Community Details at a Glance
The Homes
Product
Established resale single-family homes, reported around 1,762 to 2,414 sq ft, three to four bedrooms and two to three baths, one- and two-story, built roughly 1991 to 1994; confirm the exact size and bed and bath count against the specific listing
Style
A mature, tree-lined established Fleming Island subdivision rather than a new-construction sales floor; homes are early-1990s builds, so condition and updates vary lot to lot and the buy usually turns on how much has been renovated
Scale
An established single-family neighborhood in the 32003 ZIP of Fleming Island, Clay County, that sits outside the big master-planned CDD communities; not gated and with no golf course on site
Distinct from
Not the same as the Oak Creek communities in Lakeland, Merritt Island, or the Riverview and Tampa area; this Oak Creek is in Fleming Island, Clay County, off Denmark Drive, so confirm which Oak Creek a listing or comp refers to
Costs & Fees
HOA
An HOA fee is reported around $300; confirm the exact current amount and whether it is billed annually or otherwise, and get in writing what it covers, with the Oak Creek Homeowners Association or its managing agent before you offer
CDD
No CDD is confirmed for this Oak Creek in Fleming Island, which is one of its draws versus the master-planned CDD communities nearby; verify the CDD line on the Clay County tax roll for the specific homesite before you write, since a CDD assessment would change the monthly carry
Reality
This is a lower-carrying-cost established subdivision; the appeal is Fleming Island schools and US-17 convenience with a modest HOA and no confirmed CDD, not a resort amenity campus, so the money is in the home rather than the fees
Amenities
Established community
A mature, tree-lined established neighborhood with an active homeowners association and an architectural review committee; confirm any shared common areas and what the HOA maintains in writing
No golf, not gated
There is no golf course and no manned gate here; this is a standard established single-family subdivision, so if a guard gate or on-site golf is the priority, this is not that community
Fleming Island convenience
Minutes to the US-17 retail corridor of Fleming Island for groceries, shops, dining, and services, with the larger Eagle Harbor and Fleming Island Plantation amenities and Clay County parks nearby
Schools and location
Zoned to the Clay County Fleming Island school chain by address, with quick US-17 access north toward Orange Park and Jacksonville and south toward Green Cove Springs; confirm the current zoning for a specific address
Location
Setting
Fleming Island, Clay County, ZIP 32003, off Denmark Drive; an established single-family subdivision outside the major master-planned CDD communities, with an approximate community position near 30.09, -81.71 that you should confirm for a specific homesite
Highways
Quick access to US-17, the main Fleming Island corridor, which runs north toward Orange Park, I-295, and Jacksonville and south toward Green Cove Springs and the Clay County seat
Errands
The Fleming Island US-17 retail corridor with its groceries, shops, and dining is minutes away, and the Eagle Harbor and Fleming Island Plantation commercial nodes are close by
The Homes & Style
Oak Creek is an established single-family subdivision in the 32003 ZIP of Fleming Island, in Clay County, that sits outside the big master-planned CDD communities nearby. Because it is an established neighborhood, this is a resale market, not an active new-construction sales floor.
The homes here are early-1990s builds, reported delivered roughly 1991 to 1994, so this is a mature, tree-lined neighborhood rather than a fresh subdivision. Aggregator sites report homes around 1,762 to 2,414 square feet, three to four bedrooms and two to three baths, one- and two-story; confirm the exact figures against the specific listing.
Because the homes are three decades old, condition and updates vary lot to lot, so the buy usually turns on how much a given home has been renovated, the roof and systems, and the lot rather than a builder floor plan. Reported closed prices have run roughly in the mid-$300,000s to around $550,000, with a reported median near the high $400,000s; confirm current resale comps with a local agent, since inventory is thin and pricing depends heavily on condition.
As always with an established resale, confirm the exact square footage, bedroom count, roof age, and any updates against the actual listing and inspection, since aggregator sites round and mislabel and a thirty-year-old home rewards careful diligence.
Oak Creek is the quiet version of Fleming Island: the schools and the US-17 convenience, an established address, and a modest fee, without buying into a master-planned CDD and its amenity bill.
Living Here
Living in Oak Creek is the quieter, lower-cost side of Fleming Island: an established, tree-lined neighborhood with the same schools and US-17 convenience as the bigger communities, without the amenity campus or the CDD line. Here are the questions buyers ask most.
Is Oak Creek gated or does it have golf?
