Winding Waters
Homes for Sale in Palm City, FL
All 123 homes for sale in Palm City, FL · median $729,900 · 307 homes for sale in 34990 · Martin County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Beaches MLS
As of September 2026, the MLS records 8 closed sales in Winding Waters in Palm City, FL since 2001, the most recent in June 2026. Across Palm City as a whole, 136 homes closed in the last 12 months at a median of $776,500, 64 median days on market, with 51 homes for sale today. At that median and Martin County's FY2025-26 rate of 15.47 mills, annual property tax runs about $12,010 ($11,400 with the full homestead exemption).
| Location | Palm City, Martin County, FL · ZIP 34990 |
|---|---|
| Homes in the community | 8 (FL DOR 2025 assessment roll) |
| Years built | 1985–1999 (median 1987.0) |
| Typical living area | 2,894 sq ft (median) |
| Amenities listed by sellers | Security System |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 78% |
Data as of September 20, 2026. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Winding Waters key facts,” movewithmomentum.com/neighborhoods/winding-waters, data as of September 20, 2026.
Winding Waters is a small Palm City address in Martin County, and with no standout amenity set surfacing from current MLS listings, price here is going to be driven by the individual home more than by any community package. That means condition, lot, layout, and updates carry the weight — two homes on the same street can sit far apart on price for reasons you can see when you walk them.
For buyers, that puts the burden on the walkthrough: read the house, not a brochure. For sellers, it argues for getting the property presentation-ready, because there is no amenity story doing the selling for you. Come in with a clear-eyed view of comparable condition and you will price it right.
Nearby homes for sale
No active listings inside Winding WatersHomes for Sale in Palm City, FL 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.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Winding Waters sits in Palm City, on the Martin County side of the Treasure Coast, where the appeal is more about location and the individual home than about any on-site amenity package.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Winding Waters is best for.
Best for
- Buyers set on a Palm City location in Martin County who value place over community perks
- Buyers comfortable evaluating a home on its own condition, lot, and updates
- Buyers who prefer a quiet, low-amenity setting over a features-heavy development
Probably not for
- Buyers who want on-site amenities like a pool, clubhouse, or fitness center
- Buyers looking for a large-scale, feature-driven community
- Buyers who want an amenity story to carry resale rather than the home itself
The market around Winding Waters
Winding Waters is too small for its own price trend, so here is the market around it.
In ZIP 34990, 412 homes are on the market and 26% are under contract — a steady corner of Palm City.
Across Martin County, 1,283 homes are active and 398 pending (24% under contract).
In ZIP 34990 (Palm City), 322 homes closed in the last 12 months at a median of $765K ($280/sq ft), up 0.5% year over year, with a median 63 days on market. Right now 54 active and 23 pending listings put supply at about 5.1 months — a balanced market. See the live ZIP 34990 housing market and the Martin County market.
ZIP and county figures describe the wider market, not Winding Waters specifically. Momentum Research analysis of MLS records.
The Winding Waters buying strategy.
If we were buying in Winding Waters 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 Winding Waters.
A house-by-house market
Because no community amenities turn up in the current listings, there is no shared feature set to anchor value or set expectations. The result is a market where the spread between homes tends to be condition- and lot-driven, and where doing your homework on each specific property matters more than in an amenity-heavy community.
Martin County location does part of the work here — Palm City's position on the Treasure Coast is a real draw. But translate that into an offer or a list price only after you have compared like-for-like on the homes themselves, since that is where the actual value differences live.
The location and the amenities are priced into every listing in Winding Waters. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this house-specific, the value is in judging one property against another honestly — condition, lot, and updates — rather than leaning on a community pitch. We will walk the homes with you, tell you where a price is coming from, and flag the one that is not worth what it is asking.
Winding Waters in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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 Winding Waters 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 Winding Waters sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Winding Waters, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Winding Waters home worth?
Get a no-obligation home value based on real comparable sales in Winding Waters, 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 all homes for sale in Palm City →
Frequently Asked Questions
How many homes are in Winding Waters?
What share of Winding Waters is owner-occupied?
When were the homes in Winding Waters built?
Who is the best real estate agent for Winding Waters?
How do I find a top Palm City real estate agent who knows Winding Waters?
Can Momentum Realty connect me with an agent for Winding Waters?
Where is Winding Waters, and what county is it in?
Should you buy in Winding Waters?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Beaches MLS, refreshed twice daily (last: September 22, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34990)) |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2001 (8 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 Beaches 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?
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 Beaches MLS member average and 8 days faster, and we’ll price yours against live local comps.
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Nearby Communities
Explore more neighborhoods near Winding Waters with Momentum Realty’s local guides.