Introduction
If you’re searching for a dessert that feels like a tropical getaway in every bite, this Delicious Creamy Coconut Cake is exactly what you need. With its rich layers, luscious coconut-infused filling, and creamy whipped topping, this cake is not just a treat—it’s a showstopper. Perfect for holidays, birthdays, or any time you want to impress family and friends, this cake delivers both elegance and flavor in one irresistible package.
My recipe story
I first discovered this coconut cake recipe years ago at a family gathering. My aunt brought a version of it to a summer cookout, and it quickly became the most talked-about dish of the day. The combination of cream of coconut, sweetened condensed milk, and whipped topping made the cake unbelievably moist and decadent. Over time, I’ve adjusted the recipe slightly to make it even easier and foolproof, while still keeping its dreamy tropical flavor. Now, it has become a tradition in my home, making appearances at Easter brunch, summer birthdays, and even as a holiday dessert centerpiece.
💡 Why You’ll Love This Recipe
- It’s incredibly moist thanks to a creamy coconut soak that infuses every bite.
- Simple ingredients make this recipe accessible for all levels of bakers.
- Perfect make-ahead dessert since the flavor improves as it rests.
- Tropical flavors make it a refreshing change from classic cakes.
- Versatile enough to serve at casual gatherings or elegant dinner parties.
Ingredient breakdown
The beauty of this coconut cake is in its simplicity. The base starts with a white cake mix, which provides a fluffy and consistent texture without the fuss of making a cake entirely from scratch. This shortcut doesn’t sacrifice flavor but instead allows the creamy coconut mixture to shine through.
The magic happens with the addition of cream of coconut and sweetened condensed milk. Once the cake is baked, small holes are poked into it, and this rich, sweet mixture is poured over the top. It seeps into every nook and cranny, turning an ordinary cake into something unforgettable. Finally, a topping of whipped cream and shredded coconut ties it all together, giving the cake a cloud-like finish with just the right amount of tropical flair.
Equipment you’ll need
- 9×13-inch baking dish (or two 9-inch round pans if making a layer cake)
- Mixing bowls
- Electric mixer or whisk
- Measuring cups and spoons
- Wooden spoon or skewer for poking holes
- Spatula for spreading whipped topping
Step-by-step directions
Step 1: Prepare the cake base
Preheat your oven to 350°F (175°C). In a large mixing bowl, prepare the white cake mix according to the package instructions, usually requiring eggs, oil, and water. Mix until smooth and pour into your prepared baking dish. Bake as directed on the package, typically 25–30 minutes, or until a toothpick inserted into the center comes out clean.
Step 2: Create the coconut soak
While the cake is baking, combine the cream of coconut and sweetened condensed milk in a medium bowl. Stir until fully blended into a silky mixture. This will be poured over the hot cake to add richness and moisture.
Step 3: Soak the cake
Once the cake is out of the oven and still warm, use the handle of a wooden spoon or a skewer to poke holes all over the top. Pour the coconut mixture evenly over the surface, allowing it to seep into the cake. The more holes, the better the soak will distribute.
Step 4: Chill and set
Cover the cake and refrigerate for at least 4 hours or overnight. This resting period ensures that the coconut mixture fully absorbs into the cake layers, creating the moist and creamy texture that makes this recipe special.
Step 5: Add the topping
Before serving, spread a generous layer of whipped topping over the cake. Sprinkle with shredded coconut for a beautiful finish. You can also toast some of the coconut for added flavor and visual appeal.
Step 6: Slice and enjoy
Cut into squares or slices, depending on your serving dish, and serve chilled. Each bite will deliver creamy, coconut-filled indulgence.

Variations & substitutions
If you want to add a twist to this recipe, consider swapping the white cake mix for yellow or coconut-flavored cake mix for extra depth. For a lighter version, use light whipped topping and reduced-fat sweetened condensed milk. You can also add pineapple chunks or a pineapple filling between layers if making a round cake, creating a piña colada-inspired dessert. Another fun option is to fold toasted almonds into the topping for a nutty crunch.
