Habersham Harbour
Homes for Sale in Fleming Island, FL
All 103 homes for sale in Fleming Island, FL · median $409,999 · 87 homes for sale in 32003 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of MILLER & COMPANY REAL ESTATE · via realMLS
Over the 12 months ending 2026-11-12, 3 recorded sales closed at a median of $815,000, $301 per square foot, a median 7 days on market, sellers accepting 96% of original asking. Homes listed or recently sold were built 1988–1990; 3 of 3 report an HOA (median $66/mo); 1 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $12,270 ($11,670 with the full homestead exemption).
Last 30 days in Habersham Harbour: 1 closed sale (median $815,000). As of November 14, 2026, realMLS.
Price here follows the water, not the calendar. Homes in Habersham Harbour were built between 1986 and 2003, with a median year built of 1992 and a median living area of 2,234 square feet — a fairly tight band of size and age. What separates one sale from the next is proximity to the dock, boat launch, and RV/boat storage this community carries as shared amenities, alongside the clubhouse, pool, tennis courts, and playground. A home closer to the water or the launch will draw differently than one further from it, even at comparable square footage.
The current posture is buyer-leaning, but that isn't a flood of choices — there are only 2 active listings and just 1 closing recorded in this window, against 24 months of supply. With this few data points, a single new listing or closing can swing the read on value more than it would in a deeper market. About 85% of the 133 homes here carry a homestead exemption, pointing to limited investor or rental turnover, which is part of why so few homes come to market at once.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Habersham Harbour 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
Habersham Harbour market snapshot (as of November 12, 2026): the median sale price is about $815K ($301 per sq ft over the trailing 12 months of closed sales), and a median 7 days on market for closed sales.
In ZIP 32003 (Fleming Island), 401 homes closed in the last 12 months at a median of $468K ($215/sq ft), down 0.3% year over year, with a median 32 days on market. Right now 74 active and 21 pending listings put supply at about 2.2 months — a healthy market. See the live ZIP 32003 housing market and the Clay County market.
County records show 4 qualified sales in Habersham Harbour across 2024–2025 (3 in 2024, 1 in 2025), median $475,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Habersham Harbour is a community of 107 homes in Fleming Island, Clay County, built between 1986 and 1996 (median 1992.0), with a median living area of about 2,207 square feet. 83% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Habersham Harbour is a boating-access community on Fleming Island where dock, launch, and storage amenities do more to set a home's appeal than size or age alone — most homes here were built between 1986 and 2003.
The setting & the homes.
Aerial and on-site photos of Habersham Harbour. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Habersham HarbourPhotos from realMLS listings in Habersham Harbour; content deemed reliable but not guaranteed.
Who Habersham Harbour is best for.
Best for
- Buyers whose top priority is boat dock, launch, or RV/boat storage access rather than home size alone.
- Buyers comfortable waiting out a thin market for the right listing to surface.
- Buyers looking for an established build between 1986 and 2003 rather than new construction.
Probably not for
- Buyers who need to choose from several comparable active listings side by side right now.
- Buyers prioritizing the newest possible construction.
- Buyers on a tight closing timeline in a market that recorded only 1 closing this window.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending November 12 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($815K) IS the median in the snapshot above.
Windows contain 0 to 10 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
30% of homes for sale in ZIP 32003 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 (2026-11-12).
Habersham Harbour Market Scorecard
Habersham Harbour is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Habersham Harbour on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
Life at Habersham Harbour
- Tennis Court(s) · reported on 3 of 3 listings
- Boat Dock · reported on 2 of 3 listings
- Playground · reported on 2 of 3 listings
- RV/Boat Storage · reported on 2 of 3 listings
- Boat Launch · reported on 2 of 3 listings
- Pool · reported on 2 of 3 listings
- Clubhouse · reported on 1 of 3 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Fleming Island High School (Clay County School District), verify by address · High
- Lakeside Junior High School (Clay County School District), verify by address · Middle
- Fleming Island Elementary School (Clay County School District), verify by address · Elementary
Zoned schools reflect the assignments reported on recent Habersham Harbour listings 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 Habersham Harbour address.
Shop the zone: Homes zoned for Lakeside Middle School · Homes zoned for Fleming Island High School
The Habersham Harbour buying strategy.
If we were buying in Habersham 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 Habersham Harbour.
A thin, water-anchored market
Habersham Harbour is a community of 133 homes on Fleming Island, built out between 1986 and 2003 with a median year built of 1992. The typical home here runs 2,234 square feet of living space. What sets the community apart on paper is the amenity list attached to it: a boat dock, boat launch, RV/boat storage, a clubhouse, pool, tennis courts, and a playground — infrastructure that points to buyers prioritizing water access over raw interior square footage.
