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.

104 BELMONT Drive, St. Johns, FL 32259 (MLS# 2147946)

104 BELMONT Drive, St. Johns, FL 32259

$1,200,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 3,147 Lot Size (sq. ft.): 110,207 Status: Closed

Current Price: $1,200,000 List Date: 5/31/2026 Last Modified: 11/02/2026

Overview

Description

A PRIVATE 2.53-ACRE ESTATE IN WHITELOCK FARMS. Discover a rare opportunity to enjoy privacy, space and an exceptional outdoor lifestyle in the sought-after equestrian community. Surrounded by mature trees this elegant all brick estate offers the feeling of a private country retreat while remaining conveniently located in St. Johns. The property features a screened heated saltwater pool and spa, and a fully equipped summer kitchen overlooking a beautifully landscaped, park-like setting. The single-story residence offers 4 bedrooms and 3 full baths with an open layout. the family room, anchored by a gas fireplace, provides a natural gathering space, while the kitchen features granite countertops, custom cabinetry and an eat-in area. The primary suite offers dual closets, custom built-ins, garden tub and walk-in shower. Two bedrooms share a jack-and-jill bath, and the fourth provides flexibility for guest, family or an office. An attached 3-car garage is complemented by a detached 2-car

Supplements: garage plus covered RV/boat parking with a 50-amp electrical hook-up. Additional bonus space near the laundry room provides flexibility for a gym, craft room or secondary office, while space above the detached garage offers additional potential for future customization. Whitelock Farms offers an established equestrian lifestyle with acreage, privac ... (Read more)

Listing Details MLS# 2147946

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 3147
Living Area Source: Appraiser
Year Built: 2003
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 2.53
Association YN: Yes
Association Fee: 2000
Association Fee Frequency: Annually
Association Name: Whitelock Farms
Association Phone: 904-461-5556
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 5
Carport YN: No
Pool Private YN: Yes
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: Yes
Senior Community YN: No
Directions: From I-95, exit right onto County Road 210. Go approx. 6 miles to the County Rd 210 South turn off. (goes left) Turn right into Whitelock Farms. (Belmont Drive) Second home on right.
Public Remarks: A PRIVATE 2.53-ACRE ESTATE IN WHITELOCK FARMS. Discover a rare opportunity to enjoy privacy, space and an exceptional outdoor lifestyle in the sought-after equestrian community. Surrounded by mature trees this elegant all brick estate offers the feeling of a private country retreat while remaining conveniently located in St. Johns. The property features a screened heated saltwater pool and spa, and a fully equipped summer kitchen overlooking a beautifully landscaped, park-like setting. The single-story residence offers 4 bedrooms and 3 full baths with an open layout. the family room, anchored by a gas fireplace, provides a natural gathering space, while the kitchen features granite countertops, custom cabinetry and an eat-in area. The primary suite offers dual closets, custom built-ins, garden tub and walk-in shower. Two bedrooms share a jack-and-jill bath, and the fourth provides flexibility for guest, family or an office. An attached 3-car garage is complemented by a detached 2-car
List Price/SqFt: 443.28
Sold Price/SqFt: 381.32

Property Features

Architectural Style: Traditional Levels: One Appliances: Dishwasher; Dryer; Gas Water Heater; Microwave; Refrigerator; Washer; Water Softener Owned Fireplace Features: Gas Interior Features: Breakfast Bar; Breakfast Nook; Ceiling Fan(s); Eat-in Kitchen; Entrance Foyer; His and Hers Closets; Jack and Jill Bath; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom -Tub with Separate Shower; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Tile; Wood Laundry Features: Electric Dryer Hookup; Sink; Washer Hookup Utilities: Cable Connected; Electricity Connected; Sewer Connected; Water Connected; Propane Cooling: Central Air Heating: Central Electric: 200+ Amp Service Water Source: Well Sewer: Septic Tank Construction Materials: Brick; Composition Siding Other Structures: Other Exterior Features: Outdoor Kitchen Patio And Porch Features: Covered; Front Porch; Porch; Screened Pool Features: In Ground; Heated; Salt Water; Screen Enclosure; Waterfall Spa Features: Heated; In Ground Roof: Shingle Parking Features: Detached; Garage; Garage Door Opener; RV Access/Parking Lot Features: Sprinklers In Front; Sprinklers In Rear; Wooded View: Pool; Protected Preserve; Trees/Woods Fencing: Wood Current Use: Horses; Residential; Single Family Association Amenities: Other Association Fee Includes: Maintenance Grounds Road Frontage Type: Private Road Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; USDA Loan; VA Loan