Windward Cay in Winter Garden

Windward Cay
Homes for Sale in Winter Garden, FL

All 750 homes for sale in Winter Garden, FL · median $585,000 · 679 homes for sale in 34787 · Orange County homes for sale

Community in Winter Garden · Orange County · ZIP 34787
66 homesBuilt 2002–2004Median sale $775K
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Built fromLive Stellar MLS data11 years of closingsFL DOR public recordsUpdated twice daily

Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $775,000, $232 per square foot, a median 5 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 2002 - 2003; 4 of 4 report an HOA (median $115/mo); none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 107 ft). At the median price and Orange County's FY2025-26 rate of 16.67 mills, annual property tax runs about $12,920 ($12,250 with the full homestead exemption).

Last 30 days in Windward Cay: 1 new listing (median asking $800,000). As of October 14, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.

Live · Windward Cay Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$775K
Median sold · 12 mo
$232/sf
Sold $/sqft · 12 mo
peak $232 in 2026
94.5%
Sale vs ask
Tempo
5days
Median DOM · closed
5 days at the 2026 low
0 · 0
For sale · pending
live counts, refreshed twice daily
3
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
92%
Owner-occupied · Windward Cay
61 of 66 parcels homesteaded (FL DOR 2025)
8%
Non-owner-occupied · Windward Cay
incl. 3% trust or LLC-held · 100% out-of-state
66
Homes in the community
66 residential parcels (FL DOR 2025)
Track record · 11 years of records
3
Recorded sales · 2024-2024
median $875K · qualified sales on the county roll (FL DOR 2025)
Est. 2002
Community established
homes built 2002-2004, median 2003 (FL DOR 2025)
3,358sqft
Median sold home size
12-mo windows, closed sales
4.5%/yr
Turnover rate
about 3 of 66 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Windward Cay is a small, tightly held pocket of 66 homes built in a narrow window between 2002 and 2004, and that consistency shows up in the numbers. With zero active listings as of this snapshot and only three closings in the recent window, pricing here is set by very thin trading, not a broad, liquid market. The $775,000 median and $232.28 median price per square foot reflect large-format homes (median living area of 3,137 square feet) rather than a wide mix of sizes and conditions.

A 5-day median days-on-market across those recent closings tells you that when something does list, it moves. For a seller, that argues for pricing at or near recent comparable levels rather than testing the market with room to negotiate. For a buyer, it means waiting for a listing to "sit" and create leverage is not a realistic strategy here - the practical move is being ready to act the week something comes to market, with financing and inspection logistics already lined up.

Nearby homes for sale

No active listings inside Windward Cay 48 125 right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.

3413 TURNINGWIND LANE
$849K · 0.1 mi away
4 bd · 3 ba · 2,917 sqft
3413 TURNINGWIND LANE
Listed by FOLIO REALTY LLC
2491 PRAIRIE VIEW DRIVE
$925K · 0.1 mi away
5 bd · 3 ba · 3,739 sqft
2491 PRAIRIE VIEW DRIVE
Listed by COMPASS FLORIDA LLC
14031 ZEPHERMOOR LANE
$800K · 0.2 mi away
5 bd · 3 ba · 3,007 sqft
14031 ZEPHERMOOR LANE
Listed by EXP REALTY LLC
2242 WINTERMERE POINTE DRIVE
$790K · 0.4 mi away
5 bd · 4 ba · 3,381 sqft
2242 WINTERMERE POINTE DRIVE
Listed by NEXTHOME BEST RESULTS REAL ESTATE
14050 FAIRWAY WILLOW LANE
$649K · 0.4 mi away
3 bd · 2 ba · 2,027 sqft
14050 FAIRWAY WILLOW LANE
Listed by LAKEFIELD REALTY GROUP LLC
2157 WINTERMERE POINTE DRIVE
$765K · 0.6 mi away
5 bd · 3.5 ba · 3,197 sqft
2157 WINTERMERE POINTE DRIVE
Listed by SOUTH EARTH REALTY LLC

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

Windward Cay market snapshot (as of September 20, 2026): the median sale price is about $775K ($232 per sq ft over the trailing 12 months of closed sales), and a median 5 days on market for closed sales.

