Cobblestone at
Eagle Harbor Homes for Sale in Fleming Island, FL

Established Fleming Island condominium market · Fleming Island · ZIP 32003

An established condominium community off County Road 220 within the larger Eagle Harbor community in Fleming Island, built for buyers who want an attached, lower-maintenance resale near Doctors Lake rather than a single-family new build.

Established resaleFleming Island, Clay County1 to 3 bedrooms

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

This is a settled 1998-built condominium development, not new construction. Property records and local listing sources describe both individually owned condominium units and a separately managed apartment-rental portion sharing the same address, so confirm the exact unit type and association status before you rely on this page.

Free · No obligation

Unlock Off-Market Cobblestone

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulserealMLS

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Median Price

0mo

Supply

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Avg DOM

Soft

Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Distress

Jon's Current Read

"Cobblestone at Eagle Harbor is a resale play on an attached-home, condominium-style community off County Road 220 in Fleming Island, built in 1998 as one of the sub-associations inside the larger Eagle Harbor community. It is not a builder market and it is not the single-family product most of Eagle Harbor is known for. A meaningful share of the units here are operated as a professionally managed apartment community, so the first thing to confirm on any specific unit is whether it is an individually owned condominium available for purchase, its association status, and current dues. The location thesis is straightforward, sitting between Doctors Lake and the St. Johns River with a manageable commute toward Orange Park and downtown Jacksonville, at a more modest price point than the single-family villages nearby. Verify association dues, unit condition, and the zoned schools in writing before you underwrite a purchase here."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cobblestone at Eagle Harbor is an established condominium community off County Road 220 in Fleming Island, in Clay County, built in 1998. It sits within the boundaries of the larger Eagle Harbor community, which is organized under multiple master and sub-association HOAs, with Cobblestone operating as one of those sub-associations under professional property management.

Local listing and property-management sources describe attached units generally running from about 786 to 1,247 square feet with 1 to 3 bedrooms. A meaningful portion of the community operates as a professionally managed apartment-rental community, while individually owned condominium units also trade on the resale market, so each address should be verified for its exact ownership and association status before you rely on a general description. Marketed amenities include two swimming pools, two hot tub spas, a fitness center, a fenced playground, and pet stations, though buyers of individually owned units should confirm what access and dues apply to them specifically.

The bigger picture is location. Cobblestone sits between Doctors Lake and the St. Johns River in Fleming Island, giving reasonably direct access toward Orange Park and, further north, downtown Jacksonville, at a lower price point than the single-family villages that make up most of Eagle Harbor. That access and price point, weighed against the condominium association questions specific to this community, is the core of the value case here.

Quick Match

Who Cobblestone is best for.

Best for

Buyers who want an attached, lower-maintenance condominium resale in Fleming Island rather than a single-family home
Buyers commuting toward Orange Park or downtown Jacksonville who value the Doctors Lake and County Road 220 location
Buyers comfortable verifying ownership type, association status, and current dues directly on the specific unit before committing

Probably not for

Buyers who need a single-family home, which is the more typical Eagle Harbor product
Buyers who require a confirmed, exclusive amenity package limited to condominium owners rather than shared with a managed apartment portion
Buyers unwilling to confirm whether a specific unit is an individually owned condominium or part of the managed apartment-rental portion

Market Pulse

How Cobblestone is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

n/aMedian days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Live market metrics for Cobblestone at Eagle Harbor update as realMLS listings and sales post. Figures shown reflect current recorded activity; confirm specifics by address.

Live from realMLS, as of July 9, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cobblestone listings and the trailing twelve months of closed sales.

Where prices are goingn/a2026 YTD

Median sale price by year. Tap a label to compare Eagle Harbor or Fleming Island. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square footn/a2026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Cobblestone at Eagle Harbor buys, holds, and resells. See the five factors.

Interactive Map

Cobblestone on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Cobblestone. They are approximate and vary with traffic and your exact start point.

Orange Park15 to 20 min · approximate

Downtown Jacksonville25 to 30 min · approximate

Naval Air Station Jacksonville25 to 30 min · approximate

Jacksonville International Airport40 to 50 min · approximate

Green Cove Springs10 to 15 min · approximate

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Cobblestone atEagle Harbor Homes for Sale in Fleming Island, FL with Momentum Realty’s local guides.

