Pebble Creek
at Oak Leaf Homes for Sale in Orange Park, FL

Established OakLeaf Plantation resale market · Orange Park · ZIP 32065

An established single-family neighborhood inside OakLeaf Plantation in Orange Park, with shared access to the master community's pools, fitness centers, and courts, near the First Coast Expressway in Clay County.

Established resaleOrange Park, Clay CountyBuilt circa 2004 to 2007

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a settled resale neighborhood inside a larger master-planned community, not a new-construction release. Inventory is limited and individual, so condition, updates, and lot drive value more than a single headline number. Verify specifics by address.

Free · No obligation

Unlock Off-Market Pebble Creek

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's Current Read

"Pebble Creek at Oak Leaf is a resale play on one of the earlier-built neighborhoods inside OakLeaf Plantation, a large master-planned community in Orange Park. The value driver is the individual home, since these homes were built in a fairly narrow window in the mid-2000s and the differentiator is condition, updates, and lot rather than a builder price sheet. The draw is shared access to OakLeaf's amenity set, pools, fitness centers, and sport courts, so confirm current CDD assessments, HOA dues, and amenity condition before you underwrite it. Watch the First Coast Expressway corridor nearby, which has brought new retail and continued growth to the wider OakLeaf area."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Pebble Creek at Oak Leaf is an established, single-family neighborhood inside OakLeaf Plantation, a large master-planned community in Orange Park, in Clay County. Homes here were generally built in the mid-2000s, roughly 2004 to 2007, and run modest to midsize, roughly 1,300 to 2,000 square feet with 3 to 4 bedrooms.

Because these are resale homes rather than new construction, each one trades on its own condition, updates, and lot rather than on a current builder price sheet. As part of OakLeaf Plantation, residents share access to the master community's amenities, marketed to include pools, fitness centers, tennis and basketball courts, a soccer field, playgrounds, and walking trails, maintained through the neighborhood's homeowners association and the OakLeaf Community Development District structure.

The bigger picture is location. OakLeaf Plantation sits in the northwest part of Clay County along the First Coast Expressway (State Road 23), which now runs through the community and has brought new retail, including a Walmart Supercenter and a Home Depot, to the OakLeaf Plantation Parkway area. That connectivity has supported continued growth in Orange Park and the wider OakLeaf area, which is worth weighing alongside the neighborhood's own resale fundamentals.

Quick Match

Who Pebble Creek is best for.

Best for

Buyers who want an established, HOA and CDD-governed single-family home inside OakLeaf Plantation
Buyers comfortable with a resale home built in the mid-2000s that may need updating
Buyers who value shared access to OakLeaf's pools, fitness centers, and sport courts, if well maintained

Probably not for

Buyers who need new construction with a builder warranty and modern systems
Anyone who wants a gated, golf, or luxury amenity package
Buyers unwilling to verify current CDD assessments, HOA dues, and the age of roof and systems on an 18-plus-year-old home

Market Pulse

How Pebble Creek 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

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Live market metrics for Pebble Creek at Oak Leaf 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 Pebble Creek listings and the trailing twelve months of closed sales.

Where prices are goingn/a2026 YTD

Median sale price by year. Tap a label to compare Highland Mill or Orange Park. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square footn/a2026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Pebble Creek at Oak Leaf buys, holds, and resells. See the five factors.

Interactive Map

Pebble Creek on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

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.

Nearby & Commute

How far is everything?

The takeaway

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

Drive times from Pebble Creek. They are approximate and vary with traffic and your exact start point.

OakLeaf Plantation Parkway retail (Walmart, Home Depot)5 to 10 min · approximate

NAS Jacksonville20 to 25 min · approximate

Downtown Jacksonville30 to 35 min · approximate, via I-295

I-295 access15 to 20 min · approximate

Orange Park Mall15 to 20 min · approximate, via Blanding Boulevard

First Coast Expressway (SR 23)5 min or less · runs through OakLeaf Plantation (sourced)

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 Pebble Creekat Oak Leaf Homes for Sale in Orange Park, FL with Momentum Realty’s local guides.

CRChestnut Ridge Homes for Sale in Orange Park, FLOrange Park, FL · 0.1 mi WHWhitfield Homes for Sale in Orange Park, FLOrange Park, FL · 0.5 mi

Jennings Point Homes for Sale in Orange Park, FLOrange Park, FL · 0.7 mi THTimberfield Homes for Sale in Orange Park, FLOrange Park, FL · 0.8 mi

Cannon's Point at Oakleaf Plantation Homes for Sale in Orange Park, FLOrange Park, FL · 1.0 mi OPOakleaf Plantation Homes for Sale in Jacksonville, FLJacksonville, FL · 1.1 mi BOBriar Oaks Townhomes in Oakleaf, FLOakleaf, FL · 1.1 mi WRWaterford Ranch at Oakleaf Homes for Sale in Orange Park, FLOrange Park, FL · 1.2 mi NHNaturesHammock Homes for Sale in Orange Park, FLOrange Park, FL · 1.3 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

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

Typical CDD community~$2,500/yr

Pebble Creek (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

Pebble Creek 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

Oakleaf High School (Clay County District Schools); verify by address

Middle

Oakleaf Junior High (verify by address)

Elementary

Oakleaf Village Elementary School or your address-zoned elementary (verify by address)

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

The takeaway

The story here is corridor growth. The First Coast Expressway (State Road 23) now runs through OakLeaf Plantation, and the corridor has brought new retail and continued residential growth to the wider Orange Park area.

Recent Developments in Pebble Creek at Oak Leaf

Development Intelligence

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

Net OutlookBullishNet stable for an established, built-out neighborhood, with a modest upside from expressway connectivity and retail growth, and a modest headwind from rising Florida insurance costs and aging-home maintenance.

First Coast Expressway reaches OakLeaf Plantation

2025 to 2026

BullishMajor impact

SignificanceRadius: Corridor

The First Coast Expressway (State Road 23) extended through Clay County in phases, with segments opening in 2025 and 2026, and the route runs directly through OakLeaf Plantation. The connectivity has drawn new retail, including a Walmart Supercenter and a Home Depot near OakLeaf Plantation Parkway. Source: News4Jax and Jax Daily Record, 2025 to 2026.

OakLeaf area retail and industrial growth

2026

BullishNotable impact

SignificanceRadius: Community

Clay County officials point to the expressway as reshaping where the county builds, with new retail centers and industrial parks planned nearby. More amenities and jobs are a plus for residents, though it also means more traffic and construction activity nearby. Source: Jax Daily Record, June 2026.

Clay County growth supports demand

Evergreen

BullishNotable impact

SignificanceRadius: County

Clay County has been one of the faster-growing counties in the Jacksonville metro area in recent years, which tends to support demand for established, moderately priced neighborhoods like this one inside OakLeaf Plantation. Confirm current figures with county sources if this matters to your decision.

Aging systems on mid-2000s homes

Evergreen

NeutralNotable impact

SignificanceRadius: Community

Homes here were generally built roughly 2004 to 2007, so roof, HVAC, water heater, and other major systems are old enough that age and condition vary meaningfully home to home. Budget for updates and get a thorough inspection.

CDD and HOA layering

Evergreen

NeutralMinor impact

SignificanceRadius: Community

OakLeaf Plantation carries more than one layer of assessment, a neighborhood-level HOA plus an OakLeaf Community Development District charge. Confirm the exact combined cost on the specific parcel before you buy.

Florida homeowners insurance cost

Evergreen

NeutralMinor impact

SignificanceRadius: Region

Florida homeowners insurance premiums have risen broadly in recent years. Roof age and condition affect insurability and cost, so get a bindable quote for the exact home before you commit.

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 Pebble Creek at Oak Leaf, 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 ↓

June 2026
Infrastructure
First Coast Expressway segment opens near Green Cove Springs
The final segment of the expressway's second phase in Clay County opened June 29, 2026, extending the route further through the county. Why it matters: Continued build-out of the expressway that already runs through OakLeaf Plantation, reinforcing the corridor's growth trajectory. Source

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 Strategy

The Pebble Creek buying strategy.

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

Pull the specific parcel's record with the Clay County Property Appraiser to confirm year built, square footage, and any recorded deed restrictions.

Get the current combined cost in writing: the neighborhood HOA dues plus any OakLeaf Community Development District assessment on the specific parcel.

Get a thorough inspection focused on roof age, HVAC, plumbing, and electrical, since homes here are now roughly 18 to 22 years old.

