Clay County
Waterfront Homes in Clay County ($500k+)
83 homes · 8 new this week · median $699,900 · 189 sold in 12 mo at median $620,000 · 80 days avg on market · updated 7 minutes ago
Market Snapshot
As of November 10, 2026, the median list price for waterfront homes in Clay County ($500k+) is $699,900 across 83 active listings, averaging $310/sqft; recent MLS-recorded sales show a median sold price of $620,000 across 189 closings.
- Median List Price
- $699,900
- Avg. Price / Sq Ft
- $310/sqft
- Median Sold (12 mo, MLS)
- $620,000
- ▲ 1.6% vs prior 6 mo
- Active Listings
- 83
- HOA Dues
- ~$50/mo typical
- 40 of 83 listings carry dues
Market stats are based on waterfront homes in Clay County ($500k+), including 189 recent recorded sales — they may not include listings or sales that aren't comparable to this market. Sourced from the MLS; refreshed regularly.
Oceanfront & ocean-access homes9 homes · from $515,000
Houses and townhomes on the Atlantic or with deeded access to it.
Private docks, slips & lifts20 homes · from $575,000
A dock, boat slip, or lift on the property itself — river, Intracoastal, or canal. The whole region’s dock inventory lives on the dock & boat-slip page. All Northeast Florida dock & boat-slip homes →
Riverfront & river access8 homes · from $635,000
The St. Johns on the county’s west side, and the Tolomato and Matanzas along the coast corridor.
Intracoastal, canals & navigable water2 homes · from $999,500
Boatable water that isn’t ocean- or river-fronted — Intracoastal frontage and navigable canals.
Lakes, ponds, marsh & creek frontage44 homes
The rest of the county’s waterfront designations — community lakefront, the ponds most newer communities are built around (many are stormwater systems), plus marsh and creek frontage. What the water actually is varies listing to listing — ask and I’ll verify.
All 44 Other Waterfront Homes for Sale in Clay County ($500k+)
Showing the 82 highest-priced matches — use the filters to narrow, or search the full map.
Showing 44 of 44
For SaleNew since your last visitKeystone Heights
7229 Pleasant Point RoadKeystone Heights, FL 32656
4 bd · 4 ba · 3,057 sq ft
$1,499,900Est. $7,983/moListing Office: engel & volkers gainesville
For SaleNew since your last visitKeystone Heights
5040 Sagebrush AvenueKeystone Heights, FL 32656
3 bd · 2.5 ba · 2,308 sq ft · 10 ac
$985,000Est. $5,243/moListing Office: coldwell banker vanguard realty
For SaleNew since your last visitMelrose
8449 Lily Lake RoadMelrose, FL 32666
3 bd · 2 ba · 2,196 sq ft · 1.1 ac
$700,000Est. $3,726/moListing Office: matchmaker realty of alachua county inc
For SaleNew since your last visitKeystone Heights
4940 Devils Den RoadKeystone Heights, FL 32656
3 bd · 2 ba · 1,650 sq ft · 17 ac
$550,000Est. $2,927/moListing Office: real broker llc
For SaleNew since your last visitMelrose
8189 Melrose RoadMelrose, FL 32666
3 bd · 2 ba · 1,656 sq ft · 12 ac
$549,000Est. $2,922/moListing Office: trevor waters realty, inc.
Closed sales
What waterfront homes in Clay County ($500k+) actually sold for
Median closed price by year from the MLS, 2020 to 2026: up 1% since 2025. 169 sales closed in 2026 at a median $237 per square foot.
| Year | Sales | Median sold | $/sq ft | Of asking | Days on market |
|---|---|---|---|---|---|
| 2020 | 4 † | $660K | $272 | 97.6% | 62 |
| 2021 | 10 † | $600K | $193 | 100% | 44 |
| 2022 | 6 † | $700K | $225 | 100% | 25 |
| 2023 | 6 † | $730K | $279 | 97.7% | 76 |
| 2024 | 47 † | $615K | $220 | 95.9% | 46 |
| 2025 | 178 | $620K | $232 | 97.6% | 41 |
| 2026 | 169 | $624K | $237 | 97.5% | 46 |
Closed sales from the realMLS IDX feed; years with fewer than three sales are omitted. Medians, not estimates of any one home. "Of asking" is the median sold price as a share of the final list price. † A partial year in the feed: it carries only some of that year’s sales, so the median rests on fewer homes and the percent change above starts at the first full year.
This market, from the inside
Clay County’s water is serious water: the St. Johns River along the county’s east edge, Doctors Lake’s protected coves, and Black Creek’s deep, dark-water bends. The $500,000-and-up listings below report waterfront per the MLS — and every listing page on this site carries the home’s FEMA flood zone, because on this county’s water that’s part of the address.
Frequently asked questions
What kinds of waterfront does Clay County offer?
Three distinct kinds: St. Johns River frontage (big water, big sunrises, east-facing docks), Doctors Lake (protected, skiable, popular with boaters who want calmer water), and Black Creek (deep natural creek water that connects to the river). The water-type sections above separate them.
How do flood zones work on Clay County waterfront?
Much of the true riverfront and creekfront sits in FEMA AE zones, which affects insurance cost rather than buyability. Every listing on this site shows its flood zone and evacuation zone — read them together with the elevation before you price a waterfront home.
Looking for waterfront homes in Clay County ($500k+)?
I’ll send new listings the moment they hit the market and answer any question about a home here.
Thinking of selling?
What’s your Greater Northeast Florida home worth?
The sales above are the comp set a buyer will see. When you want a real number for your own home, Krista prepares it personally — no algorithm guesses — from the MLS-recorded sales in Greater Northeast Florida, backed by 20+ years and 500+ closings in Northeast Florida.
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