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445 Cove Tower Dr. 903, Naples, FL 34110

$1,475,000 Sold

3
Beds
3
Baths
2,650
Sq Ft
2002
Built

MLS# 225073317 Listed at $1,600,000 Sold November 20, 2025

Fees & taxes

Annual fees
$25,312
One-time fees
$150
Seller’s 2024 taxes
$9,966

Community

Cove Towers
Building Montego at Cove Towers

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Listing description

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

Building & ownership

Ownership
Condo
Furnishings
Unfurnished
Building style
High Rise (8+)
Floor plan
Split Bedrooms
Construction
Concrete Block, Stucco
Roof
Built-Up, Metal
Lot size
0 acres
Lot description
Zero Lot Line

Interior

Features
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
Flooring
Tile, Wood
Cooling
Ceiling Fan(s), Central Electric
Bedroom details
Split Bedrooms
Additional rooms
Balcony, Den - Study, Great Room, Guest Bath, Guest Room, Laundry in Residence, Screened Balcony, Screened Lanai/Porch

Kitchen & dining

Kitchen
Island, Pantry
Appliances
Electric Cooktop, Dishwasher, Disposal, Double Oven, Dryer, Microwave, Refrigerator, Refrigerator/Icemaker, Self Cleaning Oven, Wall Oven, Washer, Wine Cooler
Dining
Breakfast Bar, Dining - Family

Outdoor & view

View
City, Gulf, Gulf and Bay, Preserve, River
Rear exposure
Southwest
Exterior
Balcony, Screened Balcony, Screened Lanai/Porch, Storage
Storm protection
Impact Resistant Doors, Impact Resistant Windows, Shutters Electric

Parking

Garage
Yes
Car port
No
Spots
2
Description
2 Assigned, Deeded, Under Bldg Closed, Attached

Pool & spa

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

Waterfront

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

Community amenities

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
Golf
No Golf Available
Elevator
Secured
Accessibility
Wheel Chair Access
Security
Smoke Detector(s), Gated Community, Fire Sprinkler System

What the fees cover

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

Pets & leasing

Pets allowed
With Approval
Leases per year
4
Minimum lease
90 days
Restrictions
Deeded, No Commercial, No RV

Additional details

Parcel number
60560000548
Potential short sale
No

Listing last updated November 20, 2025

Listing courtesy of Realty One Group MVP · 800-896-8790

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.

Destinations & driving times from 445 Cove Tower Dr. 903

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. # 903, Naples, FL 34110 – #225073317, 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

“You won't go wrong with Jeff at your side!”
Bill & Joyce Robertson

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