Start Your Winding Stream Buyer Consultation
Contact Details

Jesse McGreevy

[email protected]

(239) 898-6072

24031 S Tamiami Trl #101

Bonita Springs, FL 34134

Marc Comisar

(239) 287-5873

Mon to Fri, 9 am to 6 pm

Weekends by appointment

McGreevy and Comisar, Brokered by Domain Realty

By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated November 2026.

Buying in Winding Stream means a two-bedroom, two-bath garden condominium in Spring Run at The Brooks, and 11 of the 120 homes closed on the Southwest Florida MLS in the 12 months to October 21, 2026, at a $325,000 median. This buyer guide sits beside our Winding Stream neighborhood guide, which holds the history, the association records and the schools, and it answers the buyer's question: which condo, at what price, with which fees, and what to ask before you write an offer inside Spring Run at The Brooks.

Winding Stream is a Chapter 718 condominium with its own Recreation Association, pool and manager, inside a gated community whose golf club comes with the deed, so a purchase here comes with two associations, a $12,000 club resale fee and a reading list of documents. If you own a home you need to sell first, our Winding Stream seller guide covers that side, and our Winding Stream valuation guide shows how we price each floor plan. Comparing buyer's agents first? Our guide to the best real estate agents in Estero sets the options side by side on the public record.

If you are weighing Winding Stream against the rest of The Brooks, our guide to buying a home in The Brooks compares all five Brooks communities, and our Spring Run at The Brooks guide covers the club and the fee stack.

Why McGreevy and Comisar Are the Best Realtor for Winding Stream

McGreevy and Comisar are the best realtor for buying a Winding Stream condo because we show you every recent closing for your floor plan, the fee stack and the documents before you offer, and we negotiate the terms as well as the price. We are the #1 Team in Southwest Florida since 2012 and Top 1% nationally since 2008.

Buy in Winding Stream with the #1 Team in Southwest Florida since 2012

Marc Comisar leads our buyer side and Jesse McGreevy runs the data and the paperwork. We lead Domain Realty Group, and as the leaders of Domain Realty Group our team has closed over $2.5 billion in real estate across Southwest Florida. Spring Run is a market we work every week.

Recent Winding Stream market record (12 months to October 21, 2026): 11 closed resales in the Southwest Florida MLS, a $325,000 median (n = 11), a range of $205,000 to $450,500, $3,715,500 in total volume, a median of 94 days on market and a median sold-to-list ratio of 94.3%. Three condos were for sale on that date, at $309,900, $344,000 and $389,000. We publish no count of Winding Stream purchases we represented, because none is on file for this neighborhood.

For Winding Stream buyers: we start with your plan, budget and tolerance for fees, show every recent closing for the plans that fit, run the monthly cost, request the association documents and negotiate the terms. Marc Comisar at (239) 287-5873 starts with a call, not a form.

Honors and recognition:

  • Top 1% Real Estate Agents Nationally Since 2008
  • 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
  • #1 Team in Southwest Florida since 2012
  • McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
  • McGreevy and Comisar alone have over $900 million in Sales
  • Nationally Recognized Top Producing Realtors
  • Platinum Sales Production Award Winners

Those are career honors across Lee and Collier County. What we claim about Winding Stream is narrower and checkable: in the last 12 months we tracked every one of the 11 Winding Stream closings in the Southwest Florida MLS, and we tracked all 36 that the MLS has recorded here in the last 60 months.

How We Work With Buyers, and Who Actually Does It

You work with Marc and Jesse, not an assistant with a template. Marc runs tours, offers and negotiation. Jesse runs the data, the fee schedules and the closing paperwork. Reach Marc at (239) 287-5873 or Jesse at (239) 898-6072, and read more about the partnership on our about McGreevy and Comisar page.

Buying in Winding Stream? Call Marc at (239) 287-5873 or read how we represent buyers in Southwest Florida. Selling first? Get a free home valuation or Call Jesse direct at (239) 898-6072.

What Does It Take to Buy a Condo in Winding Stream?

Buying in Winding Stream takes four decisions: which of the four floor plans, which building (three of the twelve pay extra CDD debt service), whether the rules on leasing, pets and carports fit your plans, and whether the fee stack, led by a $9,159 annual club fee, works for your budget. Everything else is paperwork.

Decision One: Which Floor Plan

The county roll records four heated sizes across the 120 homes: 1,111, 1,178, 1,349 and 1,453 square feet, all with two bedrooms and two baths. The 1,453 plan has sold at $410,000 to $450,500 in the last 12 months and the 1,178 at $205,000 to $340,000. The plan is the biggest price driver in the neighborhood, so it is the first question.

Decision Two: Which Building

The neighborhood has 12 two-story buildings of ten homes each, five on the ground floor and five above, numbered 21 through 32. Buildings 30, 31 and 32 pay $556.84 a year of CDD debt service on top of the $1,017.25 every home pays. Ground floor or upper floor is a personal choice we cannot price from the record, and we look at it on the tour.

Decision Three: The Rules

Leases of 30 days or more are allowed with approval, no pets are allowed in leased units, each pet needs written board approval, carports are assigned and there is no garage. If your plan depends on shorter rentals, on a garage or on a pet the association bans, Winding Stream does not work, and we would rather tell you now.

Decision Four: Does the Fee Stack Work?

The club's annual fee is $9,159 for 2025 to 2026, the CDD is $1,017.25, and the neighborhood's own assessment is not published. The two published lines are about 3.1 percent of a $325,000 price every year, and a $12,000 club resale fee comes at purchase. We run all of it in the monthly cost table below.

What Is the Winding Stream Market Like for Buyers Right Now?

Winding Stream is a buyer-friendly market on price and a scarce one on choice: the median sold at 94.3% of list in 94 days, with a $24,400 median gap between final list and sold, but only three condos were for sale on October 21, 2026. Buyers have leverage on price and little on selection.

Data updated: October 2026 (12 months to October 21, 2026 unless a window is named)

The Four Windows From the MLS Record

WindowMLS closingsMedian soldMedian $ per MLS sq ftMedian days on marketMedian sold-to-list
12 months11$325,000$263.169494.3%
24 months16$322,500$251.5189.593.6%
36 months21$365,000$268.828593.0%
60 months36$380,000 (mean of the middle pair, $380,000 and $380,000)$288.9938.595.9%

Supply

On October 21, 2026 the MLS showed three Winding Stream actives at a median list price of $344,000, which is about 3.3 months of supply at the 12-month pace (our arithmetic). Three actives is a thin choice, so a buyer who wants a specific plan may wait, and we set up alerts for the plans that fit.

Where the Leverage Is

Ten of the 11 sales of the last 12 months closed below the final list price, by a median of $24,400, and six of the 11 took more than 90 days. In aggregate the 11 sold at 92.4% of their combined final list prices. A buyer of a condo that has sat has real room. The one outlier was a 1,453 plan condo that sold at its list price on day zero, so a well-priced condo of a wanted plan does not wait.

What Has Changed From a Year Ago

In the 12 months before October 21, 2025, five condos closed at a $290,000 median in 85 median days at 91.3% of list. In the latest 12 months, 11 closed at $325,000 in 94 days at 94.3%. There are more than twice as many sales, the median is about 12 percent higher, and buyers paid closer to list, though homes took longer to sell. Both are small samples. Against 2022, when eight of 12 sales closed at or above list in a median 9.5 days, buyers now negotiate.

What Have Winding Stream Condos Sold For in the Last 12 Months?

Eleven Winding Stream condos closed in the MLS in the 12 months to October 21, 2026, at $205,000 to $450,500, and every closing is listed below with the plan we matched from the county record. The plan explains most of the range: the four largest sales were all 1,349 or 1,453 plans.

Data updated: October 2026 (Southwest Florida MLS, pulled October 21, 2026; Lee County Property Appraiser recorded sales through July 29, 2026)

Every Closing, Last 12 Months

ClosedPlan (county heated sq ft)MLS beds and bathsMLS living areaList priceSold priceSold-to-listDays on market
Jul 20261,1782 and 21,511$379,000$340,00089.7%108
Jul 20261,1112 and 21,208$339,000$320,00094.4%115
May 20261,4532 plus den and 21,558$474,900$450,50094.9%18
May 20261,1112 and 21,209$349,900$325,00092.9%41
Apr 20261,4532 and 21,310$425,000$425,000100.0%0
Mar 20261,1782 and 21,178$285,000$265,00093.0%209
Feb 20261,1782 and 21,178$269,000$205,00076.2%141
Feb 20261,1112 and 21,111$270,000$260,00096.3%94
Jan 20261,4532 plus den and 21,558$435,000$410,00094.3%82
Dec 20251,3492 plus den and 21,458$434,900$415,00095.4%35
Nov 20251,3492 plus den and 21,458$359,900$300,00083.4%188

Price Bands, 60 Months

Of the 36 MLS closings in 60 months, six sold below $300,000, five from $300,000 to $349,999, ten from $350,000 to $399,999, eight from $400,000 to $449,999 and seven at $450,000 or more. A buyer with $350,000 has had a choice of plans in the record, and a buyer with $300,000 has been limited to the 1,111, the 1,178 and the smaller 1,349 sales.

