Clay
Homes for Sale in Green Cove Springs, FL
All 404 homes for sale in Green Cove Springs, FL · median $381,386 · 399 homes for sale in 32043 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of HERRON REAL ESTATE LLC · via realMLS
Homes listed or recently sold were built 1984–2025 with 1 new construction; 1 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 39 ft). As of October 2026, the MLS records 19 closed sales in Clay in Green Cove Springs, FL since 2007, the most recent in July 2026. Across Green Cove Springs as a whole, 803 homes closed in the last 12 months at a median of $357,291, 59 median days on market, with 219 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $5,380 ($4,780 with the full homestead exemption).
Price here is driven by condition and vintage, not by any single product type. With a build range spanning the 1950s through 2023 and a median year built right around the early 1990s, you are buying into a market where the home in front of you matters far more than the ZIP code average. The median sits at $355,000 and roughly $218 per square foot on a median footprint just over 1,600 square feet, but the spread underneath that number is wide because the housing stock is genuinely mixed.
The current posture favors sellers on price momentum and buyers on pace. Values are up 18.3% year over year, which is a strong move, yet homes are taking a median of 50 days to go under contract. That combination means sellers should not assume an instant sale at an aspirational number, and buyers still have room to inspect, negotiate, and walk. Homestead share near 69% points to an owner-occupied core rather than a churn of short-term flips.
The 60-Second Overview
Clay, in Green Cove Springs, is a condition-driven market where a home built decades ago sits next to something nearly new, so what you pay tracks the specific house rather than a neighborhood template.
realMLS (Northeast Florida) sales records identify 5 homes in Clay that have changed hands since 2001, built between 1964 and 2023 (median 1999), with a median living area of about 2,183 sq ft and a typical 3-bedroom, 1-bath layout; 80% 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.
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 Clay. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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ClayPhotos from realMLS listings in Clay; content deemed reliable but not guaranteed.
Who Clay is best for.
Best for
- Buyers targeting a median-priced home near $355,000 who will inspect carefully and value on condition
- Renovation-minded buyers willing to take on an older home in exchange for a lower entry basis
- Sellers of updated homes ready to price against genuine, condition-matched comps
Probably not for
- Buyers who want new-construction uniformity and predictable finishes across the board
- Buyers expecting an instant sale or a set price range without weighing condition
- Sellers of dated homes hoping the year-over-year headline carries an aspirational number on its own
The market around Clay
Clay is too small for its own price trend, so here is the market around it.
In ZIP 32043, 543 homes are on the market and 25% are under contract — a steady corner of Green Cove Springs.
Across Clay County, 1,290 homes are active and 439 pending (25% under contract).
In ZIP 32043 (Green Cove Springs), 1,139 homes closed in the last 12 months at a median of $336K ($183/sq ft), down 4.0% year over year, with a median 64 days on market. Right now 265 active and 110 pending listings put supply at about 3.8 months — a balanced market. See the live ZIP 32043 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Clay specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Clay
Live MLS inventory for Clay. 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 Clay listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Clay on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
The Clay buying strategy.
If we were buying in Clay 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 Clay.
Reading a mixed-vintage market
The most useful fact here is the build range: homes dating back to 1950 alongside construction as recent as 2023, with the median landing in the early 1990s. That tells you the sample of 110 homes is not one cohesive subdivision but a collection of eras and finishes. The median of $217.93 per square foot is a starting reference, not a rule — a renovated older home and a tired one of the same size can land far apart, and the median price of $355,000 masks that range.
A 50-day median days-on-market, paired with an 18.3% year-over-year gain, is the signal to watch. Appreciation has been real, but the pace is measured rather than frantic, so pricing to the last comp without accounting for condition tends to sit. Buyers should budget inspection attention for the older end of the stock; sellers of updated homes have the clearest path to a clean number.
The location and the amenities are priced into every listing in Clay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this varied by age and condition, the average number tells you almost nothing about the house you actually want. We walk the specific property against its true comps, separate the renovated stock from the deferred-maintenance stock, and price or negotiate against what a 50-day pace and a wide condition spread really support here — not against a headline median.
Clay 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 Clay 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 Clay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Clay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Clay home worth?
Get a no-obligation home value based on real comparable sales in Clay, 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 Green Cove Springs →
Should you buy in Clay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Under-contract shares | realMLS records, as of 2026-10-01 |
| Historical depth | Closed-sale records back to 2007 (19 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Clay fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Clay with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Clay. These are the public schools most often assigned to other communities in ZIP 32043; zones change and vary by address, so confirm with the district before you buy.
- Clay High School · 9-12 · FLDOE grade B (assigned to 33 nearby communities)
- Lake Asbury Junior High School · Junior High · FLDOE grade A (assigned to 18 nearby communities)
- Lake Asbury Elementary School · elementary (verify zoning) · FLDOE grade B (assigned to 13 nearby communities)
- Charles E. Bennett Elementary School · PreK-6 · FLDOE grade B (assigned to 10 nearby communities)
- Green Cove Springs Junior High School · 7-8 · FLDOE grade A (assigned to 10 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Clay
Where is Clay?
Clay is a community in Green Cove Springs, Clay County, Florida, ZIP 32043.
Are there homes for sale in Clay right now?
Yes — 0 active and 1 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Clay have an HOA or CDD?
No HOA is on record for Clay in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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.