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Active

Active·68 days on market

77137 Cobblestone Drive

Yulee, FL 32097

$396,500$207/sqftEst. $2,041/moMLS# 2149146

Beds

Baths

1,919

Sq Ft

2011

Built

Garage

Yes

Pool

About this home

Yulee

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.

Cost to own

Mortgage calculator

Home Price

$396,500

Down Payment: 20%

$79,300

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,041

Principal & Interest: $2,041

Property taxes (est.): $547

Insurance (est.): $264

Estimated Total Monthly

$2,852

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$2,041

Property taxesest. at asking price, Nassau County$547

HOAbilled semi-annually$45

Estimated total, before insurance$2,633/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,993/yr · $333/mo

• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $370,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$300,825	$249,720	—
2024	$291,975	$241,975	—
2023	$284,691	$234,691	—
2022	$234,820	$155,334	—
2021	$208,261	$149,353	—
2020	$196,601	$146,601	—

2025 property taxes (current owner): $3,993/yr

Estimated taxes if purchased at asking price: ~$6,600/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 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

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.

Hurricane evacuation zone G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2011)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,733 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 home

As 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.

History

Price & status history

Aug 2, 2026Price change$396,500−$2,500
Jun 6, 2026Listed$399,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$396,500

Price / Sq Ft$207

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,919

Total Structure Area1,919 sq ft

Acres0.19 acres

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water

Is WaterfrontNo

Community Information

Address77137 Cobblestone Drive, Yulee, FL 32097

Area492-Nassau County-W Of I-95/N To State Line

SubdivisionTimber Creek

CityYulee

CountyNassau

StateFL

Zip Code32097

Lot Size8,276.4 sq ft

Parcel Number112N26205201960000

ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

# of Stories1

LevelsOne