Boating Communities in Fleming Island, FL

Looking for boating communities in Fleming Island, FL? Momentum tracks 4 Fleming Island 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.

Fleming Island boating communities at a glance

The communities, by recent sales activity

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 $562,500 (the median across these Fleming Island boating communities) generates roughly $8,467 a year in property tax before exemptions — about $706 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.

Explore more of Fleming Island

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Run the numbers in Clay County

• Find the best agent in Clay County
• Get a cash offer in Clay County
• Clay County housing scorecard
• What would selling net you
• Buyer closing costs calculator

Common questions

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.