Harvey Grant Homes for Sale in Fleming Island, FLFleming Island, FL · 0.2 mi BABrookstone atEagle Harbor Homes for Sale in Orange Park, FLOrange Park, FL · 0.4 mi CHCarringtonPlace Homes for Sale in Fleming Island, FLFleming Island, FL · 0.4 mi FHFlemingGrove Homes for Sale in Fleming Island, FLFleming Island, FL · 0.4 mi WEWaterfront Estates at Eagle Harbor Homes for Sale in Fleming Island, FLFleming Island, FL · 0.5 mi BVBeulah Vista Estates Homes for Sale in Fleming Island, FLFleming Island, FL · 0.5 mi HLHarbor Lake Homes for Sale in Fleming Island, FLFleming Island, FL · 0.6 mi

Chatham Village Homes for Sale in Fleming Island, FLFleming Island, FL · 0.6 mi ENEagle NestPreserve Homes for Sale in Fleming Island, FLFleming Island, FL · 0.6 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Cobblestone (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Clay County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Cobblestone is served by Clay County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

High

Fleming Island High School (Clay County School District)

Middle

Green Cove Springs Junior High School or your address-zoned middle school (verify by address)

Elementary

Fleming Island Elementary School or your address-zoned elementary school (verify by address)

Buying with schools in mind? We can confirm the exact zoned schools for any Cobblestone address.

The takeaway

The story here is a settled Fleming Island location within the established Eagle Harbor community, rather than a headline event. Cobblestone sits off County Road 220 between Doctors Lake and the St. Johns River, an area that built out well before this cycle.

Recent Developments in Cobblestone at Eagle Harbor

Development Intelligence

Our read on what is being built around Cobblestone, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishNet stable for a built-out condominium community, with the usual association and Florida insurance questions to underwrite unit by unit.

Eagle Harbor area is fully built out

Evergreen

BullishMajor impact

SignificanceRadius: Area

Cobblestone sits within the larger, established Eagle Harbor community in Fleming Island, which built out years ago. A mature, built-out location supports steady demand without relying on new construction nearby.

Mixed condominium and rental ownership

Evergreen

NeutralNotable impact

SignificanceRadius: Community

Cobblestone includes both individually owned condominium units that trade on the resale market and a portion operated as a professionally managed apartment community. Confirm which applies to a specific unit, and whether association dues and rules differ, before you rely on this page's general description.

No new-construction competition inside the community

Evergreen

BullishNotable impact

SignificanceRadius: Community

Cobblestone is built out, so value here turns on the condition, confirmed ownership type, and association status of individual units rather than a builder's current price sheet.

Florida insurance costs remain a real line item

2026

NeutralMinor impact

SignificanceRadius: Region

Statewide homeowners insurance costs have stayed elevated, and condominium coverage carries its own master-policy and unit-owner requirements. Get a bindable quote for the specific unit before you commit to a purchase.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Cobblestone at Eagle Harbor, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Cobblestone buying strategy.

If we were buying in Cobblestone, this is the order of operations we would run, and the one we run for our clients.

Pull the specific unit's record with the Clay County Property Appraiser to confirm ownership type, year built detail, square footage, and whether it is an individually owned condominium or part of the managed apartment portion.

Get written confirmation from the Cobblestone association, if the unit is individually owned, on current dues, what they cover, and whether a Community Development District applies.

Get a thorough inspection focused on roof age, plumbing, electrical, and HVAC, since attached-home systems age varies by unit in a community built in 1998.

Verify the zoned elementary, middle, and high schools by the home's address with the Clay County School District, since attendance zones change.

Get a bindable condominium or homeowners insurance quote for the exact unit before you make an offer.

The Quick Decision

Best Buy

A well-maintained, clearly documented individually owned condominium unit with confirmed association terms.

Biggest Risk

Buying before confirming whether a specific unit is an individually owned condominium or part of the separately managed apartment portion.

Best Lot

Prioritize a unit with a documented association and clear carrying costs over guessing from the listing alone.

