Spencers Lake
Homes for Sale in Orange Park, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of FLORIDA HOMES REALTY & MTG LLC · via realMLS
Spencers Lake right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 July 14, 2026. Confidence: Low (2 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The setting & the homes.
Aerial and on-site photos of Spencers Lake. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Spencers LakePhotos from realMLS listings in Spencers Lake; content deemed reliable but not guaranteed.
The market around Spencers Lake
Spencers Lake is a small community — 40 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
In ZIP 32073, 112 homes are on the market and 29% are under contract — a steady corner of Orange Park.
Across Clay County, 725 homes are active and 300 pending (29% under contract).
The housing mix here is 99% single family residence, 1% townhouse.
ZIP and county figures describe the wider market, not Spencers Lake specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Spencers Lake
Live MLS inventory for Spencers Lake. 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 Lake listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Spencers Lake 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.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Oakleaf High School (Clay County District Schools); verify by address · High
- Oakleaf Junior High School (verify by address)FLDOE grade B · Middle
- Argyle Elementary School (verify by address)FLDOE grade A · 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 Spencers Lake address.
The Spencers Lake buying strategy.
If we were buying in Spencers Lake 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Lake.
A closer look at the Spencers Lake market
Inventory runs at 12.0 months of supply, a buyer-leaning market.
The housing stock is 198 homes built between 1995 and 2016, and 50% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Spencers Lake. 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 Spencers Lake 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 Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencers Lake, 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 Lake home worth?
Get a no-obligation home value based on real comparable sales in Spencers Lake, 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 →
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.
34% of homes for sale in ZIP 32073 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-08-18).
Frequently Asked Questions
Is Spencers Lake a buyer's or seller's market right now?
How many homes are in Spencers Lake?
What share of Spencers Lake is owner-occupied?
When were the homes in Spencers Lake built?
Do cash buyers compete in Spencers Lake?
What schools serve Spencers Lake?
Who is the best real estate agent for Spencers Lake?
How do I find a top Orange Park real estate agent who knows Spencers Lake?
Can Momentum Realty connect me with an agent for Spencers Lake?
Nearby Communities
Explore more neighborhoods near Spencers Lake with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (3 streets, ZIP 32065/32073)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2002 (120 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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See how Spencers Lake fits the bigger picture — live prices, inventory, and Momentum Scores: