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25 photos
+20
Ocean AccessCanal FrontOcean Front
545 Ocean Cay Dr
Key Largo, FL, 33037
$7.0M
3
Bedrooms
3
Bathrooms
—
Living Area
2001
Year Built
Dock & Water Access
Dock Amenities
Waterfront Features
Ocean AccessCanal FrontOcean Front
Description
Where the ocean meets elegance, 545 Ocean Cay delivers an extraordinary expression of Keys coastal living. Set within the coveted, gated enclave of Ocean Cay Estates, this oceanfront residence is crafted for those who value refined comfort, effortless entertaining, and world-class boating. A private tropical oasis unfolds along the water's edge, anchored by an award-winning resort-style pool featuring five waterfalls, a walk-over bridge, a swim-up table, and a separate infinity spa overlooking the blue horizon. The outdoor living spaces feel like a retreat of their own sun terraces, shaded lounging, lush landscaping, and uninterrupted ocean breezes.
Location
Key Largo, FL, 33037
Listing courtesy of American Caribbean Real Estate
Last updated: 3/21/2026
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Dock Score™
90
Based on dock amenities, ocean access, and waterfront features
Dock Score is a DockOnly.com rating. Not provided by or affiliated with the MLS or listing broker.
Mortgage Calculator
Estimate your monthly payment for this waterfront property
20%
$1,390,000 down
%
Principal & Interest$36,062/mo
Property Tax (est. 1.2%)$6,950/mo
Home Insurance (est.)$250/mo
HOA Fees$250/mo
Total Monthly Payment$43,512
Loan Amount: $5,560,000Rate: 6.75%
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Nearest Bridge Clearances
Florida Keys — critical for tall/large vessels
No bridge data available for this location.
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HOA Fee$3,000/Annually
Days on Market114