Living in Fleming Island, Florida

Large house with a circular drive

 ZIP 32003 and US-17

Fleming Island sits south of Orange Park in Clay County. US-17 is the road you will use for ordinary trips and for the drive north. The mailing city on a listing should say Fleming Island if that is the search you want. Orange Park is the next city north, ZIP 32073, not this one.

The feed here is an area search: city Fleming Island, county Clay, active, newest first. It is not a county-wide Clay dump. If you meant Green Cove Springs or Middleburg, those are different city fields.

 Eagle Harbor and Fleming Island Plantation

Eagle Harbor and Fleming Island Plantation are the two names buyers say first. They are established communities with their own resale patterns. Read the documents for that specific neighborhood. A remark in the MLS is not the covenant.

We will not quote dues or a price range for either one. Ask for the estoppel and the resale packet. If a CDD shows up as a non-ad valorem line on the tax bill, that line is not the HOA dues. Read the bill. Do not let us invent the annual figure.

 Black Creek

Black Creek is the water that defines a lot of Fleming Island weekends. Some lots back to it or sit nearby. Some are nowhere near it. Ask which one you are touring. A creek lot can be a flood and insurance conversation. A dry interior lot is a different house.

Pull the FEMA panel for the address. Do not assign Zone AE or Zone X from the subdivision entrance. Drainage after a summer storm is a separate question from the flood letter. Walk the swales. Look at the inspection for standing water against the slab.

 The drive to the bases

NAS Jacksonville, on the west bank of the St. Johns near ZIP 32212, is the closer Navy gate for a lot of Fleming Island families. The drive still belongs on a weekday clock, not a Sunday afternoon. US-17 north is the usual start.

Naval Station Mayport is at the mouth of the river. From Fleming Island that is a long cross-town trip. Do not call this a Mayport suburb. Blount Island Command is on the east side as well. Match the house to the gate on your orders.

 Clay schools, house by house

As of fall 2026, the Florida DOE grade for the 2025-26 cycle lists Clay as an A district. Duval, St. Johns, and Nassau are A districts too. An A district is not an A campus. The commute still matters. We will not crown a county.

Look up the address on the Clay County locator and on fldoe.org. Eagle Harbor and Fleming Island Plantation can feed different campuses. Check the house, not the sales model.

 Roofs, insurance, and the creek

Fleming Island houses run from the 1990s into newer sections. Ask the roof age before you fall in love with a golf or creek view. Carriers read the 4-point. We will not quote a premium or a magic roof year. Get the quote inside the inspection period.

Clay homestead is filed with property appraiser Tracy Scott Drake, second floor, 477 Houston Street, Green Cove Springs, (904) 284-6305. Own and occupy on January 1. As of fall 2026 the 2026 filing window is closed. Next occupancy date is January 1, 2027, file by March 1, 2027. More area context is on Jacksonville neighborhoods. Call (904) 309-0609.

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Call (904) 309-0609.