Taxes & Insurance in Fleming Island
Fleming Island sits in Clay County, where property tax and everyday costs generally run lower than in St. Johns County's satellite towns, alongside the same statewide insurance-cost pressure that applies across coastal-adjacent northeast Florida.
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Learn moreClay County property tax -- not independently re-verified to a precise millage in this pass
Fleming Island's base record does not carry an independently verified effective property tax rate -- confirm the current millage with the Clay County Property Appraiser for any specific address. Clay County's rates are generally cited in broad county-comparison sourcing as somewhat lower than neighboring St. Johns County's, but this pass doesn't re-verify a precise current side-by-side figure.
The 2026 homestead exemption and Save Our Homes cap apply the same as anywhere in Florida
Florida's homestead exemption for 2026 is $51,411, up from $50,722 in 2025, and enrolls a primary residence in the Save Our Homes assessed-value growth cap, which limits annual increases in assessed value regardless of market appreciation.
Homeowners insurance costs vary sharply by source, and river/lake flooding is the more relevant risk here
Statewide Florida homeowners insurance estimates for 2026 disagree sharply: sources cite figures ranging from roughly $3,757/year up to over $10,000/year depending on coverage and methodology, and Florida remains the most expensive state in the country for homeowners insurance, though recent tort-reform legislation has reportedly slowed premium growth. Fleming Island isn't oceanfront, so its more relevant flood risk comes from Doctors Lake and St. Johns River flooding during heavy rainfall and hurricanes rather than coastal storm surge -- confirm the current FEMA flood zone and get an address-specific quote rather than relying on a statewide average.
Sales tax isn't independently re-verified in this pass
Florida's state sales tax rate is 6%; Clay County may add its own discretionary surtax on top of that base rate. This pass doesn't independently re-verify the county's current surtax rate -- confirm the combined rate directly with the Florida Department of Revenue or Clay County before treating any figure as final.
Key takeaways
- Clay County property tax applies as it does countywide; Fleming Island's base record carries no independently verified effective rate -- confirm current millage with the county Property Appraiser.
- Clay County rates are generally cited as somewhat lower than St. Johns County's in broad comparisons, though this pass doesn't re-verify a precise current figure.
- The 2026 Florida homestead exemption is $51,411, enrolling a primary residence in the Save Our Homes assessed-value growth cap.
- Statewide FL homeowners insurance estimates for 2026 range roughly $3,757-$10,384+/year; Fleming Island's relevant flood risk comes from Doctors Lake/St. Johns River flooding rather than coastal storm surge.
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