120 BAYBERRY CIRCLE UNIT 1801, ST AUGUSTINE, FL, 32086
Active15 days on marketListed Oct 22, 2026MLS #FC322168
About this home
120 BAYBERRY CIRCLE UNIT 1801
**Welcome to effortless Florida living in the charming, gated community of Cottages at Winding Creek!** This spacious 3-bedroom, 2-bath condominium offers approximately 1,594 square feet of comfortable living space in a wonderful St. Augustine location. With a thoughtfully designed floor plan, generous living areas, and plenty of room to relax or entertain, this home offers the perfect combination of comfort and convenience. Whether you're enjoying a quiet morning at home, entertaining friends, or heading out to explore everything St. Augustine has, you'll appreciate the easygoing lifestyle this community provides. Residents can enjoy the community pool and the added convenience of a gated neighborhood, all while being just a short drive from beautiful beaches, historic downtown St. Augustine, shopping, dining, and everyday essentials. Perfect for a primary residence, seasonal getaway, or those looking to enjoy a more low-maintenance lifestyle, this property offers a wonderful opportunity to experience the best of Northeast Florida. **Come discover the comfort, charm, and convenience of calling Cottages at Winding Creek home!**
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,594
Sqft
0 ac
Lot size
1
Garage
2010
Year built
Two
Levels
$191
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,823 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,823/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+5.3%
$/sqft vs St Augustine actives
$191 vs $240
Days on market
15 vs 44 typical
Where $191/sqft sits among the 184 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32086 — neighborhood snapshot
Population
34,855
Median age
50.2
Median income
$76,512
Median home value
$382,800
Avg household
2.38
Households w/ children
3,289
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$384K → $426K
St Augustine median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
86 of 184
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the ST AUGUSTINE 32086 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 120 BAYBERRY CIRCLE UNIT 1801
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$300,000
146 CASA BELLA LANE
3 bd · 2.5 ba · 1,546 sqft · $194/sqft · 109 DOM
Sold · Aug ’26$235,500
72 AMISTAD DRIVE
3 bd · 2.5 ba · 1,646 sqft · $143/sqft · 4 DOM
Sold · May ’26$340,000
398 GRACIELA CIRCLE
3 bd · 2 ba · 1,447 sqft · $235/sqft · 72 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 120 BAYBERRY CIRCLE UNIT 1801 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 BAYBERRY CIRCLE UNIT 1801 — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
120 BAYBERRY CIRCLE UNIT 1801 FAQs
What would the monthly payment be for 120 BAYBERRY CIRCLE UNIT 1801?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,823/mo — principal and interest, the actual property-tax bill, the $320/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 120 BAYBERRY CIRCLE UNIT 1801?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 BAYBERRY CIRCLE UNIT 1801?+
The most recent tax bill on record (2025) was $1,373. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 120 BAYBERRY CIRCLE UNIT 1801?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $305,000, this home is listed about 33% below the St Augustine median of $457,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 BAYBERRY CIRCLE UNIT 1801?+
Gamble Rogers Middle School (middle), Pedro Menendez High School (high), South Woods Elementary School (elementary), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK REAL ESTATE GROUP · Laura Kulaga. MLS #FC322168.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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