Cutters
Point Homes for Sale in Orange Park, FL

Established Orange Park single-family resale market · Orange Park · ZIP 32073

An established single-family resale neighborhood in Orange Park, built for buyers who want a settled, built-out home rather than a new-construction phase.

Established resaleOrange Park, Clay CountySingle-family homes
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a settled, built-out neighborhood from the early 2000s, not new construction. Market data on this page will fill in as sales in the community accrue on live realMLS feeds; treat any figures here as thin until then and confirm current pricing against genuinely comparable sales.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
n/a
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Cutters Point is a resale-only, single-family neighborhood in Orange Park built roughly between 2002 and 2005. It reads as a fairly typical mid-2000s Clay County subdivision, with midsize homes rather than a marketed amenity package, so buyers should confirm exactly what the HOA dues cover rather than assume a pool or clubhouse comes with them. The location case is straightforward, a manageable drive toward Naval Air Station Jacksonville and downtown Jacksonville, in an area that finished its build-out roughly two decades ago. The work here is verifying condition on an established housing stock and confirming carrying costs in writing, not chasing a builder price sheet."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cutters Point is an established, single-family resale neighborhood in Orange Park, Clay County, in ZIP 32073. Local real estate sources describe the community as built out roughly between 2002 and 2005.

Local real estate sources describe homes generally running about 1,690 to 2,880 square feet with 3 to 5 bedrooms, though each figure should be verified on the specific parcel. Because every home here is a resale, condition varies more than in a builder community, and the durable differences between listings are age of systems, updates, and lot position rather than plan selection.

Cutters Point is not marketed with a distinct recreational amenity package in the sources reviewed for this fast pass, so it reads as a straightforward, HOA-governed resale neighborhood rather than an amenity-driven community. That makes the location itself, a manageable commute toward Naval Air Station Jacksonville and downtown Jacksonville, along with the usual questions of home condition and HOA costs, the main things to weigh here.

Best for

  • Buyers who want an established, built-out single-family resale in Orange Park rather than a new-construction phase
  • Buyers commuting toward Naval Air Station Jacksonville or downtown Jacksonville who value an Orange Park, Clay County location
  • Buyers comfortable verifying HOA dues and home condition directly before committing

Probably not for

  • Buyers who want a brand-new home with a builder warranty
  • Buyers who need a confirmed recreational amenity package such as a pool or clubhouse
  • Buyers unwilling to budget time and money for an older home's inspection findings

How Cutters Point is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
n/aMedian days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Live market metrics for Cutters Point update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.

Live from realMLS, as of July 9, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cutters Point listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Cutters Point buys, holds, and resells. See the five factors.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Naval Air Station Jacksonville15 to 20 min · approximate
Downtown Jacksonville20 to 25 min · approximate
Jacksonville International Airport35 to 45 min · approximate
Fleming Island10 to 15 min · approximate
Green Cove Springs15 to 20 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near CuttersPoint Homes for Sale in Orange Park, FL with Momentum Realty’s local guides.

Loch Rane Homes for Sale in Orange Park, FLLoch Rane Homes for Sale in Orange Park, FLOrange Park, FL · 0.3 miHolly Cove Townhomes in Orange Park, FLHolly Cove Townhomes in Orange Park, FLOrange Park, FL · 0.6 miLGLaurel Grove Homes for Sale in Orange Park, FLOrange Park, FL · 0.8 miFHFoxValley Homes for Sale in Orange Park, FLOrange Park, FL · 0.8 miFoxridge Homes for Sale in Orange Park, FLFoxridge Homes for Sale in Orange Park, FLOrange Park, FL · 0.8 miBHBrightonVillage Homes for Sale in Orange Park, FLOrange Park, FL · 0.9 miOCOlde ConcordVillage Homes for Sale in Orange Park, FLOrange Park, FL · 0.9 miPark West Homes for Sale in Orange Park, FLPark West Homes for Sale in Orange Park, FLOrange Park, FL · 1.0 miSHSaunderlee Homes for Sale in Orange Park, FLOrange Park, FL · 1.1 mi

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Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Cutters Point (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Clay County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Cutters Point is served by Clay County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

High

Orange Park High School (Clay County District Schools)

Middle

Orange Park Junior High School or your address-zoned middle school (verify by address)

Elementary

Orange Park Elementary School or your address-zoned elementary school (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Cutters Point address.

