Eagle Harbor in Fleming Island

Eagle Harbor
Homes for Sale in Fleming Island, FL

All 132 homes for sale in Fleming Island, FL · median $499,950 · 119 homes for sale in 32003 · Clay County homes for sale

Community in Fleming Island · Clay County · ZIP 32003
239 homesBuilt 1995–2003Median sale $560K
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True comps, carrying-cost math, and listings before the portals.

Live Market Pulse
56/100
Market Heat
Normal for Eagle Harbor
2013 → 2026 · 90 at the 2022 peak
0 is Eagle Harbor's coldest market since 2013, 100 its hottest. Today: 56. How it's scored
Built fromLive realMLS data25 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Eagle Harbor in Fleming Island, FL has 16 homes for sale and 5 pending, asking from $288,000 to $975,000 (median $519,950). Over the 12 months ending 2026-10-23, 101 recorded sales closed at a median of $560,000, $214 per square foot, a median 22 days on market, sellers accepting 98% of original asking (+4% versus the prior year). Homes listed or recently sold were built 1993–2010; 33 of 33 report an HOA (median $5/mo); 2 of the 33 geocoded homes sit in a FEMA special flood hazard zone (median elevation 16 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $8,430 ($7,830 with the full homestead exemption).

Neighborhoods in the Eagle Harbor area

MLS subdivisions in the same ZIP codes within Fleming Island, FL, placed by location around Eagle Harbor (distance from the community centre). They are not necessarily part of the Eagle Harbor plan.

Villages & sections of Eagle Harbor

Eagle Harbor in Fleming Island, FL is a master-planned community recorded as 5 named villages and sections in the MLS; 2 homes are for sale or pending across them today. Each village has its own page with its listings, sales history and HOA/CDD facts.

Momentum Realty in Eagle Harbor: our agents closed 2 homes here for buyers and sellers in the last 12 months (brokerage closed records through October 2026). Find the right Momentum agent in Fleming Island →

Last 30 days in Eagle Harbor: 2 new listings (median asking $312,500), 5 under contract right now, 10 closed sales (median $550,000). As of October 24, 2026, realMLS.

Live · Eagle Harbor Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$560K ▲
Median sold · 12 mo
up 3.7% vs the prior 12 months
+3.7% ▲
1-yr price change
n = 101 and 88 sales in the two windows
$214/sf
Sold $/sqft · 12 mo
peak $228 in 2024
97.5%
Sale vs ask
Clay median: 96.7%
+123%
T12M median vs 2012
from a $251K median in 2012
Tempo
16.0mo
Supply
3 to 6 months is the balanced band
22days
Median DOM · closed
17 days at the 2021 low
30%
Under contract
Clay: 25% (459 of 1,863)
16 · 7
For sale · pending
live counts, refreshed twice daily
101
Sold · last 12 mo
10-yr average: about 155 a year
Ownership and context
73%
Owner-occupied · Eagle Harbor
175 of 239 parcels homesteaded (FL DOR 2025)
27%
Non-owner-occupied · Eagle Harbor
incl. 3% trust or LLC-held · 8% out-of-state
239
Homes in the community
239 residential parcels (FL DOR 2025)
Track record · 25 years of records
21
Recorded sales · 2024-2025
median $475K · qualified sales on the county roll (FL DOR 2025)
1995–2003
Years homes were built
median 2001 · county roll (FL DOR 2025)
2,685sqft
Median sold home size
12-mo windows, closed sales
42.3%/yr
Turnover rate
about 101 of 239 homes trade a year

Eagle Harbor (Fleming Island, FL): Homes, Prices & What to Know (Q4 2026 update)

Eagle Harbor is an established Fleming Island master plan with a $565,000 median sold price, 22 days to sell, and golf and boat dock amenities. Numbers from realMLS, county property appraisers and public records, refreshed nightly on this page.

