Harbour Island
Homes for Sale in Fleming Island, FL
All 103 homes for sale in Fleming Island, FL · median $409,999 · 86 homes for sale in 32003 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via realMLS
As of November 2026, Harbour Island in Fleming Island, FL has 1 home for sale. As of November 2026, the MLS records 10 closed sales in Harbour Island in Fleming Island, FL since 2013, the most recent in February 2022. Across Fleming Island as a whole, 416 homes closed in the last 12 months at a median of $450,000, 27 median days on market, with 87 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $6,770 ($6,180 with the full homestead exemption).
Last 30 days in Harbour Island: 1 new listing (median asking $424,900). As of November 13, 2026, realMLS.
Harbour Island is a defined, finite pocket in Fleming Island: 166 homes built across a tight window from 1995 to 2002, with the median home dating to 1999 and sitting around 1,950 square feet. That consistency matters. When the housing stock is this uniform in age and size, price is driven less by square footage and more by condition, updates, and lot position. Two homes with nearly identical footprints can trade far apart based on whether kitchens, baths, roofs, and systems have been touched since the original build.
With homes now roughly a quarter-century old, the market here rewards the seller who has invested and penalizes the one who hasn't. Buyers should underwrite for updates on anything that still looks original. Sellers should not assume a neighbor's number transfers to their door without matching the work behind it. Expect a wide spread in outcomes for a neighborhood that looks homogeneous from the street.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Harbour Island is a small, self-contained enclave inside Fleming Island in Clay County, built out over a short late-1990s stretch, so the housing type is coherent rather than varied. The high owner-occupancy share (about 69% homestead) tells you this is a settled, low-churn community rather than an investor-heavy one.
realMLS (Northeast Florida) sales records identify 9 homes in Harbour Island that have changed hands since 2002, built between 1997 and 2000 (median 1998), with a median living area of about 1,912 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Harbour Island is best for.
Best for
- Buyers seeking a stable, owner-occupied enclave and willing to wait for the right listing in a limited-inventory community
- Buyers comfortable budgeting for updates on a home built in the late 1990s in exchange for an established location
- Move-in-focused buyers targeting an already-renovated home near the 1,950-sqft median
Probably not for
- Buyers who require new construction or the latest floor plans
- Buyers needing a large or highly customized footprint beyond this neighborhood's consistent mid-sized stock
- Investors wanting high turnover and abundant, ever-available inventory
The market around Harbour Island
Harbour Island is too small for its own price trend, so here is the market around it.
In ZIP 32003, 129 homes are on the market and 30% are under contract — a fast-moving corner of Fleming Island.
Across Clay County, 1,279 homes are active and 403 pending (24% under contract).
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.
ZIP and county figures describe the wider market, not Harbour Island specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Harbour Island
Live MLS inventory for Harbour 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 Harbour Island listings as of 2026-11-13, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
The Harbour Island buying strategy.
If we were buying in Harbour 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 Harbour Island.
A fixed stock where condition writes the price
Because the community was built between 1995 and 2002 with a median around 1,950 square feet, you are shopping a narrow band of home. That is an advantage for comparison — you can read the market cleanly — and a caution, because differentiation comes down to renovation quality, not floor plan novelty. The homes at the top of any given cycle here tend to be the ones that have been methodically maintained and modernized.
The homestead share near 69% signals stability: most doors are owner-occupied, turnover is measured, and inventory is limited by the fixed count of 166 homes. For a buyer that means patience — the right listing may not always be available. For a seller it means less direct competition at any moment, but also a buyer pool that will scrutinize condition closely against the few other choices.
The location and the amenities are priced into every listing in Harbour Island. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 166-home neighborhood where every house shares a similar age and size, the value question is entirely about condition and comps, and that is where local reading beats guesswork. We track what actually closes in and around Harbour Island, help buyers price the cost of pending updates before they offer, and help sellers position honest, verifiable improvements instead of chasing a neighbor's number. No inflated valuations, no promises about future prices — just a grounded read on this specific pocket of Fleming Island.
Harbour Island in 15 seconds.
Tools for a Harbour 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 Harbour Island sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbour 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 Harbour Island home worth?
Get a no-obligation home value based on real comparable sales in Harbour 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 all homes for sale in Fleming Island →
Every Home for Sale in Harbour Island Fleming Island Right Now (1)
All 1 active and pending Harbour Island Fleming Island listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1342 Portside Drive · $424,900 · 4 bd / 2 ba · listed Oct 29, 2026 · listed by Betances Brokerage Llc
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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
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Harbor Island Drive (2 homes on record)
Email me new listings in Harbour Island
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.
Ask an agent about Harbour Island
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbour Island will answer, and the answer is published on this page for the next buyer.
Recent Developments in Harbour Island
Development, infrastructure, retail, and school activity affecting Harbour Island, 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 less than a mile east of Harbour Island.
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 project is about 7 miles north of Harbour Island, elsewhere in Clay County.
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 9 miles northwest of Harbour Island.
Source: News4JAX - June 2026Builder Activity
Hyland Trail to bring over 3,000 homes to Lake Asbury in Clay County
News4Jax reported that Hyland Trail, along with the related Edenbrooke and The Glens communities, will bring more than 3,000 new homes to the Lake Asbury area of Clay County. Homes are being built by Dream Finders, Pulte and Lennar, with a Lodge amenity center featuring a beach-entry pool, splash zone, exercise facility and pickleball courts. Edenbrooke includes an age-restricted, low-maintenance home section.
What it may mean for the marketAdds a large volume of new single-family housing supply and a private amenity center to the Lake Asbury area, expanding for-sale inventory across a range of home sizes and price points. The project is about 7 miles west of Harbour Island, elsewhere in Clay County.
Source: News4Jax - 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 3 miles northwest of Harbour Island.
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.
29% 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 (2026-11-14).
Frequently Asked Questions
How many homes are in Harbour Island?
What share of Harbour Island is owner-occupied?
When were the homes in Harbour Island built?
Who is the best real estate agent for Harbour Island?
How do I find a top Fleming Island real estate agent who knows Harbour Island?
Can Momentum Realty connect me with an agent for Harbour Island?
Where is Harbour Island, and what county is it in?
How far is Harbour Island from downtown Jacksonville and the beach?
Should you buy in Harbour Island?
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) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 32003)) |
| Under-contract shares | realMLS records, as of 2026-11-12 |
| Historical depth | Closed-sale records back to 2013 (10 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 listings in Northeast Florida sold at 99.1% of final list price vs. 98.6% for the market, in a median 31 days vs. 41 (realMLS, 12 months to Nov 2026). A Momentum agent can price yours against live local comps.
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