Carter Spencer
Homes for Sale in Middleburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of HATCH REALTY SERVICES · via realMLS
As of September 2026, the MLS records 12 closed sales in Carter Spencer in Middleburg, FL since 2004, the most recent in April 2026. Across Middleburg as a whole, 665 homes closed in the last 12 months at a median of $312,500, 46 median days on market, with 220 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,700 ($4,110 with the full homestead exemption).
Carter Spencer is defined by variety, not uniformity. With homes built anywhere from 1940 to 2024 and a median build year of 1997, condition and updates are what move price here more than any single benchmark. Two homes on the same street can be decades apart in age and finish, so the spread is real and buyers should expect to underwrite each property on its own merits.
The homestead share sits at roughly 68%, which points to a market held largely by owner-occupants rather than churn-driven turnover. For sellers, that means comparable sales can be uneven and pricing to condition matters. For buyers, patience and a willingness to look past cosmetics can surface value that a headline number will not show.
The 60-Second Overview
With 111 homes spanning 1940 to 2024, Carter Spencer in Middleburg is less a single product type than a collection of eras, where a median living area near 1,620 square feet anchors the middle of a wide range.
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 Carter Spencer. Swipe to explore the community.
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Carter SpencerPhotos from realMLS listings in Carter Spencer; content deemed reliable but not guaranteed.
Who Carter Spencer is best for.
Best for
- Buyers willing to inspect closely and value a home on its updates rather than its listing headline
- Owner-occupants planning to stay, who benefit from the stability of a predominantly homesteaded market
- Buyers open to a range of build eras, from older stock with character to newer construction
Probably not for
- Buyers who want a single, uniform product type with predictable finishes across the community
- Buyers unwilling to budget for updates on older homes within the range
- Buyers needing significantly more than the roughly 1,620 sqft median without verifying options first
The market around Carter Spencer
Carter Spencer is too small for its own price trend, so here is the market around it.
In ZIP 32068, 475 homes are on the market and 27% are under contract — a steady corner of Middleburg.
Across Clay County, 1,221 homes are active and 475 pending (28% under contract).
ZIP and county figures describe the wider market, not Carter Spencer specifically. Momentum Research analysis of MLS records.
Recent Developments in Carter Spencer
Development, infrastructure, retail, and school activity affecting Carter Spencer, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated August 2026.
- June 2026Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
What it may mean for the marketContinued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 11 miles northeast of Carter Spencer.
Source: Jax Daily Record - June 2026Builder Activity
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
What it may mean for the marketAdds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 10 miles east of Carter Spencer, elsewhere in Clay County.
Source: News4Jax - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 14 miles east of Carter Spencer.
Source: Jax Daily Record - April 2026Development
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
What it may mean for the marketA build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 11 miles northeast of Carter Spencer.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Carter Spencer buying strategy.
If we were buying in Carter Spencer 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 Carter Spencer.
An age-mixed pocket of Clay County
The defining feature of Carter Spencer is its build range. A median year built of 1997 tells you the center of gravity, but with the oldest homes dating to 1940 and the newest to 2024, you are shopping across generations of construction, systems, and layouts. That makes inspection quality and renovation history the real levers on value.
At a median of about 1,620 square feet of living space, most homes here land in a practical middle size. Buyers who need more room should verify square footage property by property rather than assuming the median, and sellers of updated or larger homes should be prepared to document why they sit above the pack.
The location and the amenities are priced into every listing in Carter Spencer. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this varied in age and condition, the median tells you almost nothing about the house in front of you. We price and evaluate property by property, weighing updates, systems, and living area against a wide field of comparables so you are not overpaying on cosmetics or underselling a genuinely renovated home.
Carter Spencer 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 Carter Spencer 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 Carter Spencer sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Carter Spencer, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Carter Spencer home worth?
Get a no-obligation home value based on real comparable sales in Carter Spencer, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Should you buy in Carter Spencer?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Carter Spencer with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 30, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-30 |
| Historical depth | Closed-sale records back to 2004 (12 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.
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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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The real cost & risk here
Before the list price, the Florida math the portals skip. These are Clay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Clay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Carter Spencer Market Scorecard
Carter Spencer is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32068 ZIP is $328,619, about 20.0% 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.