Eric Chery
$289,900$299,0003 bd2 ba1,680 sqft$173 /sqft$2,313 /mo all-in ↓

215 BAYBERRY CIRCLE UNIT 605, ST AUGUSTINE, FL, 32086

Active218 days on marketListed Dec 18, 2025MLS #FC314783

Reduced $9KCondominiumCOTTAGES/WINDING CRK

About this home

215 BAYBERRY CIRCLE UNIT 605

Welcome home to this move-in-ready 3-bedroom, 2-bath condo with an attached 1-car garage in the highly desirable Cottages of Winding Creek. This upstairs unit offers the advantage of vaulted ceilings and a bright, open floor plan, creating a spacious and inviting living environment. The light-filled kitchen is beautifully appointed with granite countertops, stainless steel appliances, 42'' cabinetry, a prep island, pantry, and a generous eat-in breakfast area—perfect for everyday living and entertaining. The open living and dining areas flow seamlessly to a screened-in lanai, where you can relax and enjoy peaceful pond and preserve views. The split-bedroom layout provides excellent privacy. The owner's suite is a true retreat, featuring a luxurious bath with double granite vanities, soaking garden tub, separate tiled shower, water closet, and an oversized walk-in closet. The second and third bedrooms are located on the opposite side of the condo and share a full bath ideal for guests or family. Additional highlights include upstairs laundry, a convenient storage closet on the lanai, and a private one-car garage. Residents of Cottages of Winding Creek enjoy access to a community pool and clubhouse, all within an ideal location just minutes from St. Augustine beaches, historic downtown, shopping, dining, medical facilities, and major roadways. Fantastic opportunity to own a spacious condo in a gated community close to everything St. Augustine has to offer. Schedule your private showing today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,680

Sqft

0 ac

Lot size

1

Garage

2007

Year built

Two

Levels

$173

Per sqft

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesEast
ExteriorBalcony

Community & fees

Taxes (2025)$3,822/yr
PetsBreed Restrictions
CommunityCommunity Mailbox · Gated Community - No Guard · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,313 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,707
FHA mortgage insurance (est.)$128
Property tax — 2025 actual bill$319
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,147Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $10,147
Interest rate6.00%
Loan term

Estimated payment

$2,313/mo

Principal & interest$1,707
FHA mortgage insurance (est.)$128
Property taxes (actual bill)$319
Est. insurance$160

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.

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.

List $290K
$278KedgeAI estimate $324,522 · range $318K$340K$354K

vs edgeAI estimate

−10.7%

$/sqft vs St Augustine actives

$173 vs $244

Days on market

218 vs 39 typical

Where $173/sqft sits among the 179 St Augustine actives

85 · this home
39
17
14
6
18
$173–237$237–302$302–367$367–432$432–496$496+

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

Map of 215 BAYBERRY CIRCLE UNIT 605

Get to know St Augustine. See the full St Augustine guide →

ST AUGUSTINE 32086 — neighborhood snapshot

Population

34,347

Median age

50.2

Median income

$74,508

Median home value

$342,000

Avg household

2.41

Households w/ children

3,407

For the school run

St. Johns County School District

ElementaryOsceola Elementary School★★★★
MiddleR J Murray Middle School★★★★★
Mky- Head Start /Dpp Pk School
HighFirst Coast Technical College
HighPedro Menendez High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Augustine market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s market

$450K$400K

St Augustine median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

74 of 179

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 2% above the ST AUGUSTINE 32086 median. See the full St Augustine market guide →

Paper trail

This home's history

CurrentPrice reduced to $289,900 $9K
Dec 18, 2025Listed at $299,000 · 218 days on market since
2007Built · COTTAGES/WINDING CRK

Reality check

What actually sold near 215 BAYBERRY CIRCLE UNIT 605

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

61 BALEARICS DRIVESold · Oct ’25

$353,500

61 BALEARICS DRIVE

4 bd · 2 ba · 1,671 sqft · $212/sqft · 359 DOM

189 AMISTAD DRIVESold · Jul ’25

$327,000

189 AMISTAD DRIVE

3 bd · 2.5 ba · 1,764 sqft · $185/sqft · 44 DOM

146 CASA BELLA LANESold · Mar ’26

$300,000

146 CASA BELLA LANE

3 bd · 2.5 ba · 1,546 sqft · $194/sqft · 109 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 215 BAYBERRY CIRCLE UNIT 605 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 215 BAYBERRY CIRCLE UNIT 605 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

215 BAYBERRY CIRCLE UNIT 605 FAQs

What would the monthly payment be for 215 BAYBERRY CIRCLE UNIT 605?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,313/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 215 BAYBERRY CIRCLE UNIT 605?+

The most recent tax bill on record (2025) was $3,822. 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 215 BAYBERRY CIRCLE UNIT 605?+

The listing reports pets: Breed Restrictions. 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 $289,900, this home is listed about 34% below the St Augustine median of $439,900. The market section on this page shows how the area is trending.

Which schools are assigned to 215 BAYBERRY CIRCLE UNIT 605?+

Osceola Elementary School (elementary), R J Murray Middle School (middle), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high), Pedro Menendez High School (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Time on market is leverage

218 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.

02Strong assigned schools

Osceola Elementary School, R J Murray Middle School, Mky- Head Start /Dpp Pk School, First Coast Technical College, Pedro Menendez High School — Osceola Elementary School rates 4 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $299,000, now $289,900 — a $9K cut. The full history is in the market section below.

Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Pavel Martynenko. MLS #FC314783.

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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