Decadent Three-Layer Chocolate Treat

Category: Decadent Sweets & Treats

This Choco Coconut Dream Cake combines three irresistible layers into one show-stopping dessert. The base is a moist chocolate cake made from boxed mix (with eggs, oil, and water) for convenience without sacrificing flavor. The middle layer features a sweet coconut filling that melts slightly into the warm cake, creating a divine texture contrast. The crowning glory is a silky chocolate ganache made from heavy cream and semisweet chocolate chips. The entire dessert comes together in under an hour of active time, making it perfect for special occasions when you want maximum impact with minimal effort. For best results, allow it to chill completely before serving.

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Updated on Sat, 31 Jan 2026 23:21:53 GMT
A three layer chocolate cake with white frosting and coconut on top. Save
A three layer chocolate cake with white frosting and coconut on top. | yumrica.com

This decadent three-layer Choco Coconut Dream Cake combines moist chocolate cake with sweet coconut filling and smooth chocolate ganache. The best part? It comes together with minimal effort while delivering maximum flavor. Perfect for special occasions or whenever you need a chocolate fix that goes beyond ordinary.

I first made this cake for my daughter's birthday when I was short on time but wanted something special. The combination was such a hit that it's now requested for nearly every family gathering we host.

Ingredients

  • For the Cake Layer Chocolate cake mix the convenience base that saves time but still delivers great flavor
  • Large eggs provide structure and richness to elevate the boxed mix
  • Vegetable oil keeps the cake incredibly moist for days
  • Water the simple liquid that brings everything together
  • For the Coconut Filling Sweetened condensed milk creates a gooey sweet layer that seeps slightly into the cake
  • Sweetened shredded coconut adds tropical flavor and delightful texture
  • Powdered sugar helps thicken the filling to the perfect spreadable consistency
  • For the Chocolate Ganache Frosting Heavy cream the fat content is crucial for a silky ganache texture
  • Semisweet chocolate chips choose high quality for the best flavor since this layer is prominent
  • Vanilla extract adds depth that enhances the chocolate flavor
  • Optional Garnishes Additional shredded coconut creates visual interest and reinforces the coconut flavor
  • Chocolate shavings add an elegant finishing touch with minimal effort

Step-by-Step Instructions

Prepare the Baking Dish
Preheat your oven to 350°F. Thoroughly grease a 9x13inch baking dish or line with parchment paper leaving overhang on the sides. The parchment handles make removal much easier for serving and create cleaner slices.
Mix the Cake Batter
Combine the chocolate cake mix eggs oil and water in a large bowl. Beat with an electric mixer for about 2 minutes until completely smooth. The batter should be thick but pourable with no dry pockets hiding at the bottom of the bowl. Scrape down the sides at least once during mixing.
Bake the Chocolate Base
Pour the batter into your prepared dish and spread it evenly reaching all corners. Bake for 25-30 minutes until a toothpick comes out with just a few moist crumbs. Watch carefully in the last few minutes as even one minute too long can dry out the cake.
Prepare Coconut Filling
While the cake bakes mix the sweetened condensed milk shredded coconut and powdered sugar in a medium bowl. The mixture will be quite thick and sticky almost like a soft cookie dough. This consistency is perfect as it needs to sit on top of the cake without soaking in completely.
Add the Coconut Layer
After removing the cake from the oven let it cool for just 10 minutes. The cake should still be warm when you add the coconut mixture as this helps it adhere properly. Spread the coconut filling gently across the entire surface trying not to tear the top of the cake.
Create the Ganache
Heat the heavy cream in a saucepan just until small bubbles form around the edges. Pour immediately over chocolate chips in a heatproof bowl and let sit undisturbed for 2 minutes. This melting period is crucial for smooth ganache. Then stir gently until glossy and add vanilla at the very end.
Add the Chocolate Layer
Pour the still warm ganache over the coconut layer working quickly before it sets. Start pouring in the center and let it naturally spread outward. Use an offset spatula to guide it to the edges if needed. Add any garnishes now while the chocolate can still hold them.
Chill and Serve
Refrigerate the cake for at least 1 hour or until the ganache is fully set. The contrast between the soft cake sweet coconut and firm ganache is what makes this dessert special. For the cleanest cuts dip your knife in hot water and wipe dry between slices.
A slice of choco coconut dream cake. Save
A slice of choco coconut dream cake. | yumrica.com

The coconut layer is truly what makes this cake special. I discovered this combination after trying to recreate a cake my grandmother used to make for Sunday dinners. Her original recipe was much more complex but this version captures the same nostalgic flavors with far less work.

Making It Your Own

This cake welcomes many variations to suit your taste preferences. For a more intense chocolate experience use a dark chocolate cake mix instead of regular. The bitter notes will contrast beautifully with the sweet coconut filling. You could also add 1 teaspoon of espresso powder to the cake batter to enhance the chocolate flavor without adding coffee taste.

Serving Suggestions

Serve this cake slightly chilled for the best texture contrast but not straight from the refrigerator. About 15 minutes at room temperature creates the perfect serving consistency. A scoop of vanilla ice cream makes it an even more indulgent dessert or try coffee ice cream for a mocha twist. For a festive touch add fresh berries alongside each slice the tartness balances the sweetness perfectly.

Storage Tips

This cake stores exceptionally well making it perfect for advance preparation. Keep it covered in the refrigerator for up to 5 days the ganache layer provides a seal that helps the cake maintain moisture. You can also freeze individual slices wrapped tightly for up to 3 months. Thaw overnight in the refrigerator for best results. The texture of the coconut may change slightly after freezing but the flavor remains delicious.

