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445 Cove Tower Dr. 504, Naples, FL 34110

$877,708 For Sale

Beds
3
Baths
3
Sq Ft
2,379
Built
2002

MLS# 226039232 12 days on market

Fees & taxes

Annual fees
$25,508
One-time fees
$150
Seller’s 2025 taxes
$4,639

Community

Cove Towers
Building Montego at Cove Towers

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Listing description

Sunset views from the Ritz & Dunes to Wiggins pass overlooking Beach, bay and preserve. This is a very peaceful and quiet place hidden and overlooking what we all come to Florida for. Vanderbilt Beach and park and Delnor Wiggins Pass is just minutes away. This tower provides upper echelon amenities for year round and seasonal living. New elevators are currently being installed and offer entry directly into the unit as well as a service elevator at the back door. This is a larger end unit with amazing views protected by impact glass and automatic shutters. A short walk to the Calypso club house offers a resort style pool, a private bar and social area as well as a fitness center and two guest suites. The in-law or out-law suites are $110 per off season and $170 Oct 1-April and booked with the onsite management office. The owner is ready for a new chapter and the team is here to make your life easy.

Property details

Building & ownership

Ownership
Condo
Furnishings
Turnkey
Building style
High Rise (8+)
Floor plan
Great Room, Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Built-Up
Lot size
0 acres
Lot description
Across From Waterfront

Interior

Features
Custom Mirrors, Foyer, Laundry Tub, Multi Phone Lines, Smoke Detectors, Tray Ceiling(s), Window Coverings
Flooring
Carpet, Tile
Cooling
Ceiling Fan(s), Central Electric
Additional rooms
Laundry in Residence, Open Porch/Lanai, Screened Lanai/Porch

Kitchen & dining

Appliances
Electric Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator/Icemaker, Safe, Self Cleaning Oven, Tankless Water Heater, Washer

Outdoor & view

View
Bay, Golf Course, Gulf, Gulf and Bay, Landscaped Area, Mangroves, Parking Lot, Preserve, Tennis Courts, Water Feature, Trees/Woods
Rear exposure
South
Exterior
Open Porch/Lanai, Screened Lanai/Porch, Courtyard, Outdoor Kitchen, Outdoor Shower, Storage
Storm protection
Impact Resistant Doors, Impact Resistant Windows, Shutters Electric

Parking

Garage
Yes
Car port
No
Spots
1
Description
1 Assigned, Circular Driveway, Covered, Deeded, Driveway Paved, Attached

Pool & spa

Private pool
No
Private spa
No
Community pool
Yes
Pool description
Community
Spa description
Community

Waterfront

Waterfront
Yes
Description
Bay, Navigable
Gulf access
Yes
Gulf access type
Bridge(s)/Water Indirect
Boat / dock
None

Community amenities

Amenities
Barbecue, Bike Storage, Clubhouse, Pool, Community Room, Concierge, Electric Vehicle Charging, Fitness Center, Storage, Internet Access, Streetlight, Tennis Court(s), Trash Chute, Underground Utility, Car Wash Area
Elevator
Private

What the fees cover

Maintenance
Cable, Fidelity Bond, Insurance, Internet/WiFi Access, Irrigation Water, Lawn/Land Maintenance, Legal/Accounting, Manager, Pest Control Exterior, Reserve, Security, Sewer, Street Lights, Street Maintenance, Trash Removal, Water

Pets & leasing

Pets allowed
With Approval
Weight limit
30 lbs
Other pet rules
1
Leases per year
4
Minimum lease
90 days
Restrictions
Deeded

Schools

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

Additional details

Parcel number
60560000247
Potential short sale
No

Listing last updated November 1, 2026

Listing courtesy of VIP Realty Group, Inc. · 239-489-1100

Broker Reciprocity Program

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.

Displayed under License No. SL3295589.

Property taxes for a new owner

Estimated property taxes about $8,200 a year at the county’s value of this home and its 0.94% tax rate, no exemptions applied

On the county’s 2026 roll, the seller’s bill is about $4,700, lower because of a homestead exemption and a capped assessment, which end when the home sells.

If you make this home your primary residence, a homestead exemption would lower this figure. If you have also had a Florida homestead in any of the last three years, you may be able to carry up to $500,000 of its capped-value savings to this home, which Florida calls “portability.” Both are applied for with the Property Appraiser by March 1.

How a new owner’s property taxes are set is explained in the Costs & Taxes chapter of the 2027 Naples Buyer’s Guide.

Estimated from the Collier County Property Appraiser’s 2026 value of this home and its tax rate. The county sets a new value each January 1, so a new owner’s first full bill can differ.

Destinations & driving times from 445 Cove Tower Dr. 504

Every destination named here is described in the Destinations chapter of the 2027 Naples Buyer’s Guide.

Driving times are estimated from this home’s location, using OpenStreetMap road data.

Dining & Shopping near 445 Cove Tower Dr. 504 – #226039232, by driving distance
NameMilesETA
Mercato 4.4 mi 10 min
Galleria Shoppes at Vanderbilt 6.1 mi 13 min
Waterside Shops 6.7 mi 13 min
Venetian Village 8.5 mi 16 min
Coconut Point 8.9 mi 16 min
Coastland Center 9.8 mi 19 min
Fifth Avenue South 11.6 mi 22 min
Third Street South 12.8 mi 25 min
Miromar Outlets 13.3 mi 25 min
Gulf Coast Town Center 19.5 mi 29 min

Flood zones & evacuation

Two different things, measured by two different agencies. Evacuation zones are about storm surge and who leaves first. Flood zones are FEMA’s insurance rating, and they vary from home to home.

Hurricane evacuation zone

Zone A Collier

The first zone ordered to evacuate, and the one called in the weakest storms.

Called firstCalled last
FEMA flood zone

Zone AE

1% annual chance, with a set base flood elevation

The lot is inside a Special Flood Hazard Area, where a federally backed mortgage requires flood insurance.

FEMA flood maps and Collier County Emergency Management. A revised Collier County flood map is in preparation and may change these zones.

A starting point, not a determination. Your lender will require its own flood zone determination before closing, and your insurer will normally require an elevation certificate — a surveyor’s measurement of how high the building actually sits — before quoting. Those documents govern; this does not replace either. Zones can also be amended individually through FEMA.

Flood zones, evacuation, and insurance are explained in the Risk, Resilience & Insurance chapter of the 2027 Naples Buyer’s Guide.

Flood zones across Cove Towers

Jeffrey Waldman

Jeffrey Waldman

REALTOR® and Owner, Naples Abodes

Call (239) 450-3763 Text (239) 450-3763

Florida License SL3295589

“…the best Realtor in the world.”
Diane & Mike Hickey

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