Windmill Creek
Homes for Sale in Satsuma, FL
All 54 homes for sale in Satsuma, FL · median $244,950 · 70 homes for sale in 32189 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, the MLS records 5 closed sales in Windmill Creek in Satsuma, FL since 2002, the most recent in December 2025. Across Satsuma as a whole, 33 homes closed in the last 12 months at a median of $185,000, 72 median days on market, with 65 homes for sale today. At that median and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $3,120 ($2,450 with the full homestead exemption).
Windmill Creek is a small pocket in Satsuma — only 11 homes in this snapshot — and that alone tells you most of what drives price here. With so few properties, there is no reliable price band to lean on; condition, lot, and how a home has been kept do the heavy lifting. Homes were built across a span from 1984 to 2007, with the median around 2005, so you are looking at a mix of older stock and homes now roughly two decades old. Expect the spread between a tired listing and an updated one to be wide.
The homestead share sits at half, which points to a community that isn't purely owner-occupied but isn't dominated by turnover either. For a buyer, that means you'll want to underwrite each home on its own merits rather than assume a neighborhood 'going rate.' For a seller, presentation and honest condition disclosure matter more than any comp, because there simply aren't many comps to hide behind.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Windmill Creek 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
Windmill Creek is a compact Putnam County community in Satsuma where the small home count means every listing tells its own story — median living space runs near 1,853 square feet, but condition and vintage vary enough that no two sales look alike.
realMLS (Northeast Florida) sales records identify 5 homes in Windmill Creek that have changed hands since 2002, built between 1984 and 2007 (median 1986), with a median living area of about 1,804 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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 Windmill Creek is best for.
Best for
- Buyers seeking a modest single-family footprint in the 1,853-square-foot range with room to update
- Buyers who value a quiet, small community over a large master-planned subdivision
- Value-minded buyers willing to take on condition work in exchange for a sharper price
Probably not for
- Buyers who need a broad set of active listings to choose from
- Buyers who want tight, data-rich comps to justify an offer
- Buyers seeking newer-than-2007 construction or larger floor plans
The market around Windmill Creek
Windmill Creek is too small for its own price trend, so here is the market around it.
In ZIP 32189, 83 homes are on the market and 13% are under contract — a slower corner of Satsuma.
Across Putnam County, 782 homes are active and 125 pending (14% under contract).
In ZIP 32189 (Satsuma), 42 homes closed in the last 12 months at a median of $185K ($145/sq ft), down 12.9% year over year, with a median 74 days on market. Right now 15 active and 4 pending listings put supply at about 4.8 months — a soft market. See the live ZIP 32189 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not Windmill Creek specifically. Momentum Research analysis of MLS records.
Windmill Creek by the numbers
From county property records and closed MLS sales for the Windmill Creek subdivision: 5 homes on record; built 1984–2007; typical size about 1,727 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2002 | 1 | $95,500 |
| 2005 | 1 | $175,000 |
| 2017 | 1 | $130,000 |
| 2019 | 1 | $214,000 |
| 2025 | 1 | $270,000 |
Newest recorded sale: $270,000 on 2025-12-05.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
The Windmill Creek buying strategy.
If we were buying in Windmill 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 Windmill Creek.
A thin market where condition sets the price
With 11 homes and a build range stretching from 1984 to 2007, Windmill Creek doesn't offer the statistical comfort of a large subdivision. The median year built of 2005 suggests a cluster of newer construction alongside an older tail, and the median living area near 1,853 square feet points to modest, single-family scale rather than sprawling floor plans. None of this is a knock — it's simply a market you read house by house.
Because inventory is so limited, timing and condition matter more than in a large community. A well-kept, updated home can command attention because there are few alternatives; an outdated one may sit until it's priced for the work it needs. Buyers should budget for inspection findings on the older end of the range, and sellers should assume a sharp buyer will notice deferred maintenance quickly.
The location and the amenities are priced into every listing in Windmill Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small, one bad comp or one deferred-maintenance surprise can swing a deal. We price and negotiate off the actual condition in front of us, not a made-up range, and we'll tell you plainly when a Windmill Creek home is worth the number or when it isn't. That candor is worth more here than in a neighborhood where the data does the talking for you.
Windmill Creek in 15 seconds.
Tools for a Windmill 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 Windmill Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Windmill 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 Windmill Creek home worth?
Get a no-obligation home value based on real comparable sales in Windmill 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.
