3431 Montgomery DRIVE, Port Charlotte, FL, 33981 | $874,900

NEAT, CLEAN, and ready for YOU! This waterfront property is more than just a home; it is a water-side venue offering a plethora of options. The boaters and fishermen will enjoy the 120 ft concrete seawall with a new (2024) 50’ x 8’ composite dock with water & electric, and a new state-of-the art TEC-3 boat lift and cover. Catch snook and redfish from the wall or venture out into the Charlotte Harbor and Gulf of Mexico for that trophy tarpon. The entertainer in the family will love the private shaded courtyard out back, as well as the 1400+ sf poolside screened-in entertainment space. The beautiful, paved lanai is incredible and just keeps going and going. Not only do you have the “typical” covered space immediately outside your indoor living area with your heated, SALT-WATER (2022) diamond bright finish pool, but you also have a private outdoor shower area AND an amazing, covered bar area, with lighting, stone counters, stainless steel sink, stainless steel cabinetry, a professional grade refrigerator AND a lovely 6-person jacuzzi. That’s not it though; Beyond the bar you have a DETACHED 320 sq ft air-conditioned building to use for whatever you want/need/desire. This is all above and beyond the home itself which also offers tons of space with a large kitchen/family combo, DEN/study, a LARGE private primary suite and 2 guest bedrooms all with WALK-IN closets and nice high ceilings. Even the 21'x31' extra-large garage is amazing and worthy of a photo, with its epoxy flooring and mini-split HVAC system; easily housing 2 vehicles and other toys/equipment. You can even park your boat, trailer, etc. alongside the home on the extended paver drive and walkway. There’s such a great flow in AND outside this home! Other things the home offers are: (1) hurricane shutters, (2) 2023 22KW Generac whole home generator is installed, just needs propane/hookup, (3) 2022 RUUD HVAC system, (4) 2021 plumbing re-piped with PEX system, (5) 2021 outdoor patio, (6) 2016 Roof, (7) wi-fi controlled irrigation and new grass in the front of home, (8) RING surveillance cameras and solar exterior lighting, (9) pool cage wind-rated at 150 mph, (10) child safety fencing for the pool, (11) rain gutters. Located in an amazing waterfront community with private boat ramp for members. This property is truly UNIQUE and a MUST-SEE.

Features

  • Amenities: Park, Recreation Facilities
  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Style: Florida
  • Year Built: 1998
  • Garage: 2-car Boat, Driveway, Garage Door Opener, Oversized, Workshop in Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,330
  • Acreage: 0.3
  • Est. Taxes: $10,376
  • HOA Fee: $75 Annually
  • Lot Desc: FloodZone, Landscaped, Level, Oversized Lot
  • View: Trees/Woods, Water
  • Elem. School: Myakka River Elementary
  • Middle School: L.A. Ainger Middle
  • High School: Lemon Bay High
  • Pool: Child Safety Fence, Gunite, Heated, In Ground, Outside Bath Access, Screen Enclosure, Tile
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: D6139538
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/D6139538/3431montgomerydrive_portcharlotte_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/7/2025 3:35:28 PM)
Listing courtesy of MICHAEL SAUNDERS & COMPANY   Phone: 941-473-7750

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3431 Montgomery DRIVE, Port Charlotte, FL, 33981

$874,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $699,920 $699,920 $699,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.750% 6.625% 6.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.559% 6.723% 6.847%
Monthly Tax Payment $865 $865 $865
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,540 $4,482 $6,145
Total Monthly Payment $5,497 $5,439 $7,102

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.