Cobblestone
Homes for Sale in Fleming Island, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 13 closed sales in Cobblestone in Fleming Island, FL since 2009, the most recent in July 2019. Across Fleming Island as a whole, 266 homes closed in the last 12 months at a median of $460,000, 28 median days on market, with 58 homes for sale today. At that median and Clay County's FY2025-26 rate of 15.05 mills, annual property tax runs about $6,920 ($6,330 with the full homestead exemption).
The honest starting point on Cobblestone is that we don't have a fresh closing to anchor to right now — the recent-sales window here is empty as of mid-2026. That means pricing in this Fleming Island pocket of Clay County is being set less by comparable transactions and more by condition, lot, and how a given listing shows against the broader area.
For a seller, that puts the burden on preparation and realistic positioning rather than leaning on a recent neighbor's number. For a buyer, it means you can't assume a market rhythm from thin data — you underwrite the specific home in front of you and check it against the wider Fleming Island trend before you commit.
Nearby homes for sale
No active listings inside Cobblestone right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Cobblestone sits in Fleming Island, on the Clay County side of the river south of Jacksonville. It reads as a settled residential community where the individual home — not a busy sales cadence — drives the conversation.
realMLS (Northeast Florida) sales records identify 6 homes in Cobblestone that have changed hands since 2011, built between 1998 and 2007 (median 1998), with a median living area of about 1,104 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: realMLS (Northeast Florida) closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Cobblestone is best for.
Best for
- Buyers who want a settled Fleming Island address and will evaluate a home on its own merits
- Long-hold buyers who aren't trying to time a fast-moving market
- Sellers ready to invest in condition and presentation to justify their price
Probably not for
- Buyers who need a stack of recent comparable sales to feel confident
- Investors looking for high transaction volume and quick turnover
- Sellers hoping to price off a recent neighbor's number that doesn't exist right now
The market around Cobblestone
Cobblestone is too small for its own price trend, so here is the market around it.
In ZIP 32003, 158 homes are on the market and 32% are under contract — a fast-moving corner of Fleming Island.
Across Clay County, 1,286 homes are active and 456 pending (26% under contract).
In ZIP 32003 (Fleming Island), 449 homes closed in the last 12 months at a median of $460K ($214/sq ft), down 2.3% year over year, with a median 32 days on market. Right now 86 active and 35 pending listings put supply at about 3.2 months — a healthy market. See the live ZIP 32003 housing market and the Clay County market.
ZIP and county figures describe the wider market, not Cobblestone specifically. Momentum Research analysis of MLS records.
The Cobblestone buying strategy.
If we were buying in Cobblestone today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cobblestone.
Pricing in a thin-data window
With no closings in the current window, the useful work happens listing by listing. Age, updates, roof and systems, lot position, and how a home presents will move value more than any headline number — because there isn't a recent headline number to lean on.
That's not a red flag; it's a normal feature of a smaller community that doesn't turn over often. It does mean the right price is a defensible price: built from the physical condition of the property and the wider Fleming Island context, not from assumption.
The location and the amenities are priced into every listing in Cobblestone. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When the recent-sales data is thin, guesswork gets expensive. We build the price from the home itself and the broader Fleming Island market, tell you plainly where a listing is strong or soft, and keep you from anchoring to a number the data doesn't actually support.
Cobblestone in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Cobblestone buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cobblestone sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cobblestone, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cobblestone home worth?
Get a no-obligation home value based on real comparable sales in Cobblestone, 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 all homes for sale in Fleming Island →
Should you buy in Cobblestone?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2009 (13 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cobblestone fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Cobblestone with Momentum Realty’s local guides.
Schools serving nearby communities
We do not have a confirmed school assignment for Cobblestone. These are the public schools most often assigned to other communities in ZIP 32003; zones change and vary by address, so confirm with the district before you buy.
- Fleming Island High School · 9-12 (zoned; confirm by address) · FLDOE grade A (assigned to 34 nearby communities)
- Green Cove Springs Junior High School · 7-8 (zoned; confirm by address) · FLDOE grade A (assigned to 16 nearby communities)
- Thunderbolt Elementary School · (zoned; confirm by address) · FLDOE grade A (assigned to 9 nearby communities)
- Fleming Island Elementary School · PreK-5 (in the community) · FLDOE grade A (assigned to 8 nearby communities)
- Thunderbolt Elementary · K-5 · FLDOE grade A (assigned to 7 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Cobblestone
Where is Cobblestone?
Cobblestone is a community in Fleming Island, Clay County, Florida, ZIP 32003.
Are there homes for sale in Cobblestone right now?
No active listings inside Cobblestone at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Cobblestone have an HOA or CDD?
No HOA is on record for Cobblestone in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.