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More Satsuma home searches
- All homes for sale in Satsuma, FL
- Homes for sale in Putnam County, FL
- Satsuma waterfront homes for sale
- ZIP 32189 housing scorecard
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Recent Developments in Windmill Creek
Development, infrastructure, retail, and school activity affecting Windmill Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Infrastructure
Crill Avenue in Palatka to close Nov. 2 for railroad work
The city of Palatka will close both lanes of Crill Avenue from Osceola Street to South 13th Street near the railroad underpass on Monday, Nov. 2, from 9 a.m. to 2 p.m. The closure could extend to Nov. 3 if needed. No traffic can pass under the tracks until the railroad work is finished.
What it may mean for the marketDrivers in central Palatka should expect short detours and added travel time on the day of the closure. The project is about 6 miles north of Windmill Creek, elsewhere in Putnam County.
Source: Palatka Daily News - October 2026Infrastructure
Port Putnam receives $285,000 state grant for infrastructure planning
Port Putnam, off Comfort Road in Palatka, received a $285,000 Rural Infrastructure Fund planning grant from FloridaCommerce with no county match required. The money covers studies and preliminary designs for port upgrades. The port authority also voted to let its chairperson sign port documents and discussed a workshop on broadening the board.
What it may mean for the marketPlanning for port upgrades could eventually expand industrial and freight capacity near Palatka, supporting local employment and commercial land demand. The site is about 6 miles northeast of Windmill Creek.
Source: Palatka Daily News - October 2026Development
Georgia-Pacific plans $150 million replacement of paper machine at Palatka mill
Georgia-Pacific announced a roughly $150 million project to replace the No. 4 paper machine, installed in 1980, at its Palatka mill. Completion is expected in the second quarter of 2028. The company says the project will not directly add permanent jobs at a mill that employs 1,032 people, though construction will bring in contractors.
What it may mean for the marketThe investment signals long-term commitment to a major Putnam County employer and should bring temporary contractor activity to the Palatka area through 2028. The site is about 7 miles north of Windmill Creek.
Source: Palatka Daily News - October 2026Development
Palatka commissioners give first approval to annex 10 parcels
The Palatka City Commission voted 3-2 on its Thursday meeting to give the first of two required approvals to annex 10 parcels into the city, against legal advice to wait. Parcel locations, acreage and planned use were not published in the visible report.
What it may mean for the marketAnnexation would extend city services and zoning to additional parcels around Palatka, potentially adding developable land inside city limits. The site is about 6 miles north of Windmill Creek.
Source: Palatka Daily News - September 2026Development
Putnam Habitat completes fifth and final home in Veterans Village of Palatka
Putnam Habitat for Humanity finished the fifth home in the Veterans Village off Westover Drive on about 2 acres, a project begun in 2018. Infrastructure cost nearly $500,000, and Habitat plans another home on an adjoining lot.
What it may mean for the marketSmall-scale affordable infill adds a handful of owner-occupied homes to the Palatka housing supply. The project is about 5 miles north of Windmill Creek, elsewhere in Putnam County.
Source: Palatka Daily News - May 2026Development
Palatka Planning Board advances downtown redevelopment PUD
The Palatka Planning Board unanimously approved a Planned Unit Development for multiple downtown parcels at St. Johns Avenue and Reach Street. The plan includes the James Hotel with 30 to 70 rooms, commercial spaces, and a rooftop bar and restaurant at the former Bingo Palace building, described by the developer as a tens of millions of dollars investment. The project now advances to the city commission for final consideration.
What it may mean for the marketA downtown hotel and mixed use redevelopment adds lodging and commercial space to the Palatka core and supports the downtown property market. The project is about 6 miles north of Windmill Creek, elsewhere in Putnam County.
Source: The Local Lens
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
Frequently Asked Questions
How many homes are in Windmill Creek?
What share of Windmill Creek is owner-occupied?
When were the homes in Windmill Creek built?
Who is the best real estate agent for Windmill Creek?
How do I find a top Satsuma real estate agent who knows Windmill Creek?
Can Momentum Realty connect me with an agent for Windmill Creek?
Where is Windmill Creek, and what county is it in?
How far is Windmill Creek from downtown Jacksonville and the beach?
Should you buy in Windmill Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32189)) |
| Under-contract shares | realMLS records, as of 2026-10-31 |
| Historical depth | Closed-sale records back to 2002 (5 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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Nearby Communities
Explore more neighborhoods near Windmill Creek with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Windmill Creek. These are the public schools most often assigned to other communities in ZIP 32189; zones change and vary by address, so confirm with the district before you buy.
- Palatka Jr.-Sr. High School · 7-12 -- confirm zoning by address (assigned to 5 nearby communities)
- Robert H. Jenkins Jr. Middle School · Middle (assigned to 4 nearby communities)
- James A. Long Elementary School · Elementary · FLDOE grade B (assigned to 4 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).