This home is in Jacksonville.
Sold·Closed Jul 14, 2026·52 days on market·Recent sales in Jacksonville
12054 Cobblewood Lane N
Jacksonville, FL 32225
About this home
Jacksonville
Discover a great opportunity in the desirable Cobblestone neighborhood! This 3 bedroom 2.5 bath two-story townhome offers 1,508 sq ft of comfortable living space and includes a garage. Recent updates have already been completed, including fresh interior paint, a new dishwasher, and a stainless steel stove, making it move in ready with added peace of mind. The home features a functional layout that's perfect for everyday living, with a roof over completed in 2018 and the added benefit of no HOA. It's well suited for buyers looking for a home they can enjoy as is while still having the option to personalize over time. Conveniently located near shopping, dining, and major roadways, this property offers both comfort and accessibility in a well established community.
Next steps in Jacksonville
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 1989)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,752 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $213,030 | $25,000 | — |
| 2024 | $193,059 | $25,000 | ▲ $11,097 |
| 2023 | $183,088 | $25,000 | — |
| 2022 | $156,879 | $25,000 | ▲ $4,465 |
| 2021 | $126,606 | $25,000 | — |
| 2020 | $118,602 | $25,000 | ▲ $14,000 |
Estimated taxes if purchased at asking price: ~$4,300/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Jul 14, 2026Closed$229,000
- Jul 13, 2026Pending$229,000
- Apr 20, 2026Listed$229,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $151/sq ft; this home is listed at $152/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12067 Cobblewood Lane N, Jacksonville, FL 32225Listed by PARADIGM VISION GROUP | Jul 2026 | $235,000 | $151 | 3/2.5 | 1,556 | 41 | 0 |
| 11870 Ashbrook Circle N, Jacksonville, FL 32225Listed by COASTAL REALTY JAX | May 2026 | $185,000 | $147 | 2/2.5 | 1,258 | 1 | 0.4 |
| 11866 Ashbrook Circle N, Jacksonville, FL 32225Listed by WATSON REALTY CORP | Dec 2025 | $166,000 | $113 | 3/2 | 1,463 | 7 | 0.4 |
| 11659 Dunes Way Drive N, Jacksonville, FL 32225Listed by REALTY ZOOM | Aug 2026 | $137,000 | $100 | 2/2 | 1,372 | 51 | 0.6 |
| 11623 McCormick Road, Jacksonville, FL 32225Listed by HERRON REAL ESTATE LLC | Dec 2025 | $218,000 | $170 | 2/2.5 | 1,282 | 41 | 0.6 |
| 11608 Dunes Way Drive N, Jacksonville, FL 32225Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $218,000 | $191 | 2/2 | 1,144 | 95 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ONE REALTY CORP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Jul 14, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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