Cottages At Winding Creek
Homes for Sale in St. Augustine, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat

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 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.
The setting & the homes.
Aerial and on-site photos of Cottages At Winding Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from realMLS listings in Cottages At Winding Creek; content deemed reliable but not guaranteed.
Who Cottages At Winding Creek is best for.
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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 5 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($280K) IS the median in the snapshot above, and the move from 2025 ($310K) IS the -9.5% one-year change.
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.
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.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · St. Johns County scorecard.
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
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.
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.
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.
Cottages At Winding Creek on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Cottages At Winding Creek
- Pool · reported on 8 of 9 listings
- Gated · reported on 7 of 9 listings
- Security Gate · reported on 7 of 9 listings
- Maintenance Grounds · reported on 4 of 9 listings
- Clubhouse · reported on 3 of 9 listings
- Trash · reported on 2 of 9 listings
- Playground · reported on 1 of 9 listings
- Tennis Court(s) · reported on 1 of 9 listings
- Entry Phone/Intercom · reported on 1 of 9 listings
- Security Fence · reported on 1 of 9 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The Cottages At Winding Creek buying strategy.
If we were buying in Cottages At Winding Creek today, this is the order of operations we would run for our clients.
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.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
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.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Cottages At Winding Creek buys, holds, and resells. Momentum Research; not an appraisal.
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.
HOA, CDD & Fees
- 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.
Tools for a Cottages At Winding Creek buy.
Free calculators to pressure-test the real cost before you tour.
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.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cottages At Winding Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
Frequently Asked Questions
What is the median home price in Cottages At Winding Creek?
How long do homes in Cottages At Winding Creek take to sell?
Is Cottages At Winding Creek a buyer's or seller's market right now?
Do cash buyers compete in Cottages At Winding Creek?
Who is the best real estate agent for Cottages At Winding Creek?
How do I find a top St. Augustine real estate agent who knows Cottages At Winding Creek?
Can Momentum Realty connect me with an agent for Cottages At Winding Creek?
Should you buy in Cottages At Winding Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Cottages At Winding Creek with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 5, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 5, 2026 |
| Under-contract shares | realMLS records, as of 2026-08-01 |
| Historical depth | Closed-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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