In ZIP 34787 (Winter Garden), 2,123 homes closed in the last 12 months at a median of $595K ($252/sq ft), down 0.9% year over year, with a median 37 days on market. Right now 352 active and 181 pending listings put supply at about 3.7 months - a balanced market. See the live ZIP 34787 housing market and the Orange County market.

County records show 3 qualified sales in Windward Cay across 2024 - 2024, median $875,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Windward Cay is a community of 66 homes in Winter Garden, Orange County, built between 2002 and 2004 (median 2003.0), with a median living area of about 3,137 square feet. 92% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

A gated, deed-restricted enclave of 66 homes built in the early 2000s, Windward Cay trades on large living space and low turnover rather than volume - with no active listings at this snapshot, buyers are working from very limited, recent closing data rather than a live inventory to compare.

Best for

  • Buyers who want a larger home (median living area over 3,100 square feet) rather than an entry-size floor plan
  • Buyers comfortable moving quickly once a listing appears, given a median days-on-market of just 5 days in recent sales
  • Buyers who value a gated, deed-restricted setting with a consistent, early-2000s build era

Probably not for

  • Buyers who want to browse several active listings side by side before committing - none are currently on the market
  • Buyers working with a tight budget looking for entry-level pricing, given a $775,000 median sale price
  • Buyers hoping to negotiate on a home that has sat unsold - recent closings here moved in about a week

Windows contain 0 to 3 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Deemed reliable but not guaranteed.

Homes sold per 12-mo window
0123201620182020202220242026
0 to 3 a year; 3 in the current window.
How much local inventory is already under contract

31% of homes for sale in ZIP 34787 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-15).

Windward Cay Market Scorecard

Balanced

Windward Cay is currently a balanced market..

$775,000
Median sold
0/0/3
Active/Pend/Sold

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.

Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.

Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

If we were buying in Windward Cay today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Windward Cay.

Best Buy
Buyers seeking a larger home in an established, gated Winter Garden community and willing to move quickly when one becomes available.
Biggest Risk
With zero active listings, buyers may wait an extended period before anything comes to market at all.
Sweet Spot
Homes near the median size and price point, where the most recent closing data actually applies.
Avoid If
You need to compare multiple active listings before deciding - there is currently nothing on the market to compare.

A small, consistent pocket of Winter Garden

The homes in Windward Cay were built within a two-year span (2002 - 2004), which gives the community a consistent architectural era and lot pattern rather than the mixed vintages you see in communities built out over a decade or more. Median living area of 3,137 square feet points to larger, multi-bedroom floor plans, and the $232.28 median price per square foot suggests value here is driven primarily by size and condition rather than by a wide spread of product types.

A homestead share of 92.4% is notable - the large majority of homes in this community carry a homestead exemption, which generally indicates owner-occupied use rather than a market with heavy investor or short-term-rental turnover. Combined with zero current active listings, this is a community where inventory simply does not sit on the market waiting for buyers - it's worth setting up a listing alert and being ready to move quickly when something appears.

“

The location and the amenities are priced into every listing in Windward Cay. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

With no active listings and only a handful of recent closings to reference, pricing a home in Windward Cay accurately takes more than pulling a generic comp sheet - it takes someone tracking this specific 66-home community closely enough to know what the last few sales actually looked like inside. We help sellers price against that thin, real data instead of guesswork, and help buyers move fast and correctly the moment something comes available.

Windward Cay in 15 seconds.

Best forBuyers seeking a larger home in an established, gated Winter Garden community and willing to move quickly when one becomes available.
Biggest advantageThe owner-occupancy pattern and consistent 2002 - 2004 build era give the community a settled, predictable character.
Biggest riskWith zero active listings, buyers may wait an extended period before anything comes to market at all.
Sweet spotHomes near the median size and price point, where the most recent closing data actually applies.
Avoid ifYou need to compare multiple active listings before deciding - there is currently nothing on the market to compare.