Eagle Harbor (Fleming Island, FL): Homes, Prices & What to Know (Q4 2026 update)

2 min 10 s · Momentum Realty on YouTube · data from realMLS, St. Johns County Property Appraiser, Citizens, FEMA · Equal Housing Opportunity

Key moments

Transcript

Eagle Harbor, in Fleming Island, is a Clay County master-planned community where homes sold for a median of 565,000 dollars over the last 12 months, up 4.6 percent. Here's what that means if you're watching this one.

Eagle Harbor is a master-planned community in Fleming Island, in Clay County, established in 1995 and recorded as 5 villages and sections in the MLS. Amenities reported include pools, a clubhouse, a golf course, tennis, pickleball, a boat dock, and RV and boat storage. Verify access and fees with the HOA.

In the last 12 months, 100 homes sold at a median of 565,000 dollars, up 4.6 percent on 100 sales against 88. That's 214 dollars a square foot, in a median of 22 days, at 97 point 5 percent of asking, above Clay's 96.6. Right now 15 homes are listed and 12 are pending. Across Fleming Island, 146 homes closed at a median of 460,000 dollars.

Listings shown range from 300,000 to 1 million dollars, so price per square foot, 214 dollars here, is a better yardstick than the median. With 12 pending against 15 active, quick decisions are typical, though that's not a promise. Verify HOA dues, golf and boat dock access, and any CDD in writing.

The page shows current owners' property tax bills at a median of 6,435 dollars a year, and about 7,200 dollars with homestead at the 519,950 dollar median asking price, with Clay County at 15 point 053 mills. HOA dues aren't reported consistently in the listing data here, so ask for the current dues and what they cover. Median build year is 2000, so budget for a roof report. Get insurance quoted by address.

Get an email the moment new homes list: the alerts box is on the Eagle Harbor page at move with momentum dot com, updated every night. I'm Jon Brooks with Momentum Realty.

Homes For Sale Right Now in Eagle Harbor

Live MLS inventory for Eagle Harbor. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Eagle Harbor listings as of 2026-10-23, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 14, 2026

Eagle Harbor's pricing is set by relatively new construction rather than by scarcity of the neighborhood itself: a median year built of 2019 (with most homes going up between 2017 and 2020) and a median living area of 2,278 square feet put the community's $560K median price at roughly $217.05 per square foot. That build era, not lot size or age, is the biggest single driver of what a buyer pays here.

The current posture is seller-leaning but not overheated. Months of supply sit at 2.8, active listings number just 22, and the median 22 days on market means offers are still moving at a normal-to-brisk pace rather than a scramble. The median price is actually down 0.9% year over year even after climbing 125% since 2012, which tells a seller that the long arc has been strongly favorable but the last twelve months have been essentially flat to slightly softer — price this one on condition and current comps, not on the five-year chart.

Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Eagle Harbor Housing Pulse · Momentum Research · as of October 23, 2026

Eagle Harbor right now

🟢 Buyer-leaning market. 16.0 months of supply and 30% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 23, 2026. Confidence: Very High (23 active and pending listings, 101 closed sales in 12 months).

🟡 Still climbing. The trailing-12-month median ($560K) is up 3.7% from the prior 12 months ($540K) and up 123% since 2012.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 23. Confidence: Very High (101 and 88 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 24, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Eagle Harbor market snapshot (as of October 23, 2026): the median sale price is about $560K ($214 per sq ft over the trailing 12 months of closed sales), a median 22 days on market for closed sales, and 16.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 4% from the prior 12 months and up 123% since 2012, computed from record-level realMLS closed sales (101 closings in the current window).

In ZIP 32003 (Fleming Island), 458 homes closed in the last 12 months at a median of $455K ($214/sq ft), down 1.1% year over year, with a median 34 days on market. Right now 83 active and 28 pending listings put supply at about 8.5 months — a balanced market. See the live ZIP 32003 housing market and the Clay County market.

