Aedificio

Condo in Key Largo, Monroe County, FL · 40 units · built 1978

Cay Harbor at Ocean Reef Club

12 Grayvik Dr, Key Largo, FL 33037-3712

40 units Built 1978
Records last updated Jul 2026 · Sources: FL DBPR · County records · FEMA Is this your building? Request a correction

Overview

Cay Harbor at Ocean Reef Club is a highly sought-after waterfront condominium community in Key Largo, offering upscale living with deep water dockage and immediate access to the ocean. Built in 1978, this exclusive neighborhood features beautiful resort-style amenities and walking distance to the heart of the private club.

Overview compiled from public sources — verify details independently.

At a glance

Facts, not verdicts
Records verified 1 of 6
Structure
Built 1978
Milestone
Being verified
Flood
Being verified
Wind
Being verified
Fees
Being verified
Reviews
Being verified

40 residential units on record.

Is Cay Harbor at Ocean Reef Club safe? Structure & milestone status

Stories Being verified
Year built 1978 Source: County property records
Structure type Being verified
Milestone inspection (SB 4-D) Being verified

What are the HOA fees at Cay Harbor at Ocean Reef Club?

Fee information for this building is being verified from public records.

What is the flood risk at Cay Harbor at Ocean Reef Club?

Flood and wind exposure for this building are being verified from FEMA and county records.

Permits & activity

Permit activity is being compiled from the county building department index.

Get the full building report

We're compiling special-assessment history, reserve funding status, and structural-safety records for this building. Get notified when the full safety & financial report is ready.

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Frequently asked

Is Cay Harbor at Ocean Reef Club safe to live in?

Aedificio doesn't grade or judge buildings. What we can tell you is factual. Applicability is a regulatory classification and does not indicate any problem. For a professional assessment, consult a licensed inspector.

What are the HOA fees at Cay Harbor at Ocean Reef Club?

We're verifying this building's fee information from public records. Sign up above to be notified when it's published.

Does Cay Harbor at Ocean Reef Club require a milestone inspection?

Based on available records, this building is not classified within the 3+ story milestone-inspection requirement. Verify with the association.

Can you get a mortgage on a condo here?

Condo mortgage eligibility depends on the project's "warrantability" (Fannie Mae / Freddie Mac criteria: owner-occupancy, reserves, litigation, insurance). Aedificio surfaces the public inputs; your lender makes the warrantability determination.

Is Cay Harbor at Ocean Reef Club in a flood zone?

We're verifying this building's FEMA flood-zone designation. Sign up to be notified.