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Overview

5 bd5 ba3,824 sqft4 car garageSingle Family
TypeSingle Family
HOA$600/yr
Built2006
Lot88,862 sqft
Living area3,824 sqft
Price / sqft$234
Garage4 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Surface Counters

163 NW Amber CT is a 2006-built home in Cobblestone, Lake City. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,824 square feet of living space. Listed at $895,000 (about $234/sqft), 260 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $600 annually.

From the listing

Tucked away at the end of a quiet, private cul-de-sac, this remarkable estate offers an exceptional blend of space, privacy, and flexibility—an increasingly rare find with ideal accommodations for multi-generational living. Situated on 4 scenic acres, with approximately half already cleared, the property provides a tranquil, park-like setting where deer are frequent visitors, creating a peaceful connection to nature right outside your door. Inside, the main residence welcomes you with soaring 12-foot ceilings, rich hardwood and tile flooring throughout, and a warm gas fireplace that anchors the living space. A premium surround-sound system with built-in acoustic panels enhances the ambiance, making the home ideal for both everyday comfort and memorable entertaining. The thoughtfully designed layout includes 3 bedrooms plus a dedicated office and 3 full bathrooms, offering flexibility for working from home, hosting guests, or supporting extended family living arrangements. The primary suite is truly one of a kind, designed as a private retreat with an impressive his-and-her configuration featuring dual sinks, two toilets, two closets, and separate entrances to an oversized walk-through shower—an uncommon luxury that elevates daily living. A key highlight of the property is its multi-generational living capability, featuring an additional living space with its own garage access—perfect for extended family, long-term guests, or private quarters for independent living while still maintaining close connection to the main home. The 3-car garage plus the additional garage/workshop space with its own half bath provides flexibility for hobbies, storage, or separate workspace needs. For RV owners or adventure seekers, the 40' x 16' RV pole barn with 50-amp service provides the convenience and capacity to accommodate larger recreational vehicles with ease. Both kitchens and all bathrooms showcase all-wood custom cabinetry paired with solid-surface countertops, delivering durability and timeless appeal. One of the property’s most impressive features is the expansive screened porch—among the largest in the county—where you can unwind beneath the shade of majestic Live Oaks while enjoying peaceful views of the surrounding acreage. Offering an ideal balance of comfort, privacy, and versatility, this distinctive property presents a rare opportunity for multi-generational living, combining independent space with the warmth of shared surroundings—allowing everyone room to breathe, grow, and truly enjoy country living at its finest.

The essentials

Built
2006
Price / sqft
$234
On market
260 days
Annual tax
$4,224
HOA
$600/yr
Flood zone
X · Low risk
Lot
88,862 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
4 car garage
Bath In Garage
4.12 acres
Lot size
3,824 sqft
Living area

Payment

Est. monthly payment
$5,518/mo
Down payment (20%)
$179,000
Property taxes
$352/mo
HOA
$600/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
88,862 sqft
Cooling
Central Air
Heating
Electric
Parking
Bath In Garage, Circular Driveway, Garage Door Opener, Garage Faces Side, RV Carport, RV Access/Parking, Workshop in Garage
Days on Market
260
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Private Yard
Rv Hookup
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,224
Parcel #
24-3S-16-02275-132

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cobblestone
County
Columbia
MLS Area
32055 - Lake City
Lot Size
88,862 sqft
LevelPaved
HOA
$600/yr
Cobblestone Homeowners

Price history

Date
Event
Price
8/26/2026
Price change
Source: Stellar MLS #GC536542
$895,000-3.2%
$234/sqft
-
Price change
Source: Stellar MLS #GC536542
$925,000-5.1%
$242/sqft
1/28/2026
Listed for sale
Source: Stellar MLS #GC536542
$975,000
$255/sqft

Neighborhood

163 NW Amber CT
Lake City, FL, 32055 · 32055 - Lake City

Market insights

Offer Insights

Choose an offer strength

List price: $895,000
$860,000 – $895,000
95.9% – 100% of listTops out right at the list price
80% of listList price
24 of the last 46 home closings in Lake City landed at this number or higher (52%). The median one sat 49 days before it went under contract, and this one is on day 260 after a $80,000 cut.

Sample: 46 closed home sales in Lake City over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$5,517/mo
Principal & interest$4,668
Property taxes$352
Insurance$448
HOA$50
Down payment20% · $179,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$895,000

$234 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,824 sq ft

Time on market

260 days

Year built

2006

Monthly payment

About $5,518/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,224 annual tax bill, insurance, and the $600/yr HOA fee.

HOA fee

$600/yr

Managed by Cobblestone Homeowners.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byBOSSHARDT REALTY SERVICES LLCListing agent: Kristine WendigListing data from Stellar MLS, MLS# GC536542.

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