Big Tree Lakes vs Silver Creek
Two Clay communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-10-02.
| Metric | Big Tree Lakes | Silver Creek |
|---|---|---|
| Median sale price | $268K | $292K |
| Price per sq ft | $137 | $172 |
| Avg days on market | 75 days | 102 days |
| Months of supply | 5.3 mo | 2.9 mo |
| Market | Buyer-Leaning Market | Balanced Market |
| 1-year price change | +0% | -3% |
| Recent closings | 34 | 25 |
The verdict
Silver Creek carries the higher median price — about 9% above Big Tree Lakes. Homes in Big Tree Lakes sell faster (75 days on market vs 102). Silver Creek is the tighter market on inventory (2.9 months of supply).
Where each one is
Big Tree Lakes and Silver Creek are about 20 miles apart (straight-line, center to center) and share Clay County.
| Big Tree Lakes | Silver Creek | |
|---|---|---|
| County | Clay County, FL | Clay County, FL |
| City / area | Keystone Heights | Green Cove Springs |
| ZIP | 32656 | 32043, 32259 |
| Straight-line to downtown Jacksonville | 41 mi | 22 mi |
| Nearest Atlantic beach | 42 mi, Vilano Beach | 27 mi, Mickler's Landing (Ponte Vedra) |
| FEMA flood zones (sampled parcels) | 78% of 23 homes outside a flood zone (Zone X) | all 16 sampled homes outside a flood zone |
Distances are straight-line; driving distance is usually 15 to 30 percent more. Flood-zone shares come from FEMA flood maps matched to sampled parcels; always check the exact address before you close.
What is for sale today
| Big Tree Lakes | Silver Creek | |
|---|---|---|
| Homes for sale now | 15 | 6 |
| Under contract | 3 | 0 |
| Asking prices today | $130K to $530K | $275K to $430K |
| Listed in the last 7 days | 6 | 0 |
| Property types listed | Manufactured Home, Mobile Home, Single Family Residence | Mobile Home, Single Family Residence |
Live MLS counts, refreshed with every listing pull. Browse them: Big Tree Lakes homes for sale · Silver Creek homes for sale.
The homes themselves
| Big Tree Lakes | Silver Creek | |
|---|---|---|
| Homes (parcels) | 137 | 447 |
| Built | 1983–2024 (median 2001) | 2004–2016 (median 2006) |
| Typical living area | 1,550 sq ft | 1,898 sq ft |
| Homesteaded (owner-occupied) share | 31% | 56% |
| Vacant lots | 159 | 0 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
Price history, year by year
| Year | Big Tree Lakes median | Silver Creek median |
|---|---|---|
| 2012 | $45K (17 sales) | $147K (55 sales) |
| 2013 | $62K (12 sales) | $145K (29 sales) |
| 2014 | $58K (17 sales) | $167K (33 sales) |
| 2015 | $65K (28 sales) | $156K (45 sales) |
| 2016 | $75K (29 sales) | $173K (48 sales) |
| 2017 | $84K (19 sales) | $180K (45 sales) |
| 2018 | $116K (30 sales) | $213K (47 sales) |
| 2019 | $152K (22 sales) | $213K (56 sales) |
| 2020 | $150K (25 sales) | $226K (44 sales) |
| 2021 | $162K (24 sales) | $267K (58 sales) |
| 2022 | $201K (34 sales) | $343K (37 sales) |
| 2023 | $230K (36 sales) | $325K (25 sales) |
| 2024 | $265K (35 sales) | $339K (27 sales) |
| 2025 | $260K (35 sales) | $315K (17 sales) |
| 2026 | $270K (36 sales) | $288K (24 sales) |
Since 2012, Big Tree Lakes's median sale price is +499% and Silver Creek's is +96% — Big Tree Lakes has appreciated faster over that stretch.
How each one trades
| Big Tree Lakes | Silver Creek | |
|---|---|---|
| Sale-to-original-list | 99.7% | 97.6% |
| New-construction share of sales | 44% | 0% |
| Typical sold home | 1,988 sq ft | 1,760 sq ft |
| Momentum market-heat score | 66 (hot) | 25 (cold) |
Last 12 months of recorded closings; sale-to-original-list is the share of the first asking price sellers actually got.
Schools the listings are zoned for
| Big Tree Lakes | Silver Creek | |
|---|---|---|
| Elementary | Mcrae | Lake Asbury |
| Middle | not reported | Lake Asbury |
| High school | Keystone Heights | Clay |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Momentum Realty agents have closed 1 home in Big Tree Lakes and 1 in Silver Creek (brokerage records, both sides counted once). Find an agent who works Big Tree Lakes · Silver Creek.
Which one fits
On budget alone, Big Tree Lakes is the lower entry point (median $268K vs $292K). Buyers who want newer construction (fewer near-term roof, HVAC and re-plumb items, and easier insurance quotes in Florida) will find it in Silver Creek; Big Tree Lakes trades that for a more established street and, typically, larger lots. Sellers get a faster sale in Big Tree Lakes (75 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Silver Creek more expensive than Big Tree Lakes?
Yes, on recent sales: the median sale price in Silver Creek is $292,000 versus $268,000 in Big Tree Lakes, about 9% higher.
How far apart are Big Tree Lakes and Silver Creek?
About 20 miles straight-line, center to center, both in Clay County; driving distance is usually 15 to 30 percent more.
Which has newer homes, Big Tree Lakes or Silver Creek?
Silver Creek: its homes were built 2004–2016 with a median year of 2006, versus a median of 2001 in Big Tree Lakes (Florida DOR assessment roll).
Which has bigger homes?
Silver Creek. The typical home there is 1,898 sq ft of living area, versus 1,550 sq ft in Big Tree Lakes.
Which has appreciated more, Big Tree Lakes or Silver Creek?
From 2012 to 2026 the median sale price rose 499% in Big Tree Lakes and 96% in Silver Creek (recorded MLS closings by calendar year).
Where do sellers get closer to asking price?
Big Tree Lakes — sellers there received 99.7% of the original list price over the last 12 months versus 97.6% in Silver Creek.
What high schools serve Big Tree Lakes and Silver Creek?
Listings in Big Tree Lakes most often report Keystone Heights; listings in Silver Creek report Clay. Zoning is set by the district and can change - verify by address.
Go deeper on each: Big Tree Lakes homes, photos & schools · Silver Creek homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.