Windward Cay
Homes for Sale in Winter Garden, FL
All 720 homes for sale in WINTER GARDEN, FL · median $575,000 · 509 homes for sale in 34787 · Orange County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-12, 3 recorded sales closed at a median of $775,000, $232 per square foot, a median 5 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 2002 - 2003; 3 of 3 report an HOA (median $115/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 108 ft). At the median price and Orange County's FY2025-26 rate of 16.67 mills, annual property tax runs about $12,920 ($12,250 with the full homestead exemption).

Windward Cay is a small, tightly held pocket of 66 homes built in a narrow window between 2002 and 2004, and that consistency shows up in the numbers. With zero active listings as of this snapshot and only three closings in the recent window, pricing here is set by very thin trading, not a broad, liquid market. The $775,000 median and $232.28 median price per square foot reflect large-format homes (median living area of 3,137 square feet) rather than a wide mix of sizes and conditions.
A 5-day median days-on-market across those recent closings tells you that when something does list, it moves. For a seller, that argues for pricing at or near recent comparable levels rather than testing the market with room to negotiate. For a buyer, it means waiting for a listing to "sit" and create leverage is not a realistic strategy here - the practical move is being ready to act the week something comes to market, with financing and inspection logistics already lined up.
Nearby homes for sale
No active listings inside Windward Cay 48 125 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
Windward Cay market snapshot (as of September 12, 2026): the median sale price is about $775K ($232 per sq ft over the trailing 12 months of closed sales), and a median 5 days on market for closed sales.
In ZIP 34787 (WINTER GARDEN), 2,162 homes closed in the last 12 months at a median of $595K ($251/sq ft), down 0.6% year over year, with a median 36 days on market. Right now 357 active and 169 pending listings put supply at about 3.8 months - a balanced market. See the live ZIP 34787 housing market and the Orange County market.
Stellar MLS sales records identify 47 homes in Windward Cay that have changed hands since 2006, built between 2002 and 2004 (median 2003), with a median living area of about 3,140 sq ft and a typical 4-bedroom, 3-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
A gated, deed-restricted enclave of 66 homes built in the early 2000s, Windward Cay trades on large living space and low turnover rather than volume - with no active listings at this snapshot, buyers are working from very limited, recent closing data rather than a live inventory to compare.
The setting & the homes.
Aerial and on-site photos of Windward Cay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Windward Cay; content deemed reliable but not guaranteed.
Who Windward Cay is best for.
Best for
- Buyers who want a larger home (median living area over 3,100 square feet) rather than an entry-size floor plan
- Buyers comfortable moving quickly once a listing appears, given a median days-on-market of just 5 days in recent sales
- Buyers who value a gated, deed-restricted setting with a consistent, early-2000s build era
Probably not for
- Buyers who want to browse several active listings side by side before committing - none are currently on the market
- Buyers working with a tight budget looking for entry-level pricing, given a $775,000 median sale price
- Buyers hoping to negotiate on a home that has sat unsold - recent closings here moved in about a week
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($775K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Deemed reliable but not guaranteed.
WINDWARD CAY 48 125 Market Scorecard
WINDWARD CAY 48 125 is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34787 ZIP is $574,696, right around the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Windward Cay 48 125, WINTER GARDEN
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. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Windward Cay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Windward Cay
- Gated Community · reported on 1 of 3 listings
- Gated · reported on 1 of 3 listings
- Deed Restrictions · reported on 1 of 3 listings
- Gated Community - No Guard · reported on 1 of 3 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The Windward Cay buying strategy.
If we were buying in Windward Cay 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 Windward Cay.
A small, consistent pocket of Winter Garden
The homes in Windward Cay were built within a two-year span (2002 - 2004), which gives the community a consistent architectural era and lot pattern rather than the mixed vintages you see in communities built out over a decade or more. Median living area of 3,137 square feet points to larger, multi-bedroom floor plans, and the $232.28 median price per square foot suggests value here is driven primarily by size and condition rather than by a wide spread of product types.
A homestead share of 92.4% is notable - the large majority of homes in this community carry a homestead exemption, which generally indicates owner-occupied use rather than a market with heavy investor or short-term-rental turnover. Combined with zero current active listings, this is a community where inventory simply does not sit on the market waiting for buyers - it's worth setting up a listing alert and being ready to move quickly when something appears.
The location and the amenities are priced into every listing in Windward Cay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With no active listings and only a handful of recent closings to reference, pricing a home in Windward Cay accurately takes more than pulling a generic comp sheet - it takes someone tracking this specific 66-home community closely enough to know what the last few sales actually looked like inside. We help sellers price against that thin, real data instead of guesswork, and help buyers move fast and correctly the moment something comes available.
Windward Cay in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $115/month (about $1,380/yr) · median of 9 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $115 per month ($1,380 a year) - the median AssociationFee across 9 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Windward Cay 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 Windward Cay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Windward Cay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Windward Cay home worth?
Get a no-obligation home value based on real comparable sales in Windward Cay, 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 Winter Garden →
Frequently Asked Questions
What is the median home price in Windward Cay?
How long do homes in Windward Cay take to sell?
Who is the best real estate agent for Windward Cay?
How do I find a top Winter Garden real estate agent who knows Windward Cay?
Can Momentum Realty connect me with an agent for Windward Cay?
Should you buy in Windward Cay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2015 (15 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 Stellar 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 Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Windward Cay 48 125 fits the bigger picture — live prices, inventory, and Momentum Scores:
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