NOT LISTED FOR SALE

Montego at Cove Towers 445 Cove Tower Dr Unit 1404 Naples, FL 34110

Estimated Value: $1,244,000 - $1,757,488

3 Beds
3 Baths
2,379 Sq Ft
$1,226/mo HOA Fee

Last Sold May 20, 2022

Last sale price $1,875,000 $788 Per Sq Ft

Est. 18% decrease in value since last sale

Current estimated payment $10,659/month

10 Days on Market

Highlights

  • Community Beach Access
  • Boating
  • Property Fronts a Bay or Harbor
  • Naples Park Elementary School Rated A-
  • Leased Dock
  • Gated with Attendant

About This Home

As of May 2022

A Rarely available "04" End Unit in Montego at Cove Towers! Enjoy W/SW views of the Gulf, Wiggins Pass and the Cocohatchee. The home was entirely updated including floorpan modifications to maximize views. Upgrades include white oak wood flooring, custom cabinets in the kitchen and baths, Level 5 Granite tops, full wet bar making the bonus living space a smart usable room, all new lighting - LED cans in the kitchen, dining and bar. ?Professionally remodeled and decorated, the home has a sophisticated coastal style that flows from room to room -turnkey furniture package included. Included is an exclusive membership to the Calypso Club (pool, spa, outdoor living area with fireplace, large fitness center, guest hotel suites and a social room.) Available is a transfer membership to the Tarpon Cove Club (boat shuttle to Delnor Wiggins Beach, 6 har tru tennis courts, fitness center, clubhouse with dining, a tiki bar with bocce ball, fire pit and pool, boat slips for lease/purchase, golf reciprocity off season). Cove Towers is North Naples' hidden gem, less than a mile to the Gulf, directly on Wiggins Pass with an optional Marina. This is an excellent opportunity in Coastal North Naples!

Last Agent to Sell the Property

Melissa Wychocki

Downing Frye Realty Inc. License #NAPLES-249515638 Listed on: 04/01/2022

Downing Frye Realty Inc.

Last Buyer's Agent

Diane Palermo

Bayside Realty SWFL LLC License #NAPLES-596509855

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $6,588

Year Built

  • Built in 2002

Lot Details

  • Property Fronts a Bay or Harbor
  • End Unit
  • Southwest Facing Home
  • Gated Home

HOA Fees

Parking

  • 1 Car Attached Garage
  • Guest Parking
  • 1 Parking Garage Space
  • Deeded Parking
  • Secure Parking

Home Design

  • Turnkey
  • Concrete Block With Brick
  • Stucco
  • Tile

Interior Spaces

  • 2,379 Sq Ft Home
  • Wet Bar
  • Vaulted Ceiling
  • Electric Shutters
  • Picture Window
  • Sliding Windows
  • French Doors
  • Screened Porch
  • Ocean To Bay Views

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Built-In Oven
  • Microwave
  • Dishwasher
  • Wine Cooler

Flooring

  • Wood
  • Carpet

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 3 Full Bathrooms
  • Dual Sinks
  • Bathtub With Separate Shower Stall

Laundry

  • Laundry Room
  • Dryer
  • Washer
  • Laundry Tub

Outdoor Features

  • Access to a gulf featuring a boat lift
  • Leased Dock

Schools

  • Naples Park Elementary School
  • North Naples Middle School
  • Gulf Coast High School

Utilities

  • Central Heating and Cooling System
  • High Speed Internet
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 60560000881

Community Details

Overview

  • 52 Units
  • High-Rise Condominium
  • Montego At Cove Towers Condos
  • 17-Story Property

Amenities

  • Restaurant
  • Trash Chute
  • Lobby
  • Community Storage Space

Recreation

  • Boating
  • Gulf Boat Access
  • Community Beach Access
  • Marina
  • Tennis Courts
  • Bocce Ball Court
  • Exercise Course
  • Community Pool or Spa Combo

Pet Policy

  • Pets up to 30 lbs
  • Call for details about the types of pets allowed
  • 1 Pet Allowed

