Clay County · 32003
Condos & Townhomes in Fleming Island
Not everyone wants a yard to mow. Condos and townhomes around Fleming Island, Florida offer lock-and-leave living at friendlier price points.
Fleming Island is located in Clay County, Northeast Florida. Compare the full monthly cost of attached homes, including HOA dues and insurance, with current available listings.
Area
Fleming Island
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
Local highlights in Fleming Island: A-rated schools; St. Johns River access; Eagle Harbor golf & tennis. About 30-40 minutes to downtown Jacksonville and 25 minutes to NAS Jacksonville. Attached-home communities cluster near the main corridors, putting shopping and commutes at your doorstep.
A closer look at Fleming Island
A master-planned riverside community along the St. Johns River with tree-lined streets, golf courses, and some of the best schools in Northeast Florida.
About 30-40 minutes to downtown Jacksonville and 25 minutes to NAS Jacksonville. Served by top-rated Clay County schools including Fleming Island High School and Paterson Elementary.
Fleming Island is not actually an island — it is a peninsula bordered by the St. Johns River and Doctors Lake.
Fleming Island 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 range widely — we compare what you actually get for the money.
How do I get started with a Fleming Island 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
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