Stone Creek
Homes for Sale in Orange Park, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
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.
Stone Creek right now
🔴 Off the recent peak. The trailing-12-month median ($292K) is down 10.7% from the prior 12 months ($328K). 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 July 14. Confidence: Low (8 and 4 sales in the two windows).
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Updated July 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Stone Creek market snapshot (as of July 14, 2026): the median sale price is about $292K ($182 per sq ft over the trailing 12 months of closed sales), and a median 63 days on market for closed sales. The trailing-12-month median is down 11% from the prior 12 months, computed from record-level realMLS closed sales (8 closings in the current window).
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 July 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($292K) IS the median in the snapshot above, and the move from 2025 ($328K) IS the -10.7% one-year change.
Windows contain 2 to 10 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.
34% 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 (2026-07-12).
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 3 factors (4.3). Basis: Recent Direction -10.7% year-over-year; Owner Commitment 61% owner-occupied; Pricing Power 90.2% 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.
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 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.
See homes for sale in Stone Creek on the map →
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?
Do cash buyers compete in Stone Creek?
Who is the best real estate agent for Stone Creek?
How do I find a top Orange Park real estate agent who knows Stone Creek?
Can Momentum Realty connect me with an agent for Stone Creek?
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 July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (4 streets, ZIP 32003)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2004 (276 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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