125 days on market (MLS) Single Family Residence ▼ Price cut: $9,000 (9/19)
$385,000
3-Bedroom Pool Home in Timber Creek

77137 Cobblestone Drive, Yulee, FL 32097

Single Family Residence in Timber Creek, Yulee · No CDD on record
Timber Creek · Yulee, FL 32097 · Nassau County
Listing data updated October 10, 2026 at 3:22 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,919Sq Ft
2011Year Built
$201Per Sq Ft
Private pool2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
16% above
$/sq ft vs community
$201 here vs $174 median sold (12 mo)
Buyer leverage
Seller-leaning
125 days on market
1.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 7
Price vs recent sales
Asking $385k tops 4 of the last 7 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 10, 2026, 77137 COBBLESTONE Drive in Timber Creek, Yulee is listed at $385,000 (1,919 sq ft, about $201 per sq ft). That sits within a few percent of Timber Creek's median closed sale of $340,000 over the last 12 months (26 recorded sales). Per square foot it is above the community's recent $174/sq ft by about 16%. It has been 125 days on market, longer than the community's typical 21 days to contract. Listing facts: built in 2011, a private pool, HOA dues of $45/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2011 · 15 yrs
  • 1,919 sq ft of living area
  • 2-car garage
  • Listed at $385,000 — recent neighborhood median sale price ~$340,000 (nearby sales; deemed reliable, not an appraisal)
  • 125 days on market
  • HOA $45/mo (per listing)
School district: Schools Timber Creek Plantation is in the Nassau County SchoolCommunity built 1983–2025Gator's Dockside Yulee · 5 min drivePublix · 6 min driveVillages of Amelia · 6 min drive
Listing description

About this home

Meet your next address! Summer ready, beautiful saltwater pool home with fully fenced back yard, private large paver patio & deck. Open concept kitchen with backyard view of pool from the sink!

Updated with all newer KitchenAid appliances & beautiful wood luxury vinyl flooring throughout with carpet in Owners bedroom. Tons of natural light & a massive family room. Large dining area that could double as an office/library space.

Split floor plan with owners suite tucked away for privacy, complete with oversized walk in closet & custom built ins. Bedrooms 2 & 3 also with builtins within closet. Newer Washer & Dryer included & also garage freezer.

Community offers playground, basketball courts & community pool. Convenient to shopping, a short drive to State Rd 200/A1A, easy I95 access to Jacksonville & a direct drive to beautiful Fernandina Beach just a few miles away.

All 54 photos

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Description provided by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST and reproduced from the MLS; not independently verified.

Listing courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$385,000
Bed / bath3 / 2
Living area1,919 sq ft
Year built2011
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #2149146
Listing status125 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~11 ft
CountyNassau
Area listings2 active · 2 under contract
Estimated first-year tax~$4,450/yr
CDD assessmentNone on record
HOA$45/mo

Calculated estimates

Price per sq ft$201
Estimated monthly payment$2,690
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$340,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$2,690/mo
  • Principal & interest $2,133/mo 79%
  • Taxes $371/mo 14%
  • Insurance $142/mo 5%
  • HOA $45/mo 2%

$2,690/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$4,450/yr
≈ $371/mo·effective rate ~1.16%
Estimate: asking price less the $50,000 homestead exemption × Nassau County rate (13.28 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $3,325/yr ($277/mo) — taxable value $249,720 × 13.28 mills
$1,125 more each year
(+34%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$51,105
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$300,825
Market value
$300,442
Assessed
$249,720
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: Nassau County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$45/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~11 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Nassau County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Nassau County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Timber Creek

Pricing & the Timber Creek market

How this home is priced against recent nearby sales, and where Timber Creek has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales77205 COBBLESTONE Drive77205 COBBLESTONE Drive: $122/sq ft$12276097 TIDEVIEW Lane76097 TIDEVIEW Lane: $157/sq ft$15778103 DUCKWOOD Trail78103 DUCKWOOD Trail: $181/sq ft$18176217 TIDEVIEW Lane76217 TIDEVIEW Lane: $200/sq ft$200This homeThis home: $201/sq ft$201Community median $174

Price vs. size in Timber Creek

Each dot is a closed sale since 2001 (598 total). This home is the gold marker.

$0$308k$616k6742,4524,230This home: $385,000, 1,919 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $201/sq ft.

$60$126$1922012: $8220122013: $732014: $8820142015: $872016: $8120162017: $952018: $9720182019: $1042020: $11620202021: $1332022: $16520222023: $1722024: $16020242025: $1792026: $1742026

Median sale price by year

12-month median closed price, 2012–2026.

$120k$260k$399k2012: $155k20122013: $147k2014: $176k20142015: $189k2016: $184k20162017: $200k2018: $220k20182019: $235k2020: $240k20202021: $284k2022: $372k20222023: $340k2024: $355k20242025: $342k2026: $340k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 62 (hot).

