$1,600,000
OPEN SUN 1PM - 4PM

Montego at Cove Towers 445 Cove Tower Dr Unit 903 Floor 9 Naples, FL 34110

Coastal North Naples Neighborhood

Estimated payment $11,423/month

Total Views 262
3 Beds
3 Baths
2,650 Sq Ft
$604 Price per Sq Ft

Highlights

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

About This Home

Experience refined coastal living in this fully renovated 9th-floor residence at Montego in Cove Towers Preserve. A private elevator opens to an elegant foyer and a reimagined wide-open floorplan, where the former kitchen wall was removed to create seamless living, dining, and entertaining spaces. The designer kitchen features a built-in Sub-Zero refrigerator/freezer, Thermador steam-convection oven & induction cooktop, and high-end fixtures. Volume ceilings and floor-to-ceiling glass frame out the sweeping southwest views across the mangroves to the Gulf, and extending to an expansive screened in terrace with electronic storm shutters. The split bedroom layout includes two guest suites opening to a private balcony with long views over the new Kinsale Golf Club. Every closet is finished with custom cabinetry, and all baths were fully renovated with premium fixtures and Toto toilets. Additional highlights include new wood flooring throughout, tile in the baths, and impact-resistant windows. Plus two prime garage spaces and a storage locker. Residents of Montego & Nevis can enjoy the Calypso Club which features a resort-style pool & spa, outdoor pavilion with fireplace & grills, social room & activities, fitness center, and two guest suites. Optional Tarpon Cove Yacht Club membership expands the lifestyle with dining, tiki bar, pool, tennis, pickleball, and a boat shuttle to Delnor-Wiggins State Park. Boat slips are available for purchase or lease. Enjoy this polished Naples retreat where luxury, privacy, and panoramic views meet.

Listing Agent

Tracy Guillot

Realty One Group MVP Listed on: 10/12/2025

Open House Schedule

  • Sunday, October 19, 2025
    1:00 to 4:00 pm
    10/19/2025 1:00:00 PM +00:00
    10/19/2025 4:00:00 PM +00:00
    Open House at Montego in Cove Towers THIS Sunday, October 19, 1–4 PM. This meticulously renovated home blends a wide-open plan with sweeping SW views and elegant finishes throughout. Come experience the Naples lifestyle!
    Add to Calendar

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $9,966

Year Built

  • Built in 2002

Lot Details

  • Property Fronts a Bay or Harbor
  • Zero Lot Line

HOA Fees

Parking

  • 2 Car Attached Garage
  • Deeded Parking
  • Assigned Parking

Property Views

  • Ocean To Bay
  • Gulf
  • Views of Preserve

Home Design

  • Concrete Block With Brick
  • Concrete Foundation
  • Metal Roof
  • Stucco

Interior Spaces

  • Property has 1 Level
  • Fireplace
  • Window Treatments
  • Great Room
  • Family or Dining Combination
  • Den
  • Hobby Room
  • Screened Porch
  • Storage

Kitchen

  • Breakfast Bar
  • Built-In Self-Cleaning Double Convection Oven
  • Electric Cooktop
  • Microwave
  • Dishwasher
  • Wine Cooler
  • Kitchen Island
  • Built-In or Custom Kitchen Cabinets
  • Disposal

Flooring

  • Wood
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Split Bedroom Floorplan
  • Built-In Bedroom Cabinets
  • In-Law or Guest Suite
  • 3 Full Bathrooms

Laundry

  • Laundry in unit
  • Dryer
  • Washer
  • Laundry Tub

Home Security

  • Fire and Smoke Detector
  • Fire Sprinkler System

Accessible Home Design

  • Wheelchair Access

Pool

  • Cabana
  • Spa

Outdoor Features

  • Water access To Gulf or Ocean
  • Screened Balcony

Utilities

  • Central Air
  • Heating Available
  • Underground Utilities
  • Internet Available
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 60560000548

Community Details

Overview

  • 3,130 Sq Ft Building
  • Montego At Cove Towers Subdivision
  • Mandatory home owners association
  • Car Wash Area

Amenities

  • Community Barbecue Grill
  • Trash Chute
  • Clubhouse
  • Bike Room
  • Community Storage Space

Recreation

  • Boat Ramp
  • Boat Dock
  • Beach Club Membership Available
  • Tennis Courts
  • Fitness Center
  • Community Cabanas
  • Community Pool
  • Community Spa
  • Bike Trail