💡 Expert Tips & Troubleshooting
- For best results, chill the cake overnight to let the flavors fully develop.
- If the cake seems too soggy, reduce the amount of cream of coconut slightly.
- Use toasted coconut for garnish if you prefer a nuttier, less sweet topping.
- Make sure the cake is warm when pouring the soak—it absorbs better that way.
- If serving at a party, keep the cake chilled until ready to serve for best texture.
Storage, freezing & make-ahead
This cake stores beautifully in the refrigerator for up to 5 days, covered tightly with plastic wrap or in an airtight container. For freezing, slice the cake into portions, wrap each piece in plastic, and then foil. Store in the freezer for up to 2 months. To serve, thaw overnight in the fridge. Since the flavors intensify as the cake rests, making it a day ahead is actually encouraged—it tastes even better!
Serving ideas & pairings
This creamy coconut cake pairs wonderfully with fresh fruit like pineapple, mango, or strawberries for added freshness. For drinks, serve with iced coffee, a tropical fruit punch, or even a glass of sparkling wine to elevate the occasion. It also makes a stunning centerpiece for Easter, summer barbecues, or holiday dessert tables.
FAQ
Can I use homemade cake instead of a mix?
Yes! A from-scratch white or yellow cake works perfectly. Just make sure it’s sturdy enough to handle the coconut soak.
What’s the difference between cream of coconut and coconut milk?
Cream of coconut is sweetened and thicker, designed for desserts and drinks, while coconut milk is unsweetened and thinner. They are not interchangeable here.
Can I use fresh whipped cream instead of whipped topping?
Absolutely. Fresh whipped cream adds a lighter, more natural touch. Just be sure to stabilize it with a little powdered sugar so it holds up longer.
Can I make this recipe in cupcake form?
Yes, bake cupcakes with the cake mix, poke holes in each, and drizzle the coconut mixture before topping with whipped cream and coconut.
Is this cake very sweet?
It is sweet, but the whipped topping and coconut balance it out. If you prefer less sweetness, reduce the sweetened condensed milk slightly.
Final thoughts
This Delicious Creamy Coconut Cake is a true crowd-pleaser, offering the perfect blend of ease, elegance, and tropical flavor. Whether you’re hosting a holiday, celebrating a milestone, or simply craving something indulgent, this recipe guarantees smiles all around. With its moist texture, coconut-infused richness, and dreamy topping, it’s a cake you’ll find yourself coming back to time and time again. Give it a try, and let this coconut delight become a sweet tradition in your home too.

Delicious Creamy Coconut Cake
- Total Time: 4 hours 45 minutes (including chilling)
- Yield: 12 servings
- Diet: Vegetarian
Description
A moist, fluffy cake infused with sweet coconut cream and topped with whipped cream and shredded coconut. Perfect for celebrations or everyday indulgence.
Ingredients
• 1 package white cake mix (16 oz)
• 1 can cream of coconut (14 oz)
• 1 can sweetened condensed milk (14 oz)
• 1 container frozen whipped topping, thawed (8 oz)
• 1 cup sweetened shredded coconut
Instructions
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Preheat oven to 350°F (175°C) and prepare cake mix according to package directions. Bake in a 9×13-inch pan until a toothpick comes out clean.
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While the cake is still warm, poke holes evenly over the surface with a skewer or spoon handle.
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Mix cream of coconut and sweetened condensed milk in a bowl, then slowly pour over the cake so it seeps into the holes.
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Cover and refrigerate for at least 4 hours or overnight to allow the flavors to soak in.
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Before serving, spread whipped topping evenly over the cake and sprinkle with shredded coconut. Slice and serve chilled.
Notes
This cake tastes even better the next day as the flavors develop. For a twist, toast the shredded coconut for extra flavor and crunch. Store covered in the refrigerator for up to 5 days.
- Prep Time: 15 minutes
- Cook Time: 30 minutes
- Category: Dessert
- Method: Baking
- Cuisine: American