The takeaway

The story here is a settled Orange Park location rather than a headline event. Cutters Point built out roughly two decades ago and is not part of any current new-construction phase.

Recent Developments in Cutters Point

Our read on what is being built around Cutters Point, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet stable for a built-out, single-family resale neighborhood, with the usual older-home condition and Florida insurance questions to underwrite home by home.

Orange Park area is fully built out

Evergreen
BullishMajor impact
SignificanceRadius: Area

Cutters Point sits in an established part of Orange Park that finished its build-out around two decades ago. A mature, built-out location supports steady demand without relying on new construction nearby.

No new-construction competition inside the neighborhood

Evergreen
BullishNotable impact
SignificanceRadius: Community

Cutters Point is built out, so value here turns on the condition and updates of individual resale homes rather than a builder's current price sheet or phase releases.

Clay County growth pressure

Evergreen
NeutralNotable impact
SignificanceRadius: County

Clay County has continued adding residents in recent years, which tends to support demand for established resale inventory in built-out Orange Park neighborhoods like this one.

Florida insurance costs remain a real line item

2026
NeutralMinor impact
SignificanceRadius: Region

Statewide homeowners insurance costs have stayed elevated. Get a bindable quote for the specific home, factoring in roof age, before you commit to a purchase.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Cutters Point, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

    Development alerts for Cutters PointGet a short monthly email when something new is approved, funded, or opens near Cutters Point.

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    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.

    If we were buying in Cutters Point, this is the order of operations we would run, and the one we run for our clients.

    1

    Pull the specific home's record with the Clay County Property Appraiser to confirm year built, square footage, and whether any CDD assessment applies.

    2

    Get written confirmation from the Cutters Point homeowners association on current HOA dues and what they cover.

    3

    Get a thorough inspection focused on roof age, plumbing, electrical, and HVAC, since systems age varies across a neighborhood built between 2002 and 2005.

    4

    Verify the exact zoned elementary, middle, and high schools by the home's address with the Clay County District Schools, since attendance zones change.

    5

    Get a bindable homeowners insurance quote for the exact home before you make an offer.

    Best Buy
    A well-maintained resale with documented HOA terms and confirmed recent system updates.
    Biggest Risk
    Underestimating an older home's deferred maintenance or assuming a recreational amenity package that is not part of this HOA.
    Best Lot
    Favor an interior lot with clear documentation over guessing condition from photos alone.
    Smart Timing
    Resale-driven. Homes trade in thin numbers here, so move when the right condition and confirmed costs line up.
    The takeaway

    On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

    Community Details at a Glance

    The Homes

    Type

    Established single-family resale community

    Era

    Built roughly 2002 to 2005, per local real estate sources

    Size range

    About 1,690 to 2,880 sq ft, per local real estate sources; verify square footage on the specific parcel record

    Bedrooms

    Typically 3 to 5, varies by home; verify by address

    Costs & Fees

    HOA

    Yes, a homeowners association applies; local real estate sources cite modest monthly dues, not independently confirmed in this fast pass, verify with the association

    CDD

    No Community Development District was identified for this community; confirm on the Clay County Property Appraiser's tax record

    Property use

    Primary residences and resales

    Amenities

    Marketed

    No verified community-specific recreational amenities in this fast pass

    Status

    Confirm any shared amenities and access with the association

    Location

    Area

    Orange Park, Clay County, ZIP 32073

    Downtown Jacksonville

    About 20 to 25 min (approximate)

    Naval Air Station Jacksonville

    About 15 to 20 min (approximate)

    The takeaway

    Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

    The Entry

    At the entry tier you are generally looking at the smaller, original-condition homes in the neighborhood, where the value is in the price point and any renovation upside. Confirm system age and condition before you offer.

    Lowest entry
    The Core

    In the core of the market you find mid-sized, updated resale homes with refreshed kitchens and baths, representing the typical move-in option here.

    Most inventory
    The Top

    At the top are the largest homes in the neighborhood, generally on the more desirable lots. Confirm the exact size, condition, and lot position on the specific home.

