4505 S Ocean Boulevard

Highland Beach, FL 33487

$575,000

$523/ft²

2Beds

2Baths

1,100Sq ft

1974Year built

CondoType

About this home

Welcome to 45 Ocean where you are steps from the ocean while enjoying the vibrant lifestyle of Highland Beach. This split two-bed, two-bath floor plan is designed for comfort and functionality. Both baths were beautifully renovated in 2025. The kitchen is updated and there is plenty of closet space and storage. Enjoy the ocean breeze from your balcony and water views from every window. Plenty of amenities onsite, gym, billards room, saunas, and a party room with full kitchen. Community completed major renovations to include new roofs, concrete restoration, paint, new pool, sundeck and grilling areas. Can rent immediately and it's pet friendly. 45 Ocean has guarded security 24/7.

Features

Waterfront
Private pool

Property details

Listing

MLS #: B26058406
Status: For sale
Listed on: Jul 28, 2026
Days on market: 13 days
Listing data updated: Jul 31, 2026

Interior

Beds: 2
Baths: 2
Living area: 1,100 ft²
Price per ft²: $523/ft²
Unit: 103

Building & community

Type: Condo
Year built: 1974
HOA fee: $1,601/mo
County: Palm Beach

Lot & exterior

Waterfront: Yes
Private pool: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $2,908
Property taxes (est.): $528
Home insurance (est.): $433
Flood insurance (est.): —
HOA fee: $1,601

Estimated total$5,470*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Building structural health (SIRS)

No filing record found

We couldn't find a SIRS filing record for this building in Florida's public DBPR database. That is not a red flag by itself: buildings under three stories are exempt, recent or mailed-in filings may not appear yet, and the name or address on file may differ from this listing.

Questions about this

What is a SIRS and why does it matter?

Since the Surfside collapse, Florida requires condo and co-op buildings three stories or taller to complete a Structural Integrity Reserve Study: an inspection-based plan that forces the association to fund structural repairs (roof, load-bearing walls, plumbing, electrical) instead of deferring them. It matters because underfunded buildings are the ones that surprise owners with large special assessments.

Has this building filed its SIRS?

We didn't find a filing record for this building in the DBPR's public database. Absence of a record does not mean the building is out of compliance — it may be exempt (under three stories), the filing may be recent or on paper, or the recorded name/address may differ. It IS the right question to ask before offering.

What is a special assessment?

A one-off charge the association levies on every owner when reserves don't cover a needed repair — in older coastal buildings they have ranged from a few thousand to over $100,000 per unit. The SIRS exists precisely to make these predictable and funded in advance. Always review the building's budget, reserves and meeting minutes before buying.

What should I check before buying in this building?

Florida law gives buyers the right to review the association's SIRS, milestone inspection reports, budget and reserves — the full study is available from the association by written request. Nilyan requests and walks through these documents with her buyers as part of the offer process.

Source: Florida DBPR public SIRS reporting database. Filing status is self-reported by the association; this is not an audit, inspection or safety certification, and absence of a record does not mean non-compliance. Data as of July 30, 2026.

Want the full structural picture of this building before you offer?