The transaction data right now is thin. This window shows 2 active listings and 1 closing, against 24 months of supply — conditions classified as buyer-leaning, though with volume this low any single sale can shift the picture. About 85% of the 133 homes carry a homestead exemption, which typically signals limited investor or rental turnover and helps explain why inventory stays this tight.
The location and the amenities are priced into every listing in Habersham Harbour. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin on active inventory, timing and access matter more than a search filter. Momentum tracks Habersham Harbour's listings as they come up, not after they've already gone under contract, and can walk you through what dock, launch, or storage access actually applies to a given address — details worth confirming directly with the HOA before you write an offer.
Habersham Harbour in 15 seconds.
Tools for a Habersham 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 Habersham Harbour sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Habersham 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 Habersham Harbour home worth?
Get a no-obligation home value based on real comparable sales in Habersham 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 →
Recently off market in Habersham Harbour
Homes in Habersham Harbour 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. 3 on record.
- 1846 Waterbury Lane · off market
- 1850 Waterbury Lane · off market
- 2346 Lavista Lane · off market
| Location | Fleming Island, Clay County, FL · ZIP 32003 |
|---|---|
| Amenities listed by sellers | Boat Launch, Playground, RV/Boat Storage, Tennis Court(s), Park, Water |
| Sale prices, last 12 months | $815,000 median across 3 closed sales · $301 per sq ft |
| Days on market (closed sales) | 7 median |
| For sale right now | 0 active, 0 pending |
| Zoned public schools | Fleming Island High School (Clay County School District), verify by address; Lakeside Junior High School (Clay County School District), verify by address; Fleming Island Elementary School (Clay County School District), verify by address |
Data as of November 12, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Habersham Harbour key facts,” movewithmomentum.com/neighborhoods/habersham-harbour-fleming-island, data as of November 12, 2026.
Recently sold in Habersham Harbour Fleming Island
- 1820 Waterbury Lane · sold $815,000
- 1846 Waterbury Lane · sold $1,360,000
- 1850 Waterbury Lane · sold $690,600
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Fleming Island guides & data
- Market data
- Cost of living
- Best neighborhoods
- Property taxes (Clay County)
- Homestead exemption (Clay County)
- Home insurance cost
- New construction
- New construction (Clay County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Recent Developments in Habersham Harbour
Development, infrastructure, retail, and school activity affecting Habersham Harbour, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Schools
Clay school district says one-mill referendum renews, not raises, property tax
The Clay County school district says the referendum on the upcoming ballot renews the one-mill levy voters first approved in 2020 at the same rate. The money funds school law enforcement contracts and compensation to retain and attract teachers and support staff. A citizens' advisory committee reviews spending, and the district says non-renewal would leave a funding shortfall.
What it may mean for the marketThe outcome sets school operating funding and staffing support for Clay County without changing the current millage rate. The site is about 8 miles southeast of Habersham Harbour.
Source: Clay Today - October 2026Retail & Dining
Grumpy's opens largest location yet on Fleming Island
Grumpy's opened at 1803 East-West Parkway in the former Dick's Wings and Grill space, with a Oct. 12 grand opening after benefit soft-opening dinners on Oct. 9 and 10. At 5,352 square feet it is the chain's largest of six Northeast Florida locations, seating up to 190. The owners plan a third restaurant.
What it may mean for the marketA large breakfast-and-lunch restaurant filling a vacant East-West Parkway space adds a dining option on Fleming Island. The site is about 2 miles east of Habersham Harbour.
Source: Clay Today - 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 2 miles west of Habersham Harbour.
Source: News4JAX - June 2026Development
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
What it may mean for the marketContinued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 11 miles northwest of Habersham Harbour.
Source: Jax Daily Record - 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 5 miles south of Habersham Harbour.
Source: Jax Daily Record - April 2026Development
Hillwood seeks to mass-grade an AllianceFlorida site for a possible 1 million-square-foot building
Hillwood asked to mass grade a site at AllianceFlorida at Cecil Commerce Center to prepare for a possible 1 million-square-foot building, a step that typically precedes a large industrial or distribution user committing to the Westside park.
What it may mean for the marketA build-ready million-square-foot pad points to a potential large employer on the Westside, the kind of jobs anchor that can lift demand for nearby housing. The site is about 11 miles northwest of Habersham Harbour.
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.
Frequently Asked Questions
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How far is Habersham Harbour from downtown Jacksonville and the beach?
Should you buy in Habersham Harbour?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: November 13, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending November 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 32003)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2011 (60 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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