Tyrone Wiggins, 50, was arrested on Nov. 19, a day after he retired from the force.
Authorities say Wiggins befriended the girl's family two years before the increasingly violent assaults began.
He is charged with rape, involuntary deviate sexual intercourse and statutory sexual assault.
Wiggins is free on bail. A man who identified himself as Wiggins when called at his home Monday said the caller had the wrong person.
Another officer, Adrian Makuch, was charged last week with soliciting a 15-year-old boy.