Security

  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$9,966

Year Built

Built in 2002

Lot Details

0

HOA Fees

$2,109 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Year Built: 2002
  • Property Sub Type: High Rise (8+)
  • Community Features: Clubhouse, Pool, Fitness Center, 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
  • Has View?: Yes
  • Security Features: Smoke Detector(s), Gated Community, Fire Sprinkler System
  • Association Amenities: Barbecue, Beach Club Available, Bike And Jog Path, Bike Storage, Cabana, Clubhouse, Community Boat Dock, Community Boat Ramp, Pool, Community Room, Spa/Hot Tub, Fitness Center, Storage, Guest Room, Hobby Room, Internet Access, Private Membership, Sidewalk, Streetlight, Tennis Court(s), Trash Chute, Underground Utility, Car Wash Area
  • Association Fees: 25312
  • 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
  • Golf Type: No Golf Available
  • Elevator: Secured
  • Boat Access: None
  • Community Type: Boating, Gated
  • Gulf Access Type: Bridge(s)/Water Indirect
  • Building Desc: See Remarks
  • Equipment: Auto Garage Door, Cooktop - Electric, Dishwasher, Disposal, Double Oven, Dryer, Microwave, Refrigerator, Refrigerator/Icemaker, Self Cleaning Oven, Smoke Detector, Wall Oven, Washer, Wine Cooler
  • Additional Rooms: Balcony, Den - Study, Great Room, Guest Bath, Guest Room, Laundry in Residence, Screened Balcony, Screened Lanai/Porch
  • Special Features: 4097

Interior Features

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

Exterior Features

  • Roof: Built-Up, Metal
  • View: City, Gulf, Gulf and Bay, Preserve, River
  • Exterior Features: Balcony, Screened Balcony, Screened Lanai/Porch, Storage
  • Pool Features: Community
  • Has Private Pool?: No
  • Waterfront Features: Bay
  • Construction Type: Concrete Block, Stucco
  • Foundation Details: Concrete Block
  • Other Structures: Cabana, Tennis Court(s), Storage

Garage/Parking

  • Garage Spaces: 2
  • Has Attached Garage?: Yes
  • Has Carport?: No
  • Covered Parking Spaces: 2
  • Has Attached Garage?: Yes
  • Parking Features: 2 Assigned, Deeded, Under Bldg Closed, Attached
  • Total Parking Spaces: 2

Utilities

  • Cooling: Ceiling Fan(s), Central Electric
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Laundry Features: Laundry in Residence, Laundry Tub
  • Green Building Features: DSL/Cable Available
  • Heating: Central Electric
  • Water Source: Central

Condo/Co-op/Association

  • Pets Allowed: With Approval

Lot Info

  • Waterfront: Yes
  • Parcel Number: 60560000548
  • Land Lease Expiration Date: 2026-04-30
  • Additional Parcels: No

Rental Info

  • Lease Term: Buyer Finance/Cash

Tax Info

  • Tax Year: 2024
  • Tax Annual Amount: 9966.18

Multi Family

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

Map

About Montego at Cove Towers

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area

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
2025 $9,966 $1,071,888 -- --
2024 $9,596 $974,444 -- --
2023 $9,596 $885,858 $0 $0
2022 $8,426 $805,325 $0 $805,325
2021 $6,053 $593,161 $0 $0
2020 $5,908 $584,971 $0 $0
2019 $5,810 $571,819 $0 $0
2018 $5,683 $561,157 $0 $0
2017 $5,604 $549,615 $0 $0
2016 $5,480 $538,310 $0 $0
2015 $5,527 $534,568 $0 $0
2014 -- $480,325 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/12/2025 10/12/25 For Sale $1,600,000 +123.0% $604 / Sq Ft
03/17/2021 03/17/21 Sold $717,500 -2.4% $271 / Sq Ft View Prior Sale
01/15/2021 01/15/21 Pending -- -- --
06/19/2020 06/19/20 For Sale $735,000 -- $277 / Sq Ft
Source: Naples Area Board of REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed $717,500 Cottrell Law & Title Group
Warranty Deed $675,000 Sunbelt Title Agency
Warranty Deed $850,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $417,000 New Conventional
Previous Owner $595,000 Fannie Mae Freddie Mac
Source: Public Records

Source: Naples Area Board of REALTORS®

MLS Number: 225073317

Naples Area Board of REALTORS®

APN: 60560000548

Florida Collier County Naples 34110 Coastal North Naples

445 Cove Tower Dr Unit 903, Naples, FL

This home is located at 445 Cove Tower Dr Unit 903, Naples, FL 34110 and is currently priced at $1,600,000, approximately $603 per square foot. This property was built in 2002. 445 Cove Tower Dr Unit 903 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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Tracy Guillot
Listing Agent
Tracy Guillot
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Realty One Group MVP
(239) 303-8611