The Price Path, Year by Year

YearMLS closingsMedian soldRangeMedian days on marketMedian sold-to-list
2021 (December)2$415,000 (mean of $380,000 and $450,000)$380,000 to $450,0001097.6%
202212$405,000 (mean of $400,000 and $410,000)$349,900 to $490,0009.5100.0%
20231$390,000 (one sale)$390,0004194.0%
20245$380,000$365,000 to $484,0004392.4%
20257$300,000$260,000 to $435,0008591.3%
2026 to October 219$325,000$205,000 to $450,5009494.3%

What Does a Winding Stream Condo Cost by Floor Plan?

A Winding Stream buyer pays about $265,000 to $320,000 for the 1,111 or 1,178 plan and $357,500 to $425,000 for the 1,349 or 1,453 plan, on the 12-month medians, with each plan's price and speed differing. The 60-month record shows the same order, and the 1,453 plan has not closed below $410,000 in the MLS.

Data updated: October 2026 (Southwest Florida MLS, pulled October 21, 2026; Lee County Property Appraiser 2026 roll)

The Four Plans and Their Prices

Plan (county heated sq ft)Homes12-month median (n)60-month median (n)60-month days on market60-month sold-to-list
1,11136$320,000 (3)$360,450 (14)38.595.8%
1,17836$265,000 (3)$365,000 (9)11592.4%
1,34924$357,500 (2)$415,000 (5)3596.5%
1,45324$425,000 (3)$450,250 (8)15.598.4%

Every cell is a small sample, and where the count is even the median is the mean of the middle pair. The MLS living-area field is inconsistent in Winding Stream, so we matched each closing to a county plan by price and date and took the size from the county's heated area.

The 1,111 Plan

The smallest plan is the smallest home in all of Spring Run, with 36 homes and three per building. It closed at $260,000 to $325,000 in the last 12 months, and $260,000 to $484,000 over 60 months. It is the plan for a buyer who wants the gate, the club and the lowest carrying cost, and the MLS's 1,208 and 1,209 square foot entries are the same plan.

The 1,178 Plan

The 1,178 plan has the widest discounts and the longest waits: a 115-day median over 60 months and 141 days over 12, with closings from $205,000 to $340,000 in the last 12 months. For a buyer that means leverage. For a buyer we also mean caution: ask why each one sat.

The 1,349 Plan

The 1,349 plan, 24 homes, has the smallest sample: two closings in 12 months at $300,000 and $415,000 and five in 60 months at a $415,000 median. The MLS calls it two-bedroom-plus-den. The county does not record dens, so we describe the den as an MLS description and not a county fact.

The 1,453 Plan

The largest plan, 24 homes, closed at $410,000 to $450,500 in the last 12 months and has never closed below $410,000 in the MLS, with a median of 15.5 days on market over 60 months. A buyer who wants it should be ready, with financing and the $12,000 club fee budgeted, because it sells faster than any other plan.

What the Larger Plans Cost per Foot

Our arithmetic on the county's heated area gives $265 to $293 per square foot for the larger plans on the 12-month medians, and $308 to $310 over 60 months. The per-square-foot figures are a cross-check, not a rule, and MLS and county square footage are never mixed.

What Is for Sale in Winding Stream Today?

On October 21, 2026 the Southwest Florida MLS showed three Winding Stream condos for sale: a two-bedroom, two-bath, 1,333 square foot condo at $389,000 with 35 days on the market, and two two-bedroom, two-bath, 1,209 square foot condos, at $344,000 with 222 days and at $309,900 with 223 days on the market. For the live list, call Marc at (239) 287-5873.

Data updated: October 2026 (Southwest Florida MLS, pulled October 21, 2026)

The Active Listings

StatusList priceBeds and bathsMLS living areaDays on market
Active$389,0002 and 21,33335
Active$344,0002 and 21,209222
Active$309,9002 and 21,209223

How to Read the Days-on-Market Column

The $344,000 listing has waited 222 days, and the same MLS size of condo closed in May 2026 at $325,000 and in July 2026 at $320,000, so a buyer has good reason to open below the ask. The $309,900 listing of the same size already asks less than both closings and has waited 223 days. The $389,000 listing, 35 days in, is at the top of the plans' ranges, and its MLS 1,333 square feet is a size that does not appear on the county roll, so we match it to a plan from the record before we advise.

Set Up Listing Alerts

Marc sets up alerts for the plans that fit and calls you when one appears, including condos that come to us before they are widely marketed. For live inventory, you can also browse listings on DomainRealtyGroup.com, our team's search site, and call Marc at (239) 287-5873 before you tour.

Ready to Buy in Winding Stream? Talk to the Team That Tracked All 36 Closings

Winding Stream has 120 condominiums, an association that needs 30 days' notice of a sale, and on October 21, 2026 exactly three condos for sale. In a neighborhood where 11 closed in 12 months at a $325,000 median, the buyer who knows the plan's closings and has the fee stack budgeted is the one who wins the condo that matters.

Buying in Winding Stream? Call Marc at (239) 287-5873, start with how we represent buyers, or read our Winding Stream valuation guide. Selling first to buy here? Get a free home valuation or Call Jesse direct at (239) 898-6072, and read our Winding Stream seller guide.

Winding Stream vs Spring Run at The Brooks: Which One Should You Buy In?

Choose Winding Stream for the lowest entry price into Spring Run's gate, golf and club, a neighborhood pool and 12 months of comparable sales; choose another Spring Run neighborhood for a garage, a private pool, three bedrooms or up to 2,452 square feet. The club fee, gate and golf are the same in both.

Data updated: October 2026 (Southwest Florida MLS, pulled October 21, 2026; Lee County Property Appraiser recorded sales through July 29, 2026)

The Decision Table

FactorWinding StreamSpring Run at The Brooks, whole community
Homes120847
RegimeChapter 718 condominium, one Recreation AssociationChapter 720 master association; five Chapter 718 condominium neighborhoods and five Chapter 720 villa neighborhoods
Built2001 to 20021998 to 2002
Heated area (county roll)1,111 to 1,4531,111 to 2,452
Bedrooms (county roll)2 on all 1202 or 3
ParkingAssigned carportGarages on all 227 fee-simple homes; condominium garages not on the roll
Private poolNone; neighborhood pool187 of 227 fee-simple homes; none of the 620 condominiums
Club annual fee, 2025 to 2026$9,159$9,159
CDD per year$1,017.25, plus $556.84 in buildings 30 to 32$1,017.25, with the same three-building exception
Minimum lease30 days; no pets in leased unitsSet by neighborhood
MLS closings, 12 months11, $325,000 median, 94 median days35, $393,000 median, 56 median days
Rest of Spring Run, 12 monthsnot applicable24 closings, $430,000 median, 40.5 median days
Median sold-to-list, 12 months94.3%95.0%
Active listings, Oct 21, 20263 ($309,900, $344,000 and $389,000)11, including those three
Months of supply (our arithmetic)3.33.8

How They Compare

Choose Winding Stream if entry price is the constraint, if two bedrooms and 1,111 to 1,453 square feet are enough, and if a condominium's shared maintenance suits you. Choose another Spring Run neighborhood if you want a garage, a private pool, three bedrooms or more than 1,453 square feet. If you are weighing both, the club and the gate are identical, and we can show you both on one morning.

The Other Garden Condominiums in Spring Run

Spring Run has two other garden condominium neighborhoods of the same era. Sunset Stream, with 118 homes, had six MLS closings in the same 12 months at a $358,750 median, and Streamside, with 80 homes, had four at $310,000, both small samples. Winding Stream's 11 closings are the only ones in Spring Run large enough to describe as a market, which is a benefit to a buyer because there are more comparable sales to check a price against.

Where Winding Stream Turns Over Faster

In 12 months, 11 of Winding Stream's 120 homes closed in the MLS, 9.2 percent, against 24 of the other 727 Spring Run homes, 3.3 percent. That means more choice over time for a patient buyer, and it is why the neighborhood's record is the deepest in Spring Run. The public record does not say why owners sold, so we do not guess.

How Does Winding Stream Compare With the Other Brooks Neighborhoods?

Winding Stream is the entry rung of The Brooks: 120 condominiums built in 2001 and 2002 at a $325,000 median on 11 MLS closings, below the blended median of every Brooks community. For a buyer who wants the bundled golf, it is the lowest-priced route in.

Data updated: October 2026 (Southwest Florida MLS, pulled October 21, 2026)

The Brooks on One Yardstick

Community or neighborhoodHomesRegimeBuiltMLS closings, 12 months
Shadow Wood at The Brooks1,477Chapter 720 master, condominium groups under Chapter 7181998 to 200570
Spring Run at The Brooks847Chapter 720 master, five neighborhoods under Chapter 7181998 to 200235
Lighthouse Bay at The Brooks654Chapter 718about 1999 to 2004 (unverified)32
Copperleaf at The Brooks570Chapter 720, carriage-home groups under Chapter 718homes completed 2002 to 200323
Winding Stream, inside Spring Run120Chapter 7182001 to 200211
Pebble Pointe90Chapter 7202015 to 20193

Winding Stream's 11 closings are part of Spring Run's 35 and are not additional.

Winding Stream and Lighthouse Bay

Lighthouse Bay is the other Brooks condominium community, a 654-home, non-golf, waterfront product under Chapter 718 with a mandatory Commons Club membership. Its 12-month median of $347,500 on 30 closings and 62.5 median days sits $22,500 above Winding Stream's $325,000 and 94 days. A Winding Stream buyer gets a bundled golf club; a Lighthouse Bay buyer gets water frontage and a Commons Club Bronze membership built into the fees.

Winding Stream and Shadow Wood's Condominium Groups

Shadow Wood's closest condominium group in price is Oak Hammock II, with 3 closings at a $410,000 median and 214 median days. Morningside sits at $495,000 on 6 closings and Cypress Hammock at $795,000 on 9. Shadow Wood's club is optional, so its condominium buyers do not pay a bundled club fee.

Winding Stream and Copperleaf

Copperleaf sells its carriage homes at Wisteria Pointe and Sago Pointe in the mid-$500,000s to mid-$600,000s and its single-family homes far above that, and it runs a member-owned equity golf club, which Spring Run does not.

What Does Florida Law Give a Winding Stream Buyer Before Contract?

A Winding Stream buyer is entitled, at the seller's expense, to the declaration, articles, bylaws and rules, the annual financial statement and budget, the governance form and the Frequently Asked Questions and Answers document under Section 718.503, with a 7-day voidability window, plus the Section 689.261 property tax summary and the Section 689.302 flood disclosure. The Section 720.401 homeowners summary does not apply to a Chapter 718 condominium.

The Condominium Buyer Under Section 718.503

The resale contract must contain a conspicuous clause stating either that you received the documents more than 7 days, excluding Saturdays, Sundays and legal holidays, before signing, or that the agreement is voidable by you within 7 such days after signing and receipt. The right cannot be waived and it ends at closing. Ask for the documents before you tour a second time, so the 7 days begin before you offer.

The Milestone and Reserve Study Statement

Every Winding Stream building is two stories, so the state's milestone inspection and structural integrity reserve study rules do not apply, and the contract must state that in conspicuous type for contracts signed after December 31, 2024. The neighborhood is still responsible for ordinary reserves, insurance and repairs, so read the budget and the reserve schedule and ask whether owners have waived reserves.

The Property Tax and Flood Disclosures

Section 689.261 requires a property tax disclosure summary, and Section 689.302 requires the seller to complete a flood disclosure at or before signing, stating whether the seller knows of flooding, filed a flood claim or received flood assistance. We hold no Winding Stream specific flood or damage record, so the seller's answers are the evidence.

If the Master Association Is a Chapter 720 Association

Spring Run's master association is a separate corporation whose documents describe a Chapter 720 structure over its neighborhoods. Where a Chapter 720 association issues its own estoppel, Section 720.30851 governs it. We have not read the recorded master declaration page by page, so we route that question to your closing agent or attorney, and this page is information and not legal advice.

How Do the Estoppel Certificates and Association Approval Work in Winding Stream?

A Winding Stream purchase needs the Recreation Association's estoppel, the club's estoppel, the neighborhood's application and at least 30 days' notice of the sale before closing, and a sale not approved by the association is void unless later approved in writing. Estoppels state what is owed, so they are your first look at any special assessment.

What the Estoppel Tells You

An estoppel states the dues, assessments and amounts owed on a unit. Florida caps a standard current-account condominium estoppel at $299 under Section 718.116, with $119 more for delivery within three business days and $179 more for a delinquent account, and the club lists its own $250 estoppel fee. In Lee County the seller customarily pays for the estoppel, and the contract controls.

Who Approves You

The neighborhood's 2018 rules require the seller's notice to reach the Recreation Association at least 30 days before closing and list a $100 application fee, and the club will not process a sale the neighborhood has not approved. Those figures come from a 2018 booklet, and the manager confirms the current ones. The club's 2025 to 2026 sheet names Sandcastle Community Management, (239) 596-7200, as the manager, and the 2018 booklet still prints the earlier company, so use the current one.

The Review Window

The 30-day floor means a Winding Stream contract cannot close in under a month unless the association has already been notified. A buyer who needs a faster close needs the seller to have given notice already, and we ask that before we offer.

What Should You Inspect Before Buying a Winding Stream Condo?

Inspect a Winding Stream condo for the systems that are now 24 to 25 years old: the roof (the association's record), the air-conditioning system on its shared pad, the water heater, the windows and doors, and any unpermitted work. The county's year built, 2001 or 2002, is its only condition proxy, and it is blunt.

The Roof and the Insurance Clock

Section 627.7011 limits an insurer's ability to refuse or nonrenew a policy solely because of roof age when the roof is under 15 years old, and Section 553.844 exempts roofs built or replaced to the 2007 Florida Building Code or later from the 25 percent rule. A roof in a Winding Stream building is the association's to maintain, and the permit date and any insurer's roof requirement are the documents to request.

Air Conditioning, Water Heater and Plumbing

Air-conditioning condensers sit on shared concrete pads, so replacing one means agreeing the placement with the other owners on the pad, and getting the neighborhood's approval and a Village of Estero permit. Ask for the age and permit of the system and the water heater.

Windows, Doors and Hurricane Protection

Replacement windows must be impact-resistant or installed together with shutters, and the Village requires a permit for windows, shutters, entry doors and air-conditioning changes. Roll-down shutters must be white, off-white, neutral beige or clear. A permit with a final inspection is evidence.

Permits and Unapproved Work

The association's rules require written approval for lanai enclosures, tile above the ground floor, hardware and windows, and require that approvals transfer to the new owner. We did not read a permit list for any Winding Stream building, so ask the seller for the approvals and search the permit history by address.

Floors, Carports and the Building

Tile or hardwood above the ground floor must sit on approved sound-insulating material, so an upper-floor buyer should ask for the approval on any floor that has been changed. Carports are for approved motor vehicles only and may not be enclosed. Ask which building the condo is in, because buildings 30, 31 and 32 carry extra CDD debt service.

How Do You Insure a Winding Stream Condo?

A Winding Stream buyer insures the condo with an HO-6 policy for interior finishes, contents, liability and loss assessment, while the association's master policy covers the building as originally installed. The Lee County average for condominium unit owners was $1,494 a year including wind in the Office of Insurance Regulation's July 2026 report.

The Master Policy and Your HO-6

Section 718.111 requires the association to insure the building as originally installed and excludes floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, built-in cabinets, countertops and window treatments, which are the owner's to insure. The association's deductible is a common expense, so an owner can be assessed after a storm. Section 627.714 sets a statutory minimum of only $2,000 of loss assessment coverage, so ask your agent for a higher limit and ask the manager for the master policy's hurricane deductible.

Flood Insurance

The FEMA map returned Zone X, minimal flood hazard, at four points we geocoded along the Spring Run Boulevard frontage, on the panel effective November 17, 2022. Spring Run as a whole is a mix of Zone AH and Zone X, so the zone is a per-address fact. A lender does not require flood insurance in Zone X and does in Zone AH, any owner can buy it, and the master policy does not cover your contents.

The Community Rating System Discount

The Village of Estero holds a Community Rating System Class 6, which gives owners inside a special flood hazard area a 20 percent discount on flood premiums and owners outside one a 10 percent discount, on the program's terms.

Wind, Storm and Citizens

Citizens Property Insurance has shrunk about 80 percent statewide from its September 2023 peak, to 278,246 policies at June 30, 2026, per its own published figures, and its rates fell on average in 2026. Whether a buyer needs it depends on the private market's offers for that unit, so get a quote before the inspection period ends.

Ian, Milton and What They Mean for a Buyer

Hurricane Ian was a wind, tree and screen-enclosure event at The Brooks, not a surge event, and the Village's update to FEMA recorded wind damage to roof shingles in The Brooks from Hurricane Milton, not flooding. Spring Run is in Lee County Evacuation Zone B, which was ordered to evacuate for both storms. We hold no Winding Stream specific damage record and do not say the neighborhood was undamaged.

Buying in Winding Stream? Call Marc at (239) 287-5873 or read how we represent buyers. Selling first? Get a free home valuation or Call Jesse direct at (239) 898-6072.

What Will You Pay Each Month to Own a Winding Stream Condo?

