South Florida Condo Fee Index · development report · as of October 18, 2026 · Highland Beach, Palm Beach County
45 Ocean, Highland Beach: condo fees, what sold, and what is for sale today
As of October 18, 2026, the median monthly-equivalent association fee among 19 active 45 Ocean listings with a usable fee is $1,601, 8% below the Highland Beach condo median of $1,734. 19 45 Ocean condominiums are listed for sale in Highland Beach. 9 of 19 active listings have recorded current asking price below original (47.4%).
Over the twelve months October 2025 to September 2026, 5 45 Ocean condos closed at a median $490,000, a median 22% under their original asking price.
Key takeaways
- Median listed association fee in 45 Ocean: $1,601/mo across 19 active listings with a usable fee, 8% below the Highland Beach condo median of $1,734.
- 5 45 Ocean condos closed October 2025 to September 2026 at a median $490,000, 78% of original asking price.
- 19 45 Ocean condos are for sale as of October 18, 2026 at a median asking price of $699,999; 9 of 19 show a current asking price below original (47.4%).
- Median recorded cumulative days on market among active listings: 128.
- Buildings here date from 1974, so Florida milestone inspection rules apply.
Small sample: 45 Ocean has fewer than 20 condos for sale and fewer than 20 closings in the window, so single listings move these figures. Read them as indicative and check the counts under each number.
The fees displayed are only as accurate as the brokerage that provided them in its individual listings through the multiple listing service. Information is deemed to be reliable but not guaranteed.
For 45 Ocean owners
Own a condo in 45 Ocean? The association fee is fixed at sale. The asking price is your decision.
Buyers comparing 45 Ocean condos see the listed monthly association fee beside every asking price and weigh the two together. You cannot change the association fee when you sell; you can set the price with the association fee, the closed sales and the current competition in 45 Ocean already accounted for.
37.2% of active condo listings in Highland Beach have a recorded asking price below their original list price. For fee comparisons, 45 Ocean, Highland Beach has 19 active listings with a usable listed monthly-equivalent fee, as of October 18, 2026; this community sample is not percentile-trimmed.
The data comes from the segment and recorded fields available in PBP Real Estate's BeachesMLS feed, as of the date shown. Gia Freer, Broker of Record, turns comparable sales and current competition into one written pricing opinion for your 45 Ocean condo, with the reasoning, before it goes live.
No website estimate, no automated number: a written opinion of value prepared by hand, within one business day.
Request a pricing opinion for your property
Buying in 45 Ocean? Email me when a new 45 Ocean unit lists, or browse every unit for sale.
Own in 45 Ocean? Pricing correctly is a skill. Gia Freer prices your condo from this data, with the association fee factored in.
Ask Ava about this dataPrice my 45 Ocean condo correctlyFor buyers and sellers: Sellers here are asking a median $699,999 while the last twelve months of sales closed at a median $490,000, 78% of the original asking price. That gap, plus 19 competing units, is the pricing reality a 45 Ocean seller starts from; the listed fee median of $1,601/mo among 19 active records with a usable fee is a comparison point, not a quote for a specific unit. Confirm its actual fee and coverage with the association.
The story for media: "5 condominiums in 45 Ocean, Highland Beach, sold between October 2025 and September 2026 at a median price of $490,000, or 78% of their original asking price, while 19 remain for sale; the median listed monthly-equivalent association fee is $1,601 among 19 active records with a usable fee, according to PBP Real Estate's daily analysis of BeachesMLS data as of October 18, 2026."
What condos actually sold in 45 Ocean, month by month
Source: BeachesMLS via PBP Real Estate's brokerage feed, condominium listings permitted for internet display. Active and under contract as of Oct 18, 2026; closed sales October 2025 to September 2026. Deemed reliable but not guaranteed.
Range $420,000 to $640,000. Sold figures cover listings permitted for internet display and closed between October 1, 2025 and September 30, 2026; they are counts and medians, never an opinion of any unit's value.
Where the 45 Ocean fee sits among Highland Beach condos
Shaded band = 25th to 75th percentile of Highland Beach condo fees for sale today. Source: BeachesMLS via PBP Real Estate's brokerage feed, condominium listings permitted for internet display. Active and under contract as of Oct 18, 2026; closed sales October 2025 to September 2026. Deemed reliable but not guaranteed.
Inside 45 Ocean the middle half of fees runs $1,601 to $1,601 a month ($1.46 per square foot). 15.8% of listings quote the fee quarterly; all figures are converted to monthly. Units that sold in the last twelve months carried a median fee of $1,601 at the time of listing.
