Stock Island Apartment Complexes — Pros & Cons From Real Resident Reviews
2 communities reviewed · Updated Jul 2026
Stock Island sits just northeast of Key West across a narrow channel and is home to the working commercial fishing fleet, boatyards, and RV communities, alongside a small amount of traditional apartment housing shaped by the Lower Keys' extreme land scarcity.
As of mid-2026, most 'Stock Island' apartment listings on major aggregator sites are actually located across the channel in Key West proper; only a couple of small multifamily properties, including one HUD-subsidized affordable community, sit genuinely within the Stock Island CDP boundary.
Quick comparison
| Complex | Neighborhood | Beds | Advertised rents | Built |
|---|---|---|---|---|
| 6529 Maloney Avenue Apartments | Mixed unit sizes (14 units total) | Not publicly listed | 1975 | |
| Stock Island Apartments | 1-3 BR | Income-restricted (HUD / Florida Housing Finance Corporation subsidized) | 1995 |
Rents are approximate, from public listings at review time — confirm with the property.
Other
Florida renter essentials
Renters insurance is not optional here. Most Florida leases require it, and standard policies do NOT cover flood damage — that needs a separate flood policy, even in an apartment. Before signing, look up the building's flood zone on FEMA's flood map service and ask which evacuation zone it sits in.
Ask about the real monthly cost. The most common complaint in Florida apartment reviews isn't noise — it's fee stacking: valet trash, common-area electric, mandatory bulk internet, pest control, admin and tech fees. Get the full itemized monthly figure in writing before you apply.
Tour with the AC running and ask about hurricanes. Humidity control is the difference between a fine unit and a moldy one; ask how old the AC is. And ask directly how the building handled the last major storm — communities that performed well say so happily, and reviewers call out the ones that didn't.
Moving to Stock Island?
Once you've picked a place, our Stock Island directory covers the rest of the move — movers, internet, utilities setup, and every home service you'll need.
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