Between 2023 and 2024, a type of green alga was observed for the first time settling on Oil-tea Camellia leaves and branches in the eastern Oil-tea Camellia planting area of Hainan Island, forming a layer of gray-green moss with a rough surface that seriously interfered with the leaves’ normal photosynthesis. To further research the issue, this study used the plant photosynthesis measurement system and the paraffin sectioning technique to compare and analyze the changes in photosynthetic characteristics and anatomical structure of healthy and green algal-covered Oil-tea Camellia leaves. At the same time, the algal strain was effectively separated and purified using the plate delineation method, and its species classification was determined by combining morphological observation and molecular identification based on SSU-ITS sequences. The results of the study demonstrated that the coating of green alga facilitated the lignification of the leaf’s epidermal cell walls. After being covered by the green alga, the intercellular CO2 concentration (Ci) increased significantly by 21.5%, while the net photosynthetic rate (Pn), transpiration rate (Tr), and stomatal conductance (Gs) all significantly decreased by 72.8%, 30.4%, and 24.9%, respectively. More specifically, the green alga that covers the leaves of Oil-tea Camellia was identified as Desmodesmus armatus of Chlorophyta. Notably, the green alga had a long growth cycle, did not undergo a decline phase within one month, had an optimal growth pH of 11.0, and could flourish in excessively alkaline conditions. In conclusion, this study not only reported for the first time the phenomena of D. armatus infesting Oil-tea Camellia leave, but also showed its unique physiological and ecological properties, providing a foundation for future research on relevant prevention and control approaches.