Cottages At Winding Creek in St. Augustine

Cottages At Winding Creek
Homes for Sale in St. Augustine, FL

Community in St. Augustine · St. Johns County · ZIP 32086
Median sale $280K
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True comps, carrying-cost math, and listings before the portals.

Live Market Pulse
31/100
Market Heat
Cooler than normal
2013 → 2026 · 80 at the 2022 peak
0 is Cottages At Winding Creek's coldest market since 2013, 100 its hottest. Today: 31. How it's scored
Built fromLive realMLS data17 years of closingsUpdated twice daily
Live · Cottages At Winding Creek Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Price
$280K
Median sold · 12 mo
down 9.5% vs the prior 12 months
-9.5%
1-yr price change
n = 8 and 5 sales in the two windows
$183/sf
Sold $/sqft · 12 mo
peak $204 in 2024
94.8%
Sale vs ask
St. Johns median: 95.8%
Tempo
1.5mo
Supply
3 to 6 months is the balanced band
102days
Median DOM · closed
14 days at the 2022 low
0%
Under contract
St. Johns: 35% (1,018 of 2,935)
1 · 0
For sale · pending
live counts, refreshed twice daily
8
Sold · last 12 mo
10-yr average: about 7 a year
Ownership and context
50%
Cash buyers · Cottages At Winding Creek
2 of 4 sales, 12 mo ending July 2025
Track record · 17 years of records
0
Failed listings · 2025
peaked at 16 in 2010
1,442sqft
Median sold home size
12-mo windows, closed sales
Jon Brooks, founder of Momentum Realty
Jon's Current Read

This is a thin market by any measure: seven closings in the trailing window and a single active listing today, so any one sale carries outsized weight on the numbers. The median price sits at $280,000, or $184.79 per square foot, and that figure is down 11.1% year over year — a move that reflects the small sample as much as it reflects demand. With so few transactions to average, condition and finish differences on any given unit can swing the median more than the broader St. Johns County market would.

Momentum's posture on this one is patient and precise. With months of supply at 1.5 and only one home actively listed, inventory is genuinely tight, which is why the market reads as seller-leaning even against a falling median. The median 104-day time on market tells a different story on the demand side, though — it took real pricing discipline to get the last several sales closed, so sellers should not assume a fast, effortless close just because supply is scarce, and buyers who are patient and well-prepared have real room to negotiate on terms.

Cottages At Winding Creek Housing Pulse · Momentum Research · as of August 5, 2026

Cottages At Winding Creek right now

🟡 Balanced market. 1.5 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 5, 2026. Confidence: Medium (1 active and pending listings, 8 closed sales in 12 months).

🔴 Off the recent peak. The trailing-12-month median ($280K) is down 9.5% from the prior 12 months ($310K). With about 7 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending August 5. Confidence: Low (8 and 5 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

Updated August 5, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Cottages At Winding Creek market snapshot (as of August 5, 2026): the median sale price is about $280K ($183 per sq ft over the trailing 12 months of closed sales), a median 102 days on market for closed sales, and 1.5 months of supply, a balanced market. The trailing-12-month median is down 10% from the prior 12 months, computed from record-level realMLS closed sales (8 closings in the current window).

Cottages At Winding Creek is a gated community in St. Augustine, St. Johns County, built around a shared clubhouse, pool, tennis courts, and playground rather than large private lot amenities — the kind of trade-off that keeps maintenance simpler but ties buyers to HOA-run common areas.

Best for

  • Buyers who want low-maintenance ownership and are comfortable with grounds, pool, and clubhouse access handled through an HOA.
  • Buyers targeting a purchase near the $280,000 median who can move decisively once a rare listing appears.
  • Buyers prioritizing gated access and on-site recreation (pool, tennis, playground) over a large private lot.

Probably not for

  • Buyers who need to choose from multiple active listings right now — there is only one on the market.
  • Buyers unwilling to accept HOA dues and rules in exchange for maintained common areas and security features.
  • Sellers expecting a quick, no-negotiation close — the 104-day median time on market argues against that assumption.

