3045 MONTGOMERY DRIVE, PORT CHARLOTTE, FL, 33981
Active1 days on marketListed Nov 6, 2026MLS #C7532999
About this home
3045 MONTGOMERY DRIVE
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 & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,547
Sqft
0.23 ac
Lot size
2
Garage
2025
Year built
One
Levels
$191
Per sqft
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.
$2,359 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,359/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−5.7%
Days on market
1 vs 55 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,274
Median age
63
Median income
$75,263
Median home value
$381,528
Avg household
2
Households w/ children
257
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$290K → $290K
Port Charlotte median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 557% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3045 MONTGOMERY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3045 MONTGOMERY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3045 MONTGOMERY DRIVE FAQs
What would the monthly payment be for 3045 MONTGOMERY DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,359/mo — principal and interest, the actual property-tax bill 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 3045 MONTGOMERY DRIVE?+
The most recent tax bill on record (2025) was $527. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3045 MONTGOMERY DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $294,900, this home is listed about 10% below the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 3045 MONTGOMERY DRIVE?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Sury Duque. MLS #C7532999.
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 Stellar MLS.
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