County records show 21 qualified sales in Eagle Harbor across 2024–2025 (9 in 2024, 12 in 2025), median $475,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Eagle Harbor: of 25 listing addresses checked against the FEMA National Flood Hazard Layer, 92% sit outside the FEMA Special Flood Hazard Area (Zone X); 8% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov.

Eagle Harbor is a community of 239 homes in Fleming Island, Clay County, built between 1995 and 2003 (median 2001), with a median living area of about 2,172 square feet. 73% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Eagle Harbor is a Fleming Island, Clay County community built out mostly from 2017 to 2020, with 99 homes tracked across this dataset and a wide bench of shared amenities — pool, clubhouse, golf course, tennis, pickleball, boat dock and launch among them — that go beyond a typical subdivision package.

Best for

  • A buyer with a budget near the $560K median who wants 2017-2020 construction rather than an older resale.
  • A buyer who specifically wants golf, boating, tennis and pickleball amenities bundled into one HOA rather than sought out separately.
  • A buyer who can move at the market's pace — a median 22 days on market and 2.8 months of supply reward a buyer ready to act.

Probably not for

  • A buyer who wants a broad range of price points to shop — the market here centers tightly on the $560K median with only 22 active listings.
  • A buyer looking for older or lower-priced stock to renovate — the 2017-2020 build range means the inventory skews newer, not toward fixer-upper value.
  • An investor planning to acquire at scale — a 62.6% homestead share indicates most homes here are owner-occupied rather than held as rental inventory.

Price History: What Homes Here Have Actually Sold For

Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($560K) IS the median in the snapshot above, and the move from 2025 ($540K) IS the +3.7% one-year change.

Windows contain 80 to 222 sales each (101 in the current window); every figure carries its sample size. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Median sale price · trailing 12 mo
$400K$600K20122014201620182020202220242026
Up 3.7% year over year; up 123% since 2012.
Every sale since 2001 · price vs size
$0$500K$1M$1.5M2k4k6k
3,095 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Sold $ per sq ft · trailing 12 mo
$100$150$20020122014201620182020202220242026
Up from $98 in 2012 to a $228 peak in 2024; $214 now.
Median days on market · closed sales
25507510020122014201620182020202220242026
17 days at the 2021 low; 22 now.
Sale price vs original ask · median
95%100%20122014201620182020202220242026
97.5% now vs Clay 96.7%.
Homes sold per 12-mo window
010020020122014201620182020202220242026
80 to 222 a year; 101 in the current window.
Indexed since 2012 · Eagle Harbor vs Clay
100200Clay +164%Eagle Harbor +123%20122014201620182020202220242026
Same realMLS record, indexed to 100 at 2012.
Market Heat · 0 coldest, 100 hottest in the record
20406080seller-leaningbuyer-leaning2014201620182020202220242026
90 at the 2022 peak, 17 in the troughs, 56 now. Same score as the hero card, full history.

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.

$2,129/mo
Clay County typical true cost to own
$99/mo
Clay County typical home insurance
Has a CDD
Bond assessment on top of taxes

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.

How much local inventory is already under contract

24% of homes for sale in Eagle Harbor are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-25).

Eagle Harbor Market Scorecard

Strong seller's market

Eagle Harbor is currently a strong seller's market. About 1.8 months of supply, a median asking price of $519,950, and homes go under contract in about 78 days.

1.8
Months supply
$519,950
Median list
$557,500
Median sold
$215
Per sqft
78
Days on mkt
16/5/104
Active/Pend/Sold

Typical home value in the 32003 ZIP is $441,073, about 25.0% 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.

Listing locations from realMLS. Map data © OpenStreetMap contributors.

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

The takeaway

Everyday stops around Eagle Harbor are close: the nearest parks is about 3 minutes away.

Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.

Nearby Communities

Explore more neighborhoods near Eagle Harbor with Momentum Realty’s local guides.