A Winding Stream condo bought at the $325,000 median with 20 percent down, at Freddie Mac's 7.24 percent 30-year average, costs about $3,052 a month on the lines we can source: $1,772 of principal and interest, $763 of club fee, $85 of CDD, $307 of homesteaded property tax and $125 of insurance. The neighborhood's own assessment is not in that figure because it is not published.

Data updated: October 2026 (Freddie Mac survey as of October 29, 2026; club fee sheet 2025 to 2026; Brooks CDD proposed budget for fiscal 2027; Lee County Property Appraiser 2026 millage book, October 9, 2026)

The Monthly Cost at the Median

Monthly lineAmountSource
Principal and interest, $260,000 loan, 30 years, 7.24%$1,771.90our arithmetic on the Freddie Mac average
Spring Run Golf Club annual fee ($9,159 a year)$763.25club 2025 to 2026 sheet
Brooks CDD operations ($1,017.25 a year)$84.77district budget
Property tax if homesteaded (about $3,688 a year)$307.33our arithmetic, 2026 millage 12.9712
Insurance, Lee County average incl. wind ($1,494 a year)$124.50Office of Insurance Regulation, July 2026
Total on the lines aboveabout $3,052about $36,621 a year

A non-homesteaded owner pays about $351 a month in tax instead of $307, for a total near $3,096. The table leaves out the Recreation Association's assessment (not published, from the manager), private mortgage insurance if you put down less than 20 percent, flood insurance if your lender requires it, and any special assessment. Real cost is higher.

How the Rate Moves It

Freddie Mac's Primary Mortgage Market Survey reported a 30-year fixed average of 7.24 percent as of October 29, 2026, down from 7.32 percent a week earlier and up from 6.17 percent a year earlier. It is a national average for owner-occupied purchase loans, a condominium loan can price differently, and a lender's quote controls. On a $260,000 loan the principal and interest is $1,599 at 6.24 percent, $1,772 at 7.24 percent and $1,951 at 8.24 percent, so each point is about $170 to $180 a month.

How the Down Payment Moves It

At 30 percent down, the loan on a $325,000 condo is $227,500 and the principal and interest is $1,550 at 7.24 percent. At 20 percent down it is $1,772. The difference is $222 a month, or $2,664 a year, which is the reason cash and large down payments are common in the neighborhood's price range. This is arithmetic, not advice, and a lender can tell you what you qualify for.

The Fees That Come With the Address

The club fee at $763 a month is the largest single line after the mortgage, and it is due whether or not you golf, because membership comes with the deed and the club is non-equity. At the $325,000 median the two published recurring lines (club and CDD) equal about 3.1 percent of the price each year, so the fee stack is part of what the price buys.

CDD Debt in Some Buildings

Buildings 30, 31 and 32 pay $556.84 a year of CDD debt service, or about $46 a month, on top of the operations assessment, with $1,987.28 of principal outstanding after the 2026 to 2027 payment. Ask for the building number before you compare two condos.

The Tax Reset

In Florida nobody inherits the seller's tax cap: the assessment resets to market value on January 1 after a sale. At the 2026 millage of 12.9712 (13.0214 in 2025) and the 2026 homestead exemptions, a $325,000 assessed value produces about $3,688 a year if homesteaded and $4,216 if not, before the CDD line. Section 689.261 requires the seller to deliver a disclosure that says so.

What Are Buyer Closing Costs in Winding Stream?

A Winding Stream buyer's closing costs on a $325,000 purchase with a $260,000 loan include about $910 of documentary stamp tax on the note, $520 of intangible tax on the mortgage, deed recording of roughly $18.50 to $35.50, the lender's title policy and lender fees, the $12,000 club resale fee if the contract puts it on the buyer, and prepaids. In Lee County the seller customarily pays for the deed stamps, the owner's title policy and the estoppel.

The Lee County Custom

In Lee County the seller customarily pays documentary stamps on the deed ($0.70 per $100, or $2,275 at $325,000), the owner's title policy (about $1,700 at that price) and the estoppel certificates, and selects the closing agent. The buyer customarily pays for the lender's title policy, records the deed and pays the costs of the mortgage. Custom is not law, and the contract controls.

Taxes on the Mortgage

A new mortgage carries documentary stamp tax of $0.35 per $100 on the note, with no cap on a recorded mortgage, and nonrecurring intangible tax of $0.002 per $1 of the mortgage. On a $260,000 loan that is $910 and $520. These apply only if you borrow.

Recording, Title and Other Lines

The clerk's recording fee is set by statute at $10 for the first page and $8.50 for each additional page, so a typical deed records for roughly $18.50 to $35.50. Settlement or closing fees are not promulgated and commonly run $500 to $1,500. The lender's title policy, appraisal, inspection and any survey are additional and vary by provider.

The Club's Charges at Purchase

The club's 2025 to 2026 sheet lists a $12,000 resale fee for an outside buyer, $3,500 for an existing Spring Run member relocating within the community, and a $250 estoppel fee. The $12,000 is 3.7 percent of the $325,000 median. Who writes that check is a contract term, not an association rule, so settle it in the offer. The neighborhood also charged a $100 application fee in its 2018 rules, and the manager confirms the current amount.

Prorations and Prepaids

Dues are prorated to closing, and Florida property taxes, paid in arrears, are credited to the buyer for the seller's days of ownership. A lender will also collect prepaid insurance and tax escrow. Your closing agent prepares the figures, and we review them with you before closing.

What Do the Club Fee and the $12,000 Resale Fee Mean for a Winding Stream Buyer?

Every Winding Stream owner is automatically a member of Spring Run Golf Club, paying $9,159 a year for 2025 to 2026, which includes capital, reserves and a $725 prepaid food minimum, and a buyer from outside pays a $12,000 resale fee that the treasurer's report says goes into the replacement reserve. Members pay no green fee and $30 per 18 holes for a cart.

What the Annual Fee Covers

The club's 2025 to 2026 membership sheet describes a private club on roughly 200 acres, with an 18-hole course, a remodeled clubhouse of about 26,000 square feet, four Har-Tru tennis courts, three lighted Har-Tru bocce courts, a fitness center, a practice range and a resort pool. The fee is identical for all 847 Spring Run owners. It is down from $9,308 in 2024 to 2025, and the treasurer's report shows $8,444 for 2023 to 2024 and $7,690 for 2022 to 2023.

Non-Equity Means No Equity to Redeem

The club calls itself non-equity, so owners hold a license to use the facilities, and there is no membership to buy back when you sell. That is why the resale fee is a cost of entry and not an investment, and why a buyer should compare it with the price, not with a refundable deposit.

What Is Not Included

Golf is bundled but not free: carts are $30 per 18 holes and $20 for nine, and private golf carts are prohibited. The Commons Club at The Brooks, with pickleball courts, a larger fitness center and a beach club, is a separate, optional, member-owned club, and joining it is an extra cost we do not quote because no current price schedule is published.

The Club Fee Against a Benchmark

The club's own 2025 budget report cites a benchmark of $10,200 for the average full membership at Southwest Florida bundled-golf communities in calendar 2023, so $9,159 sits below it. That helps a buyer who golfs. A buyer who never will still pays the fee.

How Does Buyer Representation Work After the NAR Settlement?

Since the National Association of REALTORS settlement took effect on August 17, 2024, a Winding Stream buyer signs a written agreement with the buyer's agent before touring, the agreement states the agent's compensation, and that compensation is fully negotiable and not set by law. Offers of buyer-broker compensation can no longer be advertised in the MLS.

What the Written Agreement Says

The agreement must state a specific, conspicuous amount or rate of the buyer agent's compensation and must state that broker compensation is negotiable. We explain it before your first tour, in plain terms, and we show what the compensation means in dollars on the condos you are considering.

Who Pays the Agent

A seller may still offer to pay or contribute toward a buyer's agent's compensation, off the MLS, and a seller may still offer closing-cost concessions on the MLS. Whether a seller does, and how much, is part of the negotiation. If a seller offers nothing, the buyer is responsible under the agreement. We tell you which case you are in before you offer.

What We Do for the Fee

The Top 1% Real Estate Agents Nationally Since 2008 designation is earned on the volume and results of the whole team, and for a buyer it means we do the documents work described below on every purchase. We show you every recent closing, request the association documents, run the monthly cost, check permits and approvals, and negotiate price and terms, including who pays the $12,000 and how long the closing runs. Our terms are written down before we tour.

Can You Finance a Winding Stream Condo?

Yes, a Winding Stream condo can be financed with a conventional loan, and possibly with FHA or VA financing if the project is approved, but the lender reviews the condominium project as well as the buyer. We did not find Winding Stream's FHA or VA project status in the public records we read, so we ask your lender to check it before you offer.

Conventional Loans

Lenders review a condominium project's budget, reserves, delinquencies and owner-occupancy in addition to the buyer's file, so we request the association's financial statement and budget early and hand them to your lender. The Winding Stream Recreation Association's financials come from Sandcastle Community Management.

