Boating Communities in Clay County, FL

Looking for boating communities in Clay County, FL? Momentum Realty tracks 9 Clay County communities with evidence of boating access, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

Clay County boating communities at a glance

Communities tracked

$460,000

Median sale price

73 days

Median days on market

340

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Hyland Trail · agent	Green Cove Springs	$399,000	-5.0%	61 d
Eagle Harbor · agent	Fleming Island	$545,000	-8.0%	58 d
Cross Creek · agent	Green Cove Springs	$316,000	-3.0%	104 d
Lake Asbury · agent	Springs	$628,000	-10.0%	92 d
Pace Island · agent	Fleming Island	$460,000	-8.0%	39 d
Villages of Fireside · agent	Middleburg	$408,000	+2.0%	69 d
Margaret's Walk · agent	Fleming Island	$580,000	+10.0%	–
Hibernia Plantation · agent	Fleming Island	$850,000	-10.0%	83 d
Edgewater Landing · agent	Green Cove Springs	$244,000	+10.0%	81 d

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

Boat access is a spec sheet, not a checkbox

For a boating community, the details decide whether your boat actually fits the lifestyle: fixed-bridge clearances between you and open water, channel depth at low tide, slip and lift capacity, and whether slips are deeded, leased, or waitlisted. Sailboat water (no fixed bridges) commands a premium. Ask the association for the marina rules, slip fees and the waitlist status in writing.

Insurance and storage realities

Wet slips, lifts and davits each carry different insurance and maintenance profiles, and hurricane haul-out rules are written into many marina agreements. Confirm what the association requires when a storm is named, and price boat storage into your comparison if the community waitlist is long.

What it costs to own here

At Clay County’s typical combined millage of 15.05 mills, a purchase at $460,000 (the median across these boating communities) generates roughly $6,924 a year in property tax before exemptions — about $577 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Clay County average about $1,189 a year ($99 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Clay County near $1,990 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Clay County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Clay County right now

In the most recent IRS migration data (2022-2023), Clay County gained a net 3,611 people to relocation, with the largest inbound flows from CA, VA, NY. Households moving IN reported average incomes of $65,179 versus $61,245 for those leaving — the income mix of demand, straight from tax filings. Population is up about 7.8% over the recent multi-year window. On the supply side, builders pulled 1,522 residential permits in Clay County in 2025 (1,240 single-family), down 19.0% year over year — against 2,443 at the 2023 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 19.9% versus its income-and-rent fundamentals.

The Clay County market, in context

Clay County is the value play of Northeast Florida — more home for the money than St. Johns or the Duval beaches, with the well-regarded Clay County District Schools and an easy commute to Jacksonville's Southside and NAS Jacksonville. Growth is concentrated in Oakleaf, Fleming Island, and fast-rising Green Cove Springs along the new First Coast Expressway, which is reshaping where the county builds.

The economy behind the market: {'drivers': 'healthcare, retail and logistics, public sector, and a large Jacksonville commuter base', 'summary': "Clay County's economy leans on healthcare (Ascension St. Vincent's Clay County and nearby Orange Park Medical Center), retail and distribution along the US 17 and First Coast Expressway corridors, and a public sector led by the county school district and government. Just as important is what is across the river: a large share of Clay residents commute to Jacksonville's Southside and to Naval Air Station Jacksonville, so Duval's deep military, healthcare, and finance economy underwrites Clay housing demand.", 'employers': ['Clay County District Schools', 'Clay County government', "Ascension St. Vincent's Clay County", 'Orange Park Medical Center (HCA)', 'Walmart', 'Publix', 'First Coast Expressway corridor retail (Oakleaf)'], 'jobNote': "Many Clay residents commute to Jacksonville's Southside and NAS Jacksonville, so Duval's economy is a major demand driver."}

What could change it: Clay's risks are riverine flooding (Black Creek and the Doctors Lake/St. Johns shoreline can flood in major storms), rising insurance, and the growing pains of fast expressway-corridor development, including county budget pressure as commercial construction cools. Inland and away from the water, risk is comparatively low for Florida.

Near-term outlook: Expect Clay to stay the region's steady value market over the next 12 months. Demand from buyers priced out of St. Johns and Duval keeps a firm floor under prices, while heavy new construction along the First Coast Expressway keeps a lid on resale appreciation — a healthy, buyer-friendly balance.

Run the numbers in Clay County

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Common questions

How many boating communities does Clay County, FL have?

Momentum Realty currently tracks 9 communities in Clay County with evidence of boating access in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in Clay County boating communities cost?

The median sale price across tracked boating communities in Clay County is about $460,000, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the boating communities?

A community appears here when we find marina, boat slip, dock, lift or ramp amenities reported on MLS listings or verified amenity records for the community. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves Clay County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Clay County?

Citizens Property Insurance policies in Clay County average about $1,189 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Clay County?

Typical combined millage in Clay County is about 15.05 mills - roughly 1.51% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.