Country Walk Orange Park0.2 mi away · 99 homes, built 1997–06Timber Woods Orange Park0.2 mi away · 72 homes, built 2002–03Players Club Orange Park0.2 mi awayPreserve At Eagle Harbor0.3 mi awayBlack Creek At Eagle Harbor0.3 mi awayStone Creek At Eagle Harbor0.3 mi awayWards Landing Orange Park0.3 mi away · 12 homes, built 1998–01

Browse all neighborhood guides →

Schools

In short
  • Clay County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Fleming Island Elementary SchoolFLDOE grade A · Public PreK-5 (in the community)
  • Lakeside Junior High SchoolFLDOE grade A · Public 6-8 (zoning varies by address)
  • Fleming Island High SchoolFLDOE grade A · Public 9-12

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 Eagle Harbor address.

Recent Developments in Eagle Harbor

Development, infrastructure, retail, and school activity affecting Eagle Harbor, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.

Dev Momentum61/100 · Active
  1. September 2026
    Infrastructure

    County Road 220 bridge replacement and four lane widening over Little Black Creek opens to traffic

    Clay County announced that its County Road 220 project is complete and open to traffic ahead of schedule. The work replaced the 1947 bridge over Little Black Creek with a four lane span and improved the Rideout Ferry Road intersection.

    What it may mean for the marketFull four lane capacity on CR 220 could ease drive times between Fleming Island and Middleburg, a practical factor for homes along the corridor.

    Source: News4Jax
  2. May 2026
    Infrastructure

    Resurfacing underway on County Road 220, Town Center Boulevard and US 17

    Clay County's road and lane closure report for late May 2026 details nighttime milling and resurfacing on County Road 220 from US 17 to Arena Road, with crews then shifting to Town Center Boulevard between Eagle Harbor Parkway and East-West Parkway. The report also notes FDOT began a 5.3 million dollar US 17 resurfacing project from Doctors Inlet to Wells Road the week of May 25, with completion expected in early 2027.

    What it may mean for the marketCoordinated repaving of the main Fleming Island connectors may improve pavement condition and traffic flow once complete, though residents could see short-term nighttime lane closures.

    Source: Clay County, FL Newsroom
  3. March 2026
    Market

    Fleming Island Medical Plaza sells for 24.12 million dollars

    SG Property Services of Atlanta, buying through Fleming Island MOB Owner LLC, acquired the Fleming Island Medical Plaza for 24.12 million dollars, the Jacksonville Daily Record reported. The firm specializes in health care real estate development and acquisitions.

    What it may mean for the marketInstitutional capital acquiring medical office space on Fleming Island may reflect confidence in long-term service demand along the US 17 corridor, which historically tracks with stable residential occupancy.

    Source: Jacksonville Daily Record
  4. January 2026
    Retail & Dining

    Grumpy's Restaurant plans Fleming Island location on East West Parkway

    Grumpy's, a breakfast, lunch and brunch concept, is planning its sixth location in the former Dick's Wings space at 1803 East West Parkway on Fleming Island, the Jacksonville Daily Record reported. The opening is targeted for the second quarter of 2026.

    What it may mean for the marketBackfilling a restaurant space that closed in 2023 could reduce visible vacancy near the Eagle Harbor retail core, which may support leasing momentum at neighboring centers.

    Source: Jacksonville Daily Record
  5. August 2025
    Infrastructure

    First Coast Expressway segment connecting to US 17 opens ahead of schedule

    News4Jax reported the second Clay County phase of the First Coast Expressway, an 18 mile stretch from SR 21 near Middleburg to US 17 south of Green Cove Springs, opened in August 2025, well ahead of its original spring 2026 projection. The toll road gives Fleming Island area drivers a new limited-access route toward I-10 and the Jacksonville westside.

    What it may mean for the marketA completed expressway link to US 17 could redistribute regional commute patterns around Fleming Island, and new limited-access capacity has historically broadened the buyer pool for nearby communities.

    Source: News4Jax
  6. June 2025
    Retail & Dining

    Aldi opens Fleming Island grocery store on County Road 220

    Aldi opened a store June 26 at 1545 County Road 220 on Fleming Island, converting a former Winn-Dixie space, the Jacksonville Daily Record reported. It became the discount grocer's third Clay County location.

