MALONEY
Homes for Sale in Stock Island, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
MALONEY sits on Stock Island — Monroe County's working waterfront edge just outside Key West — and the market here reflects that position: limited inventory, a median price near $580,000, and a median days-on-market of 44 days. That pace is not slow by accident. Buyers who move on Stock Island properties typically need time to clear financing hurdles specific to Monroe County, including flood insurance underwriting and potential ROGO allocation considerations, so a 44-day close is often efficient rather than sluggish.
The year-over-year price shift is the number that demands attention: -50.1% against a window of only five closings. With that few transactions, a single outlier sale — an estate settlement, a distressed transfer, a teardown — can swing the median dramatically. This figure almost certainly reflects compositional change in what sold, not a collapse in underlying values. Sellers should not panic; buyers should not assume they have found a distressed market. Both sides need comps pulled and analyzed individually before drawing conclusions from that headline number.
MALONEY right now
🔴 Off the recent peak. The trailing-12-month median ($580K) is down 50.1% from the prior 12 months ($1.16M) and up 97% since 2012. With about 6 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 (5 and 6 sales in the two windows).
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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
MALONEY market snapshot (as of July 27, 2026): the median sale price is about $580K, and a median 44 days on market for closed sales. The trailing-12-month median is down 50% from the prior 12 months and up 97% since 2012, computed from record-level floridakeys closed sales (5 closings in the current window).
MALONEY is a small-lot community on Stock Island, Monroe County, where the Florida Keys' coastal scarcity fundamentals apply — no MLS-identified community amenities, a thin transaction pool of five closings, and pricing anchored near $580,000 at last measure. The long-run trajectory, up 97% since 2012, frames how persistently this submarket has compounded value even as short-term data swings with low volume.
Who MALONEY is best for.
Best for
- Buyers targeting the Stock Island corridor specifically, who have already researched Monroe County flood insurance costs and ROGO considerations and are prepared for a 44-day-plus closing timeline.
- Buyers whose budget centers near $580,000 and who want a Keys address with access to Key West's waterfront and services without Key West's highest price points.
- Buyers or investors with a long holding horizon who view the 97% appreciation since 2012 as evidence of durable demand in a supply-constrained market and are comfortable with thin resale liquidity.
Probably not for
- Buyers who need a large pool of active listings to compare before committing — with only five closings in the measurement window, MALONEY offers almost no comparable-sale comfort.
- Buyers expecting a conventional mainland closing experience; Monroe County's insurance underwriting, elevation certificate requirements, and permit history reviews routinely add complexity and time.
- Buyers whose budget requires certainty from market statistics alone — the -50.1% year-over-year swing in a five-closing sample means individual property analysis is non-negotiable, not optional.
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 ($580K) IS the median in the snapshot above, and the move from 2025 ($1.16M) IS the -50.1% one-year change.
Windows contain 1 to 12 sales each (5 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 MALONEY buying strategy.
If we were buying in MALONEY 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 MALONEY.
Reading a thin-volume Keys market
Five closings in the measurement window is the single most important context for every number in this snapshot. The median price of $580,000 and the -50.1% year-over-year figure are both products of an extremely small sample. In a market this size, median price is directional at best — what actually sold (canal-front versus interior, concrete block versus frame, permitted additions versus unpermitted) determines everything. Any buyer or seller relying on the YoY figure as a valuation signal without pulling the underlying sales is making a category error.
Stock Island itself carries characteristics that shape pricing in ways the raw stats cannot capture: proximity to Key West's services and employment, Monroe County's strict growth controls on new residential construction, and the flood insurance reality that runs through every closing. The market heat score of 50 — squarely neutral — is consistent with a micro-market where demand is steady but supply is thin and deals take time to structure properly. Buyers who understand Keys-specific due diligence will close; those expecting a straightforward mainland transaction often do not.
The location and the amenities are priced into every listing in MALONEY. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in MALONEY buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (4.9). Basis: Long-Term Appreciation +97% since 2012; Recent Direction -50.1% year-over-year; Pricing Power 96.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A five-closing market punishes agents who rely on automated price estimates and broad comps pulled from the wrong ZIP code. Momentum's approach in low-volume submarkets like MALONEY is granular: we pull the actual closed transactions, examine what each property was, and build pricing strategy from the ground up rather than from a headline median. For sellers, that means realistic positioning that does not leave money on the table. For buyers, it means an offer grounded in what comparable properties actually traded for — not what a thin-market statistic implies.
MALONEY 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 MALONEY 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 MALONEY sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in MALONEY, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your MALONEY home worth?
Get a no-obligation home value based on real comparable sales in MALONEY, 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 MALONEY?
How long do homes in MALONEY take to sell?
Have MALONEY home prices gone up?
Who is the best real estate agent for MALONEY?
How do I find a top Stock Island real estate agent who knows MALONEY?
Can Momentum Realty connect me with an agent for MALONEY?
Should you buy in MALONEY?
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 1998 (137 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.
Own a home here?
You just read the data. Now see what your home is worth.
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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