Bay Harbour
Homes for Sale in Fleming Island, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 5 closed sales in Bay Harbour in Fleming Island, FL since 2001, the most recent in July 2013. Across Fleming Island as a whole, 270 homes closed in the last 12 months at a median of $460,000, 28 median days on market, with 57 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $6,920 ($6,330 with the full homestead exemption).
Bay Harbour is a tight, built-out pocket in Fleming Island — 37 homes all constructed within a narrow window from 2000 to 2003. When a community is this small and this uniform in age, price is driven less by "which floor plan" and more by condition, updates, and lot. A median living area right around 1,900 square feet tells you these are substantial single-family homes, not starter boxes.
With roughly 78% homestead occupancy, this is a low-turnover, owner-held community rather than an investor churn. That means inventory here is thin by nature, and when a home does list, its price reflects how much work the current owner did — expect a wide spread on comparable square footage depending on kitchens, roofs, and systems that are now two decades old.
The 60-Second Overview
A compact, owner-occupied enclave of early-2000s homes in Fleming Island, Clay County — the kind of place where listings are scarce and each sale is its own negotiation rather than a repeat of the last one.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Bay Harbour is best for.
Best for
- Buyers seeking a right-sized single-family home around 1,900 square feet in an established Clay County setting
- Long-hold owners who value stability and low turnover over rapid resale churn
- Buyers willing to budget for aging-systems updates in exchange for a settled, built-out community
Probably not for
- Buyers who want new construction or the latest floor plans
- Investors chasing high-turnover rental inventory
- Buyers who need a wide menu of listings to choose from right now
The market around Bay Harbour
Bay Harbour is too small for its own price trend, so here is the market around it.
In ZIP 32003, 153 homes are on the market and 35% are under contract — a fast-moving corner of Fleming Island.
Across Clay County, 1,267 homes are active and 451 pending (26% under contract).
ZIP and county figures describe the wider market, not Bay Harbour specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Bay Harbour, Fleming Island
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The Bay Harbour buying strategy.
If we were buying in Bay Harbour today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Bay Harbour.
A small, uniform-age pocket
Everything here was built inside a four-year stretch, with a median build year of 2002. That uniformity is a double edge: floor plans and construction quality are consistent, but so is the maintenance clock. Roofs, HVAC, water heaters, and original kitchens are all aging on roughly the same schedule, so due diligence on systems matters more than in a mixed-age neighborhood.
At about 1,897 square feet median, these are right-sized single-family homes for buyers who want space without a sprawling footprint. The high homestead share signals people tend to stay, which keeps the community stable but also keeps supply constrained — the practical takeaway is that when the home you want appears, it may not repeat soon.
The location and the amenities are priced into every listing in Bay Harbour. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 37-home community with low turnover, a single recent sale can move the whole comp picture — and the range between a well-updated home and a dated one on the same square footage can be significant. We track this pocket closely, read each listing on its condition rather than a blanket per-foot number, and tell you plainly whether a given asking price reflects the work done or just the seller's hopes.
Bay Harbour in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Bay Harbour buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Bay Harbour sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Bay Harbour, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Bay Harbour home worth?
Get a no-obligation home value based on real comparable sales in Bay Harbour, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Fleming Island →
Should you buy in Bay Harbour?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2001 (5 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Bay Harbour fits the bigger picture — live prices, inventory, and Momentum Scores:
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Clay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Clay County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.