Fleming Island 32003

Clay County, FL · 11,888 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

63affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
22.5%
affordable
Days on market
51
daily
Price cuts
23.4%
of active
Valuation
-15.1%
vs assessor
Look up an address
64
/100
Stable
stable · balanced · prices easing year-over-year.
Price trend
42
Affordability
95
Valuation
50
Economic health
63

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

48/ 100SellerBalancedBuyer
Balanced Market
DOM: 78d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)40
Supply & Demand (20%)100
Buy vs Rent (15%)75
Cancellation Rate (10%)25
Days on Market (5%)75

Balanced market in 32003. List price is roughly fair — focus on condition and value. Payment burden: 22.6% of median income. Median days on market: 78. Renting is approximately 69% cheaper than buying (price-to-rent ratio: 20.3).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

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Market snapshoteach number, once

Median price
$442,502
▾ 0.9% YoY
Days on market
51
daily · zip_data
Median rent
$1,813
ZORI
Investor score
48/100
cash-flow lens
Active listings
117
90-day

Valuation3 lenses, different anchors

vs assessor
-15.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$375,590
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+67.5%
County-wide market — the widest, slowest signal.
Clay+67.5%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$186
Price-to-income3.7×

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How 32003 ranks in FL
percentile vs all Florida ZIPs · n=1098
Market velocity74%
Supply tightness39%
Affordability91%
Investment yield21%
Appreciation66%

Affordability, supply & momentum

33SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply17.0 mo
Days on Market51d
Inv vs History-9.6%
Listing Density10.4/1k
Affordability — payment burden
Monthly payment (P&I)$2,235
Payment burden22.5%
Median income · ZIP$119,046
Mortgage rate6.49% · 30yr
Total monthly own$2,678
Monthly rent$1,813
Market dynamics
Price cut %23.4%
Momentumstable
LeverageBALANCED
Months of supply17
Sales (90d)0
Investment analysis
Median rent$1,813
Price-to-rent20.3
Est. cap rate3.2%
Buy vs rentfavors renting

Livability

Walk score3
Transit score
Bike score

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Clay County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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