Pine Creek
Homes for Sale in Port St Joe, FL
True comps, carrying-cost math, and listings before the portals.
Pine Creek carries a median of $320,000 at roughly $178 per square foot, and with no amenities identified from current listings, price here is driven by the homes themselves — condition, layout, and updates — rather than by any shared community package. Expect a wide spread around that median depending on what each seller has or hasn't done to the property.
The current posture favors buyers. Prices are down 9.2% year over year, a market heat score of 15 signals a cool tempo, and a median of 46 days on market means listings are sitting long enough to negotiate. Sellers should price to the current reality, not to last year's comps, and plan for the home to work for its number.
Pine Creek right now
🔴 Off the recent peak. The trailing-12-month median ($300K) is down 18.9% from the prior 12 months ($370K). With about 4 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 cpar closed sales, 12-month windows ending July 28. Confidence: Low (4 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 28, 2026 · Live data: cpar, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Pine Creek market snapshot (as of July 28, 2026): the median sale price is about $300K, and a median 124 days on market for closed sales. The trailing-12-month median is down 19% from the prior 12 months, computed from record-level cpar closed sales (4 closings in the current window).
Pine Creek is a community of 34 homes in Port St Joe, Gulf County, built between 1973 and 2024 (median 2021.0), with a median living area of about 2,368 square feet. 33% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Pine Creek is a home-driven pocket of Melbourne in Brevard County where value is set property by property, not by community amenities. The recent pullback in prices sits on top of substantial long-run appreciation, so context matters more than any single month's read.
Who Pine Creek is best for.
Best for
- Buyers with a budget near the mid-$300s who want to negotiate rather than compete
- Buyers comfortable evaluating a home on its condition and updates, not on shared amenities
- Long-hold buyers who value a track record of appreciation over short-term momentum
Probably not for
- Buyers who want resort-style or shared community amenities
- Buyers counting on quick appreciation or a fast flip
- Buyers who need certainty from deep, plentiful recent comps
The Pine Creek buying strategy.
If we were buying in Pine 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 Pine Creek.
A cool market on a long uptrend
Two numbers frame Pine Creek. Prices are up 83% since 2012, but down 9.2% over the past year — the kind of split that says the neighborhood has held real long-term ground while the recent market cooled. The 11 closings in the current window is a thin sample, so treat any single data point as directional rather than precise.
With no community amenities pulling on value, buyers are paying for the house. That puts a premium on knowing which updates hold their worth and which don't. At 46 median days on market and a heat score of 15, there's room to inspect, negotiate, and walk away — leverage that wasn't there in hotter years.
The location and the amenities are priced into every listing in Pine 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 Pine 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 (2.7). Basis: Recent Direction -18.9% year-over-year; Owner Commitment 33% owner-occupied; Pricing Power 90.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a thin, cooling market with only 11 recent closings, the comps that matter are the ones read carefully — adjusting for condition and updates rather than trusting a headline median. We price to where the market actually is, coach sellers on the improvements that carry weight, and give buyers the room a 46-day market gives them to negotiate.
Pine 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 Pine 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 Pine Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pine 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 Pine Creek home worth?
Get a no-obligation home value based on real comparable sales in Pine 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 Pine Creek on the map →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Gulf 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 · Gulf 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.
Frequently Asked Questions
What is the median home price in Pine Creek?
How long do homes in Pine Creek take to sell?
How many homes are in Pine Creek?
What share of Pine Creek is owner-occupied?
When were the homes in Pine Creek built?
Who is the best real estate agent for Pine Creek?
How do I find a top Port St Joe real estate agent who knows Pine Creek?
Can Momentum Realty connect me with an agent for Pine Creek?
Should you buy in Pine Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | cpar closed sales, 12-month windows ending July 28, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (2 streets, ZIP 32456)) |
| Historical depth | Closed-sale records back to 2025 (7 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 cpar 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?
You just read the data. Now see what your home is worth.
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 cpar member average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Pine Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
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