$400,000
Active4083 Rock Creek Dr, Port Charlotte, FL 33948
3 beds · 2 baths · 1,696 sq ft
Listing courtesy of SELLSTATE VISION REALTY · MLS# C7530076
57 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Enjoy waterfront living in Port Charlotte for under $400K! This beautifully updated 3-bedroom, 2-bathroom home offers a wide canal, an 8,000-lb. boat lift, a spacious Florida Room, and a BRAND-NEW ROOF! Even better, this home would make the perfect Airbnb or Vacation Rental with no county minimum restrictions. With major updates already completed, this home is ready for its next owner to move right in or explore its rental potential. Step inside to find a fresh, updated interior featuring new flooring throughout, fresh interior paint, new kitchen cabinetry, and beautiful granite countertops. Additional improvements include a new electrical panel and a water heater replaced in 2020. One of the best features of this home is the oversized 418 sq. ft. enclosed Florida Room, where you can enjoy peaceful canal views and beautiful Florida sunsets. With sliding glass doors and ceiling fans, this space can be easily cooled by opening the sliders to the main living area. Whether you're enjoying your morning coffee, entertaining guests, or watching the boats pass by, this room is sure to become a favorite spot in the house! Including this additional space, the home offers over 2,100 sq. ft. of usable living space. For those who love being on the water, the wide canal and 8,000-lb. boat lift make boating convenient and enjoyable. The large, fully fenced backyard also provides plenty of space for pets, outdoor gatherings, or simply relaxing by the water. The oversized 2-car garage offers plenty of storage, along with a separate air-conditioned laundry room. Additional features include hurricane-impact windows throughout the home, a Kevlar hurricane screen protecting the Florida Room, city water, and a well-fed irrigation system to help keep the lawn looking its best. Located in a quiet residential area of Port Charlotte, this home offers easy access to shopping, restaurants, golf courses, boating, and some of Southwest Florida's beautiful Gulf Coast beaches. Whether you're looking for a full-time residence, a seasonal getaway, or a property that's already furnished and stocked for vacation rental use, this waterfront home offers plenty of possibilities! Schedule your own personal tour today!
Facts
- Property type
- Single Family Residence
- Year built
- 1974
- Bathrooms
- 2 full
- Living area
- 1,696 sqft
- Lot size
- 0.25 acres
- Waterfront
- Yes · 80 ft
- Water access
- Bay/Harbor, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay
- Water view
- Yes
- Private pool
- No
- Exposure
- East
- Furnished
- Negotiable
- Flood zone
- 9AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $2,338/yr
- Listed
- Sep 1, 2026
- MLS #
- C7530076
Price & status history
- Listed for $399,000
- Status changed to Active Under Contract
- Status changed to Active
- Price increased to $400,000
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 4083 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
$2,551
$2,023 of that is principal & interest. 21% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,023
- Property taxes
- $195
- Homeowners insurance
- $333
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,551
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.
4083 Rock Creek Dr, Port Charlotte, FL 33948
Listing courtesy of SELLSTATE VISION REALTY · MLS# C7530076 · 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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