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
The setting & the homes.
Aerial and on-site photos of Spencer Island. Swipe to explore the community.
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Spencer Island
Spencer Island
Spencer Island
Spencer Island
Spencer Island
Spencer IslandPhotos from realMLS listings in Spencer Island; content deemed reliable but not guaranteed.
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, 187 homes are on the market and 34% are under contract — a fast-moving corner of Orange Park.
Across Clay County, 1,172 homes are active and 480 pending (29% under contract).
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.
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.
HOA, CDD & Fees
- Mandatory HOA. Confirm current dues
- 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 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 homes for sale in Spencer Island on the map →
Frequently Asked Questions
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?
Nearby Communities
Explore more neighborhoods near Spencer Island with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 20, 2026) |
| Under-contract shares | realMLS records, as of 2026-08-18 |
| 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 your area 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: