Are Jacksonville home prices expected to drop further?

Nobody can honestly promise a specific direction. Prices are down modestly year over year, not falling sharply, and the market is described as balanced to slightly seller-favoring by most current reporting — not a buyer's market in the way the term usually implies.

How many days does it actually take to buy a house in Jacksonville right now?

It depends heavily on the specific home. Current data shows a real split: well-priced homes in strong areas can go under contract in under two weeks, while others sit for three months or more. The citywide average sits somewhere in between and can be misleading on its own.

Is Jacksonville still a buyer's market or a seller's market?

Most current data puts it close to balanced, with a slight lean toward sellers overall — but this varies meaningfully by neighborhood and price point, which is why a citywide label only tells part of the story.

Should I wait for mortgage rates to drop before buying?

That's a real financial trade-off, not a simple yes or no — rates have actually trended up, not down, through this fall. A monthly-payment conversation based on your actual numbers is more useful than a guess about where rates go next.

101 ELM BRANCH Road, St. Johns, FL 32259 (MLS# 2152014)

101 ELM BRANCH Road, St. Johns, FL 32259

$4,390

Property Type: Residential Lease Bedrooms: 5 Baths: 4 Square Footage: 3,848 Lot Size (sq. ft.): 10,454 Status: Active

Current Price: $4,390 List Date: 10/20/2026 Last Modified: 10/28/2026

Overview

Description

THIS HOME DELIVERS! EAST-FACING WATERFRONT HOME!! OPEN CONCEPT, 5-BED, 4-BATH w/ LOFT & OFFICE/FLEX SPACE, 3-CAR GARAGE HOME w/ EXTENSIVE UPGRADES! ELEVATED FINISHES incl WHITE OAK Flooring, CUSTOM Millwork & DESIGNER LIGHTING. Gourmet Kitchen w/ Ceiling-Height Cabinetry, CUSTOM Backsplash, OVERSIZED Island & KitchenAid Appliances, 6-BURNER GAS Cooktop, Touch Activated Faucet, POT FILLER. QUARTZ Countertops. PRI SUITE offers Expansive Walk-in Shower featuring DUAL OPPOSING Shower Heads. CUSTOM CLOSETS. CUSTOM Drop Zone & Cabinetry in Laundry Rm, TELSA/EV Charger, Owned Water Softener, EPOXY Garage Floors, OVERHEAD HANGING GARAGE STORAGE. PERM EXT HOLIDAY LIGHTING, WHOLE HOME WIRED for GENERATOR. Enjoy the peaceful waterfront setting from your own backyard—perfect for morning coffee, entertaining or unwinding. Located in sought-after, gated Mill Creek Forest w/ Community Amenities and Desirable Location. Unfurnished rental. This is a MUST SEE!

Listing Details MLS# 2152014

General Property Information

Bedrooms Total: 5
Bathrooms Full: 4
Bathrooms Total: 4
Living Area: 3848
Living Area Source: Public Records
Year Built: 2024
Accessory Dwelling Unit Y/N: No
Lot Size Acres: 0.24
Association YN: Yes
Association Fee: 146
Association Fee Frequency: Monthly
Accessibility Features YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: Yes
Stories: 2
Stories Total: 2
Senior Community YN: No
Directions: From I-95 take exit 329 towards Green Cove Springs, head W on CR 210, it will turn into Greenbriar Rd. Mill Creek Forest will be a right on Bridgeton St.
Public Remarks: THIS HOME DELIVERS! EAST-FACING WATERFRONT HOME!! OPEN CONCEPT, 5-BED, 4-BATH w/ LOFT & OFFICE/FLEX SPACE, 3-CAR GARAGE HOME w/ EXTENSIVE UPGRADES! ELEVATED FINISHES incl WHITE OAK Flooring, CUSTOM Millwork & DESIGNER LIGHTING. Gourmet Kitchen w/ Ceiling-Height Cabinetry, CUSTOM Backsplash, OVERSIZED Island & KitchenAid Appliances, 6-BURNER GAS Cooktop, Touch Activated Faucet, POT FILLER. QUARTZ Countertops. PRI SUITE offers Expansive Walk-in Shower featuring DUAL OPPOSING Shower Heads. CUSTOM CLOSETS. CUSTOM Drop Zone & Cabinetry in Laundry Rm, TELSA/EV Charger, Owned Water Softener, EPOXY Garage Floors, OVERHEAD HANGING GARAGE STORAGE. PERM EXT HOLIDAY LIGHTING, WHOLE HOME WIRED for GENERATOR. Enjoy the peaceful waterfront setting from your own backyard—perfect for morning coffee, entertaining or unwinding. Located in sought-after, gated Mill Creek Forest w/ Community Amenities and Desirable Location. Unfurnished rental. This is a MUST SEE!
List Price/SqFt: 1.14

Property Features

Additional Lease Terms: 12 Months; 24 Months Owner Pays: Association Fees; Grounds Care; Management Levels: Two Appliances: Dishwasher; Disposal; Dryer; Electric Oven; Gas Cooktop; Microwave; Refrigerator; Tankless Water Heater; Washer; Water Softener Owned Interior Features: Built-in Features; Ceiling Fan(s); Eat-in Kitchen; Entrance Foyer; Guest Suite; His and Hers Closets; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Primary Downstairs; Smart Thermostat; Split Bedrooms; Walk-In Closet(s) Laundry Features: Electric Dryer Hookup; Gas Dryer Hookup; In Unit; Lower Level; Sink; Washer Hookup Patio And Porch Features: Covered; Front Porch; Patio; Rear Porch Association Amenities: Clubhouse; Community Pool; Fitness Center; Gated; Jogging Path; Maintenance Grounds; Park; Pickleball; Playground; Tennis Court(s) Association Fee Includes: Maintenance Grounds; Maintenance Structure Community Features: Gated; Sidewalks Water Source: Public Parking Features: Attached; Garage; Garage Door Opener Sewer: Public Sewer Security Features: Security System Owned; Smoke Detector(s) View: Pond; Protected Preserve; Trees/Woods; Water Waterfront Features: Pond Utilities: Cable Available; Electricity Available; Natural Gas Available; Sewer Not Available; Water Available Cooling: Central Air; Electric Heating: Central; Electric Road Surface Type: Paved Additional Fee Includes: Lease Prep Rent Includes: Management Tenant Pays: All Utilities Pets Allowed: Yes; Breed Restrictions; Number Limit

Contract Information

Rental Service: None
Property Sub Type: Single Family Residence
Listing Contract Date: 2026-06-23
Lease Term: 12 Months
Availability Date: 2026-08-01

Location Tax and Legal

Street Number: 101
Street Name: ELM BRANCH
Street Suffix: Road
State: FL
County: St. Johns
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: Mill Creek Forest

Status Change Information

Major Change Timestamp: 2026-10-28T22:53:27Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-10-28T22:53:27Z

Deposits and Fees

Additional Fee: 150
Application Fee: 85
Pet Fee/Deposit: 250
Security Deposit: 4450

More Information

Listing Office: DOORVINE REALTY LLC

Last Updated: October - 28 - 2026

Information deemed reliable but not guaranteed.