Spencers Lake Homes for Sale in Orange Park, FL

Established Orange Park resale market · Orange Park · ZIP 32073

An established single-family resale community off Argyle Forest Boulevard in Orange Park, Clay County, built around a community pond, priced for buyers who want a mid-1990s-era resale home with the option of a water-view lot.

Established resaleOrange Park, Clay CountySingle-family homes
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a settled resale community, not a new-construction release. Inventory is individual and limited, so condition, updates, and lot position, especially pond frontage, drive value more than a single headline number. Verify specifics by address.
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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
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Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Spencers Lake is a resale play on a mandatory-HOA, single-family subdivision in Orange Park, off the Argyle Forest Boulevard corridor near Blanding Boulevard. The homeowners association incorporated in 1995, which places the community's build-out in the mid-1990s, so the housing stock is now three decades old and system age is the first thing to check on any parcel. The community is organized around a pond, and homes on streets like Waters View Circle carry a water-view premium that does not exist on interior lots, so lot position is a real value driver here, not just the home itself. The trade is a settled, unspectacular resale market with no confirmed shared amenity package, in exchange for corridor convenience and a comparatively approachable entry point next to newer-priced neighbors like Spencers Crossing."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Spencers Lake is an established, single-family community in Orange Park, in Clay County, reached off Argyle Forest Boulevard by way of Cheswick Oaks Avenue, near the Blanding Boulevard corridor. The Spencer's Lake Owners Association, Inc. incorporated with the state on October 6, 1995, which places the community's build-out in the mid-1990s.

Homes here are single-family, with available listings reporting roughly 1,650 to 2,000-plus square feet and 3 to 4 bedrooms across single-story and two-story plans. The community is built around a pond, and homes on interior streets such as Waters View Circle back to the water, which listings market as a water view. The homeowners association is mandatory; a current dues amount is not published, and no clubhouse, pool, or other HOA-run amenity has been confirmed, so treat the pond and its surrounding lots as the community's defining physical feature rather than a formal recreation package.

The bigger picture is location and age. Spencers Lake sits in the Argyle Forest Boulevard and Blanding Boulevard corridor of Orange Park, near other established subdivisions including Spencers Crossing, with reasonable access into Jacksonville. That convenience is the draw; the tradeoff is a housing stock now roughly three decades old, where roof, plumbing, and system age should be verified home by home rather than assumed from the neighborhood's overall condition.

Best for

  • Buyers who want an established, mid-1990s-era single-family resale in the Argyle Forest Boulevard corridor of Orange Park
  • Buyers who value a pond-adjacent or water-view lot over a shared clubhouse or pool amenity
  • Buyers comfortable verifying roof, plumbing, and system age on a resale home approaching three decades old

Probably not for

  • Buyers who need new construction with modern systems and a builder warranty
  • Anyone who wants a gated or amenitized community with a confirmed clubhouse or pool
  • Buyers unwilling to budget inspection and possible system-replacement costs into their offer

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

Live market metrics for Spencers Lake 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 Spencers Lake listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Spencers Lake buys, holds, and resells. See the five factors.

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.

The takeaway

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

Orange Park Mall15 to 20 min · approximate
Orange Park Medical Center15 to 20 min · approximate
Downtown Jacksonville25 to 30 min · approximate
NAS Jacksonville20 to 25 min · approximate
Jacksonville International Airport (JAX)40 min · approximate
St. Johns Town Center35 to 40 min · approximate

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 Spencers Lake Homes for Sale in Orange Park, FL with Momentum Realty’s local guides.

SGSavannah Glen Homes for Sale in Orange Park, FLOrange Park, FL · adjacentOSOlde SuttonParke Homes for Sale in Orange Park, FLOrange Park, FL · 0.2 miWBWestport Bay Homes for Sale in Jacksonville, FLJacksonville, FL · 0.3 miOSOlde SuttonOaks Homes for Sale in Orange Park, FLOrange Park, FL · 0.4 miCLCranes Landing Homes for Sale in Orange Park, FLOrange Park, FL · 0.5 miSHSweetbriar Homes for Sale in Orange Park, FLOrange Park, FL · 0.5 miSHSpencerIsland Homes for Sale in Orange Park, FLOrange Park, FL · 0.5 miBHBrittanyBluff Homes for Sale in Orange Park, FLOrange Park, FL · 0.6 miSHSpencersTrace Homes for Sale in Jacksonville, FLJacksonville, FL · 0.6 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
Spencers Lake (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

Spencers Lake 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 School (verify by address)

Elementary

Argyle Elementary School (verify by address)

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

The takeaway

The story here is a settled, mid-1990s-era single-family subdivision built around a community pond, off the growing Argyle Forest Boulevard and Blanding Boulevard corridor of Orange Park.

