Clay County · 32003
Condos & Townhomes in Fleming Island Plantation
For first-time buyers, downsizers, and busy professionals, the townhome market around Fleming Island Plantation in Fleming Island is one of Northeast Florida's smartest entries.
As a neighborhood of Fleming Island in Clay County, Fleming Island Plantation 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
Fleming Island Plantation
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 Fleming Island Plantation
Local highlights in Fleming Island Plantation: Resort-style amenities; Walkable A-rated schools; Golf at The Club. About 35 minutes to downtown Jacksonville. Attached-home communities cluster near the main corridors, putting shopping and commutes at your doorstep.
A closer look at Fleming Island Plantation
A family-favorite master-planned community with resort pools, sports courts, and top-rated schools within walking distance.
About 35 minutes to downtown Jacksonville. Thunderbolt Elementary and Fleming Island High are community anchors.
The Plantation's splash park and Olympic pool complex rival many private clubs.
Fleming Island Plantation 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 Fleming Island Plantation range widely — we compare what you actually get for the money.
How do I get started with a Fleming Island Plantation 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 Fleming Island Plantation
No spam, no pressure — just local expertise from Tammy & Brooke.
Keep exploring Fleming Island Plantation
Fleming Island Plantation is part of Fleming Island — see the full Fleming Island picture too.