4323 ROCK CREEK DRIVE, PORT CHARLOTTE, FL, 33948
Active321 days on marketListed Sep 29, 2025MLS #A4666666
About this home
4323 ROCK CREEK DRIVE
Updated SAILBOAT & YACHT ACCESS pool Home! Investment Opportunity. Experience the ultimate in waterfront lifestyle just minutes to Charlotte Harbor and the Gulf with no bridges to open water, on an oversized, deep water lot. Perfect for larger vessels and yachts, the property features an 80-foot DOCK with a lift and room for multiple boats. Step inside nearly 4,000 sq. ft. of living space, where soaring ceilings and natural light highlight the open concept design. A grand Bamboo wood spiral staircase sets the tone the moment you enter and continues throughout the second level. The gourmet kitchen is a chef’s dream, showcasing sleek countertops and top-of-the-line appliances, ideal for both everyday living and entertaining. Propane cooktop. The renovated primary suite boasts a spa-inspired bathroom with a custom shower, soaking tub, dual sinks and designer lighting. Additional bathrooms have also been beautifully updated with modern finishes, and new porcelain tile. Oversized 3-car garage. Whole-house generator & underground utilities Multiple A/C units and mini splits. Relax by the pool, host guests or set out on the open water. The choice is yours. Located between Sarasota and Fort Myers, with easy access to US-41AND I-75. Approximately 10 miles from Punta Gorda airport. Port Charlotte is a boater’s paradise, within close proximity to beautiful Gulf beaches and waterfront destinations throughout Southwest Florida. Whether you are seeking a full-time residence, seasonal escape or investment property, this one-of-a-kind waterfront retreat delivers the luxury, comfort and convenience you’ve been searching for. Living room, Family room and first floor primary suite photos have been virtually staged.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,946
Sqft
0.29 ac
Lot size
3
Garage
1991
Year built
Two
Levels
$298
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$8,035 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,035/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Port Charlotte actives
$298 vs $208
Days on market
321 vs 59 typical
Where $298/sqft sits among the 400 Port Charlotte actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside O'hara
Get to know Port Charlotte. See the full Port Charlotte guide →
O'hara — neighborhood snapshot
Population
5,202
Median age
58
Median income
$75,856
Median home value
$383,125
Avg household
2
Households w/ children
392
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
200 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3817% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4323 ROCK CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$925,000
4216 BUR STREET · same community
3 bd · 2 ba · 2,278 sqft · $406/sqft · 20 DOM
Sold · May ’26$599,000
19399 ABHENRY CIRCLE · same community
4 bd · 3 ba · 2,151 sqft · $278/sqft · 178 DOM
Sold · Jun ’26$257,500
4217 BUR STREET · same community
3 bd · 2 ba · 2,111 sqft · $122/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4323 ROCK CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4323 ROCK CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
4323 ROCK CREEK DRIVE FAQs
What would the monthly payment be for 4323 ROCK CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,035/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4323 ROCK CREEK DRIVE?+
The most recent tax bill on record (2024) was $13,130. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $1,175,000, this home is listed about 256% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4323 ROCK CREEK DRIVE?+
Murdock Middle School (middle), Meadow Park Elementary School (elementary), Port Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,175,000 runs 3817% above the PORT CHARLOTTE 33948 median — but at 3,946 sqft it's also nearly 2 times the size of the typical Port Charlotte listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
321 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,299,000, now $1,175,000 — a $124K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE AGENCY NORTHWEST FLORIDA · Alison Gesuele. MLS #A4666666.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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