Smart Timing

Resale-driven. Individually owned units trade in thin numbers, so move when the right condition and confirmed ownership type line up.

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Homes

Type

Established condominium and attached-home community; individually owned condominium units and a separately operated apartment-rental portion share the same address, so verify the exact configuration by unit

Era

Built in 1998

Size range

About 786 to 1,247 sq ft, per local listing sources; verify square footage on the specific unit's parcel record

Bedrooms

1 to 3, varies by unit

Costs & Fees

HOA

Yes, a condominium association applies; Cobblestone is one of the sub-associations inside the larger Eagle Harbor community structure, managed by a professional property management firm. Current dues not independently confirmed in this fast pass, verify with the association

CDD

None identified for this parcel; confirm on the Clay County Property Appraiser's tax record

Property use

Primary residences, individually owned condominium resales, and long-term rentals; a portion of the community operates as a professionally managed apartment community

Amenities

Marketed

Two swimming pools, two hot tub spas, a fitness center, a fenced playground, and pet stations, per the property's marketing materials

Status

These amenities are marketed for the managed apartment portion; confirm what individually owned condominium units have access to with the Cobblestone association

Location

Area

Fleming Island, Clay County, off County Road 220 between Doctors Lake and the St. Johns River, within the larger Eagle Harbor community

Downtown Jacksonville

About 25 to 30 min (approximate)

Orange Park

About 15 to 20 min (approximate)

Cobblestone Homes For Sale

What your money buys in Cobblestone.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Cobblestone today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry

At the entry tier you are generally looking at the smaller, original-condition one-bedroom units in the community, where the value is in the price point and any renovation upside. Confirm ownership type and association status before you offer.

Lowest entry

The Core

In the core of the market you find updated two-bedroom condominium units with refreshed kitchens and baths, representing the typical move-in resale here. This is where individually owned resales tend to cluster.

Most inventory

The Top

At the top are the largest three-bedroom units in the community. Confirm the exact size, condition, and association terms on the specific unit.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry

The Core

The Top

At the top are the largest three-bedroom units in the community. Confirm the exact size, condition, and association terms on the specific unit.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Cobblestone, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Cobblestone is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Cobblestone holds value.

Our read on the factors that protect resale here, and the one to manage.

Home conditionVaries by unit

Roof and systems ageVerify age

Ownership type clarityConfirm by unit

Renovation upsideModerate

Location within Fleming IslandDoctors Lake area

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Cobblestone

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The value here is not a builder price sheet, it is confirming exactly what you are buying: the right unit, the right association terms, and the right carrying costs.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

5.6C+ · Buy Score

Resale Strength5.2/10

Renovation Risk5.5/10

Location Efficiency6.6/10

Long-Term Defensibility5.0/10

Carrying Cost Advantage5.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Cobblestone is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No automated estimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take

Confirm whether a unit is an individually owned condominium or part of the managed apartment portion.
Units are compact and attached; verify exact square footage on the parcel.
Interior positions away from County Road 220 tend to hold more appeal.
Check the FEMA flood zone given the Doctors Lake and St. Johns River proximity, and get a bindable insurance quote.
Attached-home systems age varies in a 1998-built community; inspect carefully before you buy.

In a compact, attached condominium community like this, the durable differences between units are condition, confirmed ownership type, and position within the property. Because Cobblestone includes both individually owned condominium units and a managed apartment-rental portion, confirm which applies to a specific unit, whether shared walls or common areas affect it, and what association dues and coverage apply before you commit. Quieter interior positions away from County Road 220 tend to hold more appeal, and a thorough inspection is the main way to price in the age of a community built in 1998.

The 15-Second Verdict

Cobblestone in 15 seconds.

Best forBuyers who want an attached, lower-maintenance condominium resale within the established Eagle Harbor community.

Biggest advantageA Doctors Lake area location with reasonably direct access toward Orange Park and downtown Jacksonville.

Biggest riskBuying before confirming whether a unit is an individually owned condominium or part of the managed apartment portion, and its association terms.

Sweet spotA documented condominium unit with confirmed association dues and clear carrying costs.

