Habersham Harbour
Homes for Sale in Fleming Island, FL
True comps, carrying-cost math, and listings before the portals.
Photo courtesy of MILLER & COMPANY REAL ESTATE · via 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.
Habersham Harbour right now
🟢 Buyer-leaning market. 24.0 months of supply and 0% 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 July 15, 2026. Confidence: Low (2 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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.
The market around Habersham Harbour
Habersham Harbour is a small community — 35 recorded sales on file, most recently in 2023 — too few for its own price trend. Here is the market around it.
In ZIP 32003, 115 homes are on the market and 34% are under contract — a fast-moving corner of Fleming Island.
Across Clay County, 725 homes are active and 300 pending (29% under contract).
The housing mix here is 99% single family residence, 1% townhouse.
ZIP and county figures describe the wider market, not Habersham Harbour specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Habersham Harbour
Live MLS inventory for Habersham Harbour. 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 Habersham Harbour listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
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, tiles © CARTO.
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.
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.
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.
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.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 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 homes for sale in Habersham Harbour on the map →
37% 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 (2026-07-18).
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.
Frequently Asked Questions
Is Habersham Harbour a buyer's or seller's market right now?
How many homes are in Habersham Harbour?
What share of Habersham Harbour is owner-occupied?
When were the homes in Habersham Harbour built?
Do cash buyers compete in Habersham Harbour?
What schools serve Habersham Harbour?
Who is the best real estate agent for Habersham Harbour?
How do I find a top Fleming Island real estate agent who knows Habersham Harbour?
Can Momentum Realty connect me with an agent for Habersham Harbour?
Should you buy in Habersham Harbour?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Habersham Harbour with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (7 streets, ZIP 32003/32073/32210)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (84 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?
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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.
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