Security

  • Gated with Attendant
  • Card or Code Access
  • Phone Entry

Property Details

Home Type

Condominium

Est. Annual Taxes

$6,588

Year Built

Built in 2002

Lot Details

0

HOA Fees

$1,226 per month

Parking

1

Listing Details

  • Legal Description: MONTEGO AT COVE TOWERS PRESERVE A CONDOMINIUM # 1404
  • Property Type: Residential
  • Table: Residential
  • Street View Param: 1$26.2912838411291$-81.8126335997034$162.79$13.33$1.00$3rJ3IJAKX8SYo5aQZDrSzg
  • Building Design: High Rise (8+)
  • Building Description: End-Unit
  • Storm Protection: Electric Shutters
  • Year Built: 2002
  • Special Features: None
  • Property Sub Type: Condos
  • Stories: 17

Interior Features

  • Furnished Description: Turnkey
  • Num Unit Floor: 14
  • Price Per Sq Ft: 788.15
  • Total Floors: 17
  • Additional Rooms: Laundry in Residence, Screened Lanai/Porch
  • Estimated Living Area: 2379
  • Full Bathrooms: 3
  • Total Bathrooms: 3.00
  • Bedroom Description: Split Bedrooms
  • Bedrooms: 3 Bed
  • Total Bedrooms: 3
  • Dining Room: Breakfast Bar, Eat-in Kitchen
  • Elevator: Private
  • Equipment: Cooktop - Electric, Dishwasher, Dryer, Microwave, Refrigerator, Wall Oven, Washer, Wine Cooler
  • Flooring: Carpet, Wood
  • Floor Plan: Split Bedrooms
  • Interior Amenities: Foyer, French Doors, High Speed Available, Laundry Tub, Pantry, Volume Ceiling, Walk-In Closet, Wet Bar, Window Coverings
  • Primary Bathroom: Dual Sinks, Separate Tub And Shower
  • Windows: Picture, Sliding

Exterior Features

  • Gulf Access: Yes
  • Private Pool: No
  • Private Spa: No
  • Roof: Tile
  • Construction: Concrete Block
  • Gulf Access Type: Via Boat Lift
  • Boat Access: Dock Lease, Dock Purchase
  • Irrigation: Assessment Paid, Reclaimed
  • Road: Paved Road
  • View: Gulf and Bay
  • Exterior Finish: Stucco
  • Waterfront Type: Bay

Garage/Parking

  • Garage Description: Attached
  • Garage Spaces: 1
  • Parking: 1 Assigned, Guest, Under Bldg Closed

Utilities

  • Cable Available: Yes
  • Cooling: Central Electric
  • Heat: Central Electric
  • Security: Entry Keypad, Entry Phone, Secured Garage, Gated, Guard At Gate, Lobby
  • Sewer: Central
  • Water: Assessment Paid, Central

Condo/Co-op/Association

  • Management Company Phone: 2395967300
  • Approval: Application Fee, Buyer
  • Management: Professional
  • Mandatory HOA: Yes
  • Restrictions: Deeded
  • Sub Condo Name: MONTEGO AT COVE TOWERS
  • Condo Fees: 3277
  • Condo Fee Frequency: Quarterly
  • Maintenance: Cable, Insurance, Internet/WiFi Access, Lawn/Land Maintenance, Manager, Pest Control Exterior, Pest Control Interior, Recreational Facilities, Repairs, Reserve, Security, Sewer, Trash Removal, Water
  • Master Hoa Fee: 1613
  • Master HOA Fee Frequency: Annually

Association/Amenities

  • Pets: Limits
  • Pets Limit Max Number: 1
  • Pets Limit Max Weight: 30
  • Pets Limit Other: 1 dog or 2 cats, up to 30 lbs
  • Development: Cove Towers
  • Amenities: Beach Access, Bocce Court, Community Pool, Community Room, Community Spa/Hot tub, Exercise Room, Extra Storage, Internet Access, Marina, Restaurant, Tennis Court, Trash Chute
  • Community Type: Boating, Gated, Tennis
  • Units In Building: 52
  • Total Number of Units: 252

