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$6,950,000
Key Largo, FL 33037
MLS# 617309
3 beds | 4 baths | 4728 sqft
1 / 73
Property 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. 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
Details
Maps
Contract Information
Listing Board: Florida Keys
As is Rght to Inspct: Yes
Current Price: $6,950,000
Listing Date: 2025-11-13
List Price: $6,950,000
Location, Tax & Legal
City: KEY LARGO
Mile Marker: 100
Marathon Neighborhood: N/A
Side: Ocean
Flood Zone: VE,VE
Alternate Key #: 1556700
Parcel #: 00453475-016100
Zoning: IS - Improved Subivision District
Deed Restrictions: Unknown
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
Taxes: 17540
Tax Year: 2025
Pub Sewer HkUp: Yes
Street #: 545
Street Name: Ocean Cay
Street Suffix: Drive
Key/Island: Key Largo
State/Province: FL
Zip Code: 33037
County: Monroe
Subdivision: Port Largo (100.0)
Area: 27 - Key Largo MM 97-107
General Property Description
Realtor.COM Type: Residential - Single Family
Waterfront: Yes
Control Depth: 6
Lot SqFt: 12120
Pool: Yes
Total Units: 0
Acres: 0.28
SqFt Source: Property Data Card
Rentals Allowed: With Restrictions
Min Rental Days: 28
Style: Single Family
Year Built: 2001
Living Apx SqFt: 4728
Total Bedrooms: 3
Full Baths: 3
Half Baths: 1
Total Baths: 4
Remarks & Misc
Remarks – Consumer: 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
Directions: MM 100-- Turn east onto Ocean Cay Dr and follow to gate at end of street. Gated Community.
Association Info
Mandatory Home Owners Asc: Yes
1st Right of Refusal: No
Association Fee $: 3000
Assoc/Mnt Fee Per: Yearly
Fee Includes
Security: 1
Dockage
Dock Length: 100
Dock: Composite
Boat Lift: 1
Tax Exemptions
None: 1
Appliances
Dishwasher: 1
Dryer: 1
Freezer: 1
Gas Appliances: 1
Ice Machine: 1
Microwave: 1
More Appliances: 1
Oven: 1
Range: 1
Refrigerator: 1
Stainless Steel Appliance(s): 1
Washer: 1
Wine Cooler: 1
Pets
Pets Allowed: 1
Cooling
Ceiling Fans(s): 1
Central Air: 1
Waterfront
Canal Front: 1
Oceanfront: 1
Open Water: 1
Waterview
Canal View: 1
Ocean View: 1
Open Water View: 1
Floor
Tile: 1
Interior Features
Bar: 1
Built-in Cabinets: 1
Cathedral Ceilings: 1
Elevator: 1
Pantry: 1
Security System: 1
Storage: 1
Walk-in Closet(s): 1
Specialty Rooms
Laundry Room: 1
Building Style
Above Flood: Unknown
Stories: 3 Stories
Windows/Doors
Impact Rstnce Doors: 1
Impact Rstnce Window: 1
Vehicle Storage
Car(s): 4+
Carport: 1
Covered Parking: 1
Garage: 1
Open Parking: 1
Attached: 1
Security
Electric Gate: 1
Construction
CBS: 1
Land Size
1/4 - 1/2 Acre: 1
Furnished
Unfurnished: 1
Terms
Cash: 1
Conventional: 1
FHA: 1
VA: 1
Utilities
Buyer to Verify: 1
FKAA: 1
Municipal Sewer: 1
Porch/Balcony
Open Porch/Balcony: 1
Title
Title Ins - Buyer: 1
Exterior Features
Built-in Grill: 1
Chickee Hut: 1
Fencing: 1
Gazebo: 1
Hot Tub: 1
Lighting: 1
Outdoor Kitchen: 1
Sprinkler System: 1
Water Display: 1
Pool Info
In Ground: 1
Salt Water: 1
Other: Spa is Gas
Heated: Yes
Other Material: 4 pumps, 2 heaters
Other Surroundings: 5 waterfalls
Roof
Metal Roof: 1
Shutters
Roll Down Electric: 1
Status Change Info
Status: Active
Property Features
Fee Includes: Security
Tax Exemptions: None
Waterfront: Canal Front; Oceanfront; Open Water
Waterview: Canal View; Ocean View; Open Water View
Dockage: Boat Lift
Vehicle Storage: Garage; Carport; Attached; Covered Parking; Open Parking
Furnished: Unfurnished
Cooling: Ceiling Fans(s); Central Air
Utilities: Buyer to Verify; FKAA; Municipal Sewer
Interior Features: Bar; Built-in Cabinets; Cathedral Ceilings; Elevator; Pantry; Security System; Storage; Walk-in Closet(s)
Specialty Rooms: Laundry Room
Appliances: Dishwasher; Dryer; Freezer; Gas Appliances; Ice Machine; Microwave; More Appliances; Oven; Range; Refrigerator; Stainless Steel Appliance(s); Washer; Wine Cooler
Exterior Features: Built-in Grill; Chickee Hut; Fencing; Gazebo; Hot Tub; Lighting; Outdoor Kitchen; Sprinkler System; Water Display
Pool Info: In Ground; Salt Water
Construction: CBS
Shutters: Roll Down Electric
Floor: Tile
Roof: Metal Roof
Pets: Pets Allowed
Security: Electric Gate
Land Size: 1/4 - 1/2 Acre
Terms: Cash; Conventional; FHA; VA
Title: Title Ins - Buyer
Supplements
a full-property misting system.
545 Ocean Cay is more than a home it's a lifestyle, an escape, and a rare opportunity in one of the Keys' most cherished neighborhoods.
Listing Office: American Caribbean Real Estate, Christie's International Real Estate
Last Updated: April - 29 - 2026
The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information being provided is for consumers’ personal, non-commeral use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. IDX data is deemed reliable but is not guaranteed accurate by the MLS.