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.

108 HOLLY CREEK Drive, St. Johns, FL 32259 (MLS# 2128041)

108 HOLLY CREEK Drive, St. Johns, FL 32259

$604,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,989 Status: Closed

Current Price: $604,000 List Date: 2/01/2026 Last Modified: 5/12/2026

Overview

Description

LOT 79 - The 2,989 sq. ft. Kingsley floorplan has the perfect layout for your best life! The magnificent open-concept kitchen, dining area and Great Room are on the ground floor. On the way in via the front door, the flex room makes a perfect sitting room. Upstairs, a large loft admits natural light from the front and side of the home. The owner's suite has a private bