2645 ROCK CREEK DRIVE, PORT CHARLOTTE, FL, 33948
Active19 days on marketListed Sep 1, 2026MLS #C7530192
About this home
2645 ROCK CREEK DRIVE
Built in 2023, this 3-bedroom, 2-bath Sundial floor plan offers 1,515 square feet of living space and a functional layout with plenty of potential. The home is ready for some TLC and personal touches, providing an opportunity for a new owner to refresh the property and make it their own. Inside, 18x18 ceramic tile flooring extends throughout the main living and wet areas, while the bedrooms feature carpeting. The kitchen offers granite countertops, stainless steel appliances, ample cabinetry, and a large pantry closet, with an open design well suited for everyday living and entertaining. The primary suite features a spacious walk-in closet and an ensuite bathroom with a dual-sink granite vanity. Two additional bedrooms and a second full bathroom provide comfortable accommodations for family, visitors, or a home office. Conveniently located in Port Charlotte with easy access to shopping, dining, grocery stores, parks, golf courses, and everyday conveniences. Enjoy nearby outdoor recreation at Ollie’s Pond Park and Port Charlotte Beach Park, along with boating, fishing, kayaking, and the beautiful waterways of Charlotte Harbor. Southwest Florida’s Gulf beaches, downtown Punta Gorda, and Fishermen’s Village are also within easy driving distance. With its convenient location, and opportunity for improvements, this home offers plenty of potential for buyers looking to add their own style and finishing touches.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,515
Sqft
0.23 ac
Lot size
2
Garage
2023
Year built
One
Levels
$264
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.
$3,014 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,014/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.
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
+45.9%
$/sqft vs PORT CHARLOTTE SEC 023
$264 vs $187
Days on market
19 vs 59 typical
Where $264/sqft sits among the 19 homes for sale in PORT CHARLOTTE SEC 023
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 Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33948 — neighborhood snapshot
Population
18,732
Median age
59.4
Median income
$60,788
Median home value
$279,500
Avg household
2.32
Households w/ children
1,261
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
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
12 of 19
PORT CHARLOTTE SEC 023 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1233% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 2645 ROCK CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$235,000
917 TROPICAL AVENUE NW · same community
2 bd · 2.5 ba · 1,507 sqft · $156/sqft · 71 DOM
Sold · Mar ’26$225,000
1213 JOPLIN AVENUE NW · same community
2 bd · 2 ba · 1,482 sqft · $152/sqft · 17 DOM
Sold · Nov ’25$190,000
740 DOBELL TERRACE NW · same community
2 bd · 2 ba · 1,475 sqft · $129/sqft · 20 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2645 ROCK CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2645 ROCK CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2645 ROCK CREEK DRIVE FAQs
What would the monthly payment be for 2645 ROCK CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,014/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 2645 ROCK CREEK DRIVE?+
The most recent tax bill on record (2025) was $3,863. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $400,000, this home is listed about 21% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2645 ROCK CREEK DRIVE?+
Meadow Park Elementary School (elementary), Port Charlotte High School (high), Murdock Middle School (middle) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Phoebe Menzer. MLS #C7530192.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 2645 ROCK CREEK DRIVE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anealya to ping you on any price or status change →