What the 45 Ocean fee includes, as entered by listing brokers
- Water 73.7%
- Common areas 68.4%
- Security 68.4%
- Cable TV 68.4%
- Trash 63.2%
- Grounds 57.9%
- Sewer 52.6%
- Pool 47.4%
- Building insurance 42.1%
- Internet 42.1%
Share of the 19 45 Ocean listings that state what the fee covers. Utilities, insurance and reserves change what a fee is worth; compare coverage before dollars.
What condos are for sale in 45 Ocean today
Source: BeachesMLS via PBP Real Estate's brokerage feed, condominium listings permitted for internet display. Active and under contract as of Oct 18, 2026; closed sales October 2025 to September 2026. Deemed reliable but not guaranteed.
See every 45 Ocean listing with photos, fees and days on market, or get an email when a new 45 Ocean unit lists.
Counts of the condominium listings for sale whose agent-written public remarks mention each item; not verified and not a statement about the association. Ask for the budget, reserve study and any assessment resolution before writing an offer.
Schools for 45 Ocean
The School District of Palm Beach County assigns the center point of 45 Ocean to these three public schools. Assignments are set by street address and can change; confirm the unit’s address with the district locator before you rely on it.
37 private schools registered with the Florida Department of Education sit within 5 miles of 45 Ocean.
Sources: School District of Palm Beach County attendance-zone GIS layers, retrieved 2026-09-19; FL DOE Private School Directory. Straight-line distances from the listing center point. PBP does not rank or rate schools.
Own in 45 Ocean, or rent a condo in Highland Beach?
The median asking price among the 19 45 Ocean condos for sale is $699,999 and the median stated fee is $1,601 a month (19 listings state one). 18 of the 19 units for sale are 2-bedrooms, asking a median $699,950. The median closed condominium lease in Highland Beach over the last 13 months was $7,350 (n=30). Month one, before principal is counted:
| Own, first year, per month | Rent, per month | ||
|---|---|---|---|
| Principal and interest, 30-year fixed at 7.37%, 20% down | $3,866 | Median Highland Beach condominium lease | $7,350 |
| Property tax with homestead, 15.8455 mills | $871 | Renter’s insurance | $25 |
| Condo insurance (HO-6), county average | $193 | ||
| 45 Ocean median fee | $1,601 | ||
| Interior maintenance, 0.5% of price a year | $292 | ||
| Gross monthly cost to own | $6,823 | Gross monthly cost to rent | $7,375 |
Owning is $552 a month cheaper on day one; about $441 of the owner’s payment is principal in year one, so the owner is ahead by about $993 once principal is counted. Cash at the door for the owner: $161,000 (20% down plus 3% closing). Highland Beach rental market: what leases actually closed at.
Estimates for comparison only, not financial, tax or legal advice. Rate: Mortgage News Daily 30-year fixed rate index, 2026-10-16. Tax: 2025 total millage for HIGHLAND BEACH, two $25,000 homestead exemptions (s. 196.031, F.S.). Insurance: county average HO-6 premium, FLOIR. Special assessments, club dues and land-lease payments are not in the fee figure. Same assumptions as the published Highland Beach rent-vs-own comparison.
What the recorded flags mean for a 45 Ocean buyer
- Special assessment mentioned, 2 of 19 listings
- A special assessment is a charge on top of the regular fee, adopted by the board for a specific purpose such as a repair, a reserve shortfall or an insurance increase. Ask the association for the adopting resolution, the amount per unit, what it pays for and the payment schedule. Who pays the unpaid balance at closing is negotiable between buyer and seller and should be written into the contract.
Counts are of the listings for sale whose agent-written public remarks mention each item. They are not a statement about the association and the absence of a mention is not confirmation that none applies. Financing terms and eligibility for a specific unit are decided by the lender and its investor, not by this page. Review the association documents, budget and reserve study with your own advisers before writing an offer.
What do buyers and sellers ask about 45 Ocean?
What is the condo fee in 45 Ocean, Highland Beach?
As of October 18, 2026, the median monthly-equivalent association fee across the 19 45 Ocean condominiums for sale that state a fee is $1,601; the middle half runs $1,601 to $1,601. That is 8% below the Highland Beach condo median of $1,734. The fees displayed are only as accurate as the brokerage that provided them in its individual listings through the multiple listing service. Information is deemed to be reliable but not guaranteed.
What did condos in 45 Ocean sell for?
5 45 Ocean condominiums closed between October 1, 2025 and September 30, 2026 at a median $490,000 ($445 per square foot), ranging from $420,000 to $640,000. The median sale closed at 78% of the original asking price and 94.6% of the final asking price, after a median 126 cumulative days on market. Closings are reported to the MLS with a lag, so the window ends with the last full month; 0 October 2026 closings have been reported so far and are not in the medians.
How many 45 Ocean condos are for sale, and are prices being cut?