Recent Developments in Spencers Lake

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

Net OutlookBullishNet stable for a built-out, low-turnover resale community, with upside tied to continued corridor growth and development in western Clay County and downside risk concentrated in aging systems and insurance costs on homes now roughly three decades old.

Clay County corridor growth

2020 to 2025
BullishNotable impact
SignificanceRadius: County

Clay County has been one of the faster-growing counties in Northeast Florida, with continued rooftop and retail growth along the Blanding Boulevard and Argyle Forest Boulevard corridor near Spencers Lake. Sustained growth supports demand for established, moderately priced resale homes in the area.

Insurance and aging-system costs

2026
BearishNotable impact
SignificanceRadius: Community

Florida homeowners insurance is a real underwriting line item, and it weighs more heavily on homes approaching or past the three-decade mark. Get a bindable quote and confirm roof age and any four-point inspection requirement before you make an offer.

Thin, built-out resale market

2026
NeutralMinor impact
SignificanceRadius: Community

Spencers Lake is fully built out with no new construction inside the community, so inventory turns over slowly and each listing should be judged on its own condition, updates, and lot position rather than a community-wide price trend.

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 Spencers Lake, 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 ↓

    Development alerts for Spencers LakeGet a short monthly email when something new is approved, funded, or opens near Spencers Lake.

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    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.

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

    1

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

    2

    Confirm the current mandatory HOA dues amount and what they cover directly with Spencer's Lake Owners Association, Inc. or its management contact.

    3

    Get a thorough inspection focused on roof age, plumbing, electrical, and HVAC, since the community's homes generally date to the mid-1990s.

    4

    If considering a pond-adjacent lot, confirm the exact water frontage, any easement, and the FEMA flood zone for that specific address.

    5

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

    6

    Get a bindable homeowners insurance quote for the specific home before you make an offer, given the age of the housing stock.

    Best Buy
    A structurally sound single-family home with updated systems, ideally on a quieter interior or pond-adjacent lot.
    Biggest Risk
    Underestimating roof, plumbing, or HVAC replacement costs on a home approaching three decades old.
    Best Lot
    Pond-adjacent lots on streets like Waters View Circle carry a water-view premium; interior lots are the value alternative.
    Smart Timing
    Resale-driven. Inventory is thin and individual, so move when the right condition, lot, and price line up.
    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 homes; several lots front a community pond

    Era

    Spencer's Lake Owners Association, Inc. incorporated October 6, 1995, consistent with a mid-1990s build-out

    Size range

    Roughly 1,650 to 2,000-plus sq ft per available listings; 3 to 4 bedrooms

    Construction

    Single-story and two-story single-family homes, per available listings

    Costs & Fees

    HOA

    Mandatory; Spencer's Lake Owners Association, Inc. Current dues amount not published, confirm with the association

    CDD

    None identified; confirm on the parcel tax record

    Property use

    Primary residences

    Amenities

    Marketed

    No clubhouse, pool, or other HOA-run amenity confirmed; community pond with water-view lots on streets such as Waters View Circle

    Status

    Mandatory HOA; confirm current amenity list with the association

    Location

    Area

    Orange Park, Clay County, off Argyle Forest Boulevard via Cheswick Oaks Avenue, near the Blanding Boulevard corridor

    Downtown Jacksonville

    About 25 to 30 min (approximate)

    Airport (JAX)

    About 40 min (approximate)

    The takeaway

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

    The Entry

    At the entry tier you are generally looking at original-condition or lightly updated single-family homes on interior lots, where the value is in the bones and the systems rather than finish work. Budget for roof, plumbing, and HVAC verification.

