Clay County · 32003
Waterfront Homes near Fleming Island
Northeast Florida waterfront is a lifestyle — sunrise coffee on the dock, boats instead of second cars. Around Fleming Island, Florida, the St. Johns River, Doctors Lake, and Black Creek put that within reach.
Fleming Island is located in Clay County, Northeast Florida. Compare waterfront and water-access properties by frontage, dock rights, and insurance costs rather than relying on an area price.
Area
Fleming Island
County
Clay County
ZIP codes
32003
Buying waterfront near Fleming Island: 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: Fleming Island is not actually an island — it is a peninsula bordered by the St. Johns River and Doctors Lake.
Waterfront pricing reality
True deep-water frontage near Fleming Island 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
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
How much more does waterfront cost near Fleming Island?
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 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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