Avoid ifYou need a single-family home or cannot budget time to verify unit-specific ownership and association details.

HOA, CDD & Fees

15-Second Take

Confirm whether a unit is an individually owned condominium or part of the managed apartment portion.
Condominium association dues not independently confirmed; verify before you rely on them.
No CDD was identified, but confirm it on the parcel tax record.
Marketed amenities include two pools, two hot tub spas, a fitness center, and a playground; confirm condo-owner access.
Budget for a bindable Florida condominium or homeowners insurance quote before you buy.

Cobblestone is one of the sub-associations inside the larger Eagle Harbor community structure, and individually owned units carry a condominium association fee. Current dues were not independently confirmed in this fast pass; confirm the exact figure and what it covers directly with the association's professional property management. The managed apartment portion of the community operates under separate ownership and is not an HOA arrangement in the traditional sense.

If a unit is an individually owned condominium, confirm in writing exactly what association dues cover, since the marketed pools, hot tub spas, fitness center, and playground are described in the apartment portion's materials.

No golf course or private club membership was identified as part of this community; Eagle Harbor's golf club, if applicable, would be a separate confirmed benefit.

Run Your Numbers

Tools for a Cobblestone buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxClay County millage and the homestead picture.Rent vs buyThe breakeven on owning in Cobblestone.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not an automated estimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Cobblestone

Thinking of selling a Cobblestone at Eagle Harbor home?

Selling a compact, established Fleming Island condominium unit takes a real strategy, not an automated estimate. We will show you the honest math on how condition, ownership type, and association terms position your unit against what is actually selling nearby.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Cobblestone, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Eagle Harbor, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Cobblestone home worth?

Get a no-obligation home value based on real comparable sales in Cobblestone matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Cobblestone at Eagle Harbor on the map →

Real comps, not an automated estimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Cobblestone at Eagle Harbor year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Clay County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$1,806/mo

Clay County typical true cost to own

$99/mo

Clay County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Clay County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Live market metrics for Cobblestone at Eagle Harbor are being compiled from realMLS activity and will appear here as listings and sales post. For current county-level figures, see the market data links below.

Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Is Cobblestone at Eagle Harbor a new-construction community?

No. It is an established condominium community off County Road 220 in Fleming Island, built in 1998 within the larger Eagle Harbor community. Homes here are resales.

What kind of homes are in Cobblestone at Eagle Harbor?

Local listing and property-management sources describe attached condominium units generally running from about 786 to 1,247 square feet with 1 to 3 bedrooms. A portion of the community also operates as a professionally managed apartment-rental community. Confirm the exact configuration by unit.

Is there an HOA or condominium association?

Yes. Cobblestone is one of the sub-associations inside the larger Eagle Harbor community structure, and individually owned units carry a condominium association fee. Current dues were not independently confirmed in this fast pass; confirm directly with the association's property management before you rely on it.

Is there a CDD bond on the taxes?

No Community Development District was identified for this parcel. Confirm CDD status on the specific parcel's tax record with the Clay County Property Appraiser before you rely on it.

Are the units condominiums or apartments?

Both apply within Cobblestone. Individually owned condominium units trade on the resale market, while a portion of the community is operated as a separately managed apartment-rental community. Confirm which applies to a specific unit before you make an offer.

What should I check before buying an older unit here?

Focus on roof age, plumbing, electrical, and HVAC, since attached-home systems age varies by unit in a community built in 1998. Get a thorough inspection and budget for updates where needed.

Is the area in a flood zone?

Flood zone designation is address-specific given the proximity to Doctors Lake and the St. Johns River. Confirm the FEMA flood zone and get a bindable insurance quote for the exact unit before you commit.

What amenities does the community have?

Marketing materials describe two swimming pools, two hot tub spas, a fitness center, a fenced playground, and pet stations. These are marketed for the managed apartment portion; confirm what access individually owned condominium units have with the association.

What schools serve the area?

It is in the Clay County School District, with Fleming Island High School serving the area at the high-school level. The zoned elementary and middle schools should be verified by the specific address, since attendance zones change.

How is the commute to Orange Park or Jacksonville?