FHA and VA

HUD publishes a searchable list of FHA-approved condominium projects, and a lender can also check a project for VA financing. We do not know Winding Stream's status from the public record, and a project that is not approved rules the program out for that condo. Ask your lender to run it, and search the HUD list yourself.

First-Time and Down Payment Programs

Florida and federal programs exist for first-time buyers, and their eligibility depends on income, credit, location and the property. We do not quote program terms because they change, and a lender can tell you what you qualify for. We help you compare a program's requirements against a condo's.

Cash Buyers

Cash buyers still owe the 30-day notice, the estoppels and the $12,000 club fee, and they gain leverage on timing. With no lender, the condominium project review does not apply, and the closing can run as fast as the association's notice allows.

Before You Borrow

Get a pre-approval that names condominium purchases, budget for the fee stack and not just the mortgage, and ask your lender how the club fee and the CDD count in your debt-to-income ratio. We are not lenders or financial advisors, and this is general information.

How Do We Find You the Right Condo in Winding Stream?

We find you the right Winding Stream condo by starting with your plan, budget and rules, matching them to the four floor plans, watching the two live listings and the ones that come to us before they are widely marketed, and touring with the recent closings in hand. Winding Stream is small, so every listing matters.

Start With Your Plans

We ask how you will use the condo: seasonal, primary, or rental, whether you golf, whether you have a pet, whether you need a garage, and how you will pay. The answers narrow the field before the first tour, and they tell us whether a different Spring Run neighborhood fits better.

Tour With the Record in Hand

On a tour we bring the plan's recent closings, the building number, the association's paperwork status and the fee stack. We look at floor level, orientation, the walk to the pool, the carport and the condition of the systems, and we ask for the approvals on any floor, window or lanai work.

Watch for the Long Listings

A condo that has waited more than 200 days, like the $344,000 and $309,900 listings, is an opportunity if the reason is price, and a warning if the reason is condition or paperwork. We find out which before we offer.

Gated Access and Showings

Spring Run is gated, and showings run through its gate procedure. Whether a non-resident agent can use a lockbox is not addressed in any public document, so we call the gatehouse and the manager before every showing, and we handle it for you.

How Do We Negotiate for You in Winding Stream?

We negotiate for a Winding Stream buyer on price and on terms: the price against the plan's closings, who pays the $12,000 club fee, the closing date against the 30-day notice, repair credits and the inspection window. Ten of 11 recent sales closed below list, so there is usually room.

Pricing the Offer

We price your offer from the closings for the plan, the live competition and the fee stack, and we tell you where the seller's pressure is: days on market, price history and whether the listing is above the closings. The median gap between final list and sold was $24,400 in the last 12 months.

Using the Review Windows

The 7-day window under Section 718.503 and the inspection period are leverage, not obstacles. We use them to read the documents, get insurance quotes and check permits before your money is at risk.

Credits Versus Price Cuts

A credit can be worth more than a price cut when the issue is a one-time repair, and a price cut can be worth more when the issue affects the appraisal. We show both in dollars, including the effect on your loan and your monthly cost.

The Club Fee, the Deposit and the Closing Date

Who pays the $12,000 is a contract term, so we settle it in the offer. We set the closing date after the association's 30-day notice, and we keep the deposit terms conservative.

Which Winding Stream Rules Decide Whether a Condo Works for You?

Five Winding Stream rules decide whether a condo works for a buyer: leases of at least 30 days with approval, no pets in leased units and written approval for every pet, assigned carports with no garage, uniform exterior standards, and a ban on for-sale and rental signs. A buyer who has read them before offering avoids the surprises that end deals.

Leasing

The 2018 rules allow leases of 30 days or more, with 20 days' notice, a $100 fee per lease (waived for an identical renewal) and registration with both the Recreation Association and the Spring Run club before the tenant arrives. Leases not approved are void. Delegating the owner's club privileges to a tenant costs $585.75 as billed, and the club requires each lessee to become a member. No stay shorter than 30 days is allowed.

Pets

Each pet needs prior written board approval, pit bulls and breeds the association deems dangerous are banned, no pets are allowed in leased units, guests may not keep pets, and pets may never enter the pool gates. Assistance animals for a person with a disability are handled under federal fair housing rules.

Carports, Storage and Exterior

Each home has an assigned carport for approved motor vehicles only, and carports may not be enclosed or used for storage. Roll-down shutters, window treatments and front-door hardware follow set standards, only one small security sign is allowed, and exterior painting is the association's job on a cycle.

Rental Income

Our June 2026 pull of Brooks rentals recorded one Winding Stream annual lease at $2,200 a month. One data point is not a rent history, so we publish no yield. A buyer who plans to rent should price the club fee, the neighborhood fee, tax and insurance against the rent before offering.

Is Winding Stream the Right Place for You to Buy?

Winding Stream is the right place for a buyer who wants the lowest entry price into Spring Run's gate, golf and club, a two-bedroom condominium with a neighborhood pool, and the deepest comparable-sale record in the community. It is the wrong place for a buyer who needs a garage, a private pool, a pet the association bans, or stays shorter than 30 days.

What Winding Stream Does Well

It offers a $325,000 median against $430,000 for the rest of Spring Run, its own pool and grills, two-story buildings outside the state's milestone and reserve-study rules, 11 closings in 12 months for a reliable price signal, and no age restriction. Two larger plans have sold in weeks, not months.

What to Weigh Honestly

A $12,000 club resale fee, an annual club fee of $9,159 whether or not you golf, an unpublished neighborhood fee, slow sales of the 1,178 plan, buildings 30 to 32 paying extra CDD debt service, carports and no garage, no pets in leased units, and a rulebook whose public copy dates from 2018. The buildings are 24 to 25 years old, so ask for roof and system permits.

Who Tells You the Truth About It

A buyer's agent who has read the rules, requested the estoppel and run the monthly cost will tell you the neighborhood's limits before you offer. As Top 1% Real Estate Agents Nationally Since 2008, we would rather lose a sale than sell you a condo that does not fit, and the review of your plans in the consultation is free.

What Do County Recorded Sales Add to the Buyer's Picture?

County recorded sales add depth and a check: 12 qualified sales since September 29, 2025 at a $322,500 median, one more than the 11 the MLS marketed, so one recorded sale did not go through the MLS. For a buyer, that means the MLS is close to the whole market but not all of it.

Data updated: September 2026 (Lee County Property Appraiser recorded sales through July 29, 2026)

The County Figure, With Its Denominator

The county's qualified sales are deed prices flagged as arm's-length. The file holds 173 in all years, back to 2001, and the county roll counts 120 residential parcels in Winding Stream. The county file ends July 29, 2026.

What It Means for You

For a buyer, the county's numbers confirm the MLS's direction: a 2022 median of $400,000 across 13 sales and a 2026 median of $322,500 across 10 to July 29. A price you are asked to pay should sit near the recent closings for the plan, and a seller anchored to 2022 is asking for a market that has passed.

Which Location Facts Matter to a Winding Stream Buyer?

Winding Stream sits inside Spring Run's manned gate, off Spring Run Boulevard east of US 41 near Coconut Point, with shopping, the Lee Health emergency department, I-75 at Corkscrew Road and the Gulf beaches within a short drive. The address is in the Village of Estero, Lee County, although its ZIP 34135 carries a Bonita Springs mailing address.

Drive Times From the Gate Area

DestinationApproximate drive
Coconut Point shopping and dininga few minutes
Lee Health Coconut Point emergency departmenta few minutes
Miromar Outlets and Gulf Coast Town Centerabout 10 to 15 minutes
Florida Gulf Coast Universityabout 15 to 19 minutes
Southwest Florida International Airportabout 15 to 20 minutes
Gulf beachesabout 15 to 25 minutes

The Gate and Services

The gatehouse is staffed from 6:30 a.m. to midnight every day, per the club's 2025 to 2026 sheet. Blue Stream Fiber is the community's television and internet provider, and Estero Fire Rescue serves the neighborhood.

Schools

Winding Stream sits in Lee County School District's Elementary Proximity Zone Q, Middle Zone GG and South High School Sub-zone 3, but Lee County assigns by choice and lottery, so buying a condo does not guarantee a seat. Confirm current options at the district's school-zone tool.

The I-75 Question

The Florida Department of Transportation is widening I-75 to 10 lanes between Immokalee Road and Corkscrew Road. The Village asked the state in November 2025 for a continuous 22-foot noise wall along the east side of The Brooks, and no revised wall design had been published as of April 2026. We make no claim about the project's effect on a Winding Stream condo's price.

What Do Buyers Say About Working With McGreevy and Comisar?

McGreevy and Comisar is a top-reviewed Winding Stream realtor, and the quotes below are genuine five-star Google reviews from buyers, reproduced in each reviewer's own words. We publish no aggregate score and no rating widget. Read the full set on the Google profile.

A Buyer Who Valued Being Heard

★★★★★ "Marc is one of the most down to earth realtors that really listens to your needs and is exceptional at finding the right house." Verified Google review

A condo that fits starts with a conversation about how you will use it, and that is where we begin.

A Buyer Who Trusted Our Market Knowledge

★★★★★ "Marc's knowledge of the Southwest Florida real estate market is unmatched. He took the time to understand exactly what I was looking for in a home and quickly identified properties that checked all my boxes." Verified Google review

A Buyer Who Was Kept Informed

★★★★★ "Marc is extremely knowledgeable, professional and a true pleasure to work with. He kept us informed throughout the process and went over and beyond our expectations to ensure an extremely smooth process." Verified Google review

How Do You Get Your Personalized Winding Stream Buyer Consultation?

Winding Stream buyers get a personalized consultation by calling Marc Comisar at (239) 287-5873 or requesting one through our buying page. It is a working session on your budget, your plans and your tolerance for fees, ending in the plans and buildings worth touring, with the closed sales, fee stack and monthly cost for each. There is no cost and no obligation.

Data updated: October 2026

What the Consultation Includes

You receive the plans that fit your plans, the closed sales and live listings for each, the fee stack and monthly cost at your price, the flood and insurance questions to ask, the documents to request and a written buyer-representation agreement that we explain in plain terms before any tour.

Marc Comisar

Marc leads buying. He pulls the closed sales for your floor plan, reads the association documents, runs the monthly cost and negotiates the terms, and his clients describe him as someone who listens and keeps them informed. Call him at (239) 287-5873.

Jesse McGreevy

Jesse leads selling and has worked Southwest Florida real estate since 2004. If you own a home to sell first, he prepares the valuation and the net sheet so your purchase and your sale line up. Call him at (239) 898-6072.

What to Bring

Bring your budget and your lender's pre-approval if you have one, your must-haves (garage, pets, rentals, golf), your timeline and any condos you have already seen. If you are selling a home first, bring that too, and Jesse will value it.

Start Today

Call Marc at (239) 287-5873, read how we represent buyers in Southwest Florida, or read our Winding Stream seller guide if you are selling a condo here. For a number on a condo you own, use our Winding Stream valuation guide.

Buying in Winding Stream? Call Marc at (239) 287-5873 or read how we represent buyers. Selling first? Get a free home valuation or Call Jesse direct at (239) 898-6072.

Thinking of Selling Your Winding Stream Home? List With the #1 Team in Southwest Florida Since 2012

If you're searching for a Winding Stream listing agent, or thinking, "I need someone to sell my Winding Stream condo before I buy," you are selling into Spring Run's entry-price neighborhood, where the plan, the ask against the recent closings and the association paperwork decide the result. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008.

What Is Your Winding Stream Home Worth? Get a Free Valuation in 60 Seconds.

Start with a free Winding Stream home valuation. Jesse follows up with the closings that fit your plan. (239) 898-6072, text or call. Confidential conversations welcome. Read our Winding Stream seller guide for the 30-day notice and the costs.

Should I sell before I buy?

Often it is safer, because you know your proceeds before you offer, but some buyers buy first. We compare both in dollars, including the carrying cost of two homes.

How long does a Winding Stream sale take?

The 12-month median is 94 days on the market, and closing runs no earlier than 30 days after notice to the Recreation Association.

Will I net more than the list price suggests?

Not more, less. At a $325,000 sale price we estimate about $302,000 to $310,000 before property tax proration and payoff, depending on whether you contribute toward the buyer's agent.

Can I get a valuation without listing?

Yes. The valuation is free, with no obligation.

Who represents me on both sides?

One team, two people: Marc leads buying and Jesse leads selling, so the closing dates and the money line up. Each side has its own written agreement.

Frequently Asked Questions, Buyer Edition: Buying a Condo in Winding Stream

These are the questions buyers ask most about Winding Stream condos, fees and living in Spring Run at The Brooks in Estero, answered from the records cited on this page. Each answer names Winding Stream. Where a record is not public, the answer says so.

What is Winding Stream?

Winding Stream is a neighborhood of 120 two-bedroom, two-bath garden condominiums inside Spring Run at The Brooks, a gated bundled-golf community in the Village of Estero. It was built in 2001 and 2002 and has its own Recreation Association, pool and manager.

How much does a condo in Winding Stream cost?

In the 12 months to October 21, 2026, 11 MLS closings ran from $205,000 to $450,500 at a $325,000 median. By plan, the medians were $320,000 for the 1,111, $265,000 for the 1,178, $357,500 for the 1,349 and $425,000 for the 1,453, all small samples.

What Winding Stream condos are for sale right now?

On October 21, 2026 the MLS showed three Winding Stream actives: $389,000 for a 1,333 square foot condo after 35 days, $344,000 for a 1,209 square foot condo after 222 days and $309,900 for another 1,209 square foot condo after 223 days. Call Marc at (239) 287-5873 for the live list.

What is the monthly cost of a Winding Stream condo?

At $325,000 with 20 percent down at 7.24 percent, about $3,052 a month on the sourced lines: $1,772 of principal and interest, $763 of club fee, $85 of CDD, $307 of tax if homesteaded and $125 of insurance. The neighborhood's own fee is extra.

What are the HOA fees at Winding Stream?

Two published lines and one unpublished one: Spring Run Golf Club's $9,159 annual fee for 2025 to 2026, the Brooks CDD's $1,017.25 operations assessment, and the Recreation Association's own fee, which Sandcastle Community Management states on request.

What does the club fee cover at Winding Stream?

Golf without a green fee, tennis, bocce, the fitness center, the clubhouse and the resort pool, plus capital, reserves and a $725 prepaid food minimum. It does not cover the $30 cart fee per 18 holes or the neighborhood's own assessment.

What do I pay at closing when I buy at Winding Stream?

The club's $12,000 resale fee for an outside buyer if the contract puts it on you, its $250 estoppel, the neighborhood's application and estoppel charges, mortgage taxes of about $910 and $520 on a $260,000 loan, and your lender and title costs. In Lee County the seller customarily pays deed stamps, the owner's title policy and the estoppel.

Do I have to join the golf club to buy in Winding Stream?

Membership is automatic with ownership. Every Spring Run owner belongs to the club, which is non-equity, so there is no equity to buy or redeem and no separate initiation fee, only the annual fee and the resale fee.

Does Winding Stream have a CDD or special assessments?

Yes, a CDD line of $1,017.25 a year, and buildings 30, 31 and 32 also pay $556.84 of debt service. We found no public record of a special assessment; the estoppel and the association's minutes are where one would show.

What are property taxes on a Winding Stream condo?

They depend on the Lee County assessment, exemptions and millage. At the 2026 millage of 12.9712 and 2026 exemptions, a $325,000 assessed value produces about $3,688 if homesteaded and $4,216 if not, before the CDD line.

Is Winding Stream in Estero or Bonita Springs?

Winding Stream is in the Village of Estero, Lee County, although its ZIP 34135 carries a Bonita Springs mailing address. The county's tax roll places Spring Run in the taxing district for the Village of Estero and Estero Fire Rescue.

How many condos are in Winding Stream?

The Lee County 2026 roll, the association's rules and the club's neighborhood table each count 120, in three sections of 40. The state's condominium register lists 200 across the three projects, and we cannot reconcile that figure, so ask the manager to confirm 120.

What size are the condos in Winding Stream?

The county records four heated sizes: 1,111, 1,178, 1,349 and 1,453 square feet, with 36, 36, 24 and 24 homes. The MLS living-area field varies for the same plan, so confirm the plan from the county record.

How many bedrooms do Winding Stream condos have?

Two bedrooms and two baths on all 120 homes, per the county roll. The MLS describes the larger plans as two-bedroom-plus-den in most sales, but the county does not record dens.

Is there a garage or assigned parking at Winding Stream?

Each home has an assigned carport space, and the county roll shows no garage for any of the 120 condominiums. The rules limit carports to approved motor vehicles.

Does Winding Stream allow pets?

With written board approval for each pet. Pit bulls and any breed the association deems dangerous are banned, guests may not keep pets, no pets are allowed in leased units, and pets may not enter the pool gates.

Can I rent out a Winding Stream condo?

Yes, with approval: a 30-day minimum lease, 20 days' notice, a $100 fee per lease, registration with the neighborhood and the club, and no pets in leased units. Leases not approved are void.

Are short-term or vacation rentals allowed at Winding Stream?

No stay under 30 days is allowed by the neighborhood's rules. The restriction is the association's, and we found no Village of Estero rule that adds to it.

Is Winding Stream a 55+ community?

No. Spring Run is all-ages, and Winding Stream's rules contain no age restriction.

What is the 7-day right to cancel for a condominium resale?

Under Section 718.503, a resale contract must state either that you received the association documents more than 7 days, excluding Saturdays, Sundays and legal holidays, before signing, or that you may cancel within 7 such days after signing and receipt. The right cannot be waived and ends at closing.

Do I need a milestone inspection or SIRS for Winding Stream?

