4234 ROCK CREEK DRIVE, PORT CHARLOTTE, FL, 33948
Active111 days on marketListed Apr 24, 2026MLS #C7525297
About this home
4234 ROCK CREEK DRIVE
Beautiful saltwaterfront pool home with access to Charlotte Harbor and the Gulf! Built in 2006, this spacious 3 bedroom, 2 bath home offers 2,131 sq. ft. under air, an oversized 2-car garage, high ceilings, and an open floor plan designed for Florida living. French doors from the living area open to an expansive pool deck overlooking the solar-heated pool, dock, boat lift, and waterfront setting. The home has a separate Formal dining room (Could be used as an office) and a dinette area just off the kitchen with pool view. The kitchen features abundant cabinet space with pull-outs and drawers, a cooktop, built-in oven, and a convenient built-in desk area. The large primary suite includes a lighted coffered ceiling, two walk-in closets, and an en-suite bath with a tiled walk-in shower and soaking tub. The oversized interior laundry room also offers direct access to the primary bath. Negotiable Furniture available. The guest wing includes two spacious bedrooms, a well-appointed guest bath, and convenient pool access from the guest hallway and third bedroom. Additional features include a 2022 roof, oversized corner lot, and an impressive 81-foot extra parking pad—perfect for a boat, RV, or additional vehicles. A wonderful opportunity to enjoy boating, waterfront views, and the Southwest Florida lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,131
Sqft
0.31 ac
Lot size
2
Garage
2006
Year built
One
Levels
$249
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.
$4,080 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,080/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+3.5%
$/sqft vs PORT CHARLOTTE SEC 037
$249 vs $223
Days on market
111 vs 60 typical
Where $249/sqft sits among the 28 homes for sale in PORT CHARLOTTE SEC 037
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)
15 of 28
PORT CHARLOTTE SEC 037 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1666% 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 4234 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 · Apr ’26$475,000
18809 MCGRATH CIRCLE · same community
3 bd · 3 ba · 2,084 sqft · $228/sqft · 5 DOM
Sold · Apr ’26$491,000
4406 MEAGER CIRCLE · same community
3 bd · 3 ba · 2,000 sqft · $246/sqft · 5 DOM
Sold · Oct ’25$522,000
18649 KLINGLER CIRCLE · same community
3 bd · 2.5 ba · 2,290 sqft · $228/sqft · 43 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4234 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 4234 ROCK CREEK DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4234 ROCK CREEK DRIVE FAQs
What would the monthly payment be for 4234 ROCK CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,080/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 4234 ROCK CREEK DRIVE?+
The most recent tax bill on record (2025) was $6,796. 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 $529,900, this home is listed about 61% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4234 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
Three things that matter here
01Positioned at the premium end
$529,900 runs 1666% above the PORT CHARLOTTE 33948 median — but at 2,131 sqft it's also 30% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $545,000, now $529,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Bryan French. MLS #C7525297.
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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