Pumpkin Cay Garden Homes is a private condominium and garden home community located in North Key Largo, Florida (ZIP 33037), within the exclusive Ocean Reef Club gated community. This residential enclave features deeded properties primarily along Pumpkin Cay Road and Marlin Lane, offering waterfront and garden-style homes built mostly in the late 1970s. The community emphasizes a relaxed Florida Keys lifestyle with access to premium club amenities while maintaining strict architectural and maintenance standards governed by the Ocean Reef Club Association (ORCA).
HOA Fees and Financial Obligations HOA fees vary by unit but typically range from approximately $1,649 to $2,736 quarterly, with some listings showing monthly fees around $2,406 depending on the specific property and services included. These fees generally cover common area maintenance, landscaping, insurance for shared structures, and access to community facilities. Additional assessments may apply for capital improvements or special projects. Owners are also responsible for individual property taxes and any club membership dues if applicable.
Rules and Regulations The community adheres to Ocean Reef Club's Building Regulations and Restrictions (BRR), which include detailed guidelines on setbacks, exterior colors, materials, landscaping, and construction permits. All modifications require approval from the Architectural Review Committee (ARC). Properties in Pumpkin Cay Garden Homes & Condominiums follow specific setback rules, such as front setbacks of 28 feet for first floor or second living levels. Noise, parking, and short-term rental policies are enforced to preserve the residential character. Pets and boat storage are regulated.
Community Amenities and Lifestyle Residents enjoy a community pool and pool house, with access to the broader Ocean Reef Club's world-class facilities including golf courses, marinas, beaches, fitness centers, and dining options. The gated setting provides privacy and security in a tropical paradise environment ideal for boating, fishing, and relaxation.
Notable Aspects As part of the prestigious Ocean Reef Club, Pumpkin Cay offers exclusivity with proximity to the Atlantic Ocean and Florida Bay. Homes often include private boat slips or docks. The community balances intimate garden home living with full club privileges.
Management Company: Ocean Reef Club Association (ORCA) / Ocean Reef Clubs Phone: 305-367-5921 (Membership Department); 800-741-7333; Community: 305-367-3232 Email: Details not publicly available Website: https://www.oceanreef.com/ Address: 35 Ocean Reef Dr. #200, Key Largo, FL 33037