$400,000
Active2645 Rock Creek Dr, Port Charlotte, FL 33948
3 beds · 2 baths · 1,515 sq ft
Listing courtesy of MARINA PARK REALTY LLC · MLS# C7530192
57 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
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
- Property type
- Single Family Residence
- Year built
- 2023
- Bathrooms
- 2 full
- Living area
- 1,515 sqft
- Lot size
- 0.23 acres
- Private pool
- No
- Exposure
- South
- Furnished
- Unfurnished
- Flood zone
- 9AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,863/yr
- Listed
- Sep 1, 2026
- MLS #
- C7530192
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 2645 ROCK CREEK DR. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$2,678
$2,023 of that is principal & interest. 24% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,023
- Property taxes
- $322
- Homeowners insurance
- $333
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,678
Over the life of the loan
- Loan amount
- $320,000
- Down payment
- $80,000
- Total interest
- $408,142
- Principal + interest paid
- $728,142
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
Take a tour
Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
2645 Rock Creek Dr, Port Charlotte, FL 33948
Listing courtesy of MARINA PARK REALTY LLC · MLS# C7530192 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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