What it really costs to own in Windward Cay

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

HOA duesMedian $115/month across 103 MLS listings (most billed quarterly; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe average Citizens Property Insurance premium in Orange County is $1,409/yr (4,204 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction.
Roof and ageMedian build year 2003 across 4 listings. An original roof here would be about 23 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails.

Email me new listings in Windward Cay

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Windward Cay

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Windward Cay will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Windward Cay homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Windward Cay.
In short
  • HOA dues reported around $115/month (about $1,380/yr) · median of 103 MLS listings, most billed quarterly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $115 per month ($1,380 a year) - the median AssociationFee across 103 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Windward Cay sales matched to your home.

What is your Windward Cay home worth?

Get a no-obligation home value based on real comparable sales in Windward Cay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

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Real comps, not an automated estimate.
Windward Cay key facts
LocationWinter Garden, Orange County, FL · ZIP 34787
Homes in the community66 (FL DOR 2025 assessment roll)
Years built2002–2004 (median 2003.0)
Typical living area3,137 sq ft (median)
Amenities listed by sellersDeed Restrictions, Gated Community - No Guard, Gated, Gated Community
Sale prices, last 12 months$775,000 median across 3 closed sales · $232 per sq ft
Days on market (closed sales)5 median
For sale right now0 active, 0 pending
Owner-occupied (homestead) share92%

Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Windward Cay key facts,” movewithmomentum.com/neighborhoods/windward-cay-48-125-winter-garden, data as of September 20, 2026.

Housing distress & ownership in Windward Cay 48 125, Winter Garden

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 6 listings
Distress share trend - 0.0% now (2026-08-12 → 2026-10-05)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.

Frequently Asked Questions

What is the median home price in Windward Cay?
The median sale price in Windward Cay was $775K over the 12 months ending September 20, 2026 (3 closed sales, Stellar MLS).
How long do homes in Windward Cay take to sell?
Homes that closed in the 12 months ending September 20, 2026 took a median 5 days on market (3 sales, Stellar MLS).
How many homes are in Windward Cay?
The Florida DOR 2025 assessment roll shows 66 homes in Windward Cay (public records).
What share of Windward Cay is owner-occupied?
92% of Windward Cay parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Windward Cay built?
Homes in Windward Cay were built between 2002 and 2004, with a median year built of 2003.0 (FL DOR 2025 roll).
Who is the best real estate agent for Windward Cay?
The best agent for Windward Cay is one who actively works Winter Garden and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Windward Cay.
How do I find a top Winter Garden real estate agent who knows Windward Cay?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Windward Cay and the wider Winter Garden area.
Can Momentum Realty connect me with an agent for Windward Cay?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Windward Cay purchase or sale - no call center and no pressure.
Where is Windward Cay, and what county is it in?
Windward Cay is in Winter Garden, Orange County, FL, ZIP 34787. The community's center is about 5 miles northwest of the center of Winter Garden (straight-line).
Buyers who want a larger home (median living area over 3,100 square feet) rather than an entry-size floor planExcellent fit
Buyers comfortable moving quickly once a listing appears, given a median days-on-market of just 5 days in recent salesExcellent fit
Buyers who value a gated, deed-restricted setting with a consistent, early-2000s build eraExcellent fit
Buyers who want to browse several active listings side by side before committing - none are currently on the marketProbably not
Buyers working with a tight budget looking for entry-level pricing, given a $775,000 median sale priceProbably not
Buyers hoping to negotiate on a home that has sat unsold - recent closings here moved in about a weekProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 7, 2026)
Community market statsStellar MLS closed sales, 12-month windows ending September 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (3 streets, ZIP 34787))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2015 (15 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.

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Nearby Communities

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Woodbridge On Green0.4 mi away · median $630K, 4 sales/12 moSunset Lakes0.7 mi away · median $846K, 4 sales/12 moWintermere Pointe0.7 mi away · median $560K, 8 sales/12 mo

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Thinking of selling in Windward Cay 48 125? 3 recorded closings; median 5 days on market (window ending 2026-09-20). See the Orange County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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