1086 Rock Creek St, photo 1
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Overview

4 bd3 ba3,000 sqft3 car garageSingle Family
TypeSingle Family
HOA$230.5/qtr
Built2015
Lot0.47 ac
Living area3,000 sqft
Price / sqft$220
Garage3 car

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About this home

Eat-in KitchenOpen FloorplanPrimary Bedroom Main FloorWalk-in Closet(s)Window TreatmentsPrivate YardSidewalkDishwasher

1086 Rock Creek St is a 2015-built home in Rock Spgs Rdg Ph Vii-a, Apopka. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,000 square feet of living space. Listed at $659,000 (about $220/sqft), 88 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $230.5 quarterly.

From the listing

Welcome to this beautifully maintained, move-in-ready pool home in the desirable Rock Springs Ridge community! Offering 4 bedrooms, 3 bathrooms, a dedicated office/flex space, and a 3-car garage, this thoughtfully designed home combines comfort, functionality, and Florida living at its finest. Step inside to an open-concept floor plan filled with natural light, enhanced by elegant plantation shutters throughout. The spacious kitchen features granite countertops, stainless steel appliances, abundant cabinetry, and a large island overlooking the main living area perfect for entertaining or everyday living. The private primary suite provides a peaceful retreat with a spacious walk-in closet and an ensuite bath featuring dual vanities, a soaking tub, and a separate walk-in shower. Enjoy peace of mind with a brand new AC making this home truly move-in ready. Step outside to your private pool and covered lanai, creating the perfect space to relax, entertain, or enjoy Florida's beautiful weather year-round. The fully fenced backyard offers additional privacy for family and pets. Conveniently located near parks, shopping, dining, major highways, and top-rated schools, this exceptional home offers the perfect blend of style, comfort, and convenience. Don't miss your opportunity to make this beautiful home yours—schedule your private showing today!

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The essentials

Built
2015
Price / sqft
$220
On market
88 days
Annual tax
$6,089
HOA
$230.5/qtr
Flood zone
X · Low risk
Lot
0.47 ac
Type
Single Family Residence

At a glance

Single family
Built 2015
Private pool
In Ground
3 car garage
0.47 acres
Lot size
3,000 sqft
Living area

Payment

Est. monthly payment
$4,351/mo
Down payment (20%)
$131,800
Property taxes
$507/mo
HOA
$230.5/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2015
Lot
0.47 ac
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground
Days on Market
88
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Walk-in Closet(s)
Window Treatments
Private Yard
Sidewalk
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Kelly Park
Middle
Kelly Park
High
Apopka High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,089
Parcel #
17-20-28-7430-01-311

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Rock Spgs Rdg Ph Vii-a
County
Orange
MLS Area
32712 - Apopka
Lot Size
0.47 ac
HOA
$230.5/qtr
Rock Springs Ridge Homeowners Association, Inc.

Price history

Date
Event
Price
8/26/2026
Price change
Source: Stellar MLS #O6426550
$659,000-0.9%
$220/sqft
7/17/2026
Listed for sale
Source: Stellar MLS #O6426550
$665,000
$222/sqft

Neighborhood

1086 Rock Creek St
Apopka, FL, 32712 · 32712 - Apopka

Market insights

Offer Insights

Choose an offer strength

List price: $659,000
$655,000 – $659,000
99.5% – 100% of listTops out right at the list price
80% of listList price
186 of the last 343 home closings in 32712 landed at this number or higher (54%). The median one sat 37 days before it went under contract, and this one is on day 88 after a $6,000 cut.

Sample: 343 closed home sales in 32712 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,351/mo
Principal & interest$3,437
Property taxes$507
Insurance$330
HOA$77
Down payment20% · $131,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$659,000

$220 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,000 sq ft

Time on market

88 days

Year built

2015

Monthly payment

About $4,351/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,089 annual tax bill, insurance, and the $230.5/qtr HOA fee.

HOA fee

$230.5/qtr

Managed by Rock Springs Ridge Homeowners Association, Inc..

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byTHE SIMON SIMAAN GROUPListing agent: Ashley PalataListing data from Stellar MLS, MLS# O6426550.

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