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

Get a bindable homeowners insurance quote for the specific home before you make an offer, given broader Florida insurance cost trends.

The Quick Decision

Best Buy

A well-maintained or thoughtfully updated home with a sound roof and systems, priced fairly against genuinely comparable OakLeaf resales.

Biggest Risk

Underestimating the combined HOA and CDD cost, or the cost of an aging roof or systems.

Best Lot

Prioritize a quieter, well-positioned lot; check proximity to the First Coast Expressway and OakLeaf Plantation Parkway retail traffic.

Smart Timing

Resale-driven. Inventory is thin and individual, so move when the right home condition and price appear.

Deep-Dive Intelligence

The full read, only if you want it.

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

Era

Built roughly 2004 to 2007

Size

Modest to midsize homes, roughly 1,300 to 2,000 sq ft

Lots

Standard subdivision lots inside OakLeaf Plantation

Costs & Fees

HOA

Yes, mandatory neighborhood HOA plus OakLeaf Plantation assessment

CDD

Yes, an OakLeaf Plantation CDD assessment applies; confirm district and amount on the parcel tax record

Property use

Primary residences

Amenities

Shared OakLeaf Plantation

Pools, fitness centers, tennis and basketball courts, soccer field, playgrounds, walking trails

Status

Maintained through the HOA and CDD structure; verify current access and condition

Location

Area

Orange Park, Clay County, inside OakLeaf Plantation near the First Coast Expressway

Downtown Jacksonville

About 30 to 35 min (approximate)

NAS Jacksonville

About 20 to 25 min (approximate)

Pebble Creek Homes For Sale

What your money buys in Pebble Creek.

The takeaway

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

Here are the broad resale bands in Pebble Creek today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry

At the entry tier you are generally looking at original-condition homes that have not been substantially updated, where the value is in the bones and the update potential. Budget for roof, systems, and cosmetic refresh.

Lowest entry

The Core

In the core of the market you find updated single-story homes with refreshed kitchens, baths, and mechanicals on standard subdivision lots. This is the typical move-in resale in the neighborhood.

Most inventory

The Top

At the top are the more fully renovated or larger homes on the neighborhood's better-positioned lots. Confirm the exact condition, square footage, and any updates on the specific parcel.

Strongest resale

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

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry

The Core

In the core of the market you find updated single-story homes with refreshed kitchens, baths, and mechanicals on standard subdivision lots. This is the typical move-in resale in the neighborhood.

The Top

At the top are the more fully renovated or larger homes on the neighborhood's better-positioned lots. Confirm the exact condition, square footage, and any updates on the specific parcel.

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

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Pebble Creek, condition, lot, and the renovation math, read from current listings and recent sales.

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

Proprietary Data

The renovation premium.

Renovated-listing inventory in Pebble Creek is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

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.

Resale Strength Scorecard

How well Pebble Creek holds value.

Our read on the factors that protect resale here, and the one to manage.

Home conditionVaries by home

Roof and systems ageVerify age

Renovation upsideModerate on original homes

Lot and landscapingMaturing since mid-2000s

HOA and CDD amenity upkeepVerify current condition

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

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 Pebble Creek

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.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The value here is not a builder price sheet, it is the individual home: its condition, its updates, and its shared OakLeaf amenities.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

6.3C+ · Buy Score

Resale Strength6.0/10

Renovation Risk6.0/10

Location Efficiency6.6/10

Long-Term Defensibility5.8/10

Carrying Cost Advantage6.0/10

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.

Momentum Housing Intelligence

Why our read on Pebble Creek 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.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

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

Lots are standard OakLeaf Plantation subdivision size with landscaping maturing since the mid-2000s.
Home condition and updates are the durable differentiators here, not lot size.
Interior, quieter lots away from OakLeaf Plantation Parkway traffic tend to hold appeal.
Check proximity to the First Coast Expressway and nearby retail traffic.
Verify OakLeaf amenity proximity as a factor, since access to pools and courts varies by location within the master community.

In a built-out, single-generation neighborhood like this one, the homes are all roughly the same age, so the durable difference between two properties is the condition of the individual home and, secondarily, the lot. Quieter interior lots away from through-traffic and closer to OakLeaf Plantation's shared pools and courts tend to hold appeal, while homes on busier streets or in need of deferred maintenance tend to lag. Treat the roof, HVAC, and system age as part of your value math alongside the lot itself.

