Covington
Homes for Sale in Fleming Island, FL

By Jon Brooks, Co-Founder, Momentum Realty · Updated October 1, 2026

Buying in Fleming Island? Get matched with a local agent →Selling? Get your Fleming Island home value →or call (904) 351-6461

All 127 homes for sale in Fleming Island, FL · median $494,000 · 110 homes for sale in 32003 · Clay County homes for sale

Community in Fleming Island · Clay County · ZIP 32003

Free · No obligation

Talk to a Covington Expert

True comps, carrying-cost math, and listings before the portals.

Built fromLive realMLS data6 years of closingsUpdated twice daily

As of October 2026, the MLS records 4 closed sales in Covington in Fleming Island, FL since 2020, the most recent in February 2026. Across Fleming Island as a whole, 271 homes closed in the last 12 months at a median of $460,000, 30 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).

Live · Covington Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)

Tempo

0 · 0

For sale · pending

live counts, refreshed twice daily

The Area Market

The market around Covington

Covington is too small for its own price trend, so here is the market around it.

In ZIP 32003, 145 homes are on the market and 35% are under contract — a fast-moving corner of Fleming Island.

Across Clay County, 1,203 homes are active and 481 pending (29% under contract).

ZIP and county figures describe the wider market, not Covington specifically. Momentum Research analysis of MLS records.

Schools

In short

Clay County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available

Thunderbolt Elementary SchoolFLDOE grade A · Public, Clay County (confirm current zoning)
Green Cove Springs Junior High SchoolFLDOE grade A · Public, Clay County (confirm current zoning)
Fleming Island High SchoolFLDOE grade A · Public, Clay County (confirm current zoning)

Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Clay County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Covington address.

The Strategy

The Covington buying strategy.

If we were buying in Covington 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.

“

The location and the amenities are priced into every listing in Covington. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Covington homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Covington.

In short

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.

Run Your Numbers

Tools for a Covington buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxClay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Covington.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Covington sales matched to your home.

Selling in Covington

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in Covington, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.

What is your Covington home worth?

Get a no-obligation home value based on real comparable sales in Covington, 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 homes for sale in Covington on the map →

Real comps, not an automated estimate.

Recently off market in Covington

Homes in Covington that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.

1734 Covington Lane · off market

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.

$2,052/mo

Clay County typical true cost to own

$99/mo

Clay County typical home insurance

Has a CDD

Bond assessment on top of taxes

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.

Covington (Fleming Island Plantation) Market Scorecard

No active listings

Covington (Fleming Island Plantation) is currently a no active listings market. Limited supply, a median asking price of n/a.

n/a

Months supply

n/a

Median list

$435,000

Median sold

n/a

Per sqft

n/a

Days on mkt

0/0/1

Active/Pend/Sold

Typical home value in the 32003 ZIP is $444,116, about 25.2% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

What schools serve Covington?

Covington is served by Clay County Public Schools, typically Thunderbolt Elementary School, Green Cove Springs Junior High School and Fleming Island High School. Confirm the exact zoning by address with the district.

Who is the best real estate agent for Covington?

The best agent for Covington is one who actively works Fleming Island and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Covington.

How do I find a top Fleming Island real estate agent who knows Covington?

Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Covington and the wider Fleming Island area.

Can Momentum Realty connect me with an agent for Covington?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Covington purchase or sale - no call center and no pressure.

Where is Covington, and what county is it in?

Covington is in Fleming Island, Clay County, FL, ZIP 32003.

Data sources & freshness

Live listings	realMLS, refreshed twice daily (last: July 9, 2026)
Under-contract shares	realMLS records, as of 2026-08-10
Schools	2025-26 district assignments + FLDOE school grades; verify with the district
Historical depth	Closed-sale records back to 2020 (4 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 your area 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.