$305,000
Active3165 Rock Creek Dr, Port Charlotte, FL 33948
2 beds · 1 bath · 1,024 sq ft
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · MLS# C7529120
83 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Gulf access saltwater canal
- 80 feet waterfront
- Screened lanai
- New roof 2022
- Tankless water heater
- Hurricane-impact windows
- Storage shed
AI-selected highlights from the listing description below.
WATERFRONT CHARM MEETS MODERN UPDATES! Perfectly positioned on 80 feet of GULF ACCESS SALTWATER CANAL FRONTAGE, this beautifully updated 2-bedroom, 1-bathroom home offers the ideal blend of comfort, style, and Florida waterfront living. Whether you're searching for a full-time residence, winter retreat, or investment opportunity, this move-in-ready home is sure to impress. Step inside to discover a bright, inviting interior featuring the same tile flooring throughout, creating a seamless flow from room to room. Fresh interior paint (2025) complements the home's clean, modern feel, while the thoughtfully updated kitchen showcases QUARTZ COUNTERTOPS, A FARMHOUSE SINK, STAINLESS STEEL APPLIANCES, and ample cabinet space—making it as functional as it is beautiful. The spacious bathroom offers plenty of room for getting ready, and the primary bedroom provides direct access to the screened lanai through sliding glass doors, allowing you to step outside and enjoy peaceful canal views with your morning coffee or evening sunset. This home has been EXTENSIVELY UPDATED for added peace of mind, including a NEW ROOF (2022), A/C (2021), BRAND-NEW A/C DUCTWORK (2026), TANKLESS WATER HEATER (2025), COMPLETE HOME REPIPE (2025), HURRICANE-IMPACT WINDOWS AND DOORS (2024–2025), AND FRESH EXTERIOR PAINT (2026). These significant improvements offer valuable updates throughout the property, allowing you to spend less time worrying about maintenance and more time enjoying the waterfront lifestyle. Per the sellers, the home has not experienced flooding during their ownership, providing additional insight into the property's history. Outside, you'll find a spacious backyard with a storage shed for all your tools and outdoor equipment, along with plenty of room to relax, entertain, or create your own tropical oasis. With 80 FEET OF SALTWATER CANAL FRONTAGE, you'll enjoy easy access to the water and endless opportunities for boating, fishing, kayaking, or simply soaking in the tranquil setting. Conveniently located near shopping, dining, parks, golf courses, and the beautiful Gulf beaches Southwest Florida is known for, this tastefully updated waterfront home is ready for its next owner. Don't miss your opportunity to own a slice of paradise—schedule your private showing today!
Facts
- Property type
- Single Family Residence
- Year built
- 1976
- Bathrooms
- 1 full
- Living area
- 1,024 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes · 160 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- No
- Exposure
- East
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,493/yr
- Listed
- Aug 6, 2026
- MLS #
- C7529120
Price & status history
- Listed for $350,000
- Price reduced to $320,000from $330,000
- Price reduced to $310,000
- Price reduced to $305,000
Virtual tour
- Property Panorama tourpropertypanorama.comView the virtual tour(opens propertypanorama.com in a new tab)
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 3165 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
$2,087
$1,542 of that is principal & interest. 26% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,542
- Property taxes
- $291
- Homeowners insurance
- $254
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,087
Over the life of the loan
- Loan amount
- $244,000
- Down payment
- $61,000
- Total interest
- $311,209
- Principal + interest paid
- $555,209
- 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
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3165 Rock Creek Dr, Port Charlotte, FL 33948
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · MLS# C7529120 · 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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