    Strongest resale

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    The Entry
    At the entry tier you are generally looking at the smaller, original-condition homes in the neighborhood, where the value is in the price point and any renovation upside. Confirm system age and condition before you offer.
    The Core
    In the core of the market you find mid-sized, updated resale homes with refreshed kitchens and baths, representing the typical move-in option here.
    The Top
    At the top are the largest homes in the neighborhood, generally on the more desirable lots. Confirm the exact size, condition, and lot position on the specific home.

    Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

    15-Second Take
    • Renovation math decides the deal
    • Better lots and views resell strongest
    • Roof and HVAC age drive the insurance quote
    • Interior lots are where buyers overpay
    Jon Brooks, Momentum Realty
    Operator Note

    Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

    Home conditionVaries by home
    Roof and systems ageVerify age
    HOA clarityConfirm in writing
    Renovation upsideModerate
    Location within Orange ParkEstablished area

    Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

    Jon Brooks, Momentum Realty
    Operator Note

    The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

    5 Mistakes Buyers Make in Cutters Point

    15-Second Take
    • Calling the listing agent (who works for the seller)
    • Misjudging the renovation budget
    • Overpaying for an interior lot
    • Underbudgeting the carrying costs
    • Skipping the roof, HVAC, and systems check

    The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

    The value here is not a builder price sheet, it is confirming exactly what you are buying: the right home and the right carrying costs.

    Jon Brooks · Founder, Momentum Realty
    5.8B- · Buy Score
    Resale Strength5.6/10
    Renovation Risk5.8/10
    Location Efficiency6.2/10
    Long-Term Defensibility5.4/10
    Carrying Cost Advantage5.8/10

    Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

    Why our read on Cutters Point is different.

    Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

    Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
    Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

    Which Lots & Views Hold Value Best

    Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

    Value ($/sqft)
    $261 value$401 premium
    Lake / waterPreserveInterior

    Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

    15-Second Take
    • Every home here is a resale; condition varies more than in a builder community.
    • Roof and systems age varies across a neighborhood built between 2002 and 2005.
    • Interior lots away from through streets tend to hold more appeal.
    • Confirm any CDD assessment on the parcel's Clay County tax record.
    • A thorough inspection is the main way to price in the age of an established home.

    In a built-out, single-family resale neighborhood like Cutters Point, the durable differences between homes are condition, updates, and lot position rather than plan selection. Interior lots tend to hold more appeal, while systems age, given a build window of roughly 2002 to 2005, varies enough between homes that a thorough inspection is the main way to price in deferred maintenance. Confirm any CDD status and the exact HOA dues on the specific parcel before you commit to a purchase.

    Cutters Point in 15 seconds.

    Best forBuyers who want an established, single-family resale in Orange Park.
    Biggest advantageA built-out Orange Park location with a manageable commute toward Naval Air Station Jacksonville and downtown Jacksonville.
    Biggest riskOlder-home condition issues and confirming HOA terms directly rather than assuming an amenity package.
    Sweet spotA well-maintained resale with documented HOA dues and recent system updates.
    Avoid ifYou need new construction or cannot budget for an older home's inspection findings.

    HOA, CDD & Fees

    15-Second Take
    • HOA applies; local sources cite modest monthly dues, verify the exact figure with the association.
    • No CDD was identified, but confirm it on the parcel's Clay County tax record.
    • No verified recreational amenity package; confirm with the association what dues actually cover.
    • No golf or private club membership is included with a home here.
    • Budget for a bindable Florida homeowners insurance quote before you buy.

    Cutters Point carries its own homeowners association. Local real estate sources cite modest monthly dues, which were not independently confirmed in this fast pass; confirm the exact figure and what it covers directly with the association.

    Confirm in writing exactly what Cutters Point's HOA dues cover, since no distinct recreational amenity package was verified for this community in this fast pass.

    No golf course or private club membership is included with a Cutters Point home.

    The takeaway

    Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

    Momentum listings (YTD)
    97.98%
    Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
    Market average (YTD)
    96.73%
    The broader metro average sold-to-list ratio over the same period.
    Momentum days on market
    64 days
    Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
    Market days on market
    72 days
    The broader metro median over the same period.

    Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

    In Cutters Point, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Cedar Bend, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

    What is your Cutters Point home worth?

    Get a no-obligation home value based on real comparable sales in Cutters Point matched to your condition, lot, and view, 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 Cutters Point on the map →

    Real comps, not an automated estimate.

