Lakes at Bella Lago 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 | Lakes at Bella Lago | Silver Creek |
|---|---|---|
| Median sale price | $354K | $292K |
| Price per sq ft | $165 | $172 |
| Avg days on market | 49 days | 102 days |
| Months of supply | 4.1 mo | 2.9 mo |
| Market | Balanced Market | Balanced Market |
| 1-year price change | +8% | -3% |
| Recent closings | 44 | 25 |
The verdict
Lakes at Bella Lago carries the higher median price — about 21% above Silver Creek. Homes in Lakes at Bella Lago sell faster (49 days on market vs 102). Silver Creek is the tighter market on inventory (2.9 months of supply).
Where each one is
Lakes at Bella Lago and Silver Creek are about a mile apart (straight-line, center to center) and share Clay County.
| Lakes at Bella Lago | Silver Creek | |
|---|---|---|
| County | Clay County, FL | Clay County, FL |
| City / area | Green Cove Springs | Green Cove Springs |
| ZIP | 32043 | 32043, 32259 |
| Straight-line to downtown Jacksonville | 22 mi | 22 mi |
| Nearest Atlantic beach | 27 mi, Mickler's Landing (Ponte Vedra) | 27 mi, Mickler's Landing (Ponte Vedra) |
| FEMA flood zones (sampled parcels) | all 26 sampled homes outside a flood zone | 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
| Lakes at Bella Lago | Silver Creek | |
|---|---|---|
| Homes for sale now | 15 | 6 |
| Under contract | 10 | 0 |
| Asking prices today | $300K to $395K | $275K to $430K |
| Listed in the last 7 days | 13 | 0 |
| Property types listed | Single Family Residence | Mobile Home, Single Family Residence |
Live MLS counts, refreshed with every listing pull. Browse them: Lakes at Bella Lago homes for sale · Silver Creek homes for sale.
The homes themselves
| Lakes at Bella Lago | Silver Creek | |
|---|---|---|
| Homes (parcels) | 88 | 447 |
| Built | 2024–2024 (median 2024) | 2004–2016 (median 2006) |
| Typical living area | 1,844 sq ft | 1,898 sq ft |
| Homesteaded (owner-occupied) share | 19% | 56% |
| Vacant lots | 122 | 0 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
Price history, year by year
| Year | Lakes at Bella Lago median | Silver Creek median |
|---|---|---|
| 2024 | $383K (31 sales) | $339K (27 sales) |
| 2025 | $380K (73 sales) | $315K (17 sales) |
| 2026 | $358K (47 sales) | $288K (24 sales) |
Since 2024, Lakes at Bella Lago's median sale price is -7% and Silver Creek's is -15% — Lakes at Bella Lago has appreciated faster over that stretch.
How each one trades
| Lakes at Bella Lago | Silver Creek | |
|---|---|---|
| Sale-to-original-list | 92.9% | 97.6% |
| New-construction share of sales | 100% | 0% |
| Typical sold home | 2,193 sq ft | 1,760 sq ft |
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
| Lakes at Bella Lago | Silver Creek | |
|---|---|---|
| Elementary | Lake Asbury | Lake Asbury |
| Middle | Lake Asbury | Lake Asbury |
| High school | Clay | 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 0 homes in Lakes at Bella Lago and 1 in Silver Creek (brokerage records, both sides counted once). Find an agent who works Lakes at Bella Lago · Silver Creek.
Which one fits
On budget alone, Silver Creek is the lower entry point (median $292K vs $354K). Buyers who want newer construction (fewer near-term roof, HVAC and re-plumb items, and easier insurance quotes in Florida) will find it in Lakes at Bella Lago; Silver Creek trades that for a more established street and, typically, larger lots. Sellers get a faster sale in Lakes at Bella Lago (49 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 Lakes at Bella Lago more expensive than Silver Creek?
Yes, on recent sales: the median sale price in Lakes at Bella Lago is $354,000 versus $292,000 in Silver Creek, about 21% higher.
How far apart are Lakes at Bella Lago and Silver Creek?
About a mile straight-line, center to center, both in Clay County; driving distance is usually 15 to 30 percent more.
Which has newer homes, Lakes at Bella Lago or Silver Creek?
Lakes at Bella Lago: its homes were built 2024–2024 with a median year of 2024, versus a median of 2006 in Silver Creek (Florida DOR assessment roll).
Which has appreciated more, Lakes at Bella Lago or Silver Creek?
From 2024 to 2026 the median sale price rose -7% in Lakes at Bella Lago and -15% in Silver Creek (recorded MLS closings by calendar year).
Where do sellers get closer to asking price?
Silver Creek — sellers there received 97.6% of the original list price over the last 12 months versus 92.9% in Lakes at Bella Lago.
What high schools serve Lakes at Bella Lago and Silver Creek?
Listings in Lakes at Bella Lago most often report Clay; listings in Silver Creek report Clay. Zoning is set by the district and can change - verify by address.
Go deeper on each: Lakes at Bella Lago homes, photos & schools · Silver Creek homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.