Spencer Crossing
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 3 closed sales in Spencer Crossing in Jacksonville, FL since 2016, the most recent in November 2016. Across Jacksonville as a whole, 8,811 homes closed in the last 12 months at a median of $310,000, 44 median days on market, with 2,375 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,540 ($4,800 with the full homestead exemption).
The 60-Second Overview
Spencer Crossing is a residential community in Jacksonville, within Duval County. This snapshot does not include current pricing or market-activity figures, so the notes below stay at the level of location and general posture until fresh numbers are in hand.
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 Spencer Crossing is best for.
Best for
- Buyers who want a specific Duval County location and are prepared to underwrite each home on its own current comparables
- Buyers who plan to visit in person and weigh condition and lot before committing to a price
- Owners considering a sale who want a live, feed-based read rather than an automated estimate
Probably not for
- Buyers who need a confirmed price range before they'll engage a community at all
- Buyers relying on an instant online valuation to make the call
- Anyone who wants a guarantee on future value or appreciation
The market around Spencer Crossing
Spencer Crossing is too small for its own price trend, so here is the market around it.
In ZIP 32244, 314 homes are on the market and 28% are under contract — a steady corner of Jacksonville.
Across Duval County, 3,938 homes are active and 1,658 pending (30% under contract).
ZIP and county figures describe the wider market, not Spencer Crossing specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Spencer Crossing, Jacksonville
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The Spencer Crossing buying strategy.
If we were buying in Spencer Crossing 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 Spencer Crossing.
The location and the amenities are priced into every listing in Spencer Crossing. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We track Spencer Crossing off the realMLS feed and won't quote you a median, a days-on-market, or a trend line we can't stand behind. When you're ready to move on a specific home here, we'll pull the live comparables for this community and tell you plainly how the current market reads for a buyer or a seller. Until those numbers are current, we'd rather give you nothing than give you a figure we made up.
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 Spencer Crossing 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 Spencer Crossing sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencer Crossing, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Spencer Crossing home worth?
Get a no-obligation home value based on real comparable sales in Spencer Crossing, 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 Jacksonville →
Should you buy in Spencer Crossing?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Spencer Crossing with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2016 (3 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 Spencer Crossing 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 Duval 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 · Duval 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.
Spencer Crossing Market Scorecard
Spencer Crossing is currently a thin data market. Limited supply, a median asking price of n/a.
Go deeper: true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.