Stone Creek
Homes for Sale in Orange Park, FL
All 336 homes for sale in Orange Park, FL · median $334,950 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Over the 12 months ending 2026-11-06, 8 recorded sales closed at a median of $285,000, $168 per square foot, a median 92 days on market, sellers accepting 88% of original asking. At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $4,290 ($3,690 with the full homestead exemption).
Stone Creek's value sits in its housing stock more than its rarity: 70 homes built between 1984 and 2006, with a median year built of 1987 and a median living area of 1,707 square feet. At a median price of $292,500 and $182 per square foot, this is an entry- to mid-tier price point for the area, and with three decades of construction dates in play, condition and updates do most of the work in setting what a given home is worth.
The current posture favors buyers. Median days on market sits at 62.5 and the median price is down 10.7% year-over-year, with a market heat score of 16 confirming a slow-moving market. With only 8 closings in the trailing window, pricing data is thin, which means sellers need to price to the comps that exist rather than to last year's numbers, and buyers have room to negotiate on condition and timeline.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Stone Creek right now
🔴 Off the recent peak. The trailing-12-month median ($285K) is down 9.5% from the prior 12 months ($315K) and up 109% since 2012. With about 7 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 November 6. Confidence: Medium (8 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 7, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Stone Creek right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Stone Creek market snapshot (as of November 6, 2026): the median sale price is about $285K ($168 per sq ft over the trailing 12 months of closed sales), and a median 93 days on market for closed sales. The trailing-12-month median is down 10% from the prior 12 months and up 109% since 2012, computed from record-level realMLS closed sales (8 closings in the current window).
In ZIP 32003 (Orange Park), 400 homes closed in the last 12 months at a median of $468K ($215/sq ft), down 0.5% year over year, with a median 33 days on market. Right now 68 active and 23 pending listings put supply at about 2.0 months — a healthy market. See the live ZIP 32003 housing market and the Clay County market.
County records show 9 qualified sales in Stone Creek across 2024–2025 (7 in 2024, 2 in 2025), median $335,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Stone Creek is a community of 70 homes in Orange Park, Clay County, built between 1984 and 2006 (median 1987.0), with a median living area of about 1,707 square feet. 61% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Stone Creek is a 70-home community in Orange Park, Clay County, built out between 1984 and 2006 around a median 1,707-square-foot home.
Who Stone Creek is best for.
Best for
- Buyers with a flexible renovation budget who want a lower entry price than newer construction nearby.
- Sellers who can price realistically against a thin, softening comp set rather than holding out for last year's numbers.
- Buyers targeting a home near the median 1,707 square feet who are comfortable with older, 1984-to-2006-era systems and finishes.
Probably not for
- Buyers who need a fast, competitive-offer closing timeline in a market currently averaging 62.5 days on market.
- Sellers expecting year-over-year price growth in a market currently down 10.7%.
- Buyers unwilling to budget for updates on a home built as far back as 1984.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending November 6 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($285K) IS the median in the snapshot above, and the move from 2025 ($315K) IS the -9.5% one-year change.
Windows contain 3 to 12 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.
33% of homes for sale in ZIP 32003 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 (2026-11-06).
The Stone Creek buying strategy.
If we were buying in Stone Creek 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 Stone Creek.
A Slow Market With Room to Negotiate
At $182 per square foot and a $292,500 median price, Stone Creek prices below newer-construction communities in the area, reflecting its 1984-to-2006 build dates. About 61% of homes in the community carry a homestead exemption, consistent with a base of owner-occupied housing.
The numbers point to a market that has cooled: a market heat score of 16, a median 62.5 days on market, and a median price down 10.7% year-over-year against a thin trailing window of 8 closings. That combination means list prices need to be grounded in current data, not last year's comps, and buyers evaluating a home here should expect some negotiating room on price and timeline.
The location and the amenities are priced into every listing in Stone Creek. 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 Stone Creek 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 4 factors (4.8). Basis: Long-Term Appreciation +109% since 2012; Recent Direction -9.5% year-over-year; Owner Commitment 61% owner-occupied; Pricing Power 88.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this soft -- fewer closings, longer time on market, and prices trending down -- pricing a home correctly is the difference between an accurate list and a stale one. Momentum tracks Stone Creek's closings and pricing trends directly, and can walk a buyer through what a 1984-2006 build era means for inspection priorities, or help a seller price against the small pool of comparable closings that actually exist.
Stone Creek in 15 seconds.
Tools for a Stone Creek 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 Stone Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Stone Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Stone Creek home worth?
Get a no-obligation home value based on real comparable sales in Stone Creek, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Housing distress & ownership in Stone Creek, 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.
More Orange Park home searches
- All homes for sale in Orange Park, FL
- Homes for sale in Clay County, FL
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- Orange Park home values: what is my house worth?
Orange Park guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Clay County)
- Homestead exemption (Clay County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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Recent Developments in Stone Creek
Development, infrastructure, retail, and school activity affecting Stone Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
Clay school district says one-mill referendum renews, not raises, property tax
The Clay County school district says the referendum on the upcoming ballot renews the one-mill levy voters first approved in 2020 at the same rate. The money funds school law enforcement contracts and compensation to retain and attract teachers and support staff. A citizens' advisory committee reviews spending, and the district says non-renewal would leave a funding shortfall.
What it may mean for the marketThe outcome sets school operating funding and staffing support for Clay County without changing the current millage rate. The site is about 6 miles south of Stone Creek.
Source: Clay Today - October 2026Retail & Dining
Grumpy's opens largest location yet on Fleming Island
Grumpy's opened at 1803 East-West Parkway in the former Dick's Wings and Grill space, with a Oct. 12 grand opening after benefit soft-opening dinners on Oct. 9 and 10. At 5,352 square feet it is the chain's largest of six Northeast Florida locations, seating up to 190. The owners plan a third restaurant.
What it may mean for the marketA large breakfast-and-lunch restaurant filling a vacant East-West Parkway space adds a dining option on Fleming Island. The site is about 1 mile northwest of Stone Creek.
Source: Clay Today - September 2026Infrastructure
County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County
The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.
What it may mean for the marketA four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 4 miles west of Stone Creek.
Source: News4JAX - June 2026Builder Activity
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
What it may mean for the marketAdds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 6 miles southwest of Stone Creek, elsewhere in Clay County.
Source: News4Jax - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 4 miles south of Stone Creek.
Source: Jax Daily Record
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.
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Frequently Asked Questions
What is the median home price in Stone Creek?
How long do homes in Stone Creek take to sell?
How many homes are in Stone Creek?
What share of Stone Creek is owner-occupied?
When were the homes in Stone Creek built?
Have Stone Creek home prices gone up?
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How do I find a top Orange Park real estate agent who knows Stone Creek?
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Where is Stone Creek, and what county is it in?
How far is Stone Creek from downtown Jacksonville and the beach?
Is Stone Creek a good place to live?
Should you buy in Stone Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending November 6, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 32003)) |
| Under-contract shares | realMLS records, as of 2026-11-06 |
| Historical depth | Closed-sale records back to 2011 (107 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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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