Lifestyle Guide · Clay County

New Construction Communities in Clay County

27 communities, each with an honest guide. Builder communities with active or recent phases. Each guide covers builders, price ranges where published, and the CDD or HOA structure behind the amenities. Prices in every guide are attributed to a dated third party source. Start with the list below or see them plotted on the interactive map.

Every new construction communities community we cover in Clay County

Amberly$299,990, the HOA + CDD stack, the ameRead the guide →Anabelle Island$262,220Read the guide →Baxley Villas$259,990, $111/mo HOA - the missing miRead the guide →Cross Creek$200s to low $460sRead the guide →Double Branch$340,490, the $174-a-quarter HOA with Read the guide →Edenbrooke at Hyland Trail~$300KRead the guide →Granary Park$290KsRead the guide →Hyland Trail$300Ks, strong valueRead the guide →Jennings Farm$357,900, the $3M amenity center, the Read the guide →Lakes at Bella Lago$300KsRead the guide →Laurelton$400sRead the guide →Linda Lakes$200s builder / resales ~$430sRead the guide →Magnolia West~$314K area median listRead the guide →Rolling Hills$300KsRead the guide →Rookery$280s to low $410sRead the guide →Sandridge Hills$300s, the $375/quarter HOA, the no-CDRead the guide →Saratoga Springs$300sRead the guide →The District at Oakleaf$239,990-$272,990, Enclave and Grove sRead the guide →The Landing at Brannan Field$239,990Read the guide →Waterford Ranch at Oakleaf$370,950 to $439,699Read the guide →Willow Springs~$320,990Read the guide →AgricolaRead the guide →Creighton PointeRead the guide →GreyHawkRead the guide →Holstein CrossingRead the guide →Murray FarmsRead the guide →The Preserve at LaureltonRead the guide →

See all 27 plotted on the interactive map, pre-filtered for youExplore the map →

Useful next steps

Property tax estimator · Rent vs buy calculator · Clay County market hub · Neighborhood finder

How many new construction communities does Momentum Realty cover in Clay County?

27 communities, each with a full guide. Every price in those guides is attributed to a dated third party source such as Redfin, Homes.com, Zillow, or builder price sheets.

What should buyers check first in a Clay County community?

Builder communities with active or recent phases. Each guide covers builders, price ranges where published, and the CDD or HOA structure behind the amenities.

Where do the prices on this page come from?

Price ranges shown here are pulled from each community guide, where they are attributed to a dated third party source. When no firm public figure exists, the guide says so rather than estimating.

What it really costs to own new construction in Clay County

As of 2026-11-12, 321 new construction homes are listed for sale in Clay County at a median asking price of $372,990. The median current property tax bill on those listings is $1,159 a year (the seller's bill, 128 listings reporting). About 88% are in an HOA, with a median fee of $58 a month. The median home was built in 2026.

Property tax	Median current bill $1,159/yr across 128 listings (the seller's bill, often lowered by homestead and the Save Our Homes cap; on new construction it often reflects the vacant lot before the home was assessed). At the median asking price of $372,990, a buyer's first-year bill with homestead is about $5,000/yr (Clay County total millage 15.053 mills, FY2025-26, Clay County Property Appraiser, FY2025-26 adopted budget).
HOA	88% of 321 listings that report it are in a homeowners association. Median fee $58/month (283 listings, normalised to per month). Many master-planned communities in Northeast Florida also carry a CDD assessment on the tax bill; check each listing.
Home insurance	Citizens Property Insurance average premium in Clay County: $1,189/yr (606 policies, Citizens county detail, April 2026). Private quotes depend on roof age, wind mitigation and flood zone.
Time on market	Median 83 days on market for the active listings.

Estimated carrying cost at the median asking price, before the mortgage: about $574/month. An estimate from the sources above, not a quote; flood insurance and CDD assessments are extra where they apply.

Source: Momentum Realty analysis of 321 active MLS listings (Northeast Florida MLS), 2026-11-12; county millage FY2025-26; Citizens Property Insurance, April 2026. Medians of listing records; individual homes vary.

Cost questions about Clay County

What are property taxes on a home for sale in Clay County?

The median current tax bill on Clay County listings is $1,159 a year (128 listings, MLS, 2026-11-12). On new construction the current bill often reflects the vacant lot. A buyer at the median asking price of $372,990 should budget about $5,000 for the first full year with homestead, because the assessed value resets toward the purchase price (Clay County millage 15.053, FY2025-26).

Do most homes for sale in Clay County have an HOA?

About 88% of the Clay County listings that report it are in an HOA; the median fee is $58 a month (283 listings, MLS, 2026-11-12).

What does it cost each month to own a home in Clay County before the mortgage?

About $574 a month at the median asking price of $372,990: first-year tax about $417, insurance about $99, HOA about $58. This is an estimate from MLS, county millage and Citizens data (2026-11-12), not a quote; flood insurance and any CDD are extra where they apply.

How many new construction homes are for sale in Clay County?

321 active listings are marked new construction as of 2026-11-12, at a median asking price of $372,990 and a median of 83 days on market.

Keep comparing: HOA fees by community, Clay County · Florida property tax reset calculator · Mortgage payment calculator