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$460,000

3197 ROCK CREEK DRIVE, PORT CHARLOTTE, FL 33948

3D Tour

Active54 days on market

Beds

Baths

Sq Ft

1,725 sq ft

Year Built

1985

Lot Size

0.23 acres

Garage

About This Property

Welcome to your own slice of waterfront paradise with quick Gulf access, wide canal views, and everything a boater could want, including a boat lift and AFFORDABLE FLOOD INSURANCE. Spend your days on the water and your evenings unwinding on the expansive lanai, enjoying the pool and taking in breathtaking western exposure sunsets. From the moment you walk through the front door, your eyes are drawn straight to the outdoor living space through pocketing glass sliders, creating that seamless indoor outdoor Florida lifestyle buyers are looking for. Inside, this light filled home features volume ceilings with decorative beams in the great room and an updated kitchen with custom hardwood cabinetry, soft close drawers, granite countertops, a breakfast bar, and stainless-steel appliances. The spacious primary suite offers a sitting area with direct access to the pool, dual vanities, a walk-in shower, and generous his and hers walk-in closets. The guest bathroom provides convenient access from both the interior living space and the pool area, offering a functional layout similar to a Jack and Jill design. Major updates provide peace of mind, including a new roof in 2022, hurricane impact windows in 2020, roll down shutters on lanai, a pool heater in 2019, and a new septic in 2015. Conveniently located near shopping, dining, and medical facilities, this home combines comfort, style, and the best of Florida waterfront living.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #C7525167

StatusActive

Year Built1985

Total Rooms5

ConstructionBlock

RoofShingle

FoundationSlab

FacesEast

SubdivisionPORT CHARLOTTE SEC 008

CountyCharlotte

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s)

FlooringLaminate

AppliancesDishwasher, Range, Refrigerator

LaundryLaundry Room

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorLighting

Lot Size0.23 acres (10,004 sq ft)

Road SurfaceAsphalt

Pool & Spa

Private PoolYes

Pool FeaturesGunite, Heated, In Ground, Lighting, Screen Enclosure

Waterfront

WaterfrontYes

FeaturesCanal - Saltwater

Utilities

WaterPublic

SewerSeptic Tank

UtilitiesCable Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$460,000

Original Price$465,000

Annual Taxes$3,577 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningRSF3.5

Parcel #402220153009

Directions

Lake Worth to Chevy Chase to Rock Creek, house is on the right hand side of the road.

Location

3197 ROCK CREEK DRIVE, PORT CHARLOTTE, FL 33948

Listing Information

OfficeRE/MAX PALM REALTY

ListedMay 22, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$460,000

Down Payment20% ($92,000)

Interest Rate6.75%

Loan Term

Principal & Interest$2,387

Property Tax (est.)$422

Insurance (est.)$150

Total Monthly$2,959

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How to Buy This Home

Multiple financing options available for this $460,000 home in PORT CHARLOTTE.

🏛️

FHA Loan

$16,100 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$23,000 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 15, 2026.