    What it may mean for the marketA second-generation grocery backfill on CR 220 may add price competition and convenience for Eagle Harbor and Fleming Island households, which could modestly strengthen the corridor's retail draw.

    Source: Jacksonville Daily Record
  7. June 2025
    Retail & Dining

    Parker's Kitchen plans US 17 and Creighton Road convenience store

    Parker's Kitchen filed a permit application for a roughly 5,204 square foot convenience store with fueling islands and about 51 parking spaces at US 17 and Creighton Road on Fleming Island, per the Jacksonville Daily Record. The Savannah-based chain pairs fuel service with a full food-service kitchen.

    What it may mean for the marketNew fuel and food-service investment at a US 17 intersection may indicate operators expect traffic growth on the corridor as the First Coast Expressway connection matures.

    Source: Jacksonville Daily Record

Development alerts for Eagle HarborGet a short monthly email when something new is approved, funded, or opens near Eagle Harbor.

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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.

If we were buying in Eagle Harbor today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Eagle Harbor.

Best Buy
Buyers who want newer construction — built mostly 2017-2020 — with a full slate of shared amenities in Fleming Island.
Biggest Risk
The median price is down 0.9% year over year even as inventory stays tight, so recent comps matter more than the longer trend line.
Sweet Spot
A move-in-ready home near the 2,278 median square feet, priced around the $560K median, for a buyer who values amenities over renovation potential.
Avoid If
A buyer needs a wide selection to compare — only 22 active listings and 2.8 months of supply mean thin choice at any given moment.

A Built-Out Community In Its First Resale Cycle

With a median year built of 2019 and a full build range of 2017-2020, Eagle Harbor is still early in its resale life — most owners are the first or second to hold title, and the housing stock is uniform enough in age that condition and updates, not decade of construction, separate one listing from the next. At 2,278 median square feet, homes here run larger than a starter footprint, which is part of why the $560K median and $217.05 per square foot land where they do.

Supply is the number to watch: 22 active listings against 2.8 months of supply is tight, and a 62.6% homestead share suggests the majority of homes are owner-occupied rather than held as rentals or second homes, which tends to keep turnover steady rather than sudden. A market heat score of 52 reads as moderately active — busy enough to move at 22 median days on market, not so hot that a buyer should expect a bidding war on every listing. The amenity list (pool, clubhouse, tennis, pickleball, golf course, boat dock and launch, RV/boat storage, restaurant, playground, jogging path) is reported across this community's MLS listings — worth confirming current access and any HOA fees directly with the HOA before writing an offer.

“

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

Jon Brooks · Founder, Momentum Realty
6.1C+ · Buy Score
Long-Term Appreciation7.9/10
Recent Direction6.9/10
Liquidity & Demand0.0/10
Owner Commitment7.3/10
Pricing Power8.4/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (6.1). Basis: Long-Term Appreciation +123% since 2012; Recent Direction +3.7% year-over-year; Liquidity & Demand 16.0 months of supply; Owner Commitment 73% owner-occupied; Pricing Power 97.5% sale-to-list. Refreshed with each data update.

Why work with Momentum here

A community this amenity-dense with only 22 active listings and 2.8 months of supply rewards an agent who is tracking inventory in real time, not working off a stale search. We watch Eagle Harbor's median price, days on market and homestead mix alongside the broader Fleming Island feed so a buyer knows whether a given listing is priced to the current seller-leaning market or still anchored to last year's numbers, and so a seller understands why the year-over-year figure and the since-2012 figure tell two different stories.

Eagle Harbor in 15 seconds.

