$875,000
$75K PRICE DROP

Montego at Cove Towers 445 Cove Tower Dr Unit 504 Floor 5 Naples, FL 34110

Coastal North Naples Neighborhood

Estimated payment $7,218/month

Total Views 4,276
3 Beds
3 Baths
2,379 Sq Ft
$368 Price per Sq Ft

Highlights

  • Marina
  • Community Boat Slip
  • Community Cabanas
  • Naples Park Elementary School Rated A-
  • Water access To Gulf or Ocean
  • Property Fronts a Bay or Harbor

About This Home

Best value in Cove Towers, don’t miss your chance to see this exceptional residence. This light-filled end-unit showcases sweeping southwest exposure with breathtaking sunset views, creating a warm and inviting atmosphere throughout. The expansive great room and open-concept design offer a seamless flow, perfect for both relaxed daily living and effortless entertaining. Large windows flood the home with natural light, while the private lanai provides a perfect retreat to unwind and take in the scenery. A private elevator opens directly into the residence, adding an extra layer of convenience and exclusivity. Recent upgrades include two new A/C systems (2023), a tankless water heater with a transferable 10-year warranty, an updated electrical panel, newer carpeting in the bedrooms, and refreshed bathroom fixtures and ceiling fans. Impact-resistant windows and doors, along with automatic electric hurricane shutters, offer added security and peace of mind, ideal for seasonal living or a lock-and-leave lifestyle. The property also includes oversized garage parking and a spacious additional storage unit. Residents enjoy access to the Calypso Club, featuring a resort-style pool and spa, screened cabana, BBQ area, fitness center, meeting room, and two guest suites for visitors. Optional membership to the Tarpon Cove Yacht & Racquet Club expands your lifestyle with dining, a tiki bar, tennis, boating, and a private beach shuttle. Beautifully maintained and move-in ready, this home offers a rare opportunity to experience Southwest Florida living at its finest, combining comfort, convenience, and unforgettable sunset views.

Listing Agent

Tracy Guillot

Realty One Group MVP Listed on: 01/22/2026

Realty One Group MVP

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $4,532

Year Built

  • Built in 2002

Lot Details

  • Property Fronts a Bay or Harbor
  • Landscaped
  • Zero Lot Line

HOA Fees

Parking

  • 1 Car Attached Garage

Property Views

  • Ocean To Bay
  • Bay
  • Gulf
  • Views of Preserve
  • Woods
  • Mangrove

Home Design

  • Concrete Block With Brick
  • Concrete Foundation
  • Built-Up Roof
  • Stucco

Interior Spaces

  • Property has 1 Level
  • Furnished or left unfurnished upon request
  • Built-In Desk
  • Tray Ceiling
  • Ceiling Fan
  • Window Treatments
  • Entrance Foyer
  • Family or Dining Combination
  • Hobby Room
  • Screened Porch

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Built-In Self-Cleaning Oven
  • Electric Cooktop
  • Microwave
  • Ice Maker
  • Dishwasher
  • Built-In or Custom Kitchen Cabinets
  • Disposal

Flooring

  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • Maid or Guest Quarters
  • 3 Full Bathrooms
  • Hydromassage or Jetted Bathtub

Laundry

  • Laundry in unit
  • Dryer
  • Washer
  • Laundry Tub

Home Security

Accessible Home Design

  • Wheelchair Access

Outdoor Features

  • Cabana
  • Water access To Gulf or Ocean
  • Mangrove Front
  • Screened Balcony

Schools

  • Naples Park Elementary School
  • North Naples Middle School
  • Aubrey Rogers High School

Utilities

  • Central Heating and Cooling System
  • Underground Utilities
  • Tankless Water Heater
  • Internet Available
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 60560000247

Community Details

Overview

  • 58 Units
  • Private Membership Available
  • Montego At Cove Towers Subdivision
  • Mandatory home owners association

Amenities

  • Restaurant
  • Trash Chute
  • Meeting Room
  • Community Storage Space

Recreation

  • Community Boat Slip
  • Gulf Boat Access
  • Marina
  • Beach Club Membership Available
  • Tennis Courts
  • Fitness Center
  • Community Cabanas
  • Community Pool
  • Community Spa

