Clay County · 32003
Waterfront Homes near Eagle Harbor
From the St. Johns River to spring-fed lakes and Black Creek, the water around Eagle Harbor in Fleming Island defines how people live here.
As a neighborhood of Fleming Island in Clay County, Eagle Harbor combines its own character with everything Fleming Island offers. Compare waterfront and water-access properties by frontage, dock rights, and insurance costs rather than relying on an area price.
Area
Eagle Harbor
County
Clay County
ZIP codes
32003
Buying waterfront near Eagle Harbor: what we check
Bulkhead condition, dock permits, flood zone and insurance costs, water depth at low tide, and whether the water is navigable to the St. Johns. These five factors move value more than square footage on waterfront property.
Fun fact: Eagle Harbor's golf course was carved along Doctors Lake, giving several holes stunning water views.
Waterfront pricing reality
True deep-water frontage near Eagle Harbor commands the top of the market, while water-access and lakeview homes offer the lifestyle at gentler prices. We'll help you weigh dock rights vs. community ramps vs. dry storage.
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
How much more does waterfront cost near Eagle Harbor?
Expect a 25-100% premium over comparable non-waterfront homes depending on frontage, dock, and navigability. Water-access communities offer a middle path.
Do I need flood insurance on the water?
Usually yes if you carry a mortgage in a FEMA flood zone. Premiums vary hugely by elevation certificate — we help you get real quotes before you offer.
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.
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Keep exploring Eagle Harbor
Eagle Harbor is part of Fleming Island — see the full Fleming Island picture too.