What's in this guide
- Executive Summary
- Quick Facts
- Community Overview & History
- Neighborhoods & Areas
- Real Estate Market
- Who Lives Here
- Schools
- Amenities & Lifestyle
- HOA, CDD & Costs
- Commute Analysis
- Shopping & Dining
- Pros & Cons
- Neighborhood Comparisons
- Hidden Things to Know
- Momentum Expert Insight
- Live Listings & Recent Sales
- Price History Since 2012
- Flood Zones & Insurance
- Internet & Connectivity
- The Tax Reality
- What Your Budget Buys
- The Future of the Area
- Resale Liquidity
- The Buyer Playbook
- Questions to Ask
- Mistakes to Avoid
- Frequently Asked Questions
Executive Summary
Lake Ridge Villas North is the gated entry tier of Fleming Island Plantation: about 360 attached homes (284 condos, 55 townhomes) from the early-2000s build, with the Splash Park literally next door.
Listings in 2026 ran roughly 210,000 to 305,000 dollars (a 3-bedroom example at 210,000; others 284,900 to 305,000), with the association fee reported near 253 dollars monthly.
The fee math is three layers deep: the community association, the Plantation master HOA, and the FIP CDD on the tax bill. Stack all three before comparing stickers.
Quick Facts
| Category | Detail |
|---|---|
| Location | Fleming Island Plantation, beside the Splash Park off Town Center Blvd |
| County | Clay County |
| ZIP code | 32003 |
| Homes | ~360 units: 284 condos in 48 buildings + 55 townhomes |
| Built | Early 2000s (association est. 2004) |
| Home sizes | About 1,200 to 1,800 square feet, 2 to 3 bedrooms |
| Amenities | Own gate, pool and clubhouse; full Fleming Island Plantation amenities next door |
| Schools | Clay County District Schools (confirm zoning by address) |
| Gate / HOA | Three fee layers: condo/villa association (~253/mo reported) + FIP master HOA + FIP CDD; stack them |
Community Overview & History
Three Lake Ridges, one island
Fleming Island carries Lake Ridge North and Lake Ridge South at Eagle Harbor, and Lake Ridge Villas North at Fleming Island Plantation: three separate communities, two master plans, one recurring buyer mix-up. This page covers the Plantation one, the gated attached-home community on Calming Water Drive.
How it feels on the ground today
The community reads as the Plantation in miniature: the gate, the pool, families walking to the Splash Park slide next door, and a mix of owners, downsizers, and tenants in the condo buildings.
The Community and What You Are Buying
Condos and townhomes share the gate but not the financing profile.
The condos
284 units across 48 buildings; the entry tier, with lender condo review applying.
The townhomes
55 units in 11 buildings; fee-simple-style financing usually runs simpler.
Splash Park side
Proximity to the Plantation water park is the location premium inside the gate.
Real Estate Market
Listings in 2026 ran roughly 210,000 to 305,000 dollars across both products; the band is wide because condos and townhomes price differently.
Demand rides the Fleming Island school lineup and the Splash Park; entry-tier product on this island is scarce.
Financing splits the market: townhome buyers finance conventionally, condo buyers should clear the questionnaire early.
Who Lives Here
Lake Ridge Villas North draws first-time buyers entering Fleming Island schools, Plantation downsizers who want the gate, and investors serving island rental demand.
Schools
Lake Ridge Villas North is served by Clay County District Schools, with attendance zones by home address. Confirm the exact zoning for a Lake Ridge Villas North address before you buy. The cited lineup is Thunderbolt Elementary, Green Cove Springs Junior High, and Fleming Island High; confirm current zoning.
Amenities & Lifestyle
Two amenity layers: inside the gate and across the street.
Own gate, pool, clubhouse
The community core.
The Splash Park
The Plantation water park with the slide sits next door; island summers start here.
Plantation network
Pools, tennis, basketball, playgrounds, golf pay-to-play.
Town Center retail
Groceries and daily needs at the Plantation edge.
HOA, CDD & Costs
The community association fee was reported near 253 dollars monthly; confirm current figure and what exterior scope it carries per product.
Add the Fleming Island Plantation master HOA and the FIP CDD on the tax bill; three layers total, so demand the full stack in writing.
Condo buildings carry lender-review requirements; order the questionnaire early.
Commute Analysis
| Destination | Typical drive |
|---|---|
| Fleming Island Town Center | About 3 minutes |
| US-17 corridor | About 5 minutes |
| NAS Jacksonville | About 25 minutes |
| Orange Park Mall area | About 15 minutes |
| Downtown Jacksonville | About 35 minutes |
Plantation position: Town Center in three, US-17 in five, the base at twenty-five.
Shopping & Dining
The Plantation Town Center carries the daily; Fleming Island US-17 retail does the rest.
Pros and Cons
Pros
- Gated entry tier of Fleming Island Plantation
- Splash Park next door
- Own pool plus the Plantation network
- Both condo and townhome products
- Island schools at attached-home pricing
Cons
- Three fee layers; stack them honestly
- Condo financing review on 284 of 360 units
- Early-2000s systems at replacement age
- Name confusion with two Eagle Harbor Lake Ridges
- Renter share affects some loan types
Lake Ridge Villas North vs. Comparable Communities
| Community | How it compares to Lake Ridge Villas North |
|---|---|
| Autumn Glen | The non-gated DRH townhome alternative at the Plantation south end. |
| Lake Ridge North at Eagle Harbor | The SAME-NAME different community at Eagle Harbor; do not confuse. |
| Eagle Harbor | The other island master plan, for CDD-stack comparison. |
Hidden Things Buyers Should Know
The name trap
Three Lake Ridges share this island; MLS records, lenders, and even appraisers mix them up. Confirm the address is Calming Water Drive area, Plantation side, before anything else.
Townhome arbitrage
The 55 townhomes finance simpler and resell broader than the condos; when one lists at condo-tier pricing, that is the unit to move on.
Splash Park sound
The water park next door is the amenity AND the summer soundtrack; visit on a Saturday before choosing the closest buildings.
Momentum Expert Insight
Lake Ridge Villas North is the gated value door of the Plantation, with the best kid amenity on the island across the street.
My advice is to verify which Lake Ridge you are actually buying, stack all three fee layers, and favor the townhomes when the spread is thin.
Selling a Home in Lake Ridge Villas North
We disambiguate the name in the listing itself and market the Splash Park adjacency hard.
Condo exits price to financing reality; townhome exits price to the island. Different strategies, same gate.
Get a no-obligation home value for your Lake Ridge Villas North home, based on real comparable sales in the community rather than an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
Whether you are buying, selling, or just gathering information about Lake Ridge Villas North, drop your details below. Every inquiry comes straight to us, and we will personally help you and connect you with the right agent. No obligation, no spam.
Flood Zones & Insurance
Clay County flooding concentrates near Black Creek, Doctors Lake, and low-lying and wetland areas, while many newer inland communities sit in lower-risk zones.
The reliable move is to pull the FEMA flood designation for the exact Lake Ridge Villas North address before you write an offer, since two homes in the same area can fall in different zones. A home in Zone X can cost far less to insure than one near water in Zone AE. Get a bindable flood and homeowners quote during your inspection period, so the cost is in your monthly math before you commit, not after.
Internet & Connectivity
The populated Clay County corridors are served by AT&T and Xfinity (Comcast), with fiber expanding and some gaps in the more rural western areas. If working from home matters, confirm the options, and fiber in particular, at the specific Lake Ridge Villas North address rather than assuming.
The Tax Reality
Clay County total millage is generally lower than the City of Jacksonville, though it varies by district and any CDD is billed separately. The Florida homestead exemption for 2026 is 51,411 dollars for those who qualify, and the deadline to file a new homestead exemption is March 1.
The trap to plan for is the post-sale reset: when you buy, the Save Our Homes cap from the previous owner ends and the assessed value resets to the new just value, so your second-year tax bill is often higher than the seller current one. Budget the true number, and confirm whether the specific home carries a CDD or other assessment that is billed separately from the millage and is not reduced by the homestead exemption.
What Your Budget Buys Here
The same budget buys very different homes across Lake Ridge Villas North and the surrounding area, depending on age, size, lot, and condition. Rather than anchor on the asking price or the neighborhood average, price any specific home off the most recent comparable sales, and weigh what your money would buy in the nearby alternatives before you commit.The Future of the Area
Clay County continues to grow, with new rooftops, retail, and road work reshaping parts of the area. That growth supports long-run demand, but it can also add competing inventory and construction traffic in the near term, so factor both the upside and the disruption into your timing and your pricing.Resale Liquidity
How quickly a Lake Ridge Villas North home resells comes down to presentation, condition, and pricing against the latest comparable sales rather than the neighborhood average. Homes that are priced correctly and shown well tend to move, while overpriced or dated homes sit. We track the active and sold comparable set so a Lake Ridge Villas North home is priced to the real market.The Lake Ridge Villas North Playbook
If you are buying in Lake Ridge Villas North, here is how we would approach it: pull the flood zone and a real insurance quote for the specific address, confirm the HOA dues and whether a CDD applies, compare what your budget would buy nearby, and price the home off the closest comparable sales rather than the asking price. If you are buying any new-construction home, bring your own agent before you register, since the on-site representative works for the builder, not for you.
Questions We Would Ask Before Buying Here
Ask the seller
- What flood zone is this exact address in?
- What are the HOA dues, and is there a CDD or special assessment?
- What did the last few comparable homes actually sell for?
- How old are the roof, HVAC, and water heater?
- What is the true second-year tax estimate after reassessment?
Ask yourself
- Does the commute to work, schools, and daily life actually work?
- Do I need fiber internet, and is it at this address?
- Am I pricing against the right comparable sales, not the average?
- Does the lot and the condition fit my budget and my resale plan?
Mistakes to Avoid
The common ones around Lake Ridge Villas North: trusting the seller current tax bill instead of the post-sale reset; skipping the address-specific flood check; assuming fiber is at every home; and pricing off the neighborhood average rather than the closest comparable sales. Each is avoidable with the right diligence, which is exactly where having your own agent pays off.
Frequently Asked Questions
Where is Lake Ridge Villas North?
Is this the Lake Ridge at Eagle Harbor?
How many units are there?
What do units cost?
What are the fees?
Is it gated?
What amenities come with it?
What schools serve it?
Is financing harder on the condos?
When was it built?
Can I rent a unit?
How far is the Town Center?
What should inspections focus on?
Is it a good investment?
Who should I call about Lake Ridge Villas North?
Do I need my own agent to buy here?
Related Reading
If you are weighing Lake Ridge Villas North against the island set, these guides are a good next step.