$294,900
Active3045 Montgomery Dr, Port Charlotte, FL 33981
4 beds · 2 baths · 1,547 sq ft
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# C7532999
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
A Lovely New Construction Home, where Modern Elegance meets Comfort and Style! This charming home has been thoughtfully designed with beautiful details and delightful features throughout!! Offering 4 bedrooms, 2 bathrooms, and a 2-car garage, this home features a wonderful open floor plan, perfect for entertaining family and friends, along with a split-bedroom layout that provides added privacy to the primary suite. ***You will love the exquisite quartz countertops in the kitchen and bathrooms, luxury vinyl plank flooring and no carpet, modern light fixtures, and the spacious primary bathroom featuring dual sinks and an impressive tiled shower. Additional features include paver driveway, hurricane shutters, and public water*** Located in the desirable community of Gulf Cove, along the Peaceful Myakka River, with access to the Gulf of Mexico, this area offers endless opportunities for boating, fishing, jet skiing, kayaking & enjoying the Fun Florida Waterfront Lifestyle. Boat ramps, marinas, parks, sandbars, and beautiful islands are all part of the surrounding area. Enjoy the Stunning Beaches of Englewood and Boca Grande, just approximately 20–30 minutes away, where you can relax by the ocean, enjoy live entertainment, and experience delicious waterfront dining. Baseball fans will appreciate being just a short drive from Charlotte Sports Park, home of Tampa Bay Rays Spring Training. Conveniently located near shopping, restaurants, pharmacies, and everyday essentials, this home offers the perfect combination of comfort, location, and Florida living. A wonderful place to call home, create memories, and enjoy Southwest Florida! Buyer to verify all information pertaining to this property and listing**Simply a Functional & Amazing Home For You and Your Family at an Exceptional Price!!
Facts
- Property type
- Single Family Residence
- Year built
- 2025
- Bathrooms
- 2 full
- Living area
- 1,547 sqft
- Lot size
- 0.23 acres
- Private pool
- No
- Exposure
- Northeast
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $527/yr
- Listed
- Nov 6, 2026
- MLS #
- C7532999
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 3045 MONTGOMERY DR. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$1,781
$1,491 of that is principal & interest. 16% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,491
- Property taxes
- $44
- Homeowners insurance
- $246
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $1,781
Over the life of the loan
- Loan amount
- $235,920
- Down payment
- $58,980
- Total interest
- $300,903
- Principal + interest paid
- $536,823
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
Take a tour
Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
3045 Montgomery Dr, Port Charlotte, FL 33981
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# C7532999 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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