3205 ROCK CREEK DRIVE, PORT CHARLOTTE, FL, 33948
Active7 days on marketListed Oct 5, 2026MLS #C7531356
About this home
3205 ROCK CREEK DRIVE
Welcome to your own tropical waterfront oasis at 3205 Rock Creek Dr! This beautifully updated 4-bedroom, 2-bath home offers just under 2,100 square feet of comfortable living space, a THREE-CAR GARAGE, and an incredible saltwater Gulf-access waterfront lifestyle. Situated on a saltwater canal with less than 2 miles to open water, this property is truly built for enjoying everything Florida waterfront living has to offer. Step outside and you’ll find a heated pool and screened-in lanai overlooking the water, along with a 35-foot dock equipped with water and electricity and a 10,000-pound boat lift—perfect for boating, fishing, or simply relaxing by the water. Inside, the home welcomes you with an inviting split-bedroom floor plan, abundant natural light, cathedral ceilings, stainless steel appliances, a formal dining area, and a convenient interior laundry room. The spacious primary suite features a beautifully appointed bathroom with a Roman shower and relaxing soaking tub, while newer plantation shutters add an elegant finishing touch throughout the home. And the Florida lifestyle doesn’t stop at the water’s edge. Imagine spending your days poolside, watching the boats cruise by and enjoying the abundant wildlife from your own private retreat. Mature avocado, mango, lemon, and fig trees add to the tropical feel and make the outdoor space even more special. Be sure to explore the included 3D virtual tour and floor plan for an immersive first look at this exceptional property. Located on a quiet stretch of Rock Creek Dr in a desirable Port Charlotte neighborhood, you’ll enjoy a peaceful waterfront setting while remaining conveniently close to shopping, dining, entertainment, beaches, and everything Southwest Florida has to offer. If you’ve been dreaming of a home where boating, relaxation, and the Florida lifestyle come together, this one deserves a spot at the top of your list. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,052
Sqft
0.23 ac
Lot size
3
Garage
2005
Year built
One
Levels
$280
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.
$4,085 /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
$4,085/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+18.3%
$/sqft vs Port Charlotte actives
$280 vs $200
Days on market
7 vs 74 typical
Where $280/sqft sits among the 399 Port Charlotte actives
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)
201 of 399
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1813% 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 3205 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 · Apr ’26$555,500
4107 CORN STREET
3 bd · 2 ba · 2,061 sqft · $270/sqft · 221 DOM
Sold · Jul ’26$321,000
4423 ALBACORE CIRCLE
3 bd · 2 ba · 2,032 sqft · $158/sqft · 40 DOM
Sold · May ’26$378,000
19010 MCGRATH CIRCLE
3 bd · 2 ba · 2,078 sqft · $182/sqft · 150 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3205 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 3205 ROCK CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3205 ROCK CREEK DRIVE FAQs
What would the monthly payment be for 3205 ROCK CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,085/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 3205 ROCK CREEK DRIVE?+
The most recent tax bill on record (2025) was $7,349. 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 $574,000, this home is listed about 75% above the Port Charlotte median of $328,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3205 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.
The brief
Three things that matter here
01Positioned at the premium end
$574,000 runs 1813% above the PORT CHARLOTTE 33948 median — but at 2,052 sqft it's also 26% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a Port Charlotte market that averages 74 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Chris Pizzolato. MLS #C7531356.
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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