Townhome Communities in Clay County, FL

Looking for townhome communities in Clay County, FL? Momentum Realty tracks 13 Clay County communities with evidence of townhome and villa living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.

Clay County townhome communities at a glance

Communities tracked

$240,000

Median sale price

88 days

Median days on market

189

Recent closings

The communities, by recent sales activity

Community	City	Median price	1-yr change	Days on mkt
Atlantis Pointe · agent	Middleburg	$241,000	–	64 d
Corsair · agent	Middleburg	$269,000	-11.0%	30 d
The Landing at Brannan Field · agent	Middleburg	$245,000	–	64 d
Holly Cove Townhomes · agent	Orange Park	$223,000	-15.0%	42 d
The District at Oakleaf · agent	Middleburg	$272,000	–	88 d
Longbay Townhomes · agent	Middleburg	$234,000	-10.0%	101 d
Autumn Glen · agent	Fleming Island	$225,000	-14.0%	90 d
Baxley Villas · agent	Middleburg	$276,000	–	138 d
Plantation Village · agent	Orange Park	$188,000	–	90 d
Briar Oaks Townhomes · agent	Orange Park	$238,000	-13.0%	119 d
Kindlewood Forest · agent	Middleburg	$240,000	–	102 d
Westfield Park · agent	Middleburg	$245,000	–	86 d
Towering Oaks · agent	Orange Park	$160,000	-7.0%	126 d

Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.

What a townhome actually buys you in Florida

Townhomes and villas sit between condos and single-family homes: you typically own the structure and the lot beneath it, with the HOA maintaining exteriors, roofs, or grounds depending on the documents. That split is the whole game — read the declaration to learn exactly which parts of the building are yours to insure and repair. Ask specifically about roof responsibility and age: in Florida, who replaces the roof (you, the HOA, or shared) changes both your insurance quote and your reserves risk.

Fees and insurance are the comparison that matters

Compare townhome communities on the fee-to-coverage ratio: what the monthly fee actually maintains, the association’s master insurance versus what your HO-6 or HO-3 policy must cover, and the reserve balance behind shared roofs and exteriors. Our buyer closing costs calculator turns price plus dues into the real monthly number.

What it costs to own here

At Clay County’s typical combined millage of 15.05 mills, a purchase at $240,000 (the median across these townhome communities) generates roughly $3,613 a year in property tax before exemptions — about $301 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Clay County average about $1,189 a year ($99 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Clay County near $1,990 (principal and interest on the typical home, tax, and insurance).

Run your exact numbers: the property tax after purchase calculator uses Clay County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.

Demand and supply in Clay County right now

In the most recent IRS migration data (2022-2023), Clay County gained a net 3,611 people to relocation, with the largest inbound flows from CA, VA, NY. Households moving IN reported average incomes of $65,179 versus $61,245 for those leaving — the income mix of demand, straight from tax filings. Population is up about 7.8% over the recent multi-year window. On the supply side, builders pulled 1,522 residential permits in Clay County in 2025 (1,240 single-family), down 19.0% year over year — against 2,443 at the 2023 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 19.9% versus its income-and-rent fundamentals.

The Clay County market, in context

Clay County is the value play of Northeast Florida — more home for the money than St. Johns or the Duval beaches, with the well-regarded Clay County District Schools and an easy commute to Jacksonville's Southside and NAS Jacksonville. Growth is concentrated in Oakleaf, Fleming Island, and fast-rising Green Cove Springs along the new First Coast Expressway, which is reshaping where the county builds.

The economy behind the market: {'drivers': 'healthcare, retail and logistics, public sector, and a large Jacksonville commuter base', 'summary': "Clay County's economy leans on healthcare (Ascension St. Vincent's Clay County and nearby Orange Park Medical Center), retail and distribution along the US 17 and First Coast Expressway corridors, and a public sector led by the county school district and government. Just as important is what is across the river: a large share of Clay residents commute to Jacksonville's Southside and to Naval Air Station Jacksonville, so Duval's deep military, healthcare, and finance economy underwrites Clay housing demand.", 'employers': ['Clay County District Schools', 'Clay County government', "Ascension St. Vincent's Clay County", 'Orange Park Medical Center (HCA)', 'Walmart', 'Publix', 'First Coast Expressway corridor retail (Oakleaf)'], 'jobNote': "Many Clay residents commute to Jacksonville's Southside and NAS Jacksonville, so Duval's economy is a major demand driver."}

What could change it: Clay's risks are riverine flooding (Black Creek and the Doctors Lake/St. Johns shoreline can flood in major storms), rising insurance, and the growing pains of fast expressway-corridor development, including county budget pressure as commercial construction cools. Inland and away from the water, risk is comparatively low for Florida.

Near-term outlook: Expect Clay to stay the region's steady value market over the next 12 months. Demand from buyers priced out of St. Johns and Duval keeps a firm floor under prices, while heavy new construction along the First Coast Expressway keeps a lid on resale appreciation — a healthy, buyer-friendly balance.

Run the numbers in Clay County

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Common questions

How many townhome communities does Clay County, FL have?

Momentum Realty currently tracks 13 communities in Clay County with evidence of townhome and villa living in MLS or verified amenity records. Others exist; these are the ones with active market data.

What do homes in Clay County townhome communities cost?

The median sale price across tracked townhome communities in Clay County is about $240,000, and it varies widely by community. Use the table above for community-level medians.

How does Momentum classify a community as one of the townhome communities?

A community appears here when we find a majority of the community’s MLS-recorded listings carrying a townhouse or villa property type. We do not guess from names alone. Verify any specific amenity or restriction with the association before you rely on it.

Can Momentum connect me with an agent for these communities?

Yes. Momentum serves Clay County and matches you with an agent who works these specific communities. Matching is free and no-obligation.

How much is home insurance in Clay County?

Citizens Property Insurance policies in Clay County average about $1,189 a year, per Citizens filings. Private quotes vary widely with roof age, construction and wind mitigation - a wind-mitigation inspection often unlocks meaningful credits.

What are property taxes like in Clay County?

Typical combined millage in Clay County is about 15.05 mills - roughly 1.51% of assessed value a year before exemptions. Florida resets assessed value to about your purchase price when you buy, then homestead exemptions and the 3% Save Our Homes cap apply.

Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.