Pet Policy

  • Pets allowed on a case-by-case basis

Security

  • Gated Community
  • Fire and Smoke Detector
  • Fire Sprinkler System

Property Details

Home Type

Condominium

Est. Annual Taxes

$4,532

Year Built

Built in 2002

Lot Details

0 Sq Ft Lot

HOA Fees

$2,119 per month

Parking

1

Listing Details

  • Property Type: Residential
  • Year Built: 2002
  • Property Sub Type: High Rise (8+)
  • Community Features: Pool, Fitness Center, Restaurant, Sidewalks, Street Lights, Tennis Court(s), Gated
  • Frontage: Bay/Harbor
  • Horses: No
  • Lot Features: Zero Lot Line
  • Park Name: COVE TOWERS
  • Is Senior Community?: No
  • Spa Features: Community, Jetted Tub
  • Has View?: Yes
  • Security Features: Smoke Detector(s), Gated Community, Fire Sprinkler System
  • Association Amenities: Beach Club Available, Cabana, Community Boat Slip, Community Gulf Boat Access, Pool, Community Room, Spa/Hot Tub, Fitness Center, Storage, Guest Room, Hobby Room, Internet Access, Marina, Private Membership, Restaurant, Sidewalk, Streetlight, Tennis Court(s), Trash Chute, Underground Utility
  • Association Fees: 25423
  • Has H O A?: Yes
  • Co List Office Mls Id: NROGMVP
  • Standard Status: Active
  • Subdivision Name: MONTEGO AT COVE TOWERS
  • Accessibility Features: Wheel Chair Access
  • Architectural Style: High Rise (8+)
  • Has Fireplace?: No
  • Unit Levels: 1
  • Is New Construction?: No
  • OpenHouseCount: 1
  • Elevator: Private
  • Boat Access: None
  • LastChangeTimestamp: 2026-04-16T15:00:11.403Z
  • Community Type: Boating, Gated
  • BridgeModificationTimestamp: 2026-05-31T19:06:21.481Z
  • ListAgent_MUI: 7517770
  • CDOM: 129
  • Gulf Access Type: Bridge(s)/Water Indirect
  • Building Desc: End-Unit
  • Equipment: Cooktop - Electric, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator/Icemaker, Self Cleaning Oven, Smoke Detector, Tankless Water Heater, Wall Oven, Washer
  • DOM: 129
  • Additional Rooms: Balcony, Laundry in Residence, Screened Balcony, Screened Lanai/Porch
  • NABOR_ListPrice: 875000
  • Special Features: VirtualTour

Interior Features

  • Flooring: Carpet, Tile
  • Interior Amenities: Built-In Cabinets, Fire Sprinkler, Foyer, Laundry Tub, Pantry, Smoke Detectors, Tray Ceiling(s), Walk-In Closet(s), Wheel Chair Access, Window Coverings
  • Private Spa: No
  • Appliances: Electric Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Refrigerator/Icemaker, Self Cleaning Oven, Tankless Water Heater, Wall Oven, Washer
  • Full Bathrooms: 3
  • Total Bedrooms: 3
  • Total Bedrooms: 8
  • Stories: 1
  • Window Features: Window Coverings
  • Room Bedroom Features: Split Bedrooms
  • Room Dining Room Features: Breakfast Bar, Dining - Family, Eat-in Kitchen
  • Kitchen Description: Built-In Desk, Pantry

Exterior Features

  • Roof: Built-Up
  • View: Bay, Gulf and Bay, Landscaped Area, Mangroves, Preserve, Water, Trees/Woods
  • Exterior Features: Balcony, Screened Balcony, Screened Lanai/Porch
  • Pool Features: Community
  • Has Private Pool?: No
  • Waterfront Features: Bay, Mangrove
  • Construction Type: Concrete Block, Stucco
  • Foundation Details: Concrete Block
  • Other Structures: Cabana, Tennis Court(s)

Garage/Parking

  • Garage Spaces: 1
  • Has Attached Garage?: Yes
  • Has Carport?: No
  • Covered Parking Spaces: 1
  • Has Attached Garage?: Yes
  • Parking Features: Attached
  • Total Parking Spaces: 1

Utilities

  • Cooling: Ceiling Fan(s), Central Electric
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Laundry Features: Laundry in Residence, Laundry Tub
  • Heating: Central Electric
  • Water Source: Central

Condo/Co-op/Association

  • Pets Allowed: With Approval

Schools

  • Elementary School: NAPLES PARK ELEMENTARY
  • High School: AUBREY ROGERS HIGH SCHOOL
  • Middle Or Junior School: NORTH NAPLES MIDDLE

Lot Info

  • Waterfront: Yes
  • Parcel Number: 60560000247
  • Land Lease Expiration Date: 2026-07-31
  • Additional Parcels: No

Rental Info

  • Lease Term: Buyer Finance/Cash

Tax Info

  • Tax Year: 2024
  • Tax Annual Amount: 4531.78

Multi Family

  • Number Of Units Furnished: Negotiable
  • Number Of Units Total: 58

Map

About Montego at Cove Towers

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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

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
2025 $4,532 $532,275 -- --
2024 $4,495 $517,274 -- --
2023 $4,495 $502,208 $0 $0
2022 $4,685 $487,581 $0 $0
2021 $4,745 $473,380 $0 $473,380
2020 $4,701 $473,380 $0 $473,380
2019 $5,210 $478,380 $0 $478,380
2018 $4,317 $435,962 $0 $0
2017 $4,255 $426,995 $0 $0
2016 $4,159 $418,213 $0 $0
2015 $4,195 $415,306 $0 $0
2014 -- $362,010 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
04/16/2026 04/16/26 Price Changed $875,000 -3.8% $368 / Sq Ft
03/11/2026 03/11/26 Price Changed $909,900 -4.2% $382 / Sq Ft
01/22/2026 01/22/26 For Sale $949,900 +90.0% $399 / Sq Ft
01/24/2019 01/24/19 Sold $500,000 -7.4% $210 / Sq Ft View Prior Sale
12/09/2018 12/09/18 Pending -- -- --
11/28/2018 11/28/18 Price Changed $540,000 -1.8% $227 / Sq Ft
07/20/2018 07/20/18 Price Changed $550,000 -1.8% $231 / Sq Ft
03/28/2018 03/28/18 For Sale $560,000 -- $235 / Sq Ft
Source: Naples Area Board of REALTORS®

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $500,000 Naples Title Inc
Warranty Deed -- Attorney
Warranty Deed $725,000 Island Title Guaranty Agency
Warranty Deed $540,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Previous Owner $250,000 No Value Available
Source: Public Records

Source: Naples Area Board of REALTORS®

MLS Number: 226003007

Naples Area Board of REALTORS®

APN: 60560000247

Florida Collier County Naples 34110 Coastal North Naples

445 Cove Tower Dr Unit 504, Naples, FL

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 2026 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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Tracy Guillot
Listing Agent
Tracy Guillot
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Realty One Group MVP
(239) 439-4857
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