Best forBuyers who want newer construction — built mostly 2017-2020 — with a full slate of shared amenities in Fleming Island.
Biggest advantageAn amenity package that goes beyond the standard clubhouse-and-pool: golf course, tennis, pickleball, boat dock and launch, and RV/boat storage.
Biggest riskThe median price is down 0.9% year over year even as inventory stays tight, so recent comps matter more than the longer trend line.
Sweet spotA move-in-ready home near the 2,278 median square feet, priced around the $560K median, for a buyer who values amenities over renovation potential.
Avoid ifA buyer needs a wide selection to compare — only 22 active listings and 2.8 months of supply mean thin choice at any given moment.

What it really costs to own in Eagle Harbor

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $6,272/yr across 9 listings here (MLS tax records, 2026-10-24). Buy at today's median asking price of $519,950 and the first-year bill resets to about $7,200 with homestead (Clay County total millage 15.053 mills, FY2025-26, Clay County Property Appraiser, FY2025-26 adopted budget); municipal and district millage vary within the county.
HOA duesMLS listings here mostly enter dues as billed annually, but the median entry is only $60/year across 17 listings (2026-10-24), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues.
Home and flood insuranceThe average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 25 listing addresses checked against the FEMA flood map, 92% sit outside the high-risk zone and 8% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes).
Roof and ageMedian build year 1999 across 12 listings. An original roof here would be about 27 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails.

Email me new listings in Eagle Harbor

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Eagle Harbor

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Eagle Harbor will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Eagle Harbor 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 Eagle Harbor.
In short
  • Has a CDD assessment
  • HOA dues in listing data look inconsistent (~$60/year entered). Confirm current dues with the association
  • 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.

Flood & Insurance Context

Of 19 sampled listing addresses: 95% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 5% in an A-series SFHA zone.

Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.

Source: FEMA National Flood Hazard Layer, address-level lookups (n=19) · as of 2026-08

The takeaway

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

What is your Eagle Harbor home worth?

Get a no-obligation home value based on real comparable sales in Eagle Harbor, 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 →

Real comps, not an automated estimate.

Recently off market in Eagle Harbor

Homes in Eagle Harbor 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. 24 on record.

Eagle Harbor key facts
LocationFleming Island, Clay County, FL · ZIP 32003
Homes in the community239 (FL DOR 2025 assessment roll)
Years built1995–2003 (median 2001)
Typical living area2,172 sq ft (median)
Home types (current listings and sales)single-family 85%, townhouses 12%
Amenities listed by sellersPlayground, Tennis Court(s), Basketball Court, Clubhouse, Children's Pool, Golf Course
Sale prices, last 12 months$560,000 median across 101 closed sales · $214 per sq ft · +3.7% vs the prior 12 months
Days on market (closed sales)22 median
For sale right now16 active, 7 pending · median asking $519,950 · 16.0 months of supply
Owner-occupied (homestead) share73%
Zoned public schoolsFleming Island Elementary School (A, FLDOE 2025-26); Lakeside Junior High School (A, FLDOE 2025-26); Fleming Island High School (A, FLDOE 2025-26)
Momentum Realty closings here, last 12 months2

Data as of October 23, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Eagle Harbor key facts,” movewithmomentum.com/neighborhoods/eagle-harbor-fleming-island, data as of October 23, 2026.

Housing distress & ownership in Eagle Harbor, Fleming Island

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 3 listings
Median closed sale price — $556,100 · ▲ 2.3% yr (12-mo rolling)
Distress share trend — 0.0% now (2026-08-10 → 2026-10-22)

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.

