Spencer Island
Homes for Sale in Orange Park, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of MOXII PRO REALTY · via realMLS
As of September 2026, the MLS records 65 closed sales in Spencer Island in Orange Park, FL since 2003, the most recent in March 2026. Recorded prices since 2024 ran from $344,000 to $425,000 (median $375,000), on homes of 2,236 to 2,901 sq ft. Across Orange Park as a whole, 654 homes closed in the last 12 months at a median of $330,000, 39 median days on market, with 162 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $5,640 ($5,050 with the full homestead exemption).

Spencer Island is a tightly built pocket of 96 homes, all raised between 2002 and 2005 with a median year built of 2003 — a single-era subdivision rather than a mix of old and new construction. Median living space runs large at 2,550.5 square feet, which puts the emphasis on layout and square footage rather than era when evaluating any individual listing here.
Right now there is nothing active on the market and just two closings recorded in the current window, so there isn't much to benchmark against. A homestead share of 66.7% points to a majority owner-occupied base, which historically means fewer distressed or investor-driven listings hitting the market and slower turnover overall.
Nearby homes for sale
No active listings inside Spencer Island right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Spencer Island in Orange Park (Clay County) is a 96-home, single-era community built between 2002 and 2005, with a median year built of 2003, median living space of 2,550.5 square feet, and a homestead share of 66.7% — and no community amenities have been identified from current MLS listings.
realMLS (Northeast Florida) sales records identify 31 homes in Spencer Island that have changed hands since 2003, built between 2002 and 2005 (median 2003), with a median living area of about 2,674 sq ft and a typical 4-bedroom, 2.5-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
The setting & the homes.
Aerial and on-site photos of Spencer Island. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from realMLS listings in Spencer Island; content deemed reliable but not guaranteed.
Who Spencer Island is best for.
Best for
- Buyers who found a specific listing here and want it evaluated against the community's build era and size profile rather than a broad market search.
- Buyers comfortable waiting for something to come available, given there are currently zero active listings.
- Buyers prioritizing larger interior square footage (median 2,550.5 sqft) in a single-era build over a wide range of home vintages.
Probably not for
- Buyers who want to tour multiple active listings side by side before deciding — there is currently nothing on the market here.
- Buyers relying on confirmed community amenities like a pool or clubhouse — none have been identified from current MLS listings.
- Buyers who want a mixed-vintage street with homes from several different decades of construction.
The market around Spencer Island
Spencer Island is too small for its own price trend, so here is the market around it.
In ZIP 32073, 195 homes are on the market and 27% are under contract — a steady corner of Orange Park.
Across Clay County, 1,286 homes are active and 456 pending (26% under contract).
In ZIP 32073 (Orange Park), 989 homes closed in the last 12 months at a median of $300K ($172/sq ft), down 2.8% year over year, with a median 36 days on market. Right now 191 active and 82 pending listings put supply at about 3.2 months — a balanced market. See the live ZIP 32073 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Spencer Island specifically. Momentum Research analysis of MLS records.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Orange Park High School (Clay County District Schools)FLDOE grade B · High
- Orange Park Junior High School or your address-zoned middle school (verify by address) · Middle
- Orange Park Elementary School or your address-zoned elementary (verify by address) · Elementary
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Spencer Island address.
The Spencer Island buying strategy.
If we were buying in Spencer Island 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 Island.
A single-era pocket with almost no visible inventory
With all 96 homes built inside a 2002-to-2005 window and a median year built of 2003, Spencer Island reads as a cohesive, single-phase subdivision rather than an infill mix of eras. Median living space of 2,550.5 square feet suggests the floor plans run on the larger side, which matters more to value here than build year alone once a home is inside that narrow construction window.
The current snapshot shows zero active listings and only two closings in the window tracked, which is a thin enough sample that it should be read as a supply story more than a demand one. Homestead share sits at 66.7%, a majority owner-occupied signal, and no community amenities have been identified from current MLS listings — so any clubhouse, pool, or shared-feature claims for this address should be verified directly rather than assumed.
The location and the amenities are priced into every listing in Spencer Island. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With zero active listings and only two closings in the tracked window, Spencer Island doesn't generate much public data to work from — getting a real read on it takes someone checking the MLS directly and following up on off-market activity rather than relying on a portal search that will come back nearly empty.
Spencer Island in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $21/month (about $252/yr) · median of 4 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $21 per month ($252 a year) — the median AssociationFee across 4 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Island 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 Island sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencer Island, 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 Island home worth?
Get a no-obligation home value based on real comparable sales in Spencer Island, 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 Orange Park →
Recently off market in Spencer Island
Homes in Spencer Island that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 2 on record.
- 2335 Watermill Drive · off market
- 2395 Watermill Drive · off market
Spencer Island Market Scorecard
Spencer Island is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 32073 ZIP is $301,219, about 20.6% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · 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.
Frequently Asked Questions
How many homes are in Spencer Island?
What share of Spencer Island is owner-occupied?
When were the homes in Spencer Island built?
What schools serve Spencer Island?
Who is the best real estate agent for Spencer Island?
How do I find a top Orange Park real estate agent who knows Spencer Island?
Can Momentum Realty connect me with an agent for Spencer Island?
Should you buy in Spencer Island?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 13, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32073)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2003 (65 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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See how Spencer Island fits the bigger picture — live prices, inventory, and Momentum Scores:
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