A numerical model has been developed to incorporate refraction of ocean surface gravity waves by major ocean currents. The model is initialized with directional wave spectra and verified with aircraft synthetic aperture radar X band spectra, laser profilometer spectra, and pitch and roll buoy data. Data collected during the Marineland test experiment are used as surface truth observations for the wave-current study. Evidence of Gulf Stream refraction and trapping of surface waves as well as caustics in the current is shown and modeled assuming a nonuniform Gulf Stream distribution. Frequency and directional resolution of the wave spectral distribution and the current refraction patterns illustrates the need for further study of ocean current-wave interaction in wave refraction studies.