8 days faster, and we’ll price yours against live your area comps.
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