Five asymmetrical, discontinuous, stratigraphically successive Pleistocene reef tracts rim the windward platform margin off the Florida Keys. Built of large head corals, the reefs are imposing in relief (???30 m high by 1 km wide), as measured from seismic profiles. Well dated to marine oxygen isotope substages 5c, 5b, and 5a, corals at depth are inferred to date to the Stage 6/5 transition. The size of these reefs attests to late Pleistocene conditions that repeatedly induced vigorous and sustained coral growth. In contrast, the setting today, linked to Florida Bay and the Gulf of Mexico, is generally deemed marginal for reef accretion. Incursion onto the reef tract of waters that contain seasonally inconsistent temperature, salinity, turbidity, and nutrient content impedes coral growth. Fluctuating sea level and consequent settings controlled deposition. The primary dynamic was position of eustatic zeniths relative to regional topographic elevations. Sea level during the past 150 ka reached a maximum of ???10.6 m higher than at present ???125 ka, which gave rise to an inland coral reef (Key Largo Limestone) and ooid complex (Miami Limestone) during isotope substage 5e. These formations now form the Florida Keys and a bedrock ridge beneath The Quicksands (Gulf of Mexico). High-precision radiometric ages and depths of dated corals indicate subsequent apices remained ???15 to 9 m, respectively, below present sea level. Those peaks provided accommodation space sufficient for vertical reef growth yet exposed a broad landmass landward of the reefs for >100 ka. With time, space, lack of bay waters, and protection from the Gulf of Mexico, corals thrived in clear oceanic waters of the Gulf Stream, the only waters to reach them.