Just listed in Eagle Harbor

The newest homes for sale in Eagle Harbor right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Every Home for Sale in Eagle Harbor Fleming Island Right Now (23)

All 23 active and pending Eagle Harbor Fleming Island listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Frequently Asked Questions

What is the median home price in Eagle Harbor?
The median sale price in Eagle Harbor was $560K over the 12 months ending October 23, 2026 (101 closed sales, realMLS).
How long do homes in Eagle Harbor take to sell?
Homes that closed in the 12 months ending October 23, 2026 took a median 22 days on market (101 sales, realMLS).
Is Eagle Harbor a buyer's or seller's market right now?
As of October 23, 2026, Eagle Harbor leans toward buyers: 16.0 months of supply at the current sales pace (realMLS live counts).
How many homes are in Eagle Harbor?
The Florida DOR 2025 assessment roll shows 239 homes in Eagle Harbor (public records).
What share of Eagle Harbor is owner-occupied?
73% of Eagle Harbor parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Eagle Harbor built?
Homes in Eagle Harbor were built between 1995 and 2003, with a median year built of 2001 (FL DOR 2025 roll).
Have Eagle Harbor home prices gone up?
The trailing-12-month median is up 123% since 2012, from $251K to $560K (realMLS closed records).
What schools serve Eagle Harbor?
Eagle Harbor is served by Clay County Public Schools, typically Fleming Island Elementary School, Lakeside 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 Eagle Harbor?
The best agent for Eagle Harbor 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 Eagle Harbor.
How do I find a top Fleming Island real estate agent who knows Eagle Harbor?
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 Eagle Harbor and the wider Fleming Island area.
Can Momentum Realty connect me with an agent for Eagle Harbor?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Eagle Harbor purchase or sale - no call center and no pressure.
Where is Eagle Harbor, and what county is it in?
Eagle Harbor is in Fleming Island, Clay County, FL, ZIP 32003. The community's center is about 2 miles southwest of the center of Fleming Island (straight-line).
How far is Eagle Harbor from downtown Jacksonville and the beach?
About 16 miles from downtown Jacksonville and about 22 miles from the Atlantic beach at Ponte Vedra Beach, both straight-line; driving distance is usually 15 to 30 percent more.
Is Eagle Harbor in a flood zone?
Partly. Of 25 homes we sampled in Eagle Harbor, 92% sit outside a FEMA Special Flood Hazard Area (Zone X) and 8% are inside one (Zone A or AE), where a lender requires flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map before you close; the flood section on this page shows the community's mix.
Is Eagle Harbor a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Eagle Harbor: the median sale price over the last 12 months was $560K (101 sales), 22% above the Fleming Island median of $460K; homes took a median 22 days to go under contract; the assessment roll counts 239 homes, 73% of them homesteaded (owner-occupied); listings report Fleming Island Elementary School (A), Lakeside Junior High School (A), Fleming Island High School (A) as the zoned schools, with FLDOE grades for 2025-26; supply is 16.0 months at the current sales pace, which favors buyers. The full numbers, price history and the flood and school sections are above.
How many homes has Momentum Realty sold in Eagle Harbor?
Momentum Realty's agents closed 2 homes in Eagle Harbor for buyers and sellers in the last 12 months (brokerage closed records through October 2026). The count is our brokerage's own closed transactions and is refreshed nightly; it is not a market total.
A buyer with a budget near the $560K median who wants 2017-2020 construction rather than an older resale.Excellent fit
A buyer who specifically wants golf, boating, tennis and pickleball amenities bundled into one HOA rather than sought out separately.Excellent fit
A buyer who can move at the market's pace — a median 22 days on market and 2.8 months of supply reward a buyer ready to act.Excellent fit
A buyer who wants a broad range of price points to shop — the market here centers tightly on the $560K median with only 22 active listings.Probably not
A buyer looking for older or lower-priced stock to renovate — the 2017-2020 build range means the inventory skews newer, not toward fixer-upper value.Probably not
An investor planning to acquire at scale — a 62.6% homestead share indicates most homes here are owner-occupied rather than held as rental inventory.Probably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: October 23, 2026)
Community market statsrealMLS closed sales, 12-month windows ending October 23, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (5 streets, ZIP 32003/32073/32203))
Under-contract sharesrealMLS records, as of 2026-10-20
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-sale records back to 2001 (3,095 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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More on Eagle Harbor

Thinking of selling in Eagle Harbor? 101 recorded closings; median 22 days on market (window ending 2026-10-23). See the Clay County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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