The Coconut Question

Not everyone appreciates the texture of shredded coconut despite loving the flavor. If you have texture sensitive guests you can substitute coconut cream pudding mixed with the sweetened condensed milk for the middle layer. You will lose the chewy element but maintain the tropical coconut flavor that makes this cake special. Alternatively pulse the shredded coconut in a food processor before mixing it into the filling for a less obvious texture.

A slice of choco coconut dream cake. Save
A slice of choco coconut dream cake. | yumrica.com

Recipe FAQs

→ Can I make this cake ahead of time?

Yes! This cake actually improves with time as the flavors meld together. You can prepare it 1-2 days in advance and store it covered in the refrigerator. Many bakers find it tastes even better the day after it's made.

→ How should I store leftover cake?

Store any leftover cake covered in the refrigerator for up to 5 days. The ganache topping contains heavy cream, so refrigeration is important for food safety.

→ Can I use a homemade chocolate cake instead of boxed mix?

Absolutely! While the recipe uses boxed mix for convenience, you can substitute your favorite homemade chocolate cake recipe. Just ensure it's sized appropriately for a 9x13-inch pan.

→ How do I know when the ganache is ready to pour?

The perfect ganache for pouring should be smooth, glossy, and have a consistency similar to chocolate syrup. If it's too thick, warm it slightly by placing the bowl over warm water and stirring. If too thin, allow it to cool slightly at room temperature.

→ Can I toast the coconut for extra flavor?

Yes! Toasting the coconut adds wonderful depth of flavor. Spread the shredded coconut on a baking sheet and bake at 325°F for 5-8 minutes, stirring occasionally, until golden brown. Let it cool before mixing into the filling.

→ Is this cake suitable for freezing?

This cake freezes well for up to 2 months. Cut into individual portions, wrap each piece tightly in plastic wrap, then place in an airtight container or freezer bag. Thaw overnight in the refrigerator before serving.

Choco Coconut Dream Cake

A decadent three-layer dessert with moist chocolate cake, coconut filling, and smooth ganache that's surprisingly simple to make.

Prep Time
15 min
Cook Time
35 min
Total Time
50 min

Category: Desserts

Skill Level: Easy

Cuisine: American

Serves: 12 Servings (One 23x33cm layered cake)

Dietary Preferences: Vegetarian

Ingredients

→ For the Cake Layer

01 1 box chocolate cake mix (approximately 430g)
02 3 large eggs
03 120ml vegetable oil
04 240ml water

→ For the Coconut Filling

05 1 can sweetened condensed milk (397g)
06 150g sweetened shredded coconut
07 60g powdered sugar

→ For the Chocolate Ganache Frosting

08 240ml heavy cream
09 270g semisweet chocolate chips
10 5ml vanilla extract

→ Optional Garnishes

11 Additional shredded coconut for sprinkling
12 Chocolate shavings or curls

Steps

Step 01

Preheat your oven to 175°C. Lightly grease a 23x33cm baking dish with cooking spray or butter, or line it with parchment paper for easier removal, leaving some overhang on the sides as handles.

Step 02

In a large mixing bowl, combine the chocolate cake mix, eggs, vegetable oil, and water. Mix according to package instructions for about 2 minutes with an electric mixer on medium speed until smooth. Scrape down the sides of the bowl to fully incorporate all dry ingredients.

Step 03

Pour the cake batter into the prepared baking dish, spreading evenly with a spatula. Bake in the preheated oven for 25-30 minutes, or until a toothpick inserted into the center comes out clean or with just a few moist crumbs.

Step 04

While the cake is baking, make the coconut filling. In a medium bowl, combine the sweetened condensed milk, shredded coconut, and powdered sugar. Stir until thoroughly mixed into a thick and sticky consistency.

Step 05

When the cake is done, remove it from the oven and place on a cooling rack. Allow to cool for 10 minutes, then spread the coconut mixture evenly over the still-warm cake, going all the way to the edges.

Step 06

Heat the heavy cream in a medium saucepan over medium heat until it just begins to simmer with small bubbles forming around the edges. Do not boil. Pour the hot cream over the chocolate chips in a heatproof bowl. Let sit undisturbed for 1-2 minutes, then whisk gently until smooth and glossy. Stir in the vanilla extract.

Step 07

While still warm and pourable, slowly pour the ganache over the coconut layer, covering it completely. Use an offset spatula or the back of a spoon to spread it evenly. If desired, sprinkle additional coconut or chocolate shavings on top for decoration.

Step 08

Refrigerate the cake for at least 1 hour, or until the chocolate layer is completely set. Cut into squares and serve chilled or at room temperature. Store leftovers covered in the refrigerator for up to 5 days.

Notes

  1. For best results, use high-quality chocolate chips for the ganache - the better the chocolate, the richer your frosting will be.
  2. You can toast the coconut before adding it to the filling for a deeper, nuttier flavor. Simply spread it on a baking sheet and bake at 160°C for 5-8 minutes, stirring occasionally, until golden.
  3. This cake actually tastes even better the day after it's made, as the flavors have time to fully develop and meld together.

Tools You’ll Need

  • 23x33cm baking dish
  • Electric mixer
  • Mixing bowls
  • Measuring cups and spoons
  • Saucepan
  • Offset spatula or spreading knife
  • Cooling rack

Allergen Info

Check all ingredients for potential allergens and consult a healthcare professional if needed.
  • Contains eggs
  • Contains dairy
  • May contain wheat/gluten (from cake mix)
  • Contains coconut