Clay County · 32003
Waterfront Homes near Fleming Island Plantation
From the St. Johns River to spring-fed lakes and Black Creek, the water around Fleming Island Plantation in Fleming Island defines how people live here.
As a neighborhood of Fleming Island in Clay County, Fleming Island Plantation 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
Fleming Island Plantation
County
Clay County
ZIP codes
32003
Buying waterfront near Fleming Island Plantation: 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: The Plantation's splash park and Olympic pool complex rival many private clubs.
Waterfront pricing reality
True deep-water frontage near Fleming Island Plantation 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 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
How much more does waterfront cost near Fleming Island Plantation?
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 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.
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Keep exploring Fleming Island Plantation
Fleming Island Plantation is part of Fleming Island — see the full Fleming Island picture too.