Oak Creek
Homes for Sale in Fleming Island, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Oak Creek is a 109-home Fleming Island community built mostly between 1988 and 1998, with a median year built of 1992 and a median living area of 2,099 square feet. There is no clubhouse, pool, or amenity package showing up in current MLS listings, so what buyers are actually paying for is the house and lot itself — lot size, floor plan, and how much has been updated since the original build. That makes condition, not amenities, the swing factor on price here, and it's why the median of $492,500 ($202.75 per square foot) can undersell how wide the spread is between an untouched original and a fully renovated one.
The current read on the market is firm but not frantic. Homes are moving in a median of about 26.5 days, price is up 13.9% year-over-year and 125% since 2012, and the market heat score sits at 62 — solidly competitive without being a bidding-war environment. An 82.6% homestead share tells you most of Oak Creek is owner-occupied rather than investor-held, which tends to mean fewer bulk listings hitting at once and more one-off, condition-dependent decisions for both buyers and sellers to navigate.
Oak Creek right now
🟢 Still climbing. The trailing-12-month median ($492K) is up 13.9% from the prior 12 months ($432K) and up 125% since 2012. With about 5 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 (4 and 4 sales in the two windows).
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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
Oak Creek market snapshot (as of July 14, 2026): the median sale price is about $492K ($203 per sq ft over the trailing 12 months of closed sales), and a median 27 days on market for closed sales. The trailing-12-month median is up 14% from the prior 12 months and up 125% since 2012, computed from record-level realMLS closed sales (4 closings in the current window).
Oak Creek is a community of 109 homes in Fleming Island, Clay County, built between 1988 and 1998 (median 1992), with a median living area of about 2,099 square feet. 83% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Oak Creek is an established, single-family pocket of Fleming Island in Clay County, built out over a roughly decade-long window in the late 1980s and 1990s rather than as a single-phase subdivision, which is part of why home condition varies more than the community's amenity profile would suggest.
Who Oak Creek is best for.
Best for
- Buyers targeting a home near the community's $492,500 median who are comfortable budgeting for updates on an older (1988-1998) build.
- Buyers prioritizing an established Fleming Island location and living space (median 2,099 square feet) over a resort-style amenity package.
- Sellers with a well-updated home who want to price against a market moving at a median 26.5 days with a 62 heat score, rather than a stale listing.
Probably not for
- Buyers who want turnkey new construction rather than a home built between 1988 and 1998.
- Buyers whose budget requires amenities like a pool or clubhouse, since none are identified in current MLS listings for Oak Creek.
- Sellers hoping to price purely off the community's momentum without accounting for how much their specific home's condition affects value here.
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 ($492K) IS the median in the snapshot above, and the move from 2025 ($432K) IS the +13.9% one-year change.
Windows contain 3 to 9 sales each (4 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.
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.
34% 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 (2026-07-12).
The Oak Creek buying strategy.
If we were buying in Oak Creek 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 Oak Creek.
What actually sets the price in Oak Creek
With community amenities showing as none identified in current MLS listings, Oak Creek isn't selling on a clubhouse or a gated entrance — it's selling on the house. Original build years run 1988 to 1998, a median year built of 1992, and a median living area of 2,099 square feet, so the baseline product is a mid-size, established single-family home. From there, the value story is written by whatever has (or hasn't) been done to the kitchen, roof, and systems since the original build, which is the main reason the median price of $492,500 needs context rather than being treated as a flat asking point.
On pace, Oak Creek is a healthy but not overheated market: a median 26.5 days on market and a market heat score of 62 point to homes that sell in a reasonable window when priced to condition, not homes that get bid up regardless of shape. The longer-term trend line — up 13.9% over the past year and 125% since 2012 — shows sustained demand for this pocket of Fleming Island, and an 82.6% homestead share suggests the inventory that does hit the market tends to come from actual owners moving on, not a rotating investor portfolio.
The location and the amenities are priced into every listing in Oak Creek. 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 Oak Creek 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 (7.9). Basis: Long-Term Appreciation +125% since 2012; Recent Direction +13.9% year-over-year; Owner Commitment 83% owner-occupied; Pricing Power 94.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Because Oak Creek's value isn't set by an amenity package, pricing it well means pricing the individual home — its updates, its systems, its lot — against a build era that spans a full decade (1988 to 1998). Momentum's read on the current pace (a median 26.5 days on market, a heat score of 62, and 13.9% year-over-year appreciation) is what lets us tell a seller whether their specific home is a quick, well-priced listing or one that needs condition-driven pricing to move, and lets a buyer know when a listing at the $492,500 median is actually a deal versus a stretch.
Oak Creek 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 Oak Creek 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 Oak Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oak Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oak Creek home worth?
Get a no-obligation home value based on real comparable sales in Oak Creek, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Oak Creek?
How long do homes in Oak Creek take to sell?
How many homes are in Oak Creek?
What share of Oak Creek is owner-occupied?
When were the homes in Oak Creek built?
Do cash buyers compete in Oak Creek?
Have Oak Creek home prices gone up?
Who is the best real estate agent for Oak Creek?
How do I find a top Fleming Island real estate agent who knows Oak Creek?
Can Momentum Realty connect me with an agent for Oak Creek?
Should you buy in Oak Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (8 streets, ZIP 32003/32073)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2001 (135 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.
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