Three Waters Resort & Marina – Islamorada Resort Review
Last updated: August 28, 2026
Choose Three Waters Resort & Marina if...
- You're a boater wanting the deepest channel in the Upper Keys with a 72-slip marina, fuel, and boat valet
- You're a family wanting multiple beaches, a swim-up pool bar, and nine dining options
- You're a couple wanting The Cove adults-only retreat with private beach and pool
Skip Three Waters Resort & Marina if...
- You're on a budget — the scale and amenities come with a $65/day resort fee
- You want historic Keys charm — Three Waters is contemporary in design
- You want a small, intimate property — this is 214 rooms across 15 acres
AskTheKeys Traveler Match
How well does Three Waters Resort & Marina fit your trip?
Before you book — the one trade-off
Three Waters is the biggest, most amenity-packed option in Islamorada — but that scale means a contemporary big-resort feel and a $65/day resort fee, not intimacy.
AskTheKeys Decision SummaryThree Waters Resort & Marina is best for boaters, anglers, families, and design-forward travelers wanting a 15-acre oceanfront resort with 214 rooms, 72-slip marina, three beaches, three pools (including the only swim-up bar in the Florida Keys), nine dining venues, and an adults-only retreat (The Cove). Part of the Islamorada Resort Collection with La Siesta and Amara Cay, sharing amenities, Rum Runner water taxi, and local shuttle. Not ideal for budget travelers or guests wanting a small, intimate property.
Choose Three Waters if you want Islamorada's biggest, most amenity-packed resort with a 72-slip marina, three beaches, and nine restaurants. Skip it if you're on a budget or want a small, intimate property with historic charm.
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We handle our lodging checks through Expedia's network engine so you can lock in hidden seasonal discounts and stack your One Key™ rewards points across different island brands.
Before You Book
The details that matter after you've narrowed down your options.
Best for
- Boaters who want the deepest channel in the Upper Keys with 72-slip marina, fuel service, and boat valet
- Anglers seeking a marina-forward home base in the Sportfishing Capital with charter coordination
- Families wanting multiple beaches, swim-up pool bar, nine dining options, and cottage accommodations
- Couples wanting The Cove adults-only retreat with private beach, pool, and fitness studio
- Design-forward travelers who prefer 214 contemporary rooms over small-scale Keys properties
Not ideal for
- Budget travelers — rates reflect the 15-acre scale, marina infrastructure, and nine dining venues plus $65/day resort fee
- Guests wanting historic Keys charm — the resort is contemporary in design and atmosphere
- Travelers wanting a small, intimate property — Three Waters has 214 rooms across 15 acres
Quick facts
| Address | 80241 Overseas Highway, Islamorada, FL 33036 |
|---|---|
| Phone | (305) 433-9942 |
| Check-in / Out | 4:00 PM / 11:00 AM |
| Parking | On-site (complimentary) |
| Pets | Yes (fee may apply) |
| Beach access | Yes |
| Pool(s) | Yes |
| Spa | Yes (full-service) |
| EV charging | No |
Location & nearby
Three Waters Resort & Marina is located in Upper Matecumbe Key within Islamorada.
What's nearby
- Robbie's Marina (Tarpon Feeding)(4.5 mi, 90 min walk)
- Theater of the Sea(1 mi, 20 min walk)
- History of Diving Museum(2 mi, 40 min walk)
- Islamorada Fish Company(1.5 mi, 30 min walk)
- Windley Key Fossil Reef Geological State Park(2.5 mi, 50 min walk)
- Founders Park(2 mi, 40 min walk)
- Anne's Beach(6 mi, 120 min walk)
- Islamorada Brewery & Distillery(3.5 mi, 70 min walk)
Amenities overview
Property highlight features
- 214 island-inspired rooms, suites, and cottages across 15 oceanfront acres
- 72-slip marina with deepest channel in Upper Keys, fuel service, and boat valet
- Three beaches: Main Walk-In Beach, Paradise Beach, and adults-only Cove Beach
- Three pools including Kokomo — the only swim-up bar in the Florida Keys
- Nine dining venues: Kindler, Little Limón, Tiki Bar (home of original Rum Runner), Kokomo, Hideaway, Islamorada Pizza Co., Lucky Twist, Starbucks, Mercado Morada
- The Cove: exclusive 21+ adults-only retreat with private beach, pool, and Wave Motion Studio
- Islamorada Resort Collection: shared amenities with La Siesta + Amara Cay via Rum Runner water taxi
- $65/day resort fee covers all three properties, shuttle (MM 77–85), bikes, water sports, welcome drink
- Dogs welcome ($150 fee, max two per room, no weight limit)
- Complimentary kayaks, paddleboards, cabanas, and bicycle rentals
Pricing positioning
Typical nightly pricing tends to fall in the $$$ range, depending on season and room type.
large-scale oceanfront marina resort with 214 rooms, nine dining venues, three beaches, and adults-only retreat
Compare current room availability and secure member-only pricing.
We handle our lodging checks through Expedia's network engine so you can lock in hidden seasonal discounts and stack your One Key™ rewards points across different island brands.
