Spencers Crossing
Homes for Sale in Orange Park, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Spencers Crossing is a compact, established community in Orange Park built out between 1993 and 1998, with a median home size of 1,805 square feet across its 263 homes. That consistent, single-era construction is what anchors pricing here: the median sale price sits at $265,000, working out to roughly $155.50 per square foot, and condition and updates within that narrow build-year band do more to move a price than any single feature.
Right now the community is trading in balanced territory: 3.0 months of supply, a median of 9 days on market, and only 2 active listings. That combination of quick turnover and thin selection means priced-right listings are not sitting, but buyers have very little to choose from at any given moment. Prices are down 10.2% year over year even as the community remains up 143.0% since 2012, so sellers should price to the current window rather than to longer-term appreciation, and buyers negotiating on a stale comp should ask what has actually closed recently.
Spencers Crossing right now
🟡 Balanced market. 3.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of August 5, 2026. Confidence: Medium (2 active and pending listings, 8 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($262K) is down 11.0% from the prior 12 months ($295K) and up 134% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending August 5. Confidence: Medium (8 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 5, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Spencers Crossing market snapshot (as of August 5, 2026): the median sale price is about $262K ($156 per sq ft over the trailing 12 months of closed sales), a median 8 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is down 11% from the prior 12 months and up 134% since 2012, computed from record-level realMLS closed sales (8 closings in the current window).
Spencers Crossing is a community of 263 homes in Orange Park, Clay County, built between 1993 and 1998 (median 1995), with a median living area of about 1,805 square feet. 64% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Spencers Crossing pairs a self-contained, amenity-heavy layout (clubhouse, fitness center, tennis and basketball courts, pool, playground) with a housing stock old enough to have settled pricing, all built within the single 1993-1998 window.
The setting & the homes.
Aerial and on-site photos of Spencers Crossing. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Spencers CrossingPhotos from realMLS listings in Spencers Crossing; content deemed reliable but not guaranteed.
Who Spencers Crossing is best for.
Best for
- Buyers targeting a purchase price near the community median of $265,000 who want amenities (pool, fitness center, tennis and basketball courts) already in place.
- Buyers comfortable with a 1990s-built home (1993-1998) around 1,805 square feet rather than new construction.
- Sellers who want to move within the current balanced market, where a 9-day median days-on-market rewards accurate pricing.
Probably not for
- Buyers who need a wide selection to compare, given only 2 active listings at any given time.
- Buyers set on new construction, since every home in Spencers Crossing was built between 1993 and 1998.
- Sellers expecting last year's pricing: the community is down 10.2% year over year even with its longer-term 143.0% gain since 2012.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 5 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($262K) IS the median in the snapshot above, and the move from 2025 ($295K) IS the -11.0% one-year change.
Windows contain 5 to 16 sales each (8 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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.
Spencers Crossing Market Scorecard
Spencers Crossing is currently a seller's market. About 2.7 months of supply, a median asking price of $324,200, and homes go under contract in about 70 days.
Typical home value in the 32073 ZIP is $303,043, about 20.4% 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.
Housing distress & ownership in Spencers Crossing, Orange Park
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.
Homes For Sale Right Now in Spencers Crossing
Live MLS inventory for Spencers Crossing. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Spencers Crossing listings as of 2026-08-05, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Spencers Crossing on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Spencers Crossing
- Management - Off Site · reported on 1 of 2 listings
- Basketball Court · reported on 1 of 2 listings
- Clubhouse · reported on 1 of 2 listings
- Fitness Center · reported on 1 of 2 listings
- Jogging Path · reported on 1 of 2 listings
- Playground · reported on 1 of 2 listings
- Tennis Court(s) · reported on 1 of 2 listings
- Children's Pool · reported on 1 of 2 listings
- Pool · reported on 1 of 2 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Spencers Crossing are close: the nearest groceries is about 6 minutes away.
- Blue Rhino Propane Exchange · Groceries6 min
- Fast Wok · Dining6 min
- Chimney Lakes Gazebo Park · Parks8 min
- Dutch Bros. Coffee · Coffee9 min
- Octapharma Plasma · Health19 min
- Ops Inc · Shopping24 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Clay County School District · Verify exact-address zoning
Zoned schools reflect the assignments reported on recent Spencers Crossing listings 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 Spencers Crossing address.
The Spencers Crossing buying strategy.
If we were buying in Spencers 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 Spencers Crossing.
A small, amenity-dense community in a tight-supply window
With only 263 homes total and 2 currently active, Spencers Crossing is a market where a single listing can noticeably shift the available inventory. The market heat score of 59 reflects that balance: not a frenzy, but not a buyer's market either, with a 9-day median days-on-market suggesting that well-priced homes clear quickly rather than lingering.
The homestead share of 63.9% is worth noting for anyone evaluating turnover expectations: a majority of homes here are owner-occupied under the homestead exemption, which tends to correlate with longer average hold periods and fewer investor-driven or short-hold resales. Combined with the narrow 1993-1998 build-year range and 1,805-square-foot median size, this reads as a stable, mature stock rather than a fast-flipping one.
The location and the amenities are priced into every listing in Spencers Crossing. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Spencers Crossing buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (6.8). Basis: Long-Term Appreciation +134% since 2012; Recent Direction -11.0% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 64% owner-occupied; Pricing Power 98.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
A community with only 2 active listings and a median of 9 closings in the reporting window does not give you much room for pricing error in either direction. We track Spencers Crossing against its own recent closings rather than areawide averages, so sellers price to what has actually moved at a $155.50-per-square-foot level and buyers know when an asking price is drifting from the community's real, current trend rather than its 2012-to-now trajectory.
Spencers Crossing in 15 seconds.
HOA, CDD & Fees
- No CDD
- 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.
Page states no CDD.
Tools for a Spencers 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 Spencers Crossing sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencers 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 Spencers Crossing home worth?
Get a no-obligation home value based on real comparable sales in Spencers 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 homes for sale in Spencers Crossing on the map →
Frequently Asked Questions
What is the median home price in Spencers Crossing?
How long do homes in Spencers Crossing take to sell?
Is Spencers Crossing a buyer's or seller's market right now?
How many homes are in Spencers Crossing?
What share of Spencers Crossing is owner-occupied?
When were the homes in Spencers Crossing built?
Do cash buyers compete in Spencers Crossing?
Have Spencers Crossing home prices gone up?
What schools serve Spencers Crossing?
Who is the best real estate agent for Spencers Crossing?
How do I find a top Orange Park real estate agent who knows Spencers Crossing?
Can Momentum Realty connect me with an agent for Spencers Crossing?
Should you buy in Spencers Crossing?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Spencers Crossing with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: August 5, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending August 5, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | realMLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (253 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.
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