Harbor Island
Homes for Sale in Fleming Island, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Harbor Island is a tight, uniform pocket of Fleming Island: just 37 homes, all built within a narrow 1998-2002 window (median year built 2000), with a median living area of 1,848 square feet. That homogeneity means price here tracks condition and updates more than lot size or floor plan variety — at a median of $347,600 and $177 per square foot, the spread between well-kept and dated homes does the pricing work, not major differences in home design.
Right now the posture favors sellers on timing: zero active listings against 11 closings in the recent window means almost nothing is sitting, and the median 21 days on market confirms it. Prices are up 2.5% year over year and 112% since 2012, but with no current supply to compare against, buyers need to move quickly on anything that lists and sellers should not assume today's number is the ceiling — it is simply what recently cleared.
Harbor Island right now
🟡 Still climbing. The trailing-12-month median ($348K) is up 2.5% from the prior 12 months ($339K) and up 112% since 2012. With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending July 14. Confidence: Low (11 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Harbor Island market snapshot (as of July 14, 2026): the median sale price is about $348K ($177 per sq ft over the trailing 12 months of closed sales), and a median 21 days on market for closed sales. The trailing-12-month median is up 2% from the prior 12 months and up 112% since 2012, computed from record-level realMLS closed sales (11 closings in the current window).
Harbor Island is a community of 37 homes in Fleming Island, Clay County, built between 1998 and 2002 (median 2000), with a median living area of about 1,848 square feet. 54% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
With only 37 homes built in a five-year span two decades ago, Harbor Island trades less like a typical subdivision and more like a fixed set of similar assets — when one sells, it resets the comp for the rest of the community.
The setting & the homes.
Aerial and on-site photos of Harbor Island. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Harbor IslandPhotos from realMLS listings in Harbor Island; content deemed reliable but not guaranteed.
Who Harbor Island is best for.
Best for
- Buyers targeting a Fleming Island home from the 1998-2002 build era who are comfortable acting quickly when one comes up.
- Buyers with a budget centered near $347,600 who prioritize a controlled-access community over floor-plan variety.
- Sellers who want to list into a market with essentially no active competition.
Probably not for
- Buyers who need several homes to compare before deciding — inventory here is effectively zero right now.
- Buyers seeking new construction or a wide range of build years; this community's homes all date to 1998-2002.
- Buyers wanting to negotiate on price rather than compete for one of very few available homes.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($348K) IS the median in the snapshot above, and the move from 2025 ($339K) IS the +2.5% one-year change.
Windows contain 5 to 23 sales each (11 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.
Harbor Island Market Scorecard
Harbor Island is currently a strong seller's market. About 1.1 months of supply, a median asking price of $399,400, and homes go under contract in about 77 days.
Typical home value in the 32003 ZIP is $442,502, about 25.5% 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.
Homes For Sale Right Now in Harbor Island
Live MLS inventory for Harbor Island. 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 Harbor Island listings as of 2026-07-14, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
Harbor Island 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 Harbor Island
- Key Card Entry · reported on 1 of 5 listings
Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
How far is everything?
Everyday stops around Harbor Island are close: the nearest dining is about 3 minutes away.
- Hop Shing · Dining3 min
- Eagle Harbor Tennis · Parks3 min
- Publix · Groceries4 min
- Fleming Island · Shopping4 min
- Community Hospice and Palliative Care of Clay County · Health4 min
- Starbucks · Coffee5 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Clay County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Thunderbolt Elementary SchoolFLDOE grade A · Public elementary (current zoning, confirm)
- Green Cove Springs Junior High SchoolFLDOE grade A · Public junior high
- 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 Harbor Island address.
The Harbor Island buying strategy.
If we were buying in Harbor Island 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 Harbor Island.
A Small, Fixed Supply
Harbor Island's 37 homes were built between 1998 and 2002, with a median year built of 2000 and a median living area of 1,848 square feet — a genuinely narrow footprint for a community, which limits how much floor-plan variety a buyer will find. Just over half of homes here (54.1%) carry a homestead exemption, consistent with a base of owner-occupied property rather than a heavily transient rental mix.
Access is controlled by key card entry, reported across this community's MLS listings — buyers should verify current amenities and access directly with the HOA rather than assume the listing sheet is current. With a market heat score of 60 and zero active listings against 11 closings in the recent window, Harbor Island is trading in a tight, low-inventory pattern: homes move (median 21 days on market) but there is rarely more than one or two available at a time.
The location and the amenities are priced into every listing in Harbor Island. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbor Island buys, holds, and resells. Momentum Research; not an appraisal.
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 4 factors (7.2). Basis: Long-Term Appreciation +112% since 2012; Recent Direction +2.5% year-over-year; Owner Commitment 54% owner-occupied; Pricing Power 99.0% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small, comps are thin and every closing moves the median — Momentum tracks Harbor Island's actual closed sales as they happen rather than relying on stale automated estimates, so pricing a listing or making an offer here starts from what has genuinely sold, not a guess.
Harbor Island in 15 seconds.
HOA, CDD & Fees
- No CDD
- 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.
Page states no CDD.
Tools for a Harbor Island 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 Harbor Island sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Island, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Island home worth?
Get a no-obligation home value based on real comparable sales in Harbor Island, 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 Harbor Island on the map →
Frequently Asked Questions
What is the median home price in Harbor Island?
How long do homes in Harbor Island take to sell?
How many homes are in Harbor Island?
What share of Harbor Island is owner-occupied?
When were the homes in Harbor Island built?
Do cash buyers compete in Harbor Island?
Have Harbor Island home prices gone up?
What schools serve Harbor Island?
Who is the best real estate agent for Harbor Island?
How do I find a top Fleming Island real estate agent who knows Harbor Island?
Can Momentum Realty connect me with an agent for Harbor Island?
Should you buy in Harbor Island?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Harbor Island with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| 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 (335 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.
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