The 15-Second Verdict

Pebble Creek in 15 seconds.

Best forBuyers who want an established, HOA and CDD-governed single-family home inside OakLeaf Plantation.

Biggest advantageShared access to OakLeaf Plantation's pools, fitness centers, and sport courts, plus First Coast Expressway connectivity.

Biggest riskAging-home costs (roof, HVAC, systems) on an 18-plus-year-old resale, plus combined HOA and CDD assessments.

Sweet spotA well-maintained or updated home with sound systems, priced with room for any needed work.

Avoid ifYou need new construction, modern systems, or a gated or golf amenity package.

HOA, CDD & Fees

15-Second Take

HOA is mandatory, and an OakLeaf CDD assessment also applies; get both current amounts in writing.
Confirm which OakLeaf CDD, Double Branch or Middle Village, applies to the specific parcel.
Amenities are OakLeaf Plantation's pools, fitness centers, sport courts, and trails, shared across the master community.
Verify current amenity condition and access before you rely on them.
Budget for Florida homeowners insurance as a real, address-specific cost.

Pebble Creek at Oak Leaf sits inside OakLeaf Plantation, so homeowners generally pay a neighborhood-level HOA assessment on top of the OakLeaf Community Development District charge. A current combined dues amount is not published here; confirm the exact figures and what each covers with the association, the CDD, or the management company before you buy.

Confirm in writing, but assessments in a community like this generally fund common-area upkeep plus the OakLeaf Plantation amenities, marketed as pools, fitness centers, tennis and basketball courts, a soccer field, playgrounds, and walking trails. Verify current condition and access rules for each amenity.

There is no golf course or private country club here. Recreation is the OakLeaf Plantation amenity set, shared across the master community.

Run Your Numbers

Tools for a Pebble Creek buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxClay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Pebble Creek.Save Our HomesProject your homestead tax cap over time.

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.

Selling in Pebble Creek

Thinking of selling a Pebble Creek at Oak Leaf home?

Selling an established, mid-2000s home inside a large master-planned community takes a real strategy, not an automated estimate. We will show you the honest math on how condition, updates, and OakLeaf amenities position your home against what is actually selling nearby.

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 Pebble Creek, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Highland Mill, 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 Pebble Creek home worth?

Get a no-obligation home value based on real comparable sales in Pebble Creek 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 Pebble Creek at Oak Leaf on the map →

Real comps, not an automated estimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Pebble Creek at Oak Leaf 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

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.

Live market metrics for Pebble Creek at Oak Leaf 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 Pebble Creek at Oak Leaf a new-construction community?

No. It is an established neighborhood inside OakLeaf Plantation, generally built roughly 2004 to 2007. Homes here are resales, not new builds.

What kind of homes are in Pebble Creek at Oak Leaf?

Modest to midsize single-family homes, roughly 1,300 to 2,000 square feet with 3 to 4 bedrooms, on standard subdivision lots. Condition ranges from original to updated, so each home should be judged on its own.

Is there an HOA?

Yes. Homes here fall under a neighborhood-level homeowners association in addition to the OakLeaf Community Development District structure. Confirm the current combined dues and assessment amounts with the association, the CDD, or the management company before you buy.

Is there a CDD bond on the taxes?

Yes. OakLeaf Plantation is served by the Double Branch and Middle Village Community Development Districts. Confirm which district applies to the specific parcel and the current assessment amount with the Clay County Property Appraiser.

What amenities does the community have?

As part of OakLeaf Plantation, residents share access to pools, fitness centers, tennis and basketball courts, a soccer field, playgrounds, and walking trails. Verify current condition and access rules with the association or CDD, since amenity upkeep can change over time.

What should I check before buying an older home here?

Focus on roof age, HVAC, plumbing, and electrical, since homes are now roughly 18 to 22 years old and systems vary widely by home. Get a thorough inspection and budget for updates.

How does Florida insurance cost affect this neighborhood?

Florida homeowners insurance premiums have risen broadly in recent years. Roof age and condition affect insurability and cost, so get a bindable quote for the exact home before you commit.

What schools serve the neighborhood?