    Lowest entry
    The Core

    In the core of the market you find single-family homes with some updates, such as a refreshed kitchen or bath and a newer roof, on the community's typical lot sizes. This is the typical move-in resale here.

    Most inventory
    The Top

    At the top are the more fully updated homes and the pond-adjacent, water-view lots on streets like Waters View Circle. Confirm the condition, square footage, and any permits for past work 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.

    The Entry
    At the entry tier you are generally looking at original-condition or lightly updated single-family homes on interior lots, where the value is in the bones and the systems rather than finish work. Budget for roof, plumbing, and HVAC verification.
    The Core
    In the core of the market you find single-family homes with some updates, such as a refreshed kitchen or bath and a newer roof, on the community's typical lot sizes. This is the typical move-in resale here.
    The Top
    At the top are the more fully updated homes and the pond-adjacent, water-view lots on streets like Waters View Circle. Confirm the condition, square footage, and any permits for past work 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.

    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
    Jon Brooks, Momentum Realty
    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.

    Home conditionVaries by home
    Roof and systems ageVerify age
    Renovation upsideModerate, condition dependent
    Lot positionPond-adjacent lots carry a premium
    Insurance cost exposureVerify by address

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

    Jon Brooks, Momentum Realty
    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 Spencers Lake

    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.

    The value here is not a shared amenity package, it is the individual home and its lot: condition, updates, and whether it sits on the pond.

    Jon Brooks · Founder, Momentum Realty
    6.2C+ · Buy Score
    Resale Strength6.0/10
    Renovation Risk5.8/10
    Location Efficiency6.8/10
    Long-Term Defensibility6.0/10
    Carrying Cost Advantage6.4/10

    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.

    Why our read on Spencers Lake 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.

    Which Lots & Views Hold Value Best

    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
    • Homes are similarly aged, generally dating to the community's mid-1990s build-out.
    • Pond-adjacent lots on streets like Waters View Circle carry a water-view premium over interior lots.
    • With no confirmed shared amenity, the home's own condition and updates are a major resale driver alongside lot position.
    • Verify any recorded deed restrictions or HOA architectural guidelines on the specific parcel.
    • Check the FEMA flood zone for any pond-adjacent address before you rely on assumptions.

    In a built-out, single-era community like this, the homes are all roughly the same age, so the durable differences between two listings are the home's own updates and its position relative to the pond. Because there is no confirmed shared amenity package to offset condition, a well-kept or recently updated home carries most of the value story here, and pond-adjacent, water-view lots on streets such as Waters View Circle tend to command a premium over interior lots. Confirm any deed restrictions, HOA obligations, and the FEMA flood zone on the specific parcel rather than assuming them from the surrounding area.

    Spencers Lake in 15 seconds.

    Best forBuyers who want an established Orange Park resale home near the Argyle Forest Boulevard corridor.
    Biggest advantageA community pond with water-view lot options and reasonable access to the Blanding Boulevard corridor.
    Biggest riskAging roof, plumbing, and HVAC systems on homes generally dating to the mid-1990s.
    Sweet spotAn updated home on a pond-adjacent or quiet interior lot with a clean maintenance history.
    Avoid ifYou need new construction, a confirmed clubhouse or pool amenity, or cannot budget for system updates.

    HOA, CDD & Fees

    15-Second Take
    • HOA is mandatory; confirm the current dues amount and terms with the association.
    • No CDD was identified, but confirm it on the parcel tax record.
    • No clubhouse or pool amenity has been confirmed; the pond and its water-view lots are the main shared feature.
    • Homes generally date to the mid-1990s; verify roof and system age and get a bindable insurance quote.
    • Pond-adjacent lots on streets like Waters View Circle should have water frontage and flood zone confirmed by address.

    Spencers Lake has a mandatory homeowners association, Spencer's Lake Owners Association, Inc., which incorporated with the state on October 6, 1995. The current dues amount is not published here; confirm the exact figure and payment terms with the association before you buy.

    No clubhouse, pool, or other HOA-run amenity has been confirmed for this community. Confirm in writing what dues actually fund with the association; the community's notable shared feature is the pond around which several interior streets are built.

    There is no golf course or private country club in the community.

    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.

    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 Spencers Lake, condition and view decide your number

    Because buyers here are weighing your home against renovated comps and cross-shopping Spencers Crossing, 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 Spencers Lake home worth?