19 45 Ocean condominiums are listed as of October 18, 2026, asking from $419,000 to $980,000, median $699,999; 0 more are under contract. 9 of 19 active records have current ListPrice below OriginalListPrice (47.4%). Among those 9 records, median reduction is $96,000 and 10.1%; these are separate medians. The remainder is not a never-cut group. Median nonmissing recorded CDOM is 128 days, not an independently reconstructed property history.
Does 45 Ocean have special assessments, age restrictions or membership requirements?
We report what listing agents wrote, not what the association has decided. Among the 19 45 Ocean listings for sale, 2 mention a special assessment in the public remarks; 0 state an age restriction such as 55+; 0 mention a required club or equity membership; 0 mention a land or recreation lease. Confirm every one of these with the association documents before writing an offer.
How is this 45 Ocean report built and how often is it updated?
Refresh is scheduled daily from PBP Real Estate's BeachesMLS data feed: active and under-contract condominium listings in Highland Beach whose subdivision field names 45 Ocean, plus available closings in the twelve months ending September 30, 2026. Use the report's statistical date and qualifying counts. Fees are converted to a monthly equivalent and usable association layers are summed. Medians need five or more records, percentages ten or more; smaller groups are shown as counts. 45 Ocean is a small sample (under 20 listings and under 20 sales), so read its figures as indicative. This is a market read of MLS listing data, not an opinion of value about any unit or a statement about the association's finances. The fees displayed are only as accurate as the brokerage that provided them in its individual listings through the multiple listing service. Information is deemed to be reliable but not guaranteed.
Which public schools are zoned for 45 Ocean, Highland Beach?
The School District of Palm Beach County assigns the center point of 45 Ocean to these three public schools: J.C. Mitchell Elementary, Boca Raton Community Middle School and Boca Raton Community High School. Assignments are set by street address and can change; confirm the unit's address with the district locator before you rely on it. 37 private schools registered with the Florida Department of Education sit within 5 miles.
Is it cheaper to own in 45 Ocean or rent a condo in Highland Beach?
The median asking price among the 19 45 Ocean condos for sale is $699,999 and the median stated fee is $1,601 a month. Owning costs about $6,823 a month before principal ($3,866 principal and interest at 7.37% with 20% down, $871 property tax with homestead at 15.8455 mills, $193 condo insurance, $1,601 fee, $292 interior maintenance), against $7,375 to rent the median Highland Beach condominium ($7,350 lease plus renter's insurance). Owning is $552 a month cheaper on day one; about $441 of the owner's payment is principal in year one. Estimates for comparison only, not financial advice.
Analyst: Gia Freer, Broker of Record, PBP Real Estate, LLC (Lic. BK689801), available on the record: 561-395-8418.
Nearby Highland Beach developments to compare with 45 Ocean
Straight-line distance from 45 Ocean; median monthly fee and units on the market from the same daily snapshot.
More live Highland Beach data
PBP Real Estate analysis of BeachesMLS listings. Refresh is scheduled daily; read each index’s own date and sample.
Own a home or condo in Highland Beach? What closing costs a seller pays in Palm Beach County, line by line
Method: listings whose MLS subdivision field maps to 45 Ocean after normalization (tower, section and phase records merged; master community plus its enclaves), condominiums by tax legal description (a townhouse, villa or house whose legal records a condominium is included), Highland Beach, permitted for internet display in PBP Real Estate's BeachesMLS data feed. Active and under-contract figures are from the daily snapshot as of October 18, 2026; closed sales are from a rolling archive and cover October 1, 2025 to September 30, 2026, the last full month, because closings are reported to the MLS with a lag. Fees are as entered by each listing office, converted to a monthly equivalent, with master and sub-association layers summed. Medians require five or more records and percentages ten or more; smaller groups are shown as counts. Remark-based flags are keyword classifications of agent-written text and are not verified. Nothing here is an opinion of value about any property or a statement about any association's finances. The fees displayed are only as accurate as the brokerage that provided them in its individual listings through the multiple listing service. Information is deemed to be reliable but not guaranteed.
All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc.
IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. Data last updated October 18, 2026.
Moving to Palm Beach County
Moving to 45 Ocean? Everything in one place
- Moving to Palm Beach County guide — prices by city updated daily, houses and condos kept separate, homestead and insurance basics, and how to plan the search.
- Search homes for sale in Highland Beach — live BeachesMLS search; email me new listings.
- Public schools: check the address — The School District of Palm Beach County assigns schools by address, not by neighborhood name. Check each address in the district's Find My School locator before you sign.
- Highland Beach guide — what living there is like, where to look and what to check before you offer.
- All 30 Palm Beach County cities — market data, guides and search for each one.