$574,000
Active3205 Rock Creek Dr, Port Charlotte, FL 33948
4 beds · 2 baths · 2,052 sq ft
Listing courtesy of KW PEACE RIVER PARTNERS · MLS# C7531356
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
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
- Property type
- Single Family Residence
- Year built
- 2005
- Living area
- 2,052 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- Northeast
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $7,349/yr
- Listed
- 2026-09-29
- MLS #
- C7531356
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 3205 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
$3,993
$2,902 of that is principal & interest. 27% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,902
- Property taxes
- $612
- Homeowners insurance
- $478
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,993
Over the life of the loan
- Loan amount
- $459,200
- Down payment
- $114,800
- Total interest
- $585,684
- Principal + interest paid
- $1,044,884
- 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.
3205 Rock Creek Dr, Port Charlotte, FL 33948
Listing courtesy of KW PEACE RIVER PARTNERS · MLS# C7531356 · 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.