No. Every building is two stories, and the milestone and structural reserve study rules apply only to buildings three habitable stories or taller. The contract must say so in conspicuous type, and ordinary reserves and insurance still apply.

What is an estoppel certificate and who pays for it?

It states the dues, assessments and amounts owed on a unit. Florida caps a standard current-account condominium estoppel at $299, the club lists a $250 estoppel fee, and in Lee County the seller customarily pays.

Who pays the club's $12,000 resale fee?

It is a contract term, not an association rule. The club's sheet lists it for an outside buyer; the recorded declaration and your contract decide who pays, so settle it in the offer.

What flood zone is Winding Stream in?

At four points we geocoded along the Spring Run Boulevard frontage, FEMA maps Zone X, minimal flood hazard, on the panel effective November 17, 2022. Spring Run as a whole is a Zone AH and Zone X mix, so check the exact address.

Do I need flood insurance for a Winding Stream condo?

A lender does not require it in Zone X and does in Zone AH. Any owner can buy it, and the master policy does not cover your contents or loss assessment, so ask your agent for a quote on the specific unit.

Did Winding Stream flood in Hurricane Ian?

We hold no Winding Stream specific flood or damage record and do not say the neighborhood was undamaged. Ian was mainly a wind and tree event at The Brooks, and permits show what was repaired.

What evacuation zone is Winding Stream in?

Spring Run is in Lee County Evacuation Zone B, which was ordered to evacuate for both Hurricane Ian in 2022 and Hurricane Milton in 2024. Confirm the address at the county's Lee Prepares tool.

Can I buy a Winding Stream condo with a mortgage?

Yes, but the lender reviews the condominium project. We did not find Winding Stream's FHA or VA project status in the public record, so ask your lender to check it.

Do I need a written agreement with a buyer's agent?

Yes. Since August 17, 2024, a buyer's agent must have a written agreement with you before touring, stating the compensation, which is negotiable.

Can the seller pay my agent?

A seller may offer to contribute toward a buyer's agent's compensation, off the MLS, and may offer closing-cost concessions on the MLS. It is a negotiating point, and we tell you the case before you offer.

Will my property tax reset when I buy?

Yes. In Florida the assessment resets to market value on January 1 after a sale, so your bill can differ from the seller's, and Section 689.261 requires the disclosure to say so.

What should I ask before making an offer at Winding Stream?

Ask for the neighborhood estoppel, declaration, rules, budget and reserve schedule, the building number for the CDD debt line, the roof permit date, any architectural approvals, the lease and pet rules, and the club's resale fee terms. Marc runs that list on every buyer's behalf.

Is Winding Stream a buyer's market or a seller's market?

Buyers have leverage on price: the median sale closed at 94.3% of final list in 94 days. Choice is limited, with three condos for sale on October 21, 2026.

Can I negotiate the price in Winding Stream?

Yes. Ten of the last 11 sales closed below the final list price, by a median of $24,400. The plan and the days on market tell us how much room a listing has.

What are the drawbacks of Winding Stream?

A $12,000 club resale fee, a $9,159 annual club fee whether or not you golf, an unpublished neighborhood fee, carports and no garage, no pets in leased units, buildings 30 to 32 paying extra CDD debt service and 24- to 25-year-old systems unless replaced.

How does Winding Stream compare with the rest of Spring Run?

It is cheaper, with a $325,000 median against $430,000 for the other 24 closings, and it turns over faster. It has no garages or private pools, and it has its own pool and association. See the decision table above and the Spring Run at The Brooks guide.

Who is the best realtor to help me buy a Winding Stream condo?

McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008 and lead the #1 team in Southwest Florida since 2012. We pull the closings, association records and fee schedules before you offer. Call Marc at (239) 287-5873.

How do I tour condos for sale in Winding Stream?

Call Marc at (239) 287-5873. Spring Run is gated, and showings run through its gate procedure, which we handle. We tour Winding Stream beside Sunset Stream and Streamside on one morning if you like.

Who manages the Winding Stream association?

Sandcastle Community Management in Naples, per the club's 2025 to 2026 sheet and the state record for the Recreation Association. Older documents name Advanced Property Management, so use the current one.

Frequently Asked Questions: Selling One Home to Buy in Winding Stream

These are the questions buyers ask when they must sell a home to buy a Winding Stream condo, answered briefly with links to our seller pages. Each answer names Winding Stream. For a number on the home you own, call Jesse direct at (239) 898-6072.

Do I have to sell my home before I buy in Winding Stream?

Not always. Selling first tells you your proceeds before you offer, and buying first can be safer for a seasonal owner. We compare both in dollars, and the 30-day notice on a Winding Stream purchase affects the timing.

Can I keep my Save Our Homes savings when I move?

Florida allows portability of the homestead assessment difference to a new homestead under the rules of the Department of Revenue, within limits and deadlines. Ask your tax adviser, and see the Department of Revenue's guidance.

Who values my current home?

Jesse McGreevy prepares the valuation, free and without obligation. Start with our free home valuation or call (239) 898-6072.

Can I sell and buy inside Spring Run?

Yes. The club sheet lists a $3,500 resale fee for an existing Spring Run member relocating within the community, against $12,000 for an outside buyer. Read our Winding Stream seller guide.

Where can I read what a Winding Stream condo is worth?

Our Winding Stream valuation guide shows the closings by plan and how we value each.

Your Local Real Estate Experts

Jesse McGreevy and Marc Comisar are the local real estate experts for Winding Stream buyers in Spring Run at The Brooks, leading a Domain Realty Group team from an office in Bonita Springs, a short drive from the Coconut Road gates. Since Jesse started in Southwest Florida real estate in 2004, we have represented buyers and sellers across Estero's gated communities.

McGreevy and Comisar is a top-reviewed Winding Stream realtor on Google. Read more about McGreevy and Comisar, and the neighborhood record behind this page in our Winding Stream neighborhood guide.

Our team has closed more than 4,000 transactions across Southwest Florida. Since Jesse started in Southwest Florida real estate in 2004, we have represented buyers and sellers across Estero's gated communities.

Our credentials, stated once more:

  • Top 1% Real Estate Agents Nationally Since 2008
  • 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
  • #1 Team in Southwest Florida since 2012
  • McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
  • McGreevy and Comisar alone have over $900 million in Sales
  • Nationally Recognized Top Producing Realtors
  • Platinum Sales Production Award Winners

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more at Domain Realty Group.

Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Jesse McGreevy (Sales Associate, SL3101296) and Marc Comisar (Broker Associate, BK3060671) are licensed Florida REALTORS with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission (FREC).

Jesse McGreevy: (239) 898-6072 · | Marc Comisar: (239) 287-5873

Buying? Call Marc at (239) 287-5873 or start at mcgreevyandcomisar.com/buying. Selling? Call Jesse at (239) 898-6072.

Sources and Authoritative References

Every load-bearing fact on this Winding Stream page traces to a primary or official source: the neighborhood's and the club's own documents, Florida state records and statutes, Lee County and Village of Estero records, FEMA and federal sources. Market data is from the Southwest Florida MLS, pulled October 21, 2026. No listing portal or aggregator is cited. The club's 2025 lease and transfer package returned a not-found error on September 30, 2026, so it is not linked.