1355972013: 2520132014: 472015: 3220152016: 212017: 4220172018: 582019: 4920192020: 552021: 8620212022: 892023: 2520232024: 552025: 5320252026: 622026
Property timeline

This home’s history

  • 2011BuiltPer public record
  • About Jun 2026Listed (per MLS)MLS reports 125 cumulative days on market as of October 10, 2026
  • Jul 2, 2026First seen on movewithmomentum.comObserved at $415,000
  • Jul 10, 2026Price cut$399,000 (-$16,000, -3.9%)
  • Aug 4, 2026Price cut$396,500 (-$2,500, -0.6%)
  • Aug 15, 2026Price cut$394,000 (-$2,500, -0.6%)
  • Sep 19, 2026Price cut$385,000 (-$9,000, -2.3%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $385,000Momentum Realty · on market 125 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

4 closed sales in Timber Creek in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 4 sales: $340,000 ($174/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$293,607the mess$374,205

Stronger local evidence — 4 comparable closed sales in Timber Creek, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $385,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — this home carries HOA dues of $45/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
  • The pool — a private pool carries cost and value that living area doesn't capture.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 125 days on market vs. a 21-day community median
  • 2 active listings competing, 2 under contract
  • ≈1.1 months of supply
  • 22 closed here in the last 12 months

For reference, this home is listed at $385,000 ($201/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,919 sq ft × $153–$195/sq ft (±12% around the median of 4 comparable closed sales in Timber Creek, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.

Momentum Scores

Momentum Property Score

54/100
Strongest on: Flood safety (90), Market liquidity (85)
0 limited50100 exceptional

54/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area11
This home $201/sq ft vs the community 12-month median $174/sq ft.
Affordability28
List price $385,000 vs the community median $340,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost76
From FEMA Zone X and a 2011 build. Obtain a property-specific quote.
Market liquidity85
Community median 21 days on market, ~1.1 months of supply (12-month record).
Pricing power47
Recent sales closed at about 98.5% of original asking (~1.5% below). More room below asking generally favors buyers.
Market timing38
Momentum Market Heat is 62/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 1.1 months of supply in the surrounding market and 125 days on market for this home, against a 21-day area median.Days on market:this home 125Area median:  21 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 8, 2026.

🟡 Asking $201 per square foot, about 16% above the community’s $174 median. Timber Creek’s 12-month median sold price per square foot is $174. Median sold price per square foot is down 0.6% year over year. Confidence: High · 26 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

65% of homes in Timber Creek are owner-occupied. An estimated 35% are non-owner-occupied, including 10% held in a company or trust and 10% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 226 homes matched. Community-level context.

Recent Timber Creek sales closed near 98.5% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 8, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 2 active listings in Timber Creek, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · MLS # 2149146

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Keep looking

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Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

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Recently off market in Timber Creek

The street

Every home on Cobblestone Drive: what is for sale, what sold and when, the homes and the communities along it.

Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings

In the area

Recent Timber Creek Plantation news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Sep 2026 · Development

Nassau review committee considers up to 350 lots in Wildlight southern planning area

At its Sept. 1 meeting the Development Review Committee reviewed a residential plan for up to 350 single-family lots south of State Road 200 and west of Liberty Cove, in two phases. The committee also reviewed a 167-lot Liberty Cove Phase 2 plat and a Wild Acres Trail extension to a future county park entrance. A comprehensive plan amendment was expected before commissioners around Sept. 14.

Why it matters: Added lots near the SR 200 corridor increase future housing supply in Yulee and Fernandina Beach commuting areas. The site is about 8 miles northeast of Timber Creek Plantation.

Nassau NewsLine

Aug 2026 · Builder

Century Communities adds Hidden Lake and Mills Bridge communities in Nassau County

Century closed on Hidden Lake near Amelia Walk, a planned 275-unit community on 80-foot lots, its second self-developed community in Nassau County. It also plans Mills Bridge, a 144-home community on 40 and 50 foot lots, with sales projected to begin in Q1 2027. Its 247-unit Concourse Crossing in Fernandina Beach sold its last home in Q1 2026.

Why it matters: New-home inventory in the Fernandina Beach area is increasing, with different lot sizes serving different buyer budgets. The project is about 10 miles east of Timber Creek Plantation, elsewhere in Nassau County.

Nassau NewsLine

Jul 2026 · Builder

Wildlight subdivision advances in Yulee as the master-planned community expands

Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.

Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The site is about 5 miles north of Timber Creek Plantation.

Jax Daily Record

Mar 2026 · Development

First Wildlight Commerce Park speculative building opens in Yulee

The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.

Why it matters: New employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The site is about 5 miles north of Timber Creek Plantation.

Jax Daily Record

Go deeper

More on Timber Creek

Go deeper on Timber Creek

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

GRADEA
Yulee Elementary SchoolPreK-5 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee Middle School6-8 · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee High School9-12 · Nassau County School District · Grade A (Florida DOE 2025-26)
What's nearby

Drive times to everyday places

Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.

Groceries

  • Publix 6 min

Dining

  • Gator's Dockside Yulee 5 min

Shopping

  • Villages of Amelia 6 min

Parks

  • Melton O. Nelson Memorial Park 9 min
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 77137 COBBLESTONE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2011 (15 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $45/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
  • Listed living area is 1,919 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $4,450/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,125 more per year than the current owner’s estimated bill (+34%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordrealMLS, checked against the MLS hourly (last: October 10, 2026)
Comparable salesrealMLS closed sales in Timber Creek, last 18 months, as of October 8, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 77137 COBBLESTONE Drive and when was it built?

Per the listing record, 77137 COBBLESTONE Drive was built in 2011 and has 1,919 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 77137 COBBLESTONE Drive in?

77137 COBBLESTONE Drive is in Timber Creek in Yulee, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 77137 COBBLESTONE Drive have an HOA, and how much are the dues?

The listing reports HOA dues of $45 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.

Why might property taxes on 77137 COBBLESTONE Drive differ from the current owner's?

The estimate on this page (about $4,450 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,125 more per year than the current owner’s estimated bill (+34%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 77137 COBBLESTONE Drive in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.