Windows contain 0 to 11 sales each (8 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$200K$300K20122014201620182020202220242026
Down 9.5% year over year.
Every sale since 2009 · price vs size
$0$100K$200K$300K1k2k2k
82 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$150$20020122014201620182020202220242026
Up from $89 in 2012 to a $204 peak in 2024; $183 now.
Median days on market · closed sales
05010015020122014201620182020202220242026
14 days at the 2022 low; 102 now.
Sale price vs original ask · median
92%95%98%20122014201620182020202220242026
94.8% now vs St. Johns 95.8%.
Homes sold per 12-mo window
051020122014201620182020202220242026
0 to 11 a year; 8 in the current window.
Sellers who gave up · failed listings per year
05101520102018202220242025
Canceled, expired, or withdrawn. 16 quit in 2010; 0 so far in 2025. The clearest stress gauge a community has.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning20182020202220242026
80 at the 2022 peak, 24 in the troughs, 31 now. Same score as the hero card, full history.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are St. Johns County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,908/mo
St. Johns County typical true cost to own
$115/mo
St. Johns County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Cottages at Winding Creek Market Scorecard

Strong seller's market

Cottages at Winding Creek is currently a strong seller's market. About 1.7 months of supply, a median asking price of $289,900, and homes go under contract in about 199 days.

1.7
Months supply
$289,900
Median list
$280,000
Median sold
$173
Per sqft
199
Days on mkt
1/1/7
Active/Pend/Sold

Typical home value in the 32086 ZIP is $371,087, right around the Florida norm (Zillow Home Value Index).

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

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Housing distress & ownership in Cottages At Winding Creek, St. Augustine

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
Median closed sale price — $298,750 (12-mo rolling)

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. Source: Data provided by realMLS. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.

Homes For Sale Right Now in Cottages At Winding Creek

Live MLS inventory for Cottages At Winding Creek. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Cottages At Winding Creek listings as of 2026-08-05, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.

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

If we were buying in Cottages At Winding Creek 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 Cottages At Winding Creek.

Best Buy
Buyers who want a gated, amenity-served home and are comfortable with a thin, low-inventory resale market.
Biggest Risk
With only one active listing and seven recent closings, pricing signals here are volatile and easy to misread.
Sweet Spot
Buyers targeting the $280,000 median price point who are willing to wait out a 104-day typical selling timeline.
Avoid If
You need a fast, guaranteed-inventory purchase — with one listing active, timing is largely out of your control.

A Small, Amenity-Dense Pocket

The amenity package here is dense for the price point: a gated entry with a security gate, entry phone/intercom, and security fence, plus a clubhouse, pool, tennis court(s), and playground, with grounds maintenance and trash handled through the HOA. That combination points to a community built for low-maintenance ownership rather than large individual yards — buyers are paying for shared infrastructure and access control, not square footage on a private lot. As always with HOA-reported amenities, current access and condition should be verified directly with the HOA before writing an offer.

On the numbers, this is a market where the sample size matters more than usual. Seven closings and one active listing is not enough data to draw firm conclusions about direction, and the 11.1% year-over-year decline in median price should be read in that light — it is a real number, but it is also a number that a single high- or low-priced closing can move substantially. The 104-day median time on market, set against a seller-leaning supply picture of 1.5 months, suggests homes here sell on patience and correct pricing rather than on scarcity alone.

The location and the amenities are priced into every listing in Cottages At Winding Creek. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
6.2C+ · Buy Score
Recent Direction3.6/10
Liquidity & Demand8.5/10
Pricing Power6.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (6.2). Basis: Recent Direction -9.5% year-over-year; Liquidity & Demand 1.5 months of supply; Pricing Power 94.8% sale-to-list. Refreshed with each data update.

Why work with Momentum here

A community this thin on transaction volume punishes generic pricing advice — with only seven closings and one listing active, a comp-pull that does not account for condition and unit-level differences will mislead a seller or a buyer. Momentum treats a market like this as a case-by-case pricing exercise, weighing the $280,000 median and $184.79 per square foot against the specific unit rather than the community-wide average, and building offers or list prices around the real 104-day selling pattern instead of what a low months-of-supply figure implies on its own.

