$140,000
Active3455 Montgomery Dr, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · MLS# C7520476
282 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Waterfront lot
- 80 feet waterfront
- Blitman Waterway access
- Private boat ramp
- Private park access
- Playground and pavilion
AI-selected highlights from the listing description below.
Great WATERFRONT lot located in the much sought-after deed-restricted Gulf Cove waterfront neighborhood. This residential building lot with 80' of waterfront is located on the Blitman Waterway providing quick boating access to the Myakka River and on to Charlotte Harbor and the Gulf. Standard lot 10,000 sq. ft. and is ready for you to build your Florida dream home. Public water available and not in a Scrub Jay zone (check again with county website to ensure nothing has changed). Gulf Cove offers a welcoming atmosphere with a Voluntary Property Owners Association (POGC). For just $75 a year, you can enjoy exclusive access to the private park, playground, and pavilion. Additionally, secure a boat ramp decal for only $75 to take full advantage of the Gulf Cove boat ramp—ideal for boating enthusiasts! Embrace a lifestyle filled with outdoor adventures! Whether you’re into boating, fishing, or kayaking, Gulf Cove is your gateway to water-based fun. Only minutes to the beautiful beaches of Englewood and Boca Grande. In this vibrant area, you’ll also find nearby golfing, farmers markets, and community festivals to enrich your life. Don’t miss this chance to create the home you’ve always wanted in a community that has it all. Your coastal paradise in Charlotte County awaits!
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Bay/Harbor, Canal - Brackish, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, River
- Water view
- Yes
- Exposure
- Northeast
- Flood zone
- AE
- Annual taxes
- $2,281/yr
- Listed
- Jan 19, 2026
- MLS #
- C7520476
Price & status history
- Listed for $150,000
- Price reduced to $140,000
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 3455 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
$1,098
$708 of that is principal & interest. 36% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $708
- Property taxes
- $190
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $1,098
Over the life of the loan
- Loan amount
- $112,000
- Down payment
- $28,000
- Total interest
- $142,850
- Principal + interest paid
- $254,850
- 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
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3455 Montgomery Dr, Port Charlotte, FL 33981
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · MLS# C7520476 · 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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