Covington Creek
Homes for Sale in Fleming Island, FL
All 134 homes for sale in Fleming Island, FL · median $499,950 · 114 homes for sale in 32003 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 17 closed sales in Covington Creek in Fleming Island, FL since 2003, the most recent in March 2024. Across Fleming Island as a whole, 250 homes closed in the last 12 months at a median of $460,000, 28 median days on market, with 93 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).
Covington Creek is a tightly defined pocket in Fleming Island — 58 homes, nearly all built in 2003 and 2004. That narrow construction window means the housing stock is remarkably consistent in age and layout, with a median of about 2,182 square feet. In a community this uniform, price is driven less by the neighborhood tier and more by condition and updates: an original-finish home and a renovated one can sit far apart on the same street.
With roughly three-quarters of homes homesteaded, this reads as an owner-occupied enclave rather than a rental play, and turnover is limited by the small size of the community. For sellers, that scarcity can work in your favor when inventory is thin. For buyers, patience matters — you may wait for the right floor plan to come available, and when it does, the deciding factor will usually be how much work the interior needs.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Covington Creek right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
A small, cohesive Fleming Island community of 58 early-2000s homes, largely owner-occupied, where the spread in value tracks how updated a given house is rather than differences in the homes' bones.
realMLS (Northeast Florida) sales records identify 7 homes in Covington Creek that have changed hands since 2003, built between 2003 and 2004 (median 2003), with a median living area of about 2,107 sq ft and a typical 4-bedroom, 2-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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 Covington Creek is best for.
Best for
- Owner-occupant buyers planning to stay put in a settled, low-turnover community
- Renovation-minded buyers willing to update an original-condition home to build value
- Buyers who want a predictable early-2000s home around 2,000+ square feet and can wait for the right one
Probably not for
- Buyers who need to choose from many active listings right now
- Buyers set on new construction or the latest floor plans
- Short-term investors counting on frequent turnover and rental churn
The market around Covington Creek
Covington Creek is too small for its own price trend, so here is the market around it.
In ZIP 32003, 172 homes are on the market and 33% are under contract — a fast-moving corner of Fleming Island.
Across Clay County, 1,405 homes are active and 462 pending (25% under contract).
In ZIP 32003 (Fleming Island), 459 homes closed in the last 12 months at a median of $455K ($214/sq ft), down 1.2% year over year, with a median 33 days on market. Right now 83 active and 34 pending listings put supply at about 3.7 months — a healthy market. See the live ZIP 32003 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Covington Creek specifically. Momentum Research analysis of MLS records.
The Covington Creek buying strategy.
If we were buying in Covington Creek 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 Covington Creek.
A uniform vintage, priced by condition
Because everything here was built within a two-year window, buyers are comparing homes that share the same era of construction, similar mechanical timelines, and a comparable footprint around the 2,182-square-foot median. That makes it easier to read value: once you've seen a few, you'll know quickly whether a listing is priced for its updates or for its original condition.
The homestead share tells you this is a stay-put community, not a churn of short-term holds. Listings surface less often than they would in a larger subdivision, so the practical strategy is to define your must-haves early — square footage, layout, level of renovation — and be ready to move when a fit appears.
The location and the amenities are priced into every listing in Covington Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 58-home community where the homes are near-identical in age, our edge is reading condition against price. We track what actually trades here, help sellers position an updated home so the work is credited, and keep buyers from overpaying for cosmetics — or missing a bones-solid home that just needs finishing.
Covington Creek in 15 seconds.
Tools for a Covington Creek 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 Covington Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Covington Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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Fleming Island guides & data
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Florida buyer guides
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Covington Lane (3 homes on record)
Recent Developments in Covington Creek
Development, infrastructure, retail, and school activity affecting Covington Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Schools
Loretto Elementary breaks ground on $12.3 million classroom addition
The addition will replace 13 portable classrooms and two aging pod buildings with 15 classrooms, a music room and a teacher planning room, and will expand the parent drop-off loop. The school enrolls 875 students for 2026-27. Funding comes from the voter-approved half-cent sales tax, with opening expected in 2028.
What it may mean for the marketExpanded permanent capacity and a longer drop-off loop affect school-area traffic and classroom availability in the Mandarin area. The site is about 4 miles north of Covington Creek.
Source: Hoodline - September 2026Infrastructure
County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County
The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.
What it may mean for the marketA four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 10 miles southwest of Covington Creek.
Source: News4JAX - September 2026Development
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
What it may mean for the marketNew hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 8 miles southeast of Covington Creek.
Source: Jacksonville Today - June 2026Infrastructure
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
What it may mean for the marketNew limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 11 miles southwest of Covington Creek.
Source: Jax Daily Record - May 2026Retail & Dining
Grocery-anchored retail center proposed in Durbin Park
A grocery-anchored retail center was proposed at Durbin Park, the large mixed-use development near Interstate 95 and County Road 210 in northern St. Johns County, adding to the district's existing stores, restaurants, and Walmart-anchored core.
What it may mean for the marketAdded grocery and retail at Durbin Park deepens everyday conveniences in northern St. Johns County, an amenity factor that can support demand for surrounding communities. The site is about 9 miles southeast of Covington Creek.
Source: Jax Daily Record - February 2026Retail & Dining
Durbin Park Walmart plans an expansion
The Walmart anchoring Durbin Park filed plans to expand in early 2026, reinforcing the retail core of the Interstate 95 and County Road 210 district in northern St. Johns County.
What it may mean for the marketInvestment in Durbin Park's retail anchor signals continued commercial strength in northern St. Johns County, which can reinforce the appeal of nearby residential areas. The site is about 9 miles southeast of Covington Creek.
Source: Jax Daily Record
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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Frequently Asked Questions
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What share of Covington Creek is owner-occupied?
When were the homes in Covington Creek built?
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Where is Covington Creek, and what county is it in?
How far is Covington Creek from downtown Jacksonville and the beach?
Should you buy in Covington Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32003)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Historical depth | Closed-sale records back to 2003 (17 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.
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Nearby Communities
Explore more neighborhoods near Covington Creek with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Covington Creek. These are the public schools most often assigned to other communities in ZIP 32003; zones change and vary by address, so confirm with the district before you buy.
- Fleming Island High School · 9-12 (zoned; confirm by address) · FLDOE grade A (assigned to 34 nearby communities)
- Green Cove Springs Junior High School · 7-8 (zoned; confirm by address) · FLDOE grade A (assigned to 16 nearby communities)
- Thunderbolt Elementary School · (zoned; confirm by address) · FLDOE grade A (assigned to 9 nearby communities)
- Fleming Island Elementary School · PreK-5 (in the community) · FLDOE grade A (assigned to 8 nearby communities)
- Thunderbolt Elementary · K-5 · FLDOE grade A (assigned to 7 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).