$1,600,000
3 Bed 3 Bath Waterfront Condominium for Sale in MONTEGO AT COVE TOWERS, FL
445 Cove Tower Drive 903, Naples, FL, 34110
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.
Property details
- Type
- Condominium
- Year built
- 2002
- Interior
- 2,650 sqft
- Lot size
- Not specified
- Acreage
- Not specified
- Garage
- 2 car
- Days on market
- 15
- Total association fees
- $25,312/yr (~$2,109/mo)
- CDD
- None
- Est. taxes (1.4%)
- $22,400/yr
- Flood zone (area est.)
- Not available
- Storm protection
- Impact Windows/Doors
- Exposure
- Southwest
- Waterfront
- Yes
- Gulf access
- No
- Gulf access type
- N/A
- Pool
- No
- Spa
- No
- Natural gas
- No
- Water
- Public
- Sewer
- Public Sewer
- New construction
- No
- Pets
- Call, Conditional
- County
- Collier
Total association fees sums the core association dues the MLS feed provides (HOA, condo/master association, and land lease), normalized to a yearly figure. These are separate from and additional to specialty charges — mandatory club or food-and-beverage minimums, special assessments, and rec-lease fees — which the IDX feed does not carry. Always confirm the full fee schedule with the HOA or listing agent.
Maintenance included in the fee
What the association dues cover, per the MLS. Confirm the full schedule with the HOA.
Amenities
Based on the $/sqft of 3 comparable homes sold nearby in the last 12 months. Indicative, not an appraisal.
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Recently sold nearby
Closed comparable sales within ~1 mile in the last 12 months — similar price, size, beds/baths, and age.
| Address | Sold | Sold price | Beds/Baths | Sq ft | $/sqft |
|---|---|---|---|---|---|
| 445 Cove Tower Drive 1702 | Apr 2026 | $1,500,000 | 3/3 | 2,645 | $567 |
| 445 Dockside Drive B903 | May 2026 | $1,275,000 | 3/3 | 2,677 | $476 |
| 275 Indies Way 1002 | Feb 2026 | $1,950,000 | 3/3 | 2,798 | $697 |
| Average | 3 comps | $1,575,000 | $580 |
Market trends — Naples
Median of closed MLS sales each month over the available window. Months with too few sales are omitted; the range extends automatically as more sales close.
Live area medians from the MLS · see all listings. Indicative, not an appraisal.
Price & status history
Down $125,000 (7.8%) from the original list price.
| Nov 20, 2025 | Sold | $1,475,000 |
| Oct 12, 2025 | Listed | $1,600,000 |
The good, the trade-offs & the location
- Built 2002 — post-2002 Florida wind codes (typically lower insurance)
- Waterfront
- Storm protection: Impact Windows/Doors
- 2-car garage
- Higher association fees (~$25,312/yr)
Straight-line distances to major SWFL amenities — approximate; actual drive times vary.
Nearby schools
Get more information on their programs, scores, and extracurriculars on each school's page · browse the full schools directory.
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Listing information is provided in part by the Florida Gulf Coast Multiple Listing Service (MLS) through its Broker Reciprocity / Internet Data Exchange (IDX) program. Properties displayed may be listed by brokerages other than SWFL Relocation Team. Data is deemed reliable but is not guaranteed accurate by the MLS or this brokerage and should be independently verified. Fees, flood zones, taxes, square footage, and school assignments are estimates from the feed and must be confirmed. © 2026 SWFL Relocation Team. All rights reserved.