545 Ocean Cay

Key Largo, FL 33037

$6,950,000
Price
3
Beds
4,728 Sq. Ft.
$1,470 / Sq. Ft.
4,728
Sq. Ft.
$1,470
per Sq. Ft.
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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...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. Two fully equipped outdoor grill/kitchen areas allow for seamless entertaining, from casual afternoons by the pool to unforgettable sunset dinners. For boaters, this is the ultimate base. Enjoy 100 ft of deep-water dockage with premium Zuri decking, multiple dock boxes, a shaded Tiki, dedicated lounging area, boat lift, and a specialty-designed kayak elevator for easy launching. Inside, the home blends soaring ceilings, natural light, and thoughtful craftsmanship. The chef's kitchen impresses with a Miele gas stove, oversized Sub-Zero refrigeration, stone countertops with integrated backlighting, and seamless flow to the dining and great rooms. A second bar area creates the perfect spot for conversation and cocktails. A private elevator services all three levels. The second floor features two bedrooms, two full baths, a laundry room, ocean-view dining, and expansive indoor- outdoor living. The third level hosts two generous office spaces and a serene oceanfront primary suite with a spacious spa-style bath. Built for peace of mind, the home includes impact-rated bi-fold doors and windows, electric rolladen shutters, and hurricane rated electric screens to protect your porches and furnishings at the touch of a button. Additional features include a lower-level carport, storage rooms, irrigation, landscape lighting, and
  1. Listed by JOY C MARTIN • American Caribbean Real Estate, Christie's International Real Estate

Property Details for 545 Ocean Cay

Waterfront
Oceanfront, Open Water, Canal Front
Waterfront
Yes
Zoning
IS - Improved Subivision District
Subdivision
Port Largo (100.0)
Directions
MM 100-- Turn east onto Ocean Cay Dr and follow to gate at end of street. Gated Community.
View
Canal, Ocean View, Water View
Vehicle Storage
Garage, Covered Parking, Open Parking, Attached, Carport
Pets
Pets Allowed
LISTING UPDATED: 12/29/2025 02:19 PM

Property Details for 545 Ocean Cay

StatusActive
MLS #617309
Days on Market46
Taxes$17,540 / year
HOA Fees$3,000 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single
Year Built2001
Lot Size0.28 AC / 12,120 SF
CountyMonroe County

Location

Listing Courtesy of American Caribbean Real Estate, Christie's International Real Estate
Add your commute

Building Information for 545 Ocean Cay

Stories3Year Built2001Building Size-Lot Size0.28 AC / 12,120 SF

Payment Calculator

$36,054 per month

30 year fixed, 6.28% Interest

Principal and Interest

$34,342

Property Taxes

$1,462

HOA Dues

$250

The Payment Calculator is for illustrative purposes only.