  1. Winding Stream Recreation Association, Rules and Regulations, amended May 2018 (PDF) (accessed September 30, 2026)
  2. Spring Run Golf Club, Membership at a Glance, 2025 to 2026 (PDF) (accessed September 30, 2026)
  3. Spring Run Golf Club, Club History (accessed September 30, 2026)
  4. Spring Run Golf Club, Treasurer's 2025 Budget Report to Owners (PDF) (accessed September 30, 2026)
  5. Spring Run Golf Club Community Association, Rules and Regulations 2020 to 2021 (PDF) (accessed September 30, 2026)
  6. Spring Run 2025 Paint Color Palette (PDF) (accessed September 30, 2026)
  7. Spring Run Homes for Sale listing form (PDF) (accessed September 30, 2026)
  8. Map of Spring Run (PDF) (accessed September 30, 2026)
  9. Spring Run Golf Club, home page (accessed September 30, 2026)
  10. Spring Run Golf Club, amenities (accessed September 30, 2026)
  11. Spring Run Golf Club, rental community information (accessed September 30, 2026)
  12. Florida Division of Corporations, name search for Winding Stream (accessed September 30, 2026)
  13. Florida Division of Corporations, Winding Stream Recreation Association, Inc. (N01000004780) (accessed September 30, 2026)
  14. Florida Division of Condominiums, public condominium extract (Lee County) (accessed September 30, 2026)
  15. DBPR, milestone inspections and SIRS (accessed September 30, 2026)
  16. DBPR, condominium FAQ (accessed September 30, 2026)
  17. DBPR, condominium SIRS reporting (accessed September 30, 2026)
  18. Brooks of Bonita Springs CDDs, proposed budgets, fiscal year 2027 (PDF) (accessed September 30, 2026)
  19. Brooks of Bonita Springs CDD, adopted budget, fiscal year 2026 (PDF) (accessed September 30, 2026)
  20. Brooks CDDs, district documents index (accessed September 30, 2026)
  21. Brooks CDDs, home page (accessed September 30, 2026)
  22. Brooks CDDs, FAQ on the proposed sale of Coconut Park (PDF) (accessed September 30, 2026)
  23. Lee County Property Appraiser (accessed September 30, 2026)
  24. Lee County Property Appraiser, tax roll and data files (accessed September 30, 2026)
  25. Lee County Property Appraiser, 2025 Taxing District Millage Book (PDF) (accessed September 30, 2026)
  26. Lee County Clerk of Court, official records (accessed September 30, 2026)
  27. Lee County Tax Collector, real estate property taxes (accessed September 30, 2026)
  28. Lee County Emergency Management, Evacuation Zone B (PDF) (accessed September 30, 2026)
  29. Lee County, Lee Prepares evacuation zone map (accessed September 30, 2026)
  30. Lee County, FIRM flood zones (accessed September 30, 2026)
  31. Lee County Community Development (accessed September 30, 2026)
  32. FEMA National Flood Hazard Layer, flood hazard zones (accessed September 30, 2026)
  33. FEMA National Flood Hazard Layer, FIRM panels (accessed September 30, 2026)
  34. FEMA Flood Map Service Center, search by address (accessed September 30, 2026)
  35. FloodSmart, National Flood Insurance Program (accessed September 30, 2026)
  36. U.S. Census Bureau geocoder (accessed September 30, 2026)
  37. Village of Estero, flood zones and evacuation zones (accessed September 30, 2026)
  38. Village of Estero, permits (accessed September 30, 2026)
  39. Village of Estero, schools (accessed September 30, 2026)
  40. Village of Estero, medical facilities (accessed September 30, 2026)
  41. Lee County School District, school zones and enrollment (accessed September 30, 2026)
  42. Florida Department of Education, 2026 school grades (spreadsheet) (accessed September 30, 2026)
  43. Section 718.111, association insurance and records (accessed September 30, 2026)
  44. Section 718.112, bylaws, reserves and SIRS (accessed September 30, 2026)
  45. Section 718.116, assessments and estoppel (accessed September 30, 2026)
  46. Section 718.303, fines and remedies (accessed September 30, 2026)
  47. Section 718.503, resale disclosure (accessed September 30, 2026)
  48. Section 553.899, milestone inspections (accessed September 30, 2026)
  49. Section 553.844, roof and building code exceptions (accessed September 30, 2026)
  50. Section 627.7011, roof age and homeowners insurance (accessed September 30, 2026)
  51. Section 627.714, unit owner loss assessment coverage (accessed September 30, 2026)
  52. Section 720.30851, association estoppel certificates (accessed September 30, 2026)
  53. Section 201.02, documentary stamp tax on deeds (accessed September 30, 2026)
  54. Section 193.155, homestead assessments (accessed September 30, 2026)
  55. Section 689.261, property tax disclosure (accessed September 30, 2026)
  56. CS/CS/HB 913 (2025) (accessed September 30, 2026)
  57. SB 4-D (2022 Special Session D) (accessed September 30, 2026)
  58. SB 154 (2023) (accessed September 30, 2026)
  59. Florida Department of Revenue, documentary stamp tax (accessed September 30, 2026)
  60. Florida Department of Revenue, Save Our Homes (PDF) (accessed September 30, 2026)
  61. Florida Department of Revenue, CPI homestead exemption (PDF) (accessed September 30, 2026)
  62. Florida Administrative Code, title insurance rates (accessed September 30, 2026)
  63. Uniform Mitigation Verification Inspection Form OIR-B1-1802 (PDF) (accessed September 30, 2026)
  64. Florida Office of Insurance Regulation, Property Insurance Stability Report, July 2026 (PDF) (accessed September 30, 2026)
  65. Citizens Property Insurance, policies in force (accessed September 30, 2026)
  66. Citizens Property Insurance, flood requirement (accessed September 30, 2026)
  67. NHC Tropical Cyclone Report, Hurricane Ian (PDF) (accessed September 30, 2026)
  68. NHC Tropical Cyclone Report, Hurricane Milton (PDF) (accessed September 30, 2026)
  69. HUD, assistance animals and fair housing (accessed September 30, 2026)
  70. IRS Topic 701, sale of your home (accessed September 30, 2026)
  71. IRS Publication 523, selling your home (accessed September 30, 2026)
  72. Consumer Financial Protection Bureau, owning a home (accessed September 30, 2026)
  73. FDOT SWFL Roads, I-75 Immokalee Road to Corkscrew Road project (accessed September 30, 2026)
  74. Lee Health Coconut Point (accessed September 30, 2026)
  75. Florida Gulf Coast University (accessed September 30, 2026)
  76. Florida State Golf Association, Spring Run course record (accessed September 30, 2026)
  77. Florida Building Commission, Florida Building Code (accessed September 30, 2026)
  78. Estero Fire Rescue (accessed September 30, 2026)
  79. NAR, What the Settlement Means for Home Buyers and Sellers (accessed September 30, 2026)
  80. NAR, Settlement FAQs (accessed September 30, 2026)
  81. NAR, Written Buyer Agreements 101 (accessed September 30, 2026)
  82. Section 689.302, flood disclosure to a prospective purchaser (accessed September 30, 2026)
  83. Section 718.504, condominium prospectus and Frequently Asked Questions sheet (accessed September 30, 2026)
  84. Section 720.401, homeowners association disclosure summary (accessed September 30, 2026)
  85. Section 28.24, clerk recording fees (accessed September 30, 2026)
  86. Florida Department of Revenue, nonrecurring intangible tax (accessed September 30, 2026)
  87. Freddie Mac, Primary Mortgage Market Survey (accessed September 30, 2026)
  88. HUD, FHA-approved condominium search (accessed September 30, 2026)
  89. HUD, FHA condominium mortgage insurance (accessed September 30, 2026)
  90. Johnson v. Davis, 480 So. 2d 625 (Fla. 1985), Florida Supreme Court opinion (accessed September 30, 2026)
  91. Florida House staff analysis, HB 979 (2024), estoppel certificate fee caps (PDF) (accessed September 30, 2026)
  92. Florida Department of Financial Services, title insurance overview (accessed September 30, 2026)
  93. Lee County Clerk of Court, requirements for recording deeds (accessed September 30, 2026)
  94. Lee County Property Appraiser, 2026 tax roll: 120 residential parcels matched to Winding Stream, year built, bedrooms and heated area.
  95. Lee County recorded sales, DOR-qualified, all years on file, newest recording July 29, 2026, as carried in the county sales file.
  96. Southwest Florida MLS, Spring Run at The Brooks, Winding Stream closings and actives, pulled October 21, 2026.

Downloadable Documents

Winding Stream's key documents are published by the neighborhood, Spring Run Golf Club, the Brooks CDD, the State of Florida, FEMA and the federal government; the table links each to its issuing authority. The recorded declarations of condominium come from the Lee County Clerk's official records, and the neighborhood estoppel from Sandcastle Community Management.

DocumentIssued byDateLink
Winding Stream Rules and RegulationsWinding Stream Recreation Associationamended May 2018Rules, PDF
Membership at a Glance, 2025 to 2026Spring Run Golf Club2025 to 2026Fee sheet, PDF
Treasurer's 2025 Budget Report to OwnersSpring Run Golf Club2025Budget report, PDF
Map of Spring RunSpring Run Golf Clubcurrent fileMap, PDF
Brooks CDD adopted budget, fiscal year 2026Brooks of Bonita Springs CDDfiscal 2026Budget, PDF
Brooks CDD proposed budget, fiscal year 2027Brooks of Bonita Springs CDDfiscal 2027Proposed budget, PDF
Public condominium extract (Lee County)Florida Division of Condominiumsread September 30, 2026Condo extract, CSV
Uniform Mitigation Verification Inspection FormFlorida Office of Insurance Regulationrev. January 2012OIR-B1-1802, PDF
Estoppel certificate fee caps, staff analysisFlorida House of Representatives2024HB 979 analysis, PDF
Hurricane Ian Tropical Cyclone ReportNational Hurricane Center2022Ian report, PDF
Hurricane Milton Tropical Cyclone ReportNational Hurricane Center2024Milton report, PDF

Winding Stream buyers reach the buyer team by calling Marc Comisar direct at (239) 287-5873 or requesting a consultation online. We give you the closed sales, the fee stack and the monthly cost for the plans that fit, at no cost and no obligation.

Start with how we represent buyers, or call Marc at (239) 287-5873. If you are selling first, call Jesse at (239) 898-6072 or read our Winding Stream valuation guide.

Market data from Southwest Florida MLS, pulled October 21, 2026. Brokered by Domain Realty.