Windmill Creek
Homes for Sale in Satsuma, FL
True comps, carrying-cost math, and listings before the portals.
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.
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.
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, 76 homes are on the market and 24% are under contract — a steady corner of Satsuma.
Across Putnam County, 491 homes are active and 128 pending (21% under contract).
ZIP and county figures describe the wider market, not Windmill Creek specifically. Momentum Research analysis of MLS records.
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.
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 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.
See homes for sale in Windmill Creek on the map →
Should you buy in Windmill Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-08-18 |
| Historical depth | Closed-sale records back to 2002 (10 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.
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 realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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See how Windmill Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
More Satsuma & Palatka & St. Johns River Country guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Palatka & St. Johns River Country or the full Neighborhood Finder.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Putnam 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 · Putnam 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.