Clay
Homes for Sale in Green Cove Springs, FL
True comps, carrying-cost math, and listings before the portals.
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.
Clay right now
🟢 Still climbing. The trailing-12-month median ($355K) is up 18.3% from the prior 12 months ($300K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 15. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Clay right now
🟢 Still climbing. The trailing-12-month median ($355K) is up 18.3% from the prior 12 months ($300K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 14. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 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
Clay market snapshot (as of July 14, 2026): the median sale price is about $355K ($218 per sq ft over the trailing 12 months of closed sales), and a median 50 days on market for closed sales. The trailing-12-month median is up 18% from the prior 12 months, computed from record-level realMLS closed sales (3 closings in the current window).
Clay is a community of 134 homes in Green Cove Springs, Clay County, built between 1950 and 2023 (median 1995.0), with a median living area of about 1,620 square feet. 64% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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.
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
Median sale price over the trailing 12 months ending July 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($355K) IS the median in the snapshot above, and the move from 2025 ($300K) IS the +18.3% one-year change.
Windows contain 0 to 4 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. 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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 15 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($355K) IS the median in the snapshot above, and the move from 2025 ($300K) IS the +18.3% one-year change.
Windows contain 0 to 4 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
30% of homes for sale in ZIP 32043 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-12).
29% of homes for sale in ZIP 32068 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-18).
Clay Market Scorecard
Clay is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Clay buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.4). Basis: Recent Direction +18.3% year-over-year; Owner Commitment 64% owner-occupied; Pricing Power 93.5% sale-to-list. Refreshed with each data update.
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
- 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 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 homes for sale in Clay on the map →
Frequently Asked Questions
What is the median home price in Clay?
How long do homes in Clay take to sell?
How many homes are in Clay?
What share of Clay is owner-occupied?
When were the homes in Clay built?
Do cash buyers compete in Clay?
Who is the best real estate agent for Clay?
How do I find a top Green Cove Springs real estate agent who knows Clay?
Can Momentum Realty connect me with an agent for Clay?
Should you buy in Clay?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Clay with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (3 streets, ZIP 32043/32065/32068/32073/32234)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| 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.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (3 streets, ZIP 32043/32065/32068/32073/32234)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| 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 your area comps.
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