Oak Terrace
Homes for Sale in Green Cove Springs, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 2 closed sales in Oak Terrace in Green Cove Springs, FL since 2014, the most recent in September 2018. Across Green Cove Springs as a whole, 786 homes closed in the last 12 months at a median of $357,291, 58 median days on market, with 222 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).
Oak Terrace sits in Green Cove Springs, on the Clay County side of the region, and it trades on the fundamentals that market carries: location relative to the St. Johns River corridor and the commute lines toward Jacksonville. We don't have a current median or day count to publish for this snapshot, so treat any price you hear on a specific listing as condition-driven rather than a neighborhood benchmark.
Practically, that means the spread between a well-kept home and one needing work can be wide, and it will move faster than any headline number. For a buyer, do the comps address by address here. For a seller, price to the condition of your specific home, not to a rumor about what the street is doing.
The 60-Second Overview
Oak Terrace is a Green Cove Springs community in Clay County, positioned for buyers who want the smaller-town side of the Jacksonville metro without giving up reasonable access to it.
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.
Who Oak Terrace is best for.
Best for
- Buyers prioritizing a quieter Clay County location while keeping a Jacksonville commute workable
- Buyers comfortable evaluating a home on its own condition and comps rather than a headline price
- Buyers open to a home needing some work if the underwriting supports it
Probably not for
- Buyers who need a large, active inventory and instant comparables
- Buyers wanting to be in the denser Orange Park side of the county
- Buyers who want a fixed price range signaled before they tour anything
The market around Oak Terrace
Oak Terrace is too small for its own price trend, so here is the market around it.
In ZIP 32043, 549 homes are on the market and 26% are under contract — a steady corner of Green Cove Springs.
Across Clay County, 1,267 homes are active and 451 pending (26% under contract).
ZIP and county figures describe the wider market, not Oak Terrace specifically. Momentum Research analysis of MLS records.
Recent Developments in Oak Terrace
Development, infrastructure, retail, and school activity affecting Oak Terrace, 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 12 miles north of Oak Terrace.
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 6 miles east of Oak Terrace, 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 10 miles east of Oak Terrace.
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 12 miles north of Oak Terrace.
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 Oak Terrace buying strategy.
If we were buying in Oak Terrace 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 Oak Terrace.
Reading Green Cove Springs value
Green Cove Springs is a distinct market from the busier Clay County corridors closer to Orange Park, and that distinction matters when you evaluate Oak Terrace. Value here leans on the home itself — lot, layout, and condition — more than on any premium the address alone commands.
Because we're not publishing a median or a market-speed figure for this snapshot, the honest move is to underwrite each home individually. Look at what's actually selling nearby, factor in condition and any deferred maintenance, and let that drive your number rather than a broad neighborhood average.
The location and the amenities are priced into every listing in Oak Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work Northeast Florida and Clay County specifically, and we'd rather tell you when Oak Terrace isn't the right fit than push a listing. In a market where the data snapshot is thin, that address-by-address underwriting is the whole job — and it's what we bring to a buyer or seller here.
Oak Terrace 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 Oak Terrace 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 Oak Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oak Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oak Terrace home worth?
Get a no-obligation home value based on real comparable sales in Oak Terrace, 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 Oak Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2014 (2 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Oak Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
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.