2004 Monterey 245 Cruiser

$29,000

Used

Boat in CHATTANOOGA, TN US

builtBuilt in 2004
Year the boat was built
model

245 Cruiser

Boat model
engine

1 Engine (Mercruiser)

Engine type and count
length

25 feet

Overall boat length
fuel

Gas

Fuel type
material

Fiberglass/Reinforced

Hull material
Nominal Length
25ft
Length Overall
24ft
Beam
8.5ft
Dry Weight
4500lb
Fuel Tanks
70gal
Hull Material
fiberglass
Engine 1
Engine Make
Mercruiser
Engine Model
350 MAG
Total Power
300hp
Engine Hours
835
Engine Type
inboard-outboard
Fuel Type
gasoline
Engine Year
2004
Drive Type
stern
Disclaimer
The Company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice.
Additional Units Included
  • ROAD KING TANDEM

Price History

DateEventPrice
8/16/25Price decreased$29,000(-9.4%)
6/28/25Initial price$32,000

Overview from around the web 2004 Monterey 245 Cruiser

Customers praise the 2004 Monterey 245 Cruiser for its spacious and comfortable cabin, making it ideal for weekend getaways

Many highlight the boat’s smooth handling and reliable performance, which provide confidence on the water. The well-designed cockpit area is frequently mentioned for its ample seating and convenience, perfect for entertaining guests. Owners also appreciate the quality craftsmanship and stylish design, noting that the boat offers great value for its size and features. Some users mention that routine maintenance keeps the vessel running smoothly, contributing to an enjoyable boating experience overall.

The Biggest Pros and Cons

The 2004 Monterey 245 Cruiser offers a blend of style, comfort, and performance, making it a popular choice for boating enthusiasts. Here are some of the key pros and cons of this model:

Pros

Spacious Cabin: The 245 Cruiser features a roomy cabin with comfortable sleeping accommodations, making it suitable for overnight trips and weekend getaways.

Quality Construction: Built with solid fiberglass construction, this boat offers durability and a smooth ride.

Versatile Layout: The layout includes a well-designed cockpit and helm area, providing ample seating and easy access to controls.

Good Performance: Powered by dependable engines, the 245 Cruiser delivers reliable performance and handling on the water.

Amenities: Equipped with a small galley, enclosed head, and ample storage, it offers convenience for longer outings.

Aesthetic Appeal: The sleek design and modern styling give it an attractive look both in and out of the water.

Cons

Limited Headroom: While the cabin is spacious, headroom can be somewhat limited, which might be uncomfortable for taller individuals.

Engine Options: Depending on the specific engine installed, some users may find power options less robust compared to newer models.

Storage Space: Although there is storage, it may be limited for extended trips requiring more gear or provisions.

Maintenance: As with any older boat, maintenance and upkeep can be more demanding, especially if previous owners have not kept up with routine care.

Fuel Efficiency: The boat's fuel consumption may be higher compared to more modern, fuel-efficient designs.

Made For

The 2004 Monterey 245 Cruiser is perfect for boating enthusiasts who desire a versatile and stylish vessel ideal for day cruising and weekend getaways. Its comfortable cabin and spacious cockpit make it an excellent choice for small families or couples looking to enjoy quality time on the water with ease and convenience. Whether you’re interested in leisurely cruises, water sports, or entertaining friends, this boat offers a great blend of performance, comfort, and functionality.

Finance your dream boat!

Use our boat payment calculator to estimate monthly payments for 2004 Monterey 245 Cruiser. Enter your down payment, choose a loan term, and adjust the interest rate to see an instant payment estimate — ideal if you're calculating boat payments before you enquire. Wondering how much does a Power Cruiser cost in today's market, or how much does a Monterey cost for similar models? This boat financing calculator helps you compare scenarios in seconds, whether you're considering used boat financing or a new purchase.
Monthly payment
$329.14/mo
$
$
Loan amount$ 29,000
OR
%

Finance your dream boat!

Use our boat payment calculator to estimate monthly payments for 2004 Monterey 245 Cruiser. Enter your down payment, choose a loan term, and adjust the interest rate to see an instant payment estimate — ideal if you're calculating boat payments before you enquire. Wondering how much does a Power Cruiser cost in today's market, or how much does a Monterey cost for similar models? This boat financing calculator helps you compare scenarios in seconds, whether you're considering used boat financing or a new purchase.
Monthly payment
$329.14/mo
$
$
Loan amount$ 29,000
OR
%

Contact Chattanooga Office

Erwin Marine Sales of Chattanooga, 3001 Kings Point Road, Chattanooga, TN, 37416

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Address

Erwin Marine Sales of Chattanooga
3001 Kings Point Road
Chattanooga, TN 37416

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