Property Information for 545 Ocean Cay

Summary
Location and General Information
  • Waterview: Ocean View, Open Water View, Canal View
  • Area: 27 - Key Largo MM 97-107
  • Absolute Longitude: 80.429841
  • Control Depth: 6
  • Listing Board: Florida Keys
  • Side: Ocean
  • Mile Marker: 100.0
  • Marathon Neighborhood: N/A
  • Key/Island: Key Largo
Taxes and HOA Information
  • Association Info: Mandatory Home Owners Asc: Yes
  • Association Info: 1st Right of Refusal: No
  • Fee Includes: Security
  • Furnished: Unfurnished
  • Tax Year: 2025
  • Tax Exemptions: None
Property
Lot Information
  • Acres: 0.28
  • Parcel #: 00453475-016100
  • Land Size: 1/4 - 1/2 Acre
Property and Assessments
  • Legal: PORT LARGO FIFTH ADDITION KEY LARGO PB6-109 LOT 545 & PT PVT RD OR796-2450 OR866-293/295 OR1003-1510/1513E OR1010-904/90
  • MLS Approved: Y
  • SqFt Source: Property Data Card
  • Flood Zone: VE,VE
  • Rentals Allowed: With Restrictions
  • Deed Restrictions: Unknown
  • Picture Count: 73
  • Document Count: 0
  • Building Style: Above Flood: Unknown
  • Security: Electric Gate
  • Title: Title Ins - Buyer
Utilities
  • Utilities: FKAA, Buyer to Verify, Municipal Sewer
  • Pub Sewer HkUp: Yes
  • Pool: Yes
  • Pool Info: Other: Spa is Gas
  • Pool Info: Heated: Yes
  • Pool Info: Other Material: 4 pumps, 2 heaters
  • Pool Info: Other Surroundings: 5 waterfalls
  • Pool Info: In Ground, Salt Water
  • Porch/Balcony: Open Porch/Balcony
Interior and Exterior Features
Interior Features
  • Floor: Tile
  • Interior Features: Cathedral Ceilings, Bar, Walk-in Closet(s), Storage, Security System, Elevator, Built-in Cabinets, Pantry
  • Appliances: More Appliances, Stainless Steel Appliance(s), Wine Cooler, Ice Machine, Gas Appliances, Freezer, Microwave, Oven, Range, Refrigerator, Dishwasher, Dryer, Washer
Exterior Features
  • Roof: Metal Roof
  • Shutters: Roll Down Electric
  • Dockage: Dock Length: 100
  • Dockage: Dock: Composite
  • Construction: CBS
  • Dockage: Boat Lift
  • Exterior Features: Built-in Grill, Water Display, Sprinkler System, Outdoor Kitchen, Lighting, Hot Tub, Gazebo, Fencing, Chickee Hut
  • Windows/Doors: Impact Rstnce Window, Impact Rstnce Doors
Room Information
  • Specialty Rooms: Laundry Room

Property History for 545 Ocean Cay

DateEvent & SourcePriceAppreciation
Nov 13, 2025

Listed (Active)

MiamiRE #A11914298

$6,950,000—
Nov 13, 2025

Listed (Active)

FKMLS #617309

$6,950,000—
DateEvent & SourcePrice
11/13/2025

Listed (Active)

MiamiRE #A11914298

$6,950,000
11/13/2025

Listed (Active)

FKMLS #617309

$6,950,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 545 Ocean Cay

Taxable ValueLand-Additions-Total-
Tax Record2024$16,709 ($1,392 / month)
Home Facts
Beds3Baths2Total Finished SqFt4,728 SqFtAbove Grade Finished SqFt4,728 SqFtStories3Lot Size14,078 SqFtStyleSingle Family ResidenceYear Built2001Year Renovated2018CountyMONROEAPN00453475-016100

Schools near 545 Ocean Cay

This home is within Monroe.
Rating
School
Type
Grades
Distance
Key Largo School
Public - PK to 8
Coral Shores High School
Public - 9 to 12
Ocean Studies Charter
Charter - K to 8
Upper Keys Academic Connections for Excellence
Public - 6 to 12
Rating
School
Distance
Key Largo School
PublicPK to 8

Coral Shores High School
Public9 to 12

Ocean Studies Charter
CharterK to 8

Upper Keys Academic Connections for Excellence
Public6 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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More information about 545 Ocean Cay, Key Largo, FL 33037

545 Ocean Cay is a single family home for sale in Key Largo, FL 33037. This property was listed for sale on November 13, 2025 by American Caribbean Real Estate, Christie's International Real Estate, it's currently listed at $6,950,000. This listing's school district is Monroe. Nearby schools include Key Largo School, Coral Shores High School and Ocean Studies Charter. 545 Ocean Cay is a 3-bed, 4-bath, 4,728 sqft single family home built in 2001.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity. Subject to change at any time. Compass makes no guarantee, warranty or representation regarding the accuracy of any waterfront feature, water view or waterfront view.

Listing Courtesy of American Caribbean Real Estate, Christie's International Real Estate

Based on information from one of the following Multiple Listing Services: Beaches Multiple Listing Service, Inc., Martin County REALTORS® of the Treasure Coast, Inc., Miami Association of REALTORS®. Information being provided is for the visitor’s personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by Beaches Multiple Listing Service, Inc., Martin County REALTORS® of the Treasure Coast, Inc., Miami Association of REALTORS® is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited. Property information referenced on this web site comes from the Internet Data Exchange (IDX) program of the MLS. This web site may reference real estate listing(s) held by a brokerage firm other than the broker and/or agent who owns this web site. For the avoidance of doubt, the accuracy of all information, regardless of source, is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals.