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 STONE CREEK Circle, St. Johns, FL 32259 (MLS# 2106775)

104 STONE CREEK Circle, St. Johns, FL 32259

$665,900

Virtual Tour

https://www.zillow.com/view-imx/d2e302e2-301c-4867-ab9a-fb1524bcbdf5?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 3,231 Lot Size (sq. ft.): 11,326 Status: Closed

Current Price: $665,900 List Date: 9/09/2025 Last Modified: 4/21/2026

Overview

Description

Discover your dream home in one of St. Johns County's most desirable communities, where low HOA fees & no CDD mean you can truly enjoy where you live. This stunning 4-bedroom, 3-bath home w/ a private office blends style, comfort & practicality in all the right ways. Step inside & feel instantly at home. The open concept layout is perfect for both everyday living & entertaining, w/ a bright, airy flow from the spacious living room to the dining area & gourmet kitchen. You'll love cooking & gathering around the large island, surrounded by beautiful countertops, stainless steel appliances & plenty of storage. The primary suite is your peaceful retreat, complete w/ a spa-inspired bathroom featuring dual vanities, a walk-in shower & an oversized closet. Three additional bedrooms offer room to grow, host guests, or create the perfect hobby space, while the dedicated office gives you flexibility for working from home or simply having a quiet corner to focus. Preferred lender incentives.

Listing Details MLS# 2106775

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 3231
Living Area Source: Public Records
Year Built: 2016
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.26
Association YN: Yes
Association Fee: 382
Association Fee Frequency: Quarterly
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: Yes
Furnished: Unfurnished
Stories: Yes
Senior Community YN: No
Direction Faces: South
Directions: South on St Johns Parkway, right onto County Road 210, right on Stone Creek Circle, home is on the right.
Public Remarks: Discover your dream home in one of St. Johns County's most desirable communities, where low HOA fees & no CDD mean you can truly enjoy where you live. This stunning 4-bedroom, 3-bath home w/ a private office blends style, comfort & practicality in all the right ways. Step inside & feel instantly at home. The open concept layout is perfect for both everyday living & entertaining, w/ a bright, airy flow from the spacious living room to the dining area & gourmet kitchen. You'll love cooking & gathering around the large island, surrounded by beautiful countertops, stainless steel appliances & plenty of storage. The primary suite is your peaceful retreat, complete w/ a spa-inspired bathroom featuring dual vanities, a walk-in shower & an oversized closet. Three additional bedrooms offer room to grow, host guests, or create the perfect hobby space, while the dedicated office gives you flexibility for working from home or simply having a quiet corner to focus. Preferred lender incentives.
List Price/SqFt: 208.91
Sold Price/SqFt: 206.1

Property Features

Architectural Style: Contemporary Levels: One Appliances: Dishwasher; Disposal; Gas Range; Gas Water Heater; Microwave; Refrigerator Interior Features: Breakfast Bar; Ceiling Fan(s); Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom -Tub with Separate Shower; Primary Downstairs; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Laminate; Tile Laundry Features: Sink Utilities: Cable Available; Electricity Available; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: Smoke Detector(s) Patio And Porch Features: Covered; Front Porch Roof: Shingle Parking Features: Garage; Gated View: Pond Waterfront Features: Pond Current Use: Residential; Single Family Association Amenities: Playground Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Room Types: Bedroom 1; Bedroom 2; Bedroom 3; Bonus Room; Primary Bathroom