45 Ocean Homes for Sale

45 Ocean is a gated, waterfront community in Highland Beach, Palm Beach County, Florida. Active listings are priced from $545,000 to $749,000. Homes were built starting 1974. Pure Equity lists homes in 45 Ocean and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers 45 Ocean and the Highland Beach area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 18 45 Ocean Highland Beach homes for sale as of October 2026. The median asking price is $725,000. Asking prices run from $419,000 to $980,000.

That is 27% below the Highland Beach median of $995,000. On a per-foot basis, homes here ask about $659 per square foot, compared with $696 across Highland Beach. So the median price buys roughly 1,100 square feet of living area.

Listings here have averaged 109 days on the market. That tracks the Highland Beach average of 117 days, so pricing and terms follow the wider city market.

Homes listed in 45 Ocean date from 1974, so they are about 52 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Condo buyers should also know Florida's 2022 condo safety law. It requires milestone structural inspections for buildings three stories or taller as they age. It also requires a structural integrity reserve study. Before you sign, request both reports and the current reserve balance.

45 Ocean is a gated community. Therefore, expect to register visitors and contractors with the gate before each visit.

45 Ocean includes waterfront homes. Waterfront lots in South Florida often sit in FEMA special flood hazard areas, where lenders require flood insurance. Before you commit, look up the address on the FEMA Flood Map Service Center and ask the seller for an elevation certificate.

45 Ocean is a condo building. Also request the association budget, recent minutes and any special assessments before you sign.

Rentals in 45 Ocean have a median asking rent of $5,725 per month, across 6 active rental listings. For comparison, the Highland Beach median is $8,000, so rents here run 28% lower.

For investors, those medians imply a gross yield near 9.5% a year. However, that figure comes before HOA dues, property tax, insurance and vacancy. Also check the association documents first, because many Florida HOAs cap leases or set minimum terms.

You can browse current Highland Beach rentals or ask us for a rent estimate on a specific 45 Ocean home.

Here is what the median 45 Ocean price means in Florida closing terms. At $725,000, a 20% down payment comes to about $145,000, leaving a loan near $580,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $2,029. Next, the intangible tax of 0.2% adds about $1,159. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the 45 Ocean median, that is about $5,072.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent 45 Ocean listings show assignments to J. C. Mitchell (elementary), Boca Raton Community (middle) and Boca Raton (high). However, boundaries can change each year, so confirm the assignment for a specific address with the School District of Palm Beach County.