000 Montego Bay, St. James, Jamaica, FL, FL
Active195 days on marketListed Jan 27, 2026MLS #A11954019
About this home
000 Montego Bay, St. James, Jamaica, FL
Experience the pinnacle of Caribbean luxury in this Oceanview executive residence within the prestigious Reading Heights gated community. Elevated above Montego Bay, the home offers unobstructed sea views and sparkling city lights, perfect for elegant entertaining or serene daily living. Enjoy 24-hour security, a resort-style infinity pool, fitness center, and open-air entertainment space. Just minutes from world-class beaches, golf, spas, and fine dining, with Sangster International Airport only 20 minutes away. Featuring 5 bedrooms, 6 bathrooms, grand mahogany entrance, expansive porches, and a self-contained guest suite, this 5,800 sq. ft. home offers sophistication, comfort, and potential for expansion on a prime 0.18-acre lot.
Facts & features
The home at a glance
5
Bedrooms
6
Bathrooms
2
Garage
2000
Year built
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$6,507 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,515/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Reality check
What actually sold near 000 Montego Bay
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$205,000
5700 BONITA BEACH APT ROAD UNIT 503 · same community
1 bd · 1 ba · 508 sqft · $404/sqft · 34 DOM
Sold · Jan ’26$200,000
15933 OLD HIGHWAY 50 · same community
2 bd · 1 ba · 905 sqft · $221/sqft · 0 DOM
Sold · Nov ’25$229,000
9114 SE 12TH DRIVE · same community
2 bd · 2 ba · 920 sqft · $249/sqft · 6 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 000 Montego Bay — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 000 Montego Bay — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
000 Montego Bay FAQs
What would the monthly payment be for 000 Montego Bay, St. James, Jamaica, FL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,507/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 000 Montego Bay, St. James, Jamaica, FL?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Listing courtesy of PRA And Company Realtors · Paul Atkinson. MLS #A11954019.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.