Bay Harbor
Homes for Sale in Orange Park, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of INI REALTY · via realMLS
As of September 2026, Bay Harbor in Orange Park, FL has 1 home for sale. As of September 2026, the MLS records 57 closed sales in Bay Harbor in Orange Park, FL since 2002, the most recent in May 2026. Recorded prices since 2024 ran from $335,000 to $505,000 (median $420,000), on homes of 1,722 to 2,408 sq ft. Across Orange Park as a whole, 654 homes closed in the last 12 months at a median of $330,000, 39 median days on market, with 162 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $6,320 ($5,730 with the full homestead exemption).
Bay Harbor is a small, contained community of 53 homes in Orange Park, Clay County, built entirely between 2000 and 2003, with a median build year of 2001. That narrow construction window means the housing stock reads as consistent in age and era rather than a mix spanning multiple decades and builders. There is no price benchmark to lean on right now: active listings sit at 0, and the current window shows just one closing, so pricing here has to be reasoned out from comparable context rather than a running median.
For a buyer, that thin data means patience and a broker relationship - not scrolling a portal - is what surfaces the next listing. For a seller, it means a listing does not have to compete against a deep shelf of other Bay Harbor homes on the market at the same time, because there simply are not many out there right now. A homestead-exemption share of 79.2% also points to a stock of largely owner-occupied homes, which tends to slow turnover and keep supply tight in ordinary years, not just this one.
Bay Harbor right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 September 13, 2026. Confidence: Low (1 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Bay Harbor is a compact, 53-home community in Orange Park built in a tight span from 2000 to 2003, with homes running a median of 1,937 square feet - a footprint that stays consistent across the community rather than swinging from small to large.
realMLS (Northeast Florida) sales records identify 24 homes in Bay Harbor that have changed hands since 2002, built between 2001 and 2002 (median 2002), with a median living area of about 1,910 sq ft and a typical 4-bedroom, 2-bath layout; 96% are single-family homes. 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.
County records show 4 qualified sales in Bay Harbor across 2024–2024, median $420,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Bay Harbor. Swipe to explore the community.
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Bay Harbor
Bay Harbor
Bay HarborPhotos from realMLS listings in Bay Harbor; content deemed reliable but not guaranteed.
Who Bay Harbor is best for.
Best for
- A buyer targeting a home built between 2000 and 2003 who wants a small, single-phase community rather than a sprawling subdivision.
- A buyer comfortable working off very limited active inventory and relying on a broker to surface homes before they hit a portal.
- A seller who wants a listing to stand out in a community with essentially no competing active inventory right now.
Probably not for
- A buyer who wants to compare several active listings side by side before deciding - there is nothing currently on the market to compare.
- A buyer prioritizing a large recreational amenity package - the only amenity on record is a basketball court, and it should be confirmed with the HOA.
- A buyer who needs a long transaction history to build price confidence - the current window shows only one closing.
The market around Bay Harbor
Bay Harbor is too small for its own price trend, so here is the market around it.
In ZIP 32003, 158 homes are on the market and 32% are under contract — a fast-moving corner of Orange Park.
Across Clay County, 1,286 homes are active and 456 pending (26% under contract).
In ZIP 32003 (Orange Park), 449 homes closed in the last 12 months at a median of $460K ($214/sq ft), down 2.3% year over year, with a median 32 days on market. Right now 86 active and 35 pending listings put supply at about 3.2 months — a healthy market. See the live ZIP 32003 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Bay Harbor specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Bay Harbor, Orange Park
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.
Homes For Sale Right Now in Bay Harbor
Live MLS inventory for Bay Harbor. 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 Bay Harbor listings as of 2026-09-13, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Life at Bay Harbor
- Basketball Court · reported on 1 of 1 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Fleming Island High School (Clay County District Schools)FLDOE grade A · High
- Lakeside Junior High School or your address-zoned middle school (verify by address) · Middle
- Fleming Island 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 Bay Harbor address.
The Bay Harbor buying strategy.
If we were buying in Bay Harbor 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Bay Harbor.
A Small, Consistent Pocket of Clay County
Fifty-three homes, all raised within a four-year construction window, is a small enough footprint that Bay Harbor behaves more like a single phase of a subdivision than a sprawling community layered with multiple builders and eras. The median living area of 1,937 square feet suggests a fairly uniform floor-plan approach for the period rather than a wide range from starter to estate-sized homes. The one amenity on record is a basketball court, reported across this community's MLS listings, so buyers should verify current amenities and access directly with the HOA rather than assume a fuller recreational package.
The market-activity numbers here matter as much as the physical stock: zero active listings and one closing in the current window is not a lot to work with. That is not unusual for a community this size, but it does mean anyone tracking Bay Harbor needs to watch for listings as they come up rather than lean on a steady stream of comparables. Combined with a homestead-exemption share of 79.2%, the picture is a community where most owners hold the home as a primary residence rather than a rental or investment property, which historically correlates with fewer, more deliberate listings rather than frequent turnover.
The location and the amenities are priced into every listing in Bay Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With active listings at 0 and only one closing in the current window, Bay Harbor is not a community you can read from a portal search alone - it takes someone watching the small number of homes that exist, all built between 2000 and 2003, and ready to move the moment one comes up. Momentum tracks this pocket of Orange Park directly rather than waiting for it to surface in a broad Clay County search, and can help a buyer or seller understand what a 1,937-square-foot home here is actually worth in context, without a running median to lean on.
Bay Harbor in 15 seconds.
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 Bay Harbor 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 Bay Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Harbor home worth?
Get a no-obligation home value based on real comparable sales in Bay Harbor, 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 Orange Park →
Recently off market in Bay Harbor
Homes in Bay Harbor 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. 1 on record.
- 1530 Bay Harbor Drive · off market
Bay Harbor Market Scorecard
Bay Harbor is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $384,900, and homes go under contract in about 55 days.
Typical home value in the 32003 ZIP is $444,116, about 25.2% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Bay Harbor a buyer's or seller's market right now?
How many homes are in Bay Harbor?
What share of Bay Harbor is owner-occupied?
When were the homes in Bay Harbor built?
What schools serve Bay Harbor?
Who is the best real estate agent for Bay Harbor?
How do I find a top Orange Park real estate agent who knows Bay Harbor?
Can Momentum Realty connect me with an agent for Bay Harbor?
Should you buy in Bay Harbor?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 13, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32003/32073)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2002 (57 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Bay Harbor fits the bigger picture — live prices, inventory, and Momentum Scores:
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