110 MAGNOLIA CROSSING POINT UNIT 1901, ST AUGUSTINE, FL, 32086
Active161 days on marketListed Feb 12, 2026MLS #FC315796
About this home
110 MAGNOLIA CROSSING POINT UNIT 1901
CORNER UNIT condo in the gated community of Cottages at Winding Creek. Priced below market offering a great opportunity for investors or buyers looking to add value and build equity. BRAND NEW HVAC installed 5/01/26. Long-term rentals in the community are achieving approximately $2,000/month. Welcome to this beautifully maintained 3-bedroom, 2.5-bath corner-unit condo in the gated Cottages at Winding Creek, offering the perfect blend of privacy, convenience, and Florida lifestyle living. Ideally positioned with no rear neighbors and peaceful conservation views, this home provides a rare sense of tranquility while remaining close to everything St. Augustine. As a corner unit, the home enjoys added natural light, extra privacy, and a quieter setting. The main living areas and bedrooms feature laminate wood flooring, creating a clean, cohesive look throughout, while the carpeted staircase adds comfort and warmth between levels. The kitchen is thoughtfully designed with granite countertops, 42-inch cabinetry, and ample storage, opening seamlessly to the living and dining areas perfect for everyday living and entertaining. Step outside to the screened lanai and enjoy tranquil views of the private, wooded backdrop — an ideal space for morning coffee or evening relaxation. Prime Location & Unmatched Convenience: Just minutes to I-95 — Easy access for commuting north or south. Close to St. Augustine Beaches & the Intracoastal — Enjoy boating, fishing, and coastal living just a short drive away. Near Historic Downtown St. Augustine — World-class dining, shopping, and cultural attractions at your fingertips. Convenient to shopping, restaurants, and daily essentials The gated community offers peace of mind along with desirable amenities, including a community pool and beautifully maintained common areas. A one-car garage, ample guest parking, and low-maintenance living make this home ideal as a primary residence, second home, or investment opportunity. This is a rare opportunity to own a private, corner-unit condo in a sought-after location where serenity meets accessibility. Enjoy the best of St. Augustine living from historic charm to coastal adventures — all just minutes from your front door.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,594
Sqft
0.21 ac
Lot size
1
Garage
2010
Year built
Two
Levels
$178
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.
$2,465 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,465/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.
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.
$/sqft vs St Augustine actives
$178 vs $244
Days on market
161 vs 39 typical
Where $178/sqft sits among the 179 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
34,347
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
75 of 179
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 110 MAGNOLIA CROSSING POINT UNIT 1901
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 · Jul ’26$319,000
102 CASA BELLA LANE UNIT 102
3 bd · 2.5 ba · 1,546 sqft · $206/sqft · 23 DOM
Sold · Oct ’25$353,500
61 BALEARICS DRIVE
4 bd · 2 ba · 1,671 sqft · $212/sqft · 359 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 110 MAGNOLIA CROSSING POINT UNIT 1901 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 110 MAGNOLIA CROSSING POINT UNIT 1901 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
110 MAGNOLIA CROSSING POINT UNIT 1901 FAQs
What would the monthly payment be for 110 MAGNOLIA CROSSING POINT UNIT 1901?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,465/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 110 MAGNOLIA CROSSING POINT UNIT 1901?+
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 110 MAGNOLIA CROSSING POINT UNIT 1901?+
The most recent tax bill on record (2025) was $2,247. 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 110 MAGNOLIA CROSSING POINT UNIT 1901?+
The listing reports pets: Cats OK, Dogs OK. 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 $284,000, this home is listed about 35% 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 110 MAGNOLIA CROSSING POINT UNIT 1901?+
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
Four things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
161 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $294,000, now $284,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HAMMOCK REAL ESTATE GROUP · Laura Kulaga. MLS #FC315796.
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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