Eagle Harbor, Fleming Island

Market snapshot

Ninety-five closings were recorded, the highest count of any Clay County community in this dataset, at a median of $575,000 and about $222 a square foot. Homes averaged 45 days on market with 2.7 months of supply, which the source classifies as a balanced market. Median price was roughly 8% lower than a year earlier — a correction off the peak, on strong volume rather than thin data.

Market figures above are aggregated community sales data taken from the public community-data index published at the website movewithmomentum.com (an unaffiliated third party), dataset generated 2026-07-13, reflecting sales as of 2026-07-09. Figures are area aggregates, not an appraisal or a valuation of any individual home, and they change as new sales record. HOA dues, CDD fees and property taxes are NOT shown here: the only figures available for them are modelled estimates rather than recorded amounts. Ask Chris Moore for the current recorded numbers before you rely on them.

Where it is

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By the numbers: Clay County market context

Eagle Harbor sits inside Clay County, where the countywide Zillow Home Value Index read $339,079 in June 2026, down about 1.0% from $342,660 a year earlier. Countywide rent runs $1,875 a month, inventory sits at 1,254 active listings, and 28.79% carried a price cut. Eagle Harbor's own $575,000 median sits well above the county figure — this is Clay County's premium address, and the community's 95 recorded closings is the highest volume of any Clay County community in this dataset, so the median here is a genuinely representative number, not a thin-data guess.

Schools zoned to Eagle Harbor

Eagle Harbor zones to Fleming Island High School, the same zone that serves Fleming Island Plantation and Pace Island. At the elementary level, buyers typically land at Paterson Elementary or Fleming Island Elementary, with Lakeside Junior High for the middle grades. Confirm the exact assignment for a specific address before you buy — Clay County redraws boundaries as the area fills in, and the district's own locator at oneclay.net is the only authoritative source.

CDD and HOA math in Eagle Harbor

Eagle Harbor is a Community Development District, and because it was built out over many villages and many years, the CDD assessment is not uniform across the community. Total CDD assessments run roughly $1,200 to $2,400 a year, split between a bond debt service portion (about $600-$1,400) that repays the original construction bonds and can be prepaid, and an operations and maintenance portion (about $600-$1,000) that funds ongoing amenities indefinitely. Many of Eagle Harbor's older bonds have already been paid off by prior owners, which is exactly why the same-looking house on one street can carry a materially lower tax bill than an identical one two streets over. HOA dues run separately, roughly $60 to $120 a month. Get the actual recorded assessment for the specific address, not a community average — verify current CDD balance and millage with the Clay County Property Appraiser for that parcel.

NAS Jax commute and the VA loan math

Fleming Island sits inside the tightest NAS Jacksonville commute band in Clay County — Highway 17 and I-295 put Eagle Harbor within roughly 5 to 25 minutes of the base gate depending on the village and the hour, and that proximity is a large part of why Eagle Harbor carries a high concentration of $0-down VA buyers. If you are working a PCS timeline, run your BAH against principal, interest, taxes, insurance and the specific village's CDD and HOA before you commit to a village — the swing between villages changes what a straight BAH comparison tells you.

What to check before you buy here

Eagle Harbor is made up of many separate villages, and they do not share one fee structure or one product type. Get the specific village's association documents, the amenity fee, and any CDD or special assessment in writing before you commit — the difference between two villages can be several hundred dollars a month.

If you are relocating on PCS orders, ask which village sits closest to the gate you will actually use and confirm that against the school zone you want — the two do not always align inside a community this size. Chris Moore has walked enough Eagle Harbor closings to know which villages carry paid-off bonds and which still have years left on theirs; that answer belongs in your offer, not a surprise on your first tax bill.

Who Eagle Harbor fits

Eagle Harbor fits buyers who want golf-course or lake frontage, an established amenity package, and a short drive to NAS Jacksonville, and who are comfortable comparing village-by-village HOA and CDD figures rather than assuming one number applies community-wide. It suits a buyer weighing a paid-off-bond village against a still-financing one and willing to trade a lower price for a longer CDD schedule, or the reverse. It's a strong match if a specific school zone matters enough to you to pick a village around it, since Eagle Harbor's villages don't all zone the same way. If you want a flat fee structure and no CDD line item at all, compare it against a non-CDD Clay County neighborhood before you commit to a village here.

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