Independent Decision Engine
Florida Keys Resorts operates as a fully objective, crowdsourced review system. We do not accept paid placements from hotels to alter their scoring records. Instead, we use standardized API connections to provide transparent third-party rate checks for our community.
How Three Waters Resort & Marina Compares to Other Islamorada Resorts
Three Waters Resort & Marina vs Cheeca Lodge & Spa
- Three Waters Resort & Marina wins:214-room oceanfront marina resort with 72 slips, nine dining venues, three beaches, swim-up bar, and The Cove adults-only retreat
- Cheeca Lodge & Spa wins:established luxury beachfront resort with full spa, golf, kids' Camp Cheeca, and Jack's at Cheeca fine dining
Three Waters Resort & Marina vs Amara Cay Resort
- Three Waters Resort & Marina wins:largest IRC property: 214 rooms, 72-slip marina, three beaches, nine dining venues, swim-up bar, and The Cove
- Amara Cay Resort wins:IRC sister property: social-forward boutique with live music, complimentary breakfast, and intimate waterfront feel
Three Waters Resort & Marina vs Islander Resort
- Three Waters Resort & Marina wins:214-room oceanfront marina resort with 72 slips, nine dining venues, three beaches, and adults-only Cove retreat
- Islander Resort wins:24-acre oceanfront-to-bayside resort with 114 bungalows, four dining venues, seaside sports, and private beach
Three Waters Resort & Marina vs Chesapeake Beach Resort
- Three Waters Resort & Marina wins:large-scale oceanfront marina resort with 214 rooms, nine dining venues, three beaches, and swim-up bar
- Chesapeake Beach Resort wins:classic oceanfront lodge with fishing dock, private beach, and villa options at smaller scale
Three Waters Resort & Marina vs Drop Anchor Resort & Marina
- Three Waters Resort & Marina wins:large-scale oceanfront marina resort with 72 slips, 214 rooms, nine dining venues, three beaches, and The Cove
- Drop Anchor Resort & Marina wins:classic marina cottages with smaller boat slips, full kitchens, and old-school Keys character at lower rates
FAQs
Does Three Waters have a marina?
Yes. Three Waters operates a 72-slip marina (including 20 transient slips) with the deepest channel in the Upper Keys. Services include fuel (90 octane gas and diesel), boat valet, and charter fishing coordination. Slip rates are $6/ft nightly and $60/ft monthly (Nov–May), with water and shore power included.
Does Three Waters have a beach?
Yes — three beaches. The Main Walk-In Beach has complimentary kayaks, paddleboards, and cabanas. Paradise Beach is a long stretch of sand for play and beachside yoga. The Cove Beach is an adults-only (21+) lagoon beach with its own water sport rentals.
How many restaurants does Three Waters have?
Nine dining venues: Kindler (upscale steak and seafood — they'll cook your catch), Little Limón (seafood small plates), the legendary Tiki Bar (home of the original Rum Runner cocktail), Kokomo Swim-Up Bar, Hideaway (healthy dining at The Cove), Islamorada Pizza Co. (under a banyan tree), Lucky Twist (soft-serve with bicycle delivery), an on-site Starbucks, and Mercado Morada (breakfast market).
What is The Cove at Three Waters?
The Cove is an exclusive adults-only (21+) retreat within the resort. It has its own private lagoon beach, pool, dining venue (Hideaway), and Wave Motion Studio fitness center with Peloton bikes and ocean-view cardio equipment. Cove King rooms feature king beds with sofa sleepers and private balconies.
What types of rooms does Three Waters offer?
214 rooms across multiple categories: Oceanfront King rooms, Oceanfront One-Bedroom Suites (at The Cove, with kitchenettes and separate living areas), King Rooms, Two Queen Resort View rooms, Cove King rooms, Marina View rooms, and Starlet Coral Cottages. Most have private balconies or walk-out lanais.
Is Three Waters good for fishing?
Yes. The 72-slip marina has the deepest channel in the Upper Keys with direct access to backcountry flats, reef fishing, and offshore deep-sea trips. Boat valet and charter coordination are available. The resort is in the heart of Islamorada, the Sportfishing Capital of the World.
Is Three Waters pet-friendly?
Yes. Dogs are welcome with a $150 non-refundable pet fee per room per stay. Maximum two dogs per room with no weight limit. Dogs must be leashed in common areas including the beach. Pets are not allowed in pool areas, the Tiki Bar, or restaurants.
What does the resort fee include?
The $65/day resort fee covers access to all three Islamorada Resort Collection properties (Three Waters, La Siesta, Amara Cay), Rum Runner water taxi between properties, local shuttle (MM 77–85), daily bicycle rental, daily paddleboard and kayak rentals, one welcome drink per guest, lobby coffee service, enhanced Wi-Fi, and self-parking.
Do you need a car at Three Waters?
A car is helpful but less necessary than at most Islamorada resorts. Nine on-site dining venues cover most meal needs, and the complimentary local shuttle runs between MM 77–85. The Rum Runner water taxi connects to sister properties La Siesta and Amara Cay. Free self-parking is included in the resort fee.