Moon Bay is a waterfront condominium community located at 104350 Overseas Highway in Key Largo, Florida 33037, on Blackwater Sound at approximately Mile Marker 104. This gated, access-controlled community features 85 residential units and a 64-slip marina, offering residents a blend of tropical living with convenient boating access. Established as a condominium association, it emphasizes security through surveillance cameras, neighborhood watch, and 24/7 on-call management.
HOA Fees and Financial Obligations Monthly condo/HOA fees typically range from $700 to $1,111 per unit, covering building exterior maintenance, roof repairs, sewer, security, pest control, common area upkeep, cable, and grounds maintenance. Special assessments may apply for projects, with payments noted to begin July 1, 2026, in recent updates. Owners are responsible for individual unit insurance (HO-6 policy recommended) and must provide proof of liability insurance for renovations. Financial documents, budgets, and reserve studies are available via the association's portal.
Rules and Regulations The community maintains strict rules for residential use only. Rentals require a minimum 7 contiguous days and proper licensing compliance with Monroe County. Maximum occupancy is 6-8 residents depending on unit size. Pets are limited (up to two dogs under 80 lbs or cats, with restrictions in common areas like pools and clubhouse). Pool hours are 8am-10pm daily, with quiet hours observed. No fireworks, open flames on balconies, or storage in common areas. Parking requires decals/permits; commercial vehicles and boat storage are restricted. Gated access, vehicle registration for guests/renters, and water shut-off requirements for vacancies longer than 48 hours are enforced. Remodeling needs board approval and permits. Full rules are detailed in association documents.
Community Amenities and Lifestyle Residents enjoy a heated bayside pool, private beach access, tennis and pickleball courts, basketball, BBQs near the clubhouse, and a renovated clubhouse available for rental. The marina provides boat slips with specific insurance and registration requirements. The gated setting promotes security and a peaceful Keys lifestyle focused on boating, fishing, and waterfront relaxation.
Notable Aspects Moon Bay stands out for its marina facilities and bayfront location ideal for water enthusiasts. Recent projects include roofing updates. Management handles estoppels, rentals, and emergencies. The community maintains active board involvement and resources for hurricane preparedness given its coastal location.
Management Company: Guarantee Property Services, Inc. Phone: 305-262-6120 Email: manager@guaranteemgt.com or trubin@guaranteemgt.com Website: https://www.mbkeylargo.com/ Address: 3785 NW 82nd Ave., Suite 109, Doral, FL 33166 Local contact: Jeff Small (305-240-9019)