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
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 August 23, 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 August 23, 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.
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.
Swipe or use the arrows → tap any photo to enlarge
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, 145 homes are on the market and 36% are under contract — a fast-moving corner of Orange Park.
Across Clay County, 1,172 homes are active and 480 pending (29% under contract).
ZIP and county figures describe the wider market, not Bay Harbor specifically. Momentum Research analysis of MLS records.
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 2026-08-24, 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
- Mandatory HOA. Confirm current dues
- 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 homes for sale in Bay Harbor on the map →
Frequently Asked Questions
Is Bay Harbor a buyer's or seller's market right now?
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.
Nearby Communities
Explore more neighborhoods near Bay Harbor with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: 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 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 your area comps.
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