Cobblestone sits off County Road 220 in Fleming Island, giving reasonably direct access toward Orange Park and, further north, downtown Jacksonville. Other drive times on this page are approximate estimates.

How far is the airport or Naval Air Station Jacksonville?

Jacksonville International Airport is roughly a 40 to 50 minute approximate drive, and Naval Air Station Jacksonville is roughly 25 to 30 minutes. Both are longer than the immediate Fleming Island commute but still manageable.

Is Cobblestone at Eagle Harbor gated or age-restricted?

There is no verified information that the community is gated, and it is not marketed as age-restricted or 55 plus.

What is the biggest risk of buying here?

Buying before confirming whether a specific unit is an individually owned condominium or part of the managed apartment portion, and its association status. Both are manageable with direct verification.

Should I get my own agent to buy a resale here?

Yes. An experienced agent helps you confirm ownership type, association status, and condition against genuinely comparable sales, and represents your interests in the negotiation.

How current is the market data on this page?

This page will fill in with live realMLS data as sales in the community accrue. Until then, treat market figures as thin, and always confirm price and condition against genuinely comparable units before you make an offer.

Who is the best real estate agent for Cobblestone at Eagle Harbor?

The best agent for Cobblestone at Eagle Harbor is one who actively works Fleming Island and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Cobblestone at Eagle Harbor.

How do I find a top Fleming Island real estate agent who knows Cobblestone at Eagle Harbor?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cobblestone at Eagle Harbor and the wider Fleming Island area.

Can Momentum Realty connect me with an agent for Cobblestone at Eagle Harbor?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cobblestone at Eagle Harbor purchase or sale - no call center and no pressure.

The Verdict

Should you buy in Cobblestone?

An honest fit check. We will tell you when it is not your community.

You want an attached, lower-maintenance condominium resale within the established Eagle Harbor community.Excellent fit

You commute toward Orange Park or downtown Jacksonville and value the Doctors Lake area location.Excellent fit

You are willing to directly verify ownership type, association status, and dues before you buy.Excellent fit

You can budget for inspection findings typical of a community built in 1998.Excellent fit

You need a single-family home, which is the more typical Eagle Harbor product.Probably not

You require amenities exclusive to condominium owners rather than shared with a managed apartment portion.Probably not

You are not willing to verify whether a specific unit is an individually owned condominium or part of the managed apartment portion.Probably not

You cannot budget for older-unit inspection findings or Florida insurance costs.Probably not

Get the inside read on Cobblestone

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cobblestone home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Cobblestone specialist will reach out personally, usually the same day.

Median sale price in Cobblestone at Eagle Harbor, Florida by year (2012 to 2026). Source: Momentum Realty.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.

Cobblestone atEagle Harbor Homes for Sale in Fleming Island, FL

The 60-Second Overview

Who Cobblestone is best for.

Best for

Probably not for

How Cobblestone is performing right now

Cobblestone on the map.

How far is everything?

Nearby Communities

Schools

Fleming Island High School (Clay County School District)

Green Cove Springs Junior High School or your address-zoned middle school (verify by address)

Fleming Island Elementary School or your address-zoned elementary school (verify by address)

Recent Developments in Cobblestone at Eagle Harbor

Eagle Harbor area is fully built out

Mixed condominium and rental ownership

No new-construction competition inside the community

Florida insurance costs remain a real line item

The Cobblestone buying strategy.

The full read, only if you want it.

The Homes

Costs & Fees

Amenities

Location

What your money buys in Cobblestone.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Cobblestone holds value.

5 Mistakes Buyers Make in Cobblestone

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Cobblestone is different.

Which Lots & Views Hold Value Best

Cobblestone in 15 seconds.

HOA, CDD & Fees

Tools for a Cobblestone buy.

Thinking of selling a Cobblestone at Eagle Harbor home?

In Cobblestone, condition and view decide your number

What is your Cobblestone home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Frequently Asked Questions

Should you buy in Cobblestone?

Get the inside read on Cobblestone

You are all set.

Need to sell fast in Duval County?

You just read the data. Now see what your home is worth.

Cobblestone at
Eagle Harbor Homes for Sale in Fleming Island, FL