Active·8 days on market
77078 Cobblestone Drive
Yulee, FL 32097
About this home
Yulee
COME SEE IT TODAY! Bright and spacious, this 3 bedroom, 2 full bath home features a 3 car garage, vinyl and carpet throughout and a kitchen with appliances that opens up to the living room/dining room. Property is being sold ''As-Is'' with the right to inspect. Seller will make no repairs. Seller will not pay for or provide survey. This property may qualify for Seller Financing (Vendee). If property was built prior to 1978, Lead Based Paint Potentially exists. Please see attachments for offer instructions.
Cost to own
Mortgage calculator
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $249,949 | $249,949 | — |
| 2024 | $241,575 | $153,458 | — |
| 2023 | $233,545 | $147,386 | — |
| 2022 | $196,491 | $145,991 | — |
| 2021 | $168,006 | $109,288 | — |
| 2020 | $157,089 | $107,089 | — |
2025 property taxes (current owner): $3,837/yr
Estimated taxes if purchased at asking price: ~$4,400/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: material not specified — year not disclosed (home built 2013)
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: ~1,725 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.
History
Price & status history
- Jul 17, 2026Active$265,000
- Jul 17, 2026Pending$265,000
- Jun 15, 2026Listed$265,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ALFA REALTORS CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Timber Creek Plantation 1
Active$324,000MLS# 2155483Est. $1,724/mo76170 Long Leaf Loop, Yulee, FL 320973 Beds3 Baths1,632 sqftMove-in ready and beautifully maintained, this 3-bedroom, 2-bathroom home in Timber Creek offers the perfect blend of…
ResidentialREAL BROKER LLC
Active Under Contract$335,000MLS# 2152712Est. $1,783/mo76401 Deerwood Drive, Yulee, FL 320973 Beds2 Baths1,850 sqftCheck out this meticulously maintained beauty with an open floor plan and cathedral ceilings that backs up to a wooded…
ResidentialONE REALTY CORP
Active$407,000MLS# 2135134Est. $2,166/mo76100 Deerwood Drive, Yulee, FL 320974 Beds2 Baths2,495 sqftBeautiful 4-bedroom, 2.5-bath residence featuring spacious and thoughtfully designed floor plan perfect for both…
ResidentialZEE LUXE REALTY INC
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines