Clay County
Waterfront Homes in Clay County ($500k+)
118 homes · 2 new this week · updated 9 minutes ago
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.
Riverfront homes in Clay County → · Greater Northeast Florida →
Waterfront homes in St. Johns County →
Market Snapshot
As of September 26, 2026, the median list price in waterfront homes in Clay County ($500k+) is $697,450 across 118 active listings, averaging $302/sqft; recent MLS-recorded sales show a median sold price of $622,500 across 82 closings.
- Median List Price
- $697,450
- Avg. Price / Sq Ft
- $302/sqft
- Median Sold (12 mo, MLS)
- $622,500
- 82 sales
- Active Listings
- 118
- HOA Dues
- ~$58/mo typical
- 60 of 118 listings carry dues
Market stats are based on similar homes in waterfront homes in Clay County ($500k+), including 82 recent recorded sales — they may not include listings or sales that aren't comparable to this market. Sourced from the MLS; refreshed regularly.
waterfront homes in Clay County ($500k+) Home Values
The MLS-recorded sales above are what homes in waterfront homes in Clay County ($500k+) actually sell for — and the comp set your future buyer will see. Own a home here? This page updates with every new listing, price change, and recorded sale, so following it is the simplest way to watch your equity. There’s no automated estimate on this site — when you want a real number, Krista prepares it personally against these sales.
Oceanfront & ocean-access homes10 homes · from $545,000
Houses and townhomes on the Atlantic or with deeded access to it.
Fleming Island, FL 32003
4 bd · 2 ba · 3,478 sq ft
FEMA Zone X · Evac A
Listing Office: century 21 integra
Orange Park, FL 32073
4 bd · 3 ba · 3,312 sq ft
FEMA Zone X · Evac A
Listing Office: berkshire hathaway homeservices florida network realty
Middleburg, FL 32068
5 bd · 4 ba · 4,700 sq ft
FEMA Zone AE · Evac A
Listing Office: watson realty corp
Private docks, slips & lifts29 homes · from $549,949
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 →
Green Cove Springs, FL 32043
6 bd · 6 ba · 8,217 sq ft
FEMA Zone X · Evac B
Listing Office: dogwood realty
Starke, FL 32091
6 bd · 4 ba · 5,368 sq ft
FEMA Zone X · Evac NONE
Listing Office: christie's international real estate first coast
Fleming Island, FL 32003
4 bd · 3 ba · 4,068 sq ft
FEMA Zone AE · Evac A
Listing Office: one sotheby's international realty
Riverfront & river access12 homes · from $540,000
The St. Johns on the county’s west side, and the Tolomato and Matanzas along the coast corridor.
Orange Park, FL 32073
5 bd · 5 ba · 4,527 sq ft
FEMA Zone AE · Evac A
Listing Office: ponte vedra club realty, inc.
Green Cove Springs, FL 32043
2 bd · 1 ba · 1,008 sq ft
FEMA Zone X · Evac A
Listing Office: click to list llc
Green Cove Springs, FL 32043
4 bd · 2 ba · 2,782 sq ft
FEMA Zone X · Evac A
Listing Office: public services realty
Intracoastal, canals & navigable water5 homes · from $525,000
Boatable water that isn’t ocean- or river-fronted — Intracoastal frontage and navigable canals.
Green Cove Springs, FL 32043
3 bd · 2 ba · 1,564 sq ft
FEMA Zone X · Evac D
Listing Office: lpt realty llc
Middleburg, FL 32068
4 bd · 3 ba · 2,148 sq ft
FEMA Zone AE · Evac NPBC
Listing Office: watson realty corp
Middleburg, FL 32068
4 bd · 3 ba · 2,510 sq ft
FEMA Zone AE · Evac NPBC
Listing Office: peninsula properties realty inc
Lakes, ponds, marsh & creek frontage62 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.
Showing the 113 highest-priced matches — use the filters to narrow, or search the full map.
Showing 59 of 59
For SaleKeystone Heights
7229 Pleasant Point RoadKeystone Heights, FL 32656
4 bd · 4 ba · 3,057 sq ft
$1,799,000Est. $9,575/moListing Office: engel & volkers gainesville
For SaleKeystone 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
The agent behind this page
Krista FrackeBroker Associate · Christie’s International Real Estate
Any home you’re scrolling past here — I can open the door, tell you its story, and give you the honest math before you fall for it.
Ask me about any of them →
For SaleMelrose
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 SaleMiddleburg
4333 Hawk Haven RoadMiddleburg, FL 32068
4 bd · 2 ba · 2,294 sq ft · 3.3 ac
$700,000Est. $3,726/moListing Office: watson realty corp
For SaleMelrose
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.
For SaleKeystone Heights
5975 County Road 352Keystone Heights, FL 32656
4 bd · 3 ba · 2,990 sq ft · 1.5 ac
$504,900Est. $2,687/moListing Office: re/max specialists
This market, from the inside
Clay sits beyond my daily focus corridor; the data is the same live truth as everywhere on this site, and the right local introduction at my Christie’s office comes with it.
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 walk through the details that don’t show up in the MLS — water access, HOA rules, what a feature really costs to maintain.
Contact Krista