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in Cutters Point year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

    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.

    $1,806/mo
    Clay County typical true cost to own
    $99/mo
    Clay County typical home insurance
    Check CDD
    Confirm before you offer

    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.

    Live market metrics for Cutters Point are being compiled from realMLS activity and will appear here as listings and sales post. For current county-level figures, see the market data links below.

    Market metrics only; these describe homes for sale and recent sales, not residents.

    Frequently Asked Questions

    Is Cutters Point a new-construction community?
    No. It is an established, single-family resale neighborhood in Orange Park, Clay County, built roughly between 2002 and 2005.
    What kind of homes are in Cutters Point?
    Local real estate sources describe single-family homes generally running about 1,690 to 2,880 square feet, typically 3 to 5 bedrooms. Verify the exact size and bedroom count on the specific parcel.
    Is there an HOA?
    Yes. Cutters Point has its own homeowners association. Local sources cite modest monthly dues, not independently confirmed in this fast pass; confirm directly with the association before you rely on it.
    Is there a CDD bond on the taxes?
    No Community Development District was identified for this community in this fast pass. Confirm CDD status on the specific parcel's tax record with the Clay County Property Appraiser before you rely on it.
    What should I check before buying an older home here?
    Focus on roof age, plumbing, electrical, and HVAC, since systems age varies across homes built between 2002 and 2005. Get a thorough inspection and budget for updates where needed.
    What amenities does the community have?
    No distinct recreational amenity package was verified for this community in this fast pass. Confirm exactly what the HOA dues cover directly with the association before you rely on general marketing.
    What schools serve the area?
    It is in the Clay County District Schools, with Orange Park High School serving the area at the high-school level. The zoned elementary and middle schools should be verified by the specific address, since attendance zones change.
    How is the commute to Jacksonville or Naval Air Station Jacksonville?
    Cutters Point sits in Orange Park, giving a manageable commute toward Naval Air Station Jacksonville and, further north, downtown Jacksonville. Other drive times on this page are approximate estimates.
    How far is the airport?
    Jacksonville International Airport is roughly a 35 to 45 minute approximate drive from Orange Park.
    Is Cutters Point gated or age-restricted?
    There is no verified information that the neighborhood is gated, and it is not marketed as age-restricted or 55 plus.
    What is the biggest risk of buying here?
    Underestimating an older home's condition, or assuming a recreational amenity package that is not verified for this community. Both are manageable with direct verification.
    Should I get my own agent to buy a resale here?
    Yes. An experienced agent helps you confirm HOA terms, condition, and price against genuinely comparable sales, and represents your interests in the negotiation.
    How current is the market data on this page?
    This page will fill in with live realMLS data as sales in the neighborhood accrue. Until then, treat market figures as thin, and always confirm price and condition against genuinely comparable homes before you make an offer.
    Who is the best real estate agent for Cutters Point?
    The best agent for Cutters Point is one who actively works Orange Park and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Cutters Point.
    How do I find a top Orange Park real estate agent who knows Cutters Point?
    Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cutters Point and the wider Orange Park area.
    Can Momentum Realty connect me with an agent for Cutters Point?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cutters Point purchase or sale - no call center and no pressure.
    You want an established, single-family resale in Orange Park.Excellent fit
    You commute toward Naval Air Station Jacksonville or downtown Jacksonville and value a Clay County location.Excellent fit
    You are willing to directly verify HOA dues and home condition before you buy.Excellent fit
    You can budget for inspection findings typical of homes built between 2002 and 2005.Excellent fit
    You need a brand-new home with a builder warranty.Probably not
    You require a confirmed recreational amenity package such as a pool or clubhouse.Probably not
    You are not willing to verify HOA dues or home condition directly.Probably not
    You cannot budget for older-home inspection findings or Florida insurance costs.Probably not

    Get the inside read on Cutters Point

    Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cutters Point home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

    We respond personally, usually the same day.

    You are all set.

    A Momentum Realty Cutters Point specialist will reach out personally, usually the same day.

    Median sale price in Cutters Point, Florida by year (2012 to 2026). Source: Momentum Realty.
    Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

    Zoom out before you decide: see the Clay County market guide or every community in the Neighborhood Finder.

    Get my Clay County cash offer →

    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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