listed Aug 12, 2026 Single Family Residence ▼ Price cut: $20,000 (8/18)
$730,000
9-Bedroom Home in Oceanway

865 Cole Road, Jacksonville, FL 32218

Single Family Residence in Oceanway, Jacksonville
Oceanway · Jacksonville, FL 32218 · Duval County
Listing data checked against the MLS November 11, 2026 at 1:27 PM ET · rechecked hourly
9Bedrooms
5Bathrooms
2,700Sq Ft
1948Year Built
$270Per Sq Ft
2-car garageFEMA Zone X9 bedrooms
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.
55% above
$/sq ft vs community
$270 here vs $174 median sold (12 mo)
Buyer leverage
Buyer advantage
91 days on market
3.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~23 ft elevation
$4k–$7k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $730k tops 12 of the last 12 closed sales; also one of the largest homes here at 2,700 sq ft

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

Highlights

865 COLE Road in Oceanway, Jacksonville is listed at $730,000 (2,700 sq ft, about $270 per sq ft). That is 192% above Oceanway's median closed sale of $250,000 over the last 12 months (6 recorded sales). Per square foot it is above the community's recent $174/sq ft by about 55%. It has been listed Aug 12, 2026, longer than the community's typical 21 days to contract. Listing facts: built in 1948, no HOA. 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.

  • Built 1948 · 78 yrs
  • 2,700 sq ft of living area
  • 2-car garage
  • listed Aug 12, 2026
  • No HOA reported by the listing (confirm)
School district: Oceanway home with the Duval County Public SchoolsCommunity built 1947–2026Family Asian Market · 2 min driveXtreme Wings Sports Bar and Grille · 2 min driveSan Mateo Neighborhood Park · 2 min drive
Listing description

About this home

Two residences, room to spread out, and a North Jacksonville location. Set on 1.36 acres in Oceanway, 865 Cole Road offers a primary residence plus a separate in-law home, a layout that gives buyers several ways to use the property. Explore a rental investment or a combination of personal living space and rental use.

Features include tile flooring, a metal roof, separate electric meters, a gated entrance, a paved driveway, carports, and an RV pad with hookups. The detached home adds a separate living space, while the grounds provide room for parking and outdoor use. Convenient to I-95, I-295, Jacksonville International Airport, and River City Marketplace.

Buyers should verify permitted uses, square footage, leases, and property systems during due diligence. The property consists of a 9-bedroom, 5-bath main residence plus a detached 1-bedroom, 1-bath accessory dwelling unit, offering flexibility that is hard to find in today's market. The main residence is configured with multiple living areas, including suites with private interior laundry, and the largest suite offers 3 bedrooms, 2 baths, and propane service for the range and dryer.

An insulated garage could easily be converted into additional living space. The detached ADU adds even greater versatility, ideal as a guest house, in-law suite, property manager's quarters, or additional rental opportunity. Extensive capital improvements have already been completed, providing peace of mind and minimizing future maintenance: a new 6,250+ sq ft ribbed metal roof, updated plumbing throughout, new electrical panels with separate electric meters and primarily 12-gauge wiring, hurricane-impact windows throughout most of the property, durable red steel construction with predominantly metal siding, matching tile flooring throughout, industrial-sized gutters with French drains, new appliances and propane service, two oversized septic systems with expansive drain fields, and vinyl fencing with a heavy-duty automatic security gate.

The exterior features a 220-foot paved driveway, two large carports, a greenhouse, an oversized concrete RV pad with full hookups, extensive parking, and well-maintained grounds. The property is in Flood Zone X. Just minutes from I-95 and I-295, less than 10 minutes to Jacksonville International Airport, about 15 minutes to Downtown Jacksonville, about 25 minutes to the beaches, and minutes from River City Marketplace.

Use it as a primary home with income from the ADU, a multi-generational compound, or an investment, and explore potential future subdivision or additional development, subject to buyer verification with the appropriate governmental authorities. With 3,380 total square feet across both buildings on 1.36 acres, this property would be difficult and costly to recreate at today's land and construction costs. Schedule your private showing today.

All 41 photos

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Description provided by EPIQUE REALTY, INC and reproduced from the MLS; not independently verified.

Listing courtesy of EPIQUE REALTY, INCProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™ · automated estimate

The Messtimate

Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.

$319,000the mess$478,400

Directional estimate — built from a local size, age, bed and bath model fit on 60 nearby closed sales; the Duval County 2025 tax roll just value ($245,452) × the local sale-to-roll ratio of 40 nearby sales.

Track record: across 2,804 recent closed sales we scored, the closed price landed inside the Messtimate range 63% of the time; median miss 8.9% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-11.

Actual list price: $730,000 ($270/sq ft) — the seller's asking price is not an input to this range; compare the two.

A 50% spread on the same house — here is what a model can't see:

  • Condition & updates — a 1948 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
  • Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.

And what the live market is doing right now:

  • This home: listed Aug 12, 2026 on market vs. a 22-day community median
  • 10 active listings competing, 2 under contract
  • ≈3.8 months of supply
  • 32 closed here in the last 12 months
Want a property-specific value 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.

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

Methodology: 20th–80th percentile band combining a local hedonic fit (60 sales) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 11, 2026.

How it stacks up

Comparable recent sales

Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for Oceanway. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

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$730,000
Bed / bath9 / 5
Living area2,700 sq ft
Year built1948
Property typeSingle Family Residence
Garage2-car
MLS #2154677
Listing statuslisted Aug 12, 2026

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~23 ft
CountyDuval
Area listings10 active · 2 under contract
Estimated first-year tax~$8,322/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$270
Estimated monthly payment$5,046
Insurance (illustrative)$4k–$7k/yr
Comparable-sales median$250,000

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

$5,046/mo
  • Principal & interest $3,956/mo 78%
  • Taxes $694/mo 14%
  • Insurance $396/mo 8%

$5,046/mo at 20% down, 30-yr @ 7.18% · edit any field to update.

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

What it really costs to own 865 Cole Road

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

Property tax Buy at the asking price of $730,000 and the first-year bill resets to about $12,300/yr (Duval County total millage 17.865 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr.
HOA duesThe listing states there is no HOA.
Home and flood insuranceThe average Citizens Property Insurance premium in Duval County is $1,315/yr (2,001 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,500–$7,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 1948. An original roof would be about 78 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.

Estimated carrying cost at the asking price, before the mortgage: about $1,135/month (tax $1,025, insurance $110). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.

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.

Property tax (first-year est.)
~$8,322/yr

Estimate: a typical Duval effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
Not reported

The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.

Insurance (illustrative range)
$4k–$7k/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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

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
~23 ft

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

Windstorm / insurance
Obtain a quote

Duval 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.

County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk

Natural hazard risk

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

HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveRelatively High
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.

Internet & broadband — how to check availability for this address
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 · Oceanway Manor

Pricing & the Oceanway Manor market

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

Price vs. size in Oceanway Manor

Each dot is a closed sale since 2011 (193 total). This home is the gold marker.

$0$386k$773k6181,7182,818This home: $730,000, 2,700 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 $270/sq ft.

$22$121$2192012: $4920122013: $482014: $4120142015: $852016: $6620162017: $942018: $11220182019: $1242020: $13520202021: $1342022: $20020222023: $1642024: $18920242025: $1832026: $1742026

Median sale price by year

12-month median closed price, 2012–2026.

$18k$152k$286k2012: $55k20122013: $50k2014: $44k20142015: $120k2016: $89k20162017: $123k2018: $158k20182019: $131k2020: $172k20202021: $170k2022: $260k20222023: $195k2024: $210k20242025: $199k2026: $250k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 66 (hot).

750932013: 2520132014: 322015: 6420152016: 212017: 6020172018: 602019: 5320192020: 722021: 7220212022: 852023: 1520232024: 402025: 3420252026: 662026
Property timeline

This home’s history

  • 1948BuiltPer public record
  • Aug 4, 2026First seen on our siteObserved at $750,000
  • Aug 18, 2026Price cut$730,000 (-$20,000, -2.7%)
  • 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 $730,000EPIQUE REALTY, INC · listed Aug 12, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores

Momentum Property Score

42/100
Strongest on: Flood safety (95), Market liquidity (69)
0 limited50100 exceptional

42/100 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 area0
This home $270/sq ft vs the community 12-month median $174/sq ft.
Affordability0
List price $730,000 vs the community median $250,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~23 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1948 build. Obtain a property-specific quote.
Market liquidity69
Community median 22 days on market, ~3.8 months of supply (12-month record).
Pricing power45
Recent sales closed at about 99.0% of original asking (~1.0% below). More room below asking generally favors buyers.
Market timing34
Momentum Market Heat is 66/100 (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

🟢 Buyer-leaning conditions around this listing. 3.8 months of supply in the surrounding market and 91 days on market for this home, against a 22-day area median.Days on market:this home 91Area median:  22 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 November 10, 2026.

🟡 Asking $270 per square foot, about 55% above the community’s $174 median. Oceanway Manor’s 12-month median sold price per square foot is $174. Median sold price per square foot is up 25.6% year over year. Confidence: Low · 6 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.

54% of homes in Oceanway Manor are owner-occupied. An estimated 46% are non-owner-occupied, including 16% held in a company or trust and 16% 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), 121 homes matched. Community-level context.

Recent Oceanway Manor sales closed near 99.0% 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 November 10, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 10 active listings in Oceanway Manor, no CDD assessment.

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

Checked against the MLS November 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by EPIQUE REALTY, INC · MLS # 2154677

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Keep looking

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Recently off market in Oceanway

The street

Every home on Cole Road: 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 Oceanway news

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

Oct 2026 · Market

Northeast Florida home sales dip in September as inventory tightens

Closed sales across the six-county Northeast Florida Association of Realtors area fell 7.7% year over year to 1,608, with the median price at $398,566, up 2.8%. Active inventory dropped 18.4% to 6,348 homes. Median prices were $344,000 in Duval, $575,000 in St. Johns, $355,000 in Clay and $496,500 in Nassau.

Why it matters: Lower inventory with softer sales volume points to a thinner supply of listings across all four counties, with Clay the only one of the four showing a year-over-year price decline. The site is about 9 miles south of Oceanway.

Clay Today

Oct 2026 · Development

FSCJ opens large automated semiconductor training lab, a first for Florida

Florida State College at Jacksonville has built a fully automated lab it describes as the first of its kind in Florida for its size. Students train on electrical, robotics, mechatronics, AI inspection and control systems used in chip manufacturing. The college says it aims to help draw semiconductor companies to Northeast Florida and prepare workers for local manufacturers.

Why it matters: A regional technical-training pipeline can support recruitment of advanced manufacturers, which would widen the local employment base. The site is about 9 miles south of Oceanway.

News4JAX

Oct 2026 · Retail Dining

Council committee defers vote on incentives for Downtown Publix at 119 W. Beaver St.

The Finance Committee deferred a $49.65 million incentive package for Gateway Jax's $140.15 million high-rise anchored by a Publix at 119 W. Beaver St. The tower is planned with 259 apartments and about 400 parking spaces. The committee is scheduled to revisit the bill Nov. 4, the day after the Amendment 3 vote.

Why it matters: The timing of the first full-size grocery store in the Downtown core depends on the incentive vote, affecting nearby retail access. The project is about 10 miles south of Oceanway, elsewhere in Duval County.

Jacksonville Today

Sep 2026 · Infrastructure

JEA advances about $690 million in infrastructure projects including Fulton Cut transmission line raise near JAXPORT

JEA is moving forward with three water reclamation projects (Blacks Ford in northwest St. Johns County, over $220 million; near Jacksonville International Airport, about $193 million; East Arlington, just under $165 million) and the $117 million Fulton Cut transmission line clearance over the St. Johns River near Blount Island. Fulton Cut, shared with JAXPORT and the city, is expected to finish in summer 2027 and all four projects by 2030.

Why it matters: Raised power lines support larger ship access to port terminals, and new reclamation capacity supports growth in surrounding areas. The site is about 9 miles southeast of Oceanway.

News4JAX

Go deeper

More on Oceanway

Go deeper on Oceanway

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 Duval 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.

GRADEB
Oceanway Elementary SchoolPublic PreK-5 · Duval County School District · Grade B (Florida DOE 2025-26)
GRADEC
Oceanway School (Middle)Public 6-8 · Duval County School District · Grade C (Florida DOE 2025-26)
GRADEC
First Coast High SchoolPublic 9-12 · Duval County School District · Grade C (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

  • Family Asian Market 2 min

Dining

  • Xtreme Wings Sports Bar and Grille 2 min

Shopping

  • North Point Center 4 min

Parks

  • San Mateo Neighborhood Park 2 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 865 COLE Road, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1948 (78 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • 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 Duval County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 2,700 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 $8,322/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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: November 11, 2026)
Comparable salesComparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; 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 865 COLE Road and when was it built?

Per the listing record, 865 COLE Road was built in 1948 and has 2,700 sq ft of living area, 9 bedrooms and 5.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 865 COLE Road in?

865 COLE Road is in Oceanway in Jacksonville, Duval County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Does 865 COLE Road have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 865 COLE Road differ from the current owner's?

The estimate on this page (about $8,322 per year) assumes reassessment at the list price less the homestead exemption. 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 865 COLE Road 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.

Ready when you are

See 865 COLE Road in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.

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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.

Estimates, methodology & disclaimers

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.

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.