Spencers
Homes for Sale in Orange Park, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 3 closed sales in Spencers Replat in Orange Park, FL since 2003, the most recent in February 2014. Across Orange Park as a whole, 653 homes closed in the last 12 months at a median of $330,000, 39 median days on market, with 160 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,970 ($4,370 with the full homestead exemption).
Spencers Replat is a small pocket in Orange Park, and with a snapshot this thin the honest read is that price here is driven by the individual home more than by any neighborhood-wide trend. Condition, updates, and lot specifics will move a number far more than the community label will. Treat every listing on its own merits.
For buyers, that means the comps conversation is everything — you want to understand what a given house offers before anchoring to a price. For sellers, it means presentation and condition do the heavy lifting; there is no broad market wave to ride, so the work you put into the home shows up directly in what it commands.
The 60-Second Overview
Spencers Replat sits within Orange Park in Clay County, on the west side of the Jacksonville metro. It is a defined, compact community rather than a sprawling master-planned area, so the character comes from the individual streets and homes.
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.
Who Spencers is best for.
Best for
- Buyers set on the Orange Park area who value location over having a large pool of options
- Patient buyers willing to wait for the right individual home to list
- Owner-occupants focused on a specific house's condition and layout rather than a neighborhood trend
Probably not for
- Buyers who want to tour a wide selection of comparable homes in one community
- Investors looking for deep transaction data and predictable turnover
- Anyone on a rigid timeline who cannot wait for limited inventory to come available
The market around Spencers
Spencers is too small for its own price trend, so here is the market around it.
In ZIP 32073, 190 homes are on the market and 26% are under contract — a steady corner of Orange Park.
Across Clay County, 1,267 homes are active and 451 pending (26% under contract).
ZIP and county figures describe the wider market, not Spencers specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Spencers Replat, 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.
The Spencers buying strategy.
If we were buying in Spencers 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.
A small Orange Park pocket
Orange Park's appeal is location: it puts you within reach of the retail and commuter corridors of western Clay County while keeping you a step removed from the busiest parts of the metro. Spencers Replat inherits that positioning, and for a buyer the practical questions are commute, everyday errands, and how a specific home is configured.
Because this is a smaller community, inventory can be sparse and choices limited at any given moment. That cuts both ways — less to compare against, but also less competition on the right house. Patience and a willingness to act when the correct listing appears both help here.
The location and the amenities are priced into every listing in Spencers. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small community with limited data, the value we add is local judgment rather than a dashboard. We read individual homes against the wider Orange Park and Clay County market, tell you when a listing is priced to its condition and when it is not, and flag when Spencers Replat simply is not the right fit for your goals.
Spencers in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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 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 sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Spencers, 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 home worth?
Get a no-obligation home value based on real comparable sales in Spencers, 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 →
Should you buy in Spencers?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2003 (3 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Spencers Replat fits the bigger picture — live prices, inventory, and Momentum Scores:
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.