No. Oak Creek is a standard established single-family subdivision; it is not gated and there is no golf course on site. If a manned gate or on-site golf is the priority, the master-planned Fleming Island communities are the better fit.
What is the trade versus Eagle Harbor or Fleming Island Plantation?
The trade is amenities and fees. Oak Creek gives up the resort amenity centers and the CDD-funded infrastructure of the master plans in exchange for lower carrying costs and an established address, while keeping the Fleming Island schools and the US-17 convenience.
How old are the homes?
Reported built roughly 1991 to 1994, so this is a mature neighborhood. Expect condition and updates to vary home to home, and budget diligence for roof, HVAC, and systems on a thirty-year-old house.
Where is it, exactly?
In the 32003 ZIP of Fleming Island, Clay County, off Denmark Drive, outside the major master-planned CDD communities. Quick US-17 access runs north toward Orange Park and Jacksonville and south toward Green Cove Springs. Confirm the exact position and school zoning for a specific address.
Before You Offer
- Confirm the HOA amount and frequency. Get the current fee, whether it is annual, and what it covers in writing from the Oak Creek Homeowners Association or its managing agent.
- Verify the CDD status. No CDD is confirmed, but check the CDD and non-ad-valorem lines on the Clay County tax roll for the specific homesite before you budget.
- Confirm the exact Oak Creek. Make sure any comp or listing refers to Oak Creek in Fleming Island, Clay County, not Lakeland, Merritt Island, Riverview, or an unrelated Oak Creek CDD.
- Pull real resale comps. Reported closed prices run roughly mid-$300,000s to around $550,000; condition drives price on a thirty-year-old home, so comp carefully.
- Inspect the older systems. Budget diligence for roof age, HVAC, plumbing, and prior updates on early-1990s construction.
- Confirm square footage and beds. Aggregators round and mislabel; verify against the actual listing and any survey.
- Confirm school zoning by address. Check current Fleming Island chain zoning with Clay County District Schools for the specific home.
- Confirm the true tax bill. Pull the actual Clay County tax record, not an estimate, so you know the full carry before you offer.
Oak Creek is one of those quietly sensible Fleming Island addresses: you get the schools and the US-17 convenience that draw people to Eagle Harbor and Fleming Island Plantation, but with a modest HOA and, as far as we can confirm, no CDD line on the tax bill. For a buyer who cares more about the schools and the location than a resort amenity center, that is a real cost advantage.
The catch is that these are thirty-year-old homes, so condition varies and the diligence is on you. We represent you, not the seller, so we confirm the HOA amount and frequency, verify the CDD status on the Clay County roll, make sure you are actually looking at the Fleming Island Oak Creek and not one of the several others, and scope the inspection to an early-1990s house before you commit.
Comparisons
Oak Creek competes for the buyer who wants the Fleming Island schools and US-17 convenience without buying into a master-planned CDD community and its amenity fees. Here is how it stacks against the neighbors.
| Community | The trade versus Oak Creek |
|---|---|
| Eagle Harbor | The flagship master-planned Fleming Island community, with resort amenities and a golf pedigree, but a CDD and amenity fees; Oak Creek gives up the amenity campus for lower carrying costs. |
| Pace Island | A larger established gated master plan on the water with its own amenities; Oak Creek trades the gate and amenities for a simpler, lower-fee established subdivision. |
| Hibernia Plantation | Another established Fleming Island subdivision; both compete on schools and convenience, so the decision comes down to the specific home, lot, and confirmed fees. |
| Margaret's Walk | A newer Fleming Island community; Oak Creek offers an older home and a more established setting, so weigh age and updates against newer construction. |
The honest summary: Oak Creek wins on carrying cost, an established address, and keeping the Fleming Island schools and US-17 convenience, and gives ground on amenities, a gate, and the newer construction of the master plans and the newer subdivisions.
Not sure whether Oak Creek or a master-planned community fits your budget and priorities? We will run the numbers side by side.
Compare Fleming Island communities →Who It Fits
Oak Creek fits if you want
- The Fleming Island schools and US-17 convenience
- Lower carrying costs than the master-planned CDD communities
- An established, tree-lined single-family neighborhood
- A modest HOA and, as far as confirmed, no CDD
- An established address rather than new construction
- To be within minutes of the Fleming Island retail corridor
Consider elsewhere if you want
- A resort amenity center, clubhouse, or pool complex
- A manned guard gate or on-site golf
- Newer construction rather than an early-1990s home
- A large inventory of homes and deep price history
- To skip diligence on roof, HVAC, and systems
- A waterfront or gated setting
