Spencer Trails
Homes for Sale in Middleburg, FL
All 377 homes for sale in Middleburg, FL · median $353,000 · 337 homes for sale in 32068 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via realMLS
As of October 2026, Spencer Trails in Middleburg, FL has 1 home for sale. Over the 12 months ending 2026-08-23, 3 recorded sales closed at a median of $320,000, $188 per square foot, a median 46 days on market, sellers accepting 100% of original asking. Homes listed or recently sold were built 1983–2023; none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 146 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,820 ($4,220 with the full homestead exemption).
Last 30 days in Spencer Trails: 1 new listing (median asking $99,000), 1 under contract right now. As of October 17, 2026, realMLS.
Spencer Trails right now
🟡 Balanced market. 4.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 23, 2026. Confidence: Low (1 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Spencer Trails market snapshot (as of August 23, 2026): the median sale price is about $320K ($188 per sq ft over the trailing 12 months of closed sales), a median 46 days on market for closed sales, and 4.0 months of supply, a balanced market.
In ZIP 32068 (Middleburg), 1,197 homes closed in the last 12 months at a median of $315K ($185/sq ft), up 1.6% year over year, with a median 45 days on market. Right now 271 active and 97 pending listings put supply at about 4.8 months — a balanced market. See the live ZIP 32068 housing market and the Clay County market.
realMLS (Northeast Florida) sales records identify 26 homes in Spencer Trails that have changed hands since 2001, built between 1983 and 2023 (median 2000), with a median living area of about 1,784 sq ft and a typical 3-bedroom, 2-bath layout. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
The setting & the homes.
Aerial and on-site photos of Spencer Trails. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Spencer Trails
Spencer Trails
Spencer Trails
Spencer Trails
Spencer TrailsPhotos from realMLS listings in Spencer Trails; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($320K) IS the median in the snapshot above.
Windows contain 0 to 6 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
26% of homes for sale in ZIP 32068 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-15).
Spencer Trails Market Scorecard
Spencer Trails is currently a balanced market. About 4.0 months of supply, a median asking price of $344,900, and homes go under contract in about 14 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Spencer Trails
Live MLS inventory for Spencer Trails. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Spencer Trails listings as of 2026-10-17, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Spencer Trails on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Middleburg High School (Clay County District Schools, verify by address)FLDOE grade A · High
- Wilkinson Junior High School or your address-zoned middle school (verify by address) · Middle
- Middleburg Elementary School or your address-zoned elementary school (verify by address) · Elementary
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Spencer Trails address.
The Spencer Trails buying strategy.
If we were buying in Spencer Trails today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Spencer Trails.
A closer look at the Spencer Trails market
At a median of $188 per square foot, Spencer Trails prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 4.0 months of supply, a balanced market. Homes that do trade take a median 46 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Spencer Trails. The deal is won or lost on condition, the comps, and the renovation math.
What it really costs to own in Spencer Trails
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| Property tax | Current owners' bills run a median of $2,383/yr across 3 listings here (MLS tax records, 2026-10-18). |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2006 across 3 listings. An original roof here would be about 20 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Spencer Trails
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Spencer Trails
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Spencer Trails will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Spencer Trails buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Spencer Trails sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencer Trails, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Spencer Trails home worth?
Get a no-obligation home value based on real comparable sales in Spencer Trails, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Middleburg →
Recently off market in Spencer Trails
Homes in Spencer Trails that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 2442 Quarterhorse Trail · off market
- 2469 Quarterhorse Trail · off market
- 5277 Otter Lane · off market
| Location | Middleburg, Clay County, FL · ZIP 32068, 32073 |
|---|---|
| Home types (current listings and sales) | mobile homes 60%, manufactured homes 20%, single-family 20% |
| Sale prices, last 12 months | $320,000 median across 3 closed sales · $188 per sq ft |
| Days on market (closed sales) | 46 median |
| For sale right now | 1 active, 0 pending · median asking $344,900 · 4.0 months of supply |
| Zoned public schools | Middleburg High School (Clay County District Schools, verify by address) (A, FLDOE 2025-26); Wilkinson Junior High School or your address-zoned middle school (verify by address); Middleburg Elementary School or your address-zoned elementary school (verify by address) |
Data as of August 23, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Spencer Trails key facts,” movewithmomentum.com/neighborhoods/spencer-trails-middleburg, data as of August 23, 2026.
Housing distress & ownership in Spencer Trails, Middleburg
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Every Home for Sale in Spencer Trails Middleburg Right Now (2)
All 2 active and pending Spencer Trails Middleburg listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5275 Carter Spencer Road · $99,000 · 3 bd / 2 ba · listed Sep 30, 2026 · listed by Parallel Realty Llc
- 2439 Quarterhorse Trail · $344,900 · 3 bd / 2 ba · pending · listed Jul 16, 2026 · listed by Jpar City And Beach
Recently sold in Spencer Trails Middleburg
- 2442 Quarterhorse Trail · sold $390,000
- 5277 Otter Lane · sold $317,000
- 2469 Quarterhorse Trail · sold $320,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Middleburg home searches
- All homes for sale in Middleburg, FL
- Homes for sale in Clay County, FL
- Middleburg pool homes for sale
- Middleburg waterfront homes for sale
- Gated communities in Middleburg
- Homes under $300K in Middleburg
- Homes from $300K to $500K in Middleburg
- 4-bedroom homes for sale in Middleburg
- Middleburg home values: what is my house worth?
- ZIP 32068 housing scorecard
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Carter Spencer Road (2 homes on record)
Frequently Asked Questions
What is the median home price in Spencer Trails?
How long do homes in Spencer Trails take to sell?
Is Spencer Trails a buyer's or seller's market right now?
What schools serve Spencer Trails?
Who is the best real estate agent for Spencer Trails?
How do I find a top Middleburg real estate agent who knows Spencer Trails?
Can Momentum Realty connect me with an agent for Spencer Trails?
Where is Spencer Trails, and what county is it in?
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 17, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 23, 2026 |
| Under-contract shares | realMLS records, as of 2026-08-18 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (46 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Spencer Trails fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Spencer Trails
- Home values · What homes in Spencer Trails actually sell for
Nearby Communities
Explore more neighborhoods near Spencer Trails with Momentum Realty’s local guides.