Cottages At Winding Creek in 15 seconds.

Best forBuyers who want a gated, amenity-served home and are comfortable with a thin, low-inventory resale market.
Biggest advantageA dense amenity package — pool, clubhouse, tennis, playground, and gated security — bundled into HOA-maintained grounds.
Biggest riskWith only one active listing and seven recent closings, pricing signals here are volatile and easy to misread.
Sweet spotBuyers targeting the $280,000 median price point who are willing to wait out a 104-day typical selling timeline.
Avoid ifYou need a fast, guaranteed-inventory purchase — with one listing active, timing is largely out of your control.

HOA, CDD & Fees

In short
  • Mandatory HOA — confirm current dues
  • Any club/amenity membership is billed separately

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 Cottages At Winding Creek sales matched to your home.

What is your Cottages At Winding Creek home worth?

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

See homes for sale in Cottages At Winding Creek on the map →

Real comps, not an automated estimate.

Frequently Asked Questions

What is the median home price in Cottages At Winding Creek?
The median sale price in Cottages At Winding Creek was $280K over the 12 months ending August 5, 2026 (8 closed sales, realMLS).
How long do homes in Cottages At Winding Creek take to sell?
Homes that closed in the 12 months ending August 5, 2026 took a median 102 days on market (8 sales, realMLS).
Is Cottages At Winding Creek a buyer's or seller's market right now?
As of August 5, 2026, Cottages At Winding Creek is roughly balanced: 1.5 months of supply at the current sales pace (realMLS live counts).
Do cash buyers compete in Cottages At Winding Creek?
Cash buyers took 50% of Cottages At Winding Creek sales in the 12 months ending July 2025 (2 of 4 closings, realMLS).
Who is the best real estate agent for Cottages At Winding Creek?
The best agent for Cottages At Winding Creek is one who actively works St. Augustine 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 Cottages At Winding Creek.
How do I find a top St. Augustine real estate agent who knows Cottages At Winding Creek?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cottages At Winding Creek and the wider St. Augustine area.
Can Momentum Realty connect me with an agent for Cottages At Winding Creek?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cottages At Winding Creek purchase or sale - no call center and no pressure.
Buyers who want low-maintenance ownership and are comfortable with grounds, pool, and clubhouse access handled through an HOA.Excellent fit
Buyers targeting a purchase near the $280,000 median who can move decisively once a rare listing appears.Excellent fit
Buyers prioritizing gated access and on-site recreation (pool, tennis, playground) over a large private lot.Excellent fit
Buyers who need to choose from multiple active listings right now — there is only one on the market.Probably not
Buyers unwilling to accept HOA dues and rules in exchange for maintained common areas and security features.Probably not
Sellers expecting a quick, no-negotiation close — the 104-day median time on market argues against that assumption.Probably not

Nearby Communities

Explore more neighborhoods near Cottages At Winding Creek with Momentum Realty’s local guides.

Grand Ravine St AugustineSt. Augustine, FL · 0.2 miCKCrescent Key St AugustineSt. Augustine, FL · 0.8 miVillages Of Valencia St AugustineSt. Augustine, FL · 1.5 miBSBrookestone St AugustineSt. Augustine, FL · 1.7 miCSCrescent Shores St AugustineSt. Augustine, FL · 1.8 miCSConquistador St AugustineSt. Augustine, FL · 2.0 miSt Augustine ShoresSt. Augustine, FL · 2.3 miOSOakbrook St AugustineSt. Augustine, FL · 3.2 mi

Browse all Florida neighborhood guides →

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: August 5, 2026)
Community market statsrealMLS closed sales, 12-month windows ending August 5, 2026
Under-contract sharesrealMLS records, as of 2026-08-01
Historical depthClosed-sale records back to 2009 (82 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 realMLS 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.

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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 realMLS member average and 8 days faster, and we’ll price yours against live your area comps.

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