3349 ROCK CREEK DRIVE, PORT CHARLOTTE, FL, 33948
Active43 days on marketListed Jun 30, 2026MLS #C7527631
About this home
3349 ROCK CREEK DRIVE
REMODELED AND MOVE IN READY! Updated 3 bedroom, 2 bath, 1-car garage waterfront home with QUICK BOATING ACCESS to Charlotte Harbor leading to the Gulf! For the avid boater, this property features 80’ of waterfrontage on a deep-water wide canal offering concrete dock with electric plus new seawall and 10,000 lb. boat lift in 2023. Seller updates also include new garage door, exterior paint, insulation plus 8’x10’ aluminum shed in 2022 and new A/C in 2023. Enclosed lanai features new sliding windows and offers tile flooring, sunshade and is a great space to enjoy the water views and amazing sunsets year-round rain or shine. The kitchen has been beautifully modernized with ample white cabinetry, stylish subway tile backsplash, stainless appliances and center island with breakfast bar. Living room, kitchen and all bedrooms have been updated to laminate flooring. Step inside to an open floor plan with vaulted ceilings plus large windows and sliders providing plenty of natural light for the living and dining areas. Generous primary suite features dual closets and private bath with walk-in shower, complemented by two comfortably sized guest bedrooms and an updated full guest bath. Additional special features include inside laundry room, covered screened front entry, outdoor patio for barbequing and convenient walkway to dock and separate driveway with plenty of room to park your boat or RV. Enjoy the freedom of no HOA fees or deed restrictions. This property offers an excellent location close to the Murdock restaurant and shopping district, Charlotte Beach Park, and local schools. Historic downtown Punta Gorda, known for its community events, parks, and world-class fishing, is just a short drive away. An ideal property for a permanent residence or a seasonal retreat.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,612
Sqft
0.23 ac
Lot size
1
Garage
1969
Year built
One
Levels
$239
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.
$2,922 /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
$2,922/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
+37.7%
$/sqft vs PORT CHARLOTTE SEC 008
$239 vs $186
Days on market
43 vs 60 typical
Where $239/sqft sits among the 27 homes for sale in PORT CHARLOTTE SEC 008
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 Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33948 — neighborhood snapshot
Population
18,732
Median age
59.4
Median income
$60,788
Median home value
$279,500
Avg household
2.32
Households w/ children
1,261
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)
16 of 27
PORT CHARLOTTE SEC 008 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1183% 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 3349 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 · Jun ’26$279,900
1193 NW VICTORIA AVENUE · same community
4 bd · 2 ba · 1,617 sqft · $173/sqft · 91 DOM
Sold · Dec ’25$250,000
18503 ELLEN AVENUE · same community
3 bd · 2 ba · 1,563 sqft · $160/sqft · 154 DOM
Sold · Apr ’26$245,000
3496 WINONA STREET · same community
2 bd · 2 ba · 1,680 sqft · $146/sqft · 95 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 3349 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 3349 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
3349 ROCK CREEK DRIVE FAQs
What would the monthly payment be for 3349 ROCK CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,922/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 3349 ROCK CREEK DRIVE?+
The most recent tax bill on record (2025) was $3,898. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3349 ROCK CREEK DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $384,999, this home is listed about 17% 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 3349 ROCK CREEK DRIVE?+
Liberty Elementary School (elementary), Port Charlotte High School (high), Murdock Middle School (middle) — 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
$384,999 runs 1183% above the PORT CHARLOTTE 33948 median.
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 $399,900, now $384,999 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA · Brian Helgemo. MLS #C7527631.
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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