Gated Communities in Clay County, FL
Looking for gated communities in Clay County, FL? Momentum Realty tracks 27 Clay County communities with evidence of gated community living, 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 gated communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Orange Park · agent | Orange Park | $405,000 | -2.0% | 120 d |
| Edenbrooke at Hyland Trail · agent | Green Cove Springs | $345,000 | -7.0% | 100 d |
| Magnolia Point · agent | Green Cove Springs | $490,000 | -5.0% | 99 d |
| Jennings Farm · agent | Middleburg | $543,000 | -3.0% | 249 d |
| Black Creek Park · agent | Middleburg | $376,000 | +12.0% | 47 d |
| Two Creeks · agent | Middleburg | $406,000 | -8.0% | 104 d |
| Pace Island · agent | Fleming Island | $460,000 | -8.0% | 39 d |
| Azalea Ridge · agent | Middleburg | $324,000 | -9.0% | 49 d |
| Magnolia West · agent | Green Cove Springs | $300,000 | -5.0% | 74 d |
| Double Branch · agent | Middleburg | $444,000 | -8.0% | 31 d |
| Keystone Heights · agent | Keystone Heights | $268,000 | +44.0% | 70 d |
| Loch Rane · agent | Park | $412,000 | +1.0% | 89 d |
| GreyHawk · agent | Middleburg | $375,000 | +2.0% | 121 d |
| Foxmeadow · agent | Middleburg | $498,000 | +8.0% | 24 d |
| Lake Ridge Villas North · agent | Fleming Island | $208,000 | -7.0% | 292 d |
| Villages of Fireside · agent | Middleburg | $408,000 | +2.0% | 69 d |
| The Ravines · agent | Middleburg | $288,000 | -4.0% | 112 d |
| Margaret's Walk · agent | Fleming Island | $580,000 | +10.0% | – |
| Duck Pond · agent | Middleburg | $202,000 | – | 65 d |
| Briar Oaks Townhomes · agent | Orange Park | $238,000 | -13.0% | 119 d |
| Edgewater Landing · agent | Green Cove Springs | $244,000 | +10.0% | 81 d |
| Chestnut Ridge · agent | Orange Park | $258,000 | – | 176 d |
| Lake Ridge North · agent | Fleming Island | $240,000 | +10.0% | 33 d |
| Linda Lakes · agent | Middleburg | $397,000 | -4.0% | 104 d |
| River Hills Reserve · agent | Fleming Island | $702,000 | +7.0% | 165 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.
Every other tracked gated communities in Clay County
What gates change about ownership
Controlled access typically comes with a manned gate, a transponder system, or both — funded through HOA dues. Expect guest-access procedures, delivery and contractor rules, and in some communities rental restrictions. Review the HOA budget for how the gate and any roving patrol are funded, and whether roads are private (the HOA maintains them — another line in the dues) or public.
Due diligence before you buy behind a gate
Request the HOA documents early: budget, reserves, rules, and the last two years of meeting minutes. Private roads, gates and common areas are owner-funded, so thin reserves become special assessments. Our buyer closing costs calculator helps you model dues and assessments into the real monthly cost.
What it costs to own here
At Clay County’s typical combined millage of 15.05 mills, a purchase at $375,500 (the median across these gated communities) generates roughly $5,652 a year in property tax before exemptions — about $471 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
- 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
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Common questions
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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.