    Get a no-obligation home value based on real comparable sales in Spencers Lake 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 Spencers Lake on the map →

    Real comps, not an automated estimate.

    Price History: What Homes Here Have Actually Sold For

    Median sale prices in Spencers Lake 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

    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 Spencers Lake 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 Spencers Lake a new-construction community?
    No. It is an established Orange Park single-family community with a homeowners association incorporated on October 6, 1995, placing its build-out in the mid-1990s. Homes here are resales.
    What kind of homes are in Spencers Lake?
    Single-family homes, per available listings running roughly 1,650 to 2,000-plus square feet with 3 to 4 bedrooms, across single-story and two-story plans.
    Is there an HOA?
    Yes, a mandatory homeowners association, Spencer's Lake Owners Association, Inc. The current dues amount is not published here; confirm the exact figure and terms with the association before you buy.
    Does the community have a pool or clubhouse?
    No clubhouse, pool, or other HOA-run amenity has been confirmed for this community. The community is built around a pond, and some interior streets, such as Waters View Circle, back to the water.
    Is there a CDD bond on the taxes?
    No Community Development District was identified for this community. Confirm CDD status on the specific parcel's tax record with the Clay County Property Appraiser before you rely on it.
    What should I check before buying an older home here?
    Focus on roof age, plumbing, electrical, and HVAC, since homes generally date to the mid-1990s. Get a thorough inspection and budget for updates.
    Is a pond-adjacent lot worth paying more for?
    Listings market water-view lots on streets like Waters View Circle at a premium over interior lots. Confirm the exact water frontage, any easement, and the FEMA flood zone for the specific address before you decide.
    Is the area in a flood zone?
    Flood zone designation is address-specific, and it matters more on pond-adjacent lots. Confirm the FEMA flood zone and get a bindable insurance quote for the exact home before you rely on any assumption.
    How close is Orange Park Mall?
    Orange Park Mall is roughly a 15 to 20 minute approximate drive from Spencers Lake by way of the Blanding Boulevard corridor.
    What schools serve the community?
    It is in Clay County District Schools. Zoned schools should be verified by the specific address, but the area is generally served by Argyle Elementary School, Oakleaf Junior High School, and Oakleaf High School.
    How is the commute to downtown Jacksonville?
    Downtown Jacksonville is roughly a 25 to 30 minute approximate drive. Other drive times on this page are approximate estimates.
    Is Spencers Lake gated or age-restricted?
    There is no verified information that the community is gated, and it is not marketed as age-restricted or 55 plus. It is an established, open residential community.
    What is the biggest risk of buying here?
    Underestimating the cost of replacing an aging roof, plumbing, or HVAC system on a home from the community's mid-1990s build era. This is manageable with a thorough inspection and an address-specific insurance quote.
    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 lot position 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 community 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 Spencers Lake?
    The best agent for Spencers Lake 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 Spencers Lake.
    How do I find a top Orange Park real estate agent who knows Spencers Lake?
    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 Spencers Lake and the wider Orange Park area.
    Can Momentum Realty connect me with an agent for Spencers Lake?
    Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Spencers Lake purchase or sale - no call center and no pressure.
    You want an established, mid-1990s-era single-family resale in the Argyle Forest Boulevard corridor of Orange Park.Excellent fit
    You value a pond-adjacent or water-view lot over a shared clubhouse or pool amenity.Excellent fit
    You will do the homework on roof, plumbing, and HVAC age before you close.Excellent fit
    You value corridor convenience over a larger, newer floor plan.Excellent fit
    You need new construction with a builder warranty and modern systems.Probably not
    You want a confirmed shared amenity package such as a clubhouse or pool.Probably not
    You cannot budget for roof or system replacement on an older home.Probably not
    You need certainty on flood zone or water frontage before you can consider a pond-adjacent lot.Probably not

    Get the inside read on Spencers Lake

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

    We respond personally, usually the same day.

    You are all set.

    A Momentum Realty Spencers Lake specialist will reach out personally, usually the same day.

    Median sale price in Spencers Lake, 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.

    Zoom out before you decide: see the Clay County market guide or every community in the Neighborhood Finder.

    Get my Clay County cash offer →

    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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