Oak Creek
Homes for Sale in Fleming Island, FL
All 134 homes for sale in Fleming Island, FL · median $499,950 · 114 homes for sale in 32003 · Clay County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Over the 12 months ending 2026-10-20, 4 recorded sales closed at a median of $535,000, $208 per square foot, a median 6 days on market, sellers accepting 100% of original asking (+30% versus the prior year). At the median price and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $8,050 ($7,460 with the full homestead exemption).

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.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Oak Creek right now
🟢 Still climbing. The trailing-12-month median ($535K) is up 30.2% from the prior 12 months ($411K) and up 145% 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 October 20. Confidence: Low (4 and 3 sales in the two windows).
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· Updated October 20, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Oak Creek right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Oak Creek market snapshot (as of October 20, 2026): the median sale price is about $535K ($208 per sq ft over the trailing 12 months of closed sales), and a median 7 days on market for closed sales. The trailing-12-month median is up 30% from the prior 12 months and up 145% since 2012, computed from record-level realMLS closed sales (4 closings in the current window).
In ZIP 32003 (Fleming Island), 459 homes closed in the last 12 months at a median of $455K ($214/sq ft), down 1.2% year over year, with a median 33 days on market. Right now 83 active and 34 pending listings put supply at about 3.7 months — a healthy market. See the live ZIP 32003 housing market and the Clay County market.
County records show 5 qualified sales in Oak Creek across 2024–2025 (3 in 2024, 2 in 2025), median $411,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 October 20 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($535K) IS the median in the snapshot above, and the move from 2025 ($411K) IS the +30.2% one-year change.
Windows contain 2 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.
33% 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 (2026-10-20).
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 (9.3). Basis: Long-Term Appreciation +145% since 2012; Recent Direction +30.2% year-over-year; Owner Commitment 83% owner-occupied; Pricing Power 100.0% 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.
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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Housing distress & ownership in Oak Creek, Fleming Island
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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Fleming Island guides & data
- Market data
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- Property taxes (Clay County)
- Homestead exemption (Clay County)
- Home insurance cost
- New construction
- New construction (Clay County)
Florida buyer guides
Email me new listings in Oak Creek
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 Oak Creek
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Oak Creek will answer, and the answer is published on this page for the next buyer.
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?
Have Oak Creek home prices gone up?
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Where is Oak Creek, and what county is it in?
How far is Oak Creek from downtown Jacksonville and the beach?
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 October 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (8 streets, ZIP 32003/32073)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Historical depth | Closed-sale records back to 2001 (136 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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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 local comps.
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See how Oak Creek fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Oak Creek with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Oak Creek. These are the public schools most often assigned to other communities in ZIP 32003; zones change and vary by address, so confirm with the district before you buy.
- Fleming Island High School · 9-12 (zoned; confirm by address) · FLDOE grade A (assigned to 34 nearby communities)
- Green Cove Springs Junior High School · 7-8 (zoned; confirm by address) · FLDOE grade A (assigned to 16 nearby communities)
- Thunderbolt Elementary School · (zoned; confirm by address) · FLDOE grade A (assigned to 9 nearby communities)
- Fleming Island Elementary School · PreK-5 (in the community) · FLDOE grade A (assigned to 8 nearby communities)
- Thunderbolt Elementary · K-5 · FLDOE grade A (assigned to 7 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).






