Clay County · 32003
Condos & Townhomes in Eagle Harbor
For first-time buyers, downsizers, and busy professionals, the townhome market around Eagle Harbor in Fleming Island is one of Northeast Florida's smartest entries.
As a neighborhood of Fleming Island in Clay County, Eagle Harbor combines its own character with everything Fleming Island offers. Compare the full monthly cost of attached homes, including HOA dues and insurance, with current available listings.
Area
Eagle Harbor
County
Clay County
ZIP codes
32003
Townhome vs. condo: what's the difference?
With a townhome you typically own the land beneath you; with a condo you own the interior. That distinction drives financing, insurance, and HOA structure — and lenders treat them differently.
HOA health matters more than granite counters. We review budgets, reserves, and any special assessments before you commit.
Where to look near Eagle Harbor
Local highlights in Eagle Harbor: Championship golf; 4 pool complexes & water park; Tennis & pickleball. About 30 minutes to NAS Jacksonville via US-17. Attached-home communities cluster near the main corridors, putting shopping and commutes at your doorstep.
A closer look at Eagle Harbor
Fleming Island's flagship golf and swim community with tree-lined boulevards, four pool complexes, tennis, and a championship golf course.
About 30 minutes to NAS Jacksonville via US-17. Zoned for A-rated Fleming Island schools.
Eagle Harbor's golf course was carved along Doctors Lake, giving several holes stunning water views.
Eagle Harbor Mortgage Calculator
Illustrative fixed-rate payment only, not a current lender quote or pre-approval. The starting $400,000 price and 6.5% rate are examples, not local market figures. Adjust all assumptions for your property.
Estimated monthly payment
$2,992
Fixed-rate illustration: property tax assumes 1.1% of the entered price annually, insurance starts at $2,400/year, and PMI assumes 0.5% of loan balance annually below 20% down. Actual taxes, insurance, PMI and loan terms vary; closing costs, flood insurance and utilities are not included. Ask a lender for a current quote and obtain property-specific tax and insurance figures.
Frequently asked questions
Are condos harder to finance?
Sometimes — lenders review the condo association's finances, insurance, and owner-occupancy ratio. Townhomes with fee-simple lots finance like regular houses. We'll steer you right from day one.
What do HOA fees cover?
Typically exterior maintenance, roof (condos), landscaping, amenities, and master insurance. Fees near Eagle Harbor range widely — we compare what you actually get for the money.
How do I get started with a Eagle Harbor real estate expert?
Just reach out — call Tammy (904-708-0468) or Brooke (904-252-7390), or use the form on this page. We'll talk through your goals with zero pressure. Education first, pressure never.
Find low-maintenance homes in Eagle Harbor
No spam, no pressure — just local expertise from Tammy & Brooke.
Keep exploring Eagle Harbor
Eagle Harbor is part of Fleming Island — see the full Fleming Island picture too.