Fee Information

  • Application Fee: 150.00

Schools

  • Elementary School: NAPLES PARK ELEMENTARY SCHOOL
  • Middle School: NORTH NAPLES MIDDLE SCHOOL
  • High School: GULF COAST HIGH SCHOOL
  • Elementary School: Naples Park Elementary School
  • High School: Gulf Coast High School
  • Middle School: North Naples Middle School

Lot Info

  • Builder Product: No
  • Lot Unit: 1404
  • Section: 16
  • Total Area: 2880
  • Waterfront: Yes
  • Rear Exposure: Southwest
  • Lot Description: Regular
  • Parcel Number: 60560000881

Rental Info

  • Lease Limits: Yes
  • Leases Per Year: 4
  • Min Days Of Lease: 90

Tax Info

  • Tax Description: County Only, No Homestead
  • Taxes: 6588.00

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 1, 2022
Closed on
May 20, 2022
Sold by
Gutherie William T and Gutherie Deborah
Bought by
Eugene P Giacchino Revocable Trust
Seller's Agent
Melissa Wychocki
Downing Frye Realty Inc.
Buyer's Agent
Diane Palermo
Bayside Realty SWFL LLC
List Price
$1,995,000
Sold Price
$1,875,000
Premium/Discount to List
-$120,000
-6.02%
Total Days on Market
10
Current Estimated Value
$1,534,372

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$340,628
Avg. Annual Appreciation
-8.87%
Original Mortgage
$1,875,000
Outstanding Balance
$1,773,544
Interest Rate
3.13%
Mortgage Type
New Conventional
Estimated Equity
-$363,612

Purchase Details

Closed on
Jun 14, 2005
Sold by
Lochirco Steve and Lochirco Maryanne Barnhisel
Bought by
Gutherie William T and Gutherie Deborah
Source: Public Records

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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Eugene P Giacchino Revocable Trust $1,875,000 Borgia Eric M
Gutherie William T $815,000 Sunbelt Title
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Eugene P Giacchino Revocable Trust $1,875,000
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
05/20/2022 05/20/22 Sold $1,875,000 -6.0% $788 / Sq Ft
04/11/2022 04/11/22 Pending -- -- --
04/01/2022 04/01/22 For Sale $1,995,000 -- $839 / Sq Ft
Source: Naples Area Board of REALTORS®

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2023 $10,330 $1,052,810 $0 $1,052,810
2022 $7,399 $663,718 $0 $0
2021 $6,588 $603,380 $0 $603,380
2020 $6,522 $603,380 $0 $603,380
2019 $6,571 $603,380 $0 $603,380
2018 $6,559 $603,380 $0 $603,380
2017 $6,483 $591,485 $0 $591,485
2016 $5,978 $545,800 $0 $0
2015 $5,783 $519,905 $0 $0
2014 -- $501,010 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Melissa Wychocki

    Seller's Agent in 2022

    Melissa Wychocki

    Downing Frye Realty Inc.

    (239) 822-2190

    41 Total Sales

    Melissa Wychocki
    Section Image
  • Diane Palermo

    Buyer's Agent in 2022

    Diane Palermo

    Bayside Realty SWFL LLC

    (239) 263-3153

    24 Total Sales

    Section Image
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About Montego at Cove Towers

Map

Source: Naples Area Board of REALTORS®

MLS Number: 222024537

Naples Area Board of REALTORS®

APN: 60560000881

Florida Collier County Naples 34110

445 Cove Tower Dr Unit 1404, Naples, FL

This home is located at 445 Cove Tower Dr Unit 1404, Naples, FL 34110 since 01 April 2022 and is currently estimated at $1,534,372, approximately $644 per square foot. This property was built in 2002. 445 Cove Tower Dr Unit 1404 is a home located in Collier County with nearby schools including Naples Park Elementary School, North Naples Middle School, and Grace Classical Academy.

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Naples Area Board of REALTORS® The source of this real property information is the copyrighted and proprietary database compilation of the M.L.S. of Naples, Inc. Copyright 2025 M.L.S. of Naples, Inc. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.

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