It is in Clay County District Schools, with Oakleaf High School and Oakleaf Junior High commonly serving the OakLeaf Plantation area. The zoned elementary, middle, and high schools should be verified by the specific address, since attendance zones can change.

How is the commute to downtown Jacksonville?

OakLeaf Plantation connects to downtown Jacksonville primarily via I-295, roughly a 30 to 35 minute approximate drive depending on the exact location and traffic. Other drive times on this page are approximate estimates.

What is happening with the First Coast Expressway nearby?

The First Coast Expressway (State Road 23) now runs directly through OakLeaf Plantation, with additional segments in Clay County opening in 2025 and 2026. It has brought new retail, including a Walmart Supercenter and a Home Depot, to the OakLeaf Plantation Parkway area.

Is Clay County growing?

Is Pebble Creek at Oak Leaf 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. It is an established, open residential neighborhood inside OakLeaf Plantation.

What is the biggest risk of buying here?

Underestimating the combined HOA and CDD cost, or the cost of an aging roof or systems on an 18-plus-year-old home. Both are manageable with a thorough inspection and direct confirmation from the association and CDD.

Should I get my own agent to buy a resale here?

Yes. In a resale market an experienced agent helps you judge condition, updates, and HOA and CDD status 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 Pebble Creek at Oak Leaf?

The best agent for Pebble Creek at Oak Leaf 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 Pebble Creek at Oak Leaf.

How do I find a top Orange Park real estate agent who knows Pebble Creek at Oak Leaf?

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 Pebble Creek at Oak Leaf and the wider Orange Park area.

Can Momentum Realty connect me with an agent for Pebble Creek at Oak Leaf?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Pebble Creek at Oak Leaf purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Pebble Creek?

An honest fit check. We will tell you when it is not your community.

You want an established, HOA and CDD-governed single-family home inside OakLeaf Plantation.Excellent fit

You are comfortable with a resale home built in the mid-2000s that may need updating.Excellent fit

You value shared access to OakLeaf's pools, fitness centers, and sport courts, if well maintained.Excellent fit

You will do the homework on combined HOA and CDD cost, roof and systems age, and current insurance cost.Excellent fit

You need new construction with a builder warranty and modern systems.Probably not

You want a gated, golf, or luxury amenity community.Probably not

You cannot budget for aging-home updates or confirm combined HOA and CDD cost first.Probably not

You need a large pool of identical new homes for easy price comparison.Probably not

Get the inside read on Pebble Creek

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Pebble Creek 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.

You are all set.

A Momentum Realty Pebble Creek specialist will reach out personally, usually the same day.

Median sale price in Pebble Creek at Oak Leaf, 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.

Pebble Creekat Oak Leaf Homes for Sale in Orange Park, FL

The 60-Second Overview

Who Pebble Creek is best for.

Best for

Probably not for

How Pebble Creek is performing right now

Pebble Creek on the map.

How far is everything?

Nearby Communities

Schools

Oakleaf High School (Clay County District Schools); verify by address

Oakleaf Junior High (verify by address)

Oakleaf Village Elementary School or your address-zoned elementary (verify by address)

Recent Developments in Pebble Creek at Oak Leaf

First Coast Expressway reaches OakLeaf Plantation

OakLeaf area retail and industrial growth

Clay County growth supports demand

Aging systems on mid-2000s homes

CDD and HOA layering

Florida homeowners insurance cost

First Coast Expressway segment opens near Green Cove Springs

The Pebble Creek buying strategy.

The full read, only if you want it.

The Homes

Costs & Fees

Amenities

Location

What your money buys in Pebble Creek.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Pebble Creek holds value.

5 Mistakes Buyers Make in Pebble Creek

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Pebble Creek is different.

Which Lots & Views Hold Value Best

Pebble Creek in 15 seconds.

HOA, CDD & Fees

Tools for a Pebble Creek buy.

Thinking of selling a Pebble Creek at Oak Leaf home?

In Pebble Creek, condition and view decide your number

What is your Pebble Creek home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Frequently Asked Questions

Should you buy in Pebble Creek?

Get the inside read on Pebble Creek

You are all set.

Need to sell fast in Duval County?

You just read the data. Now see what your home is worth.

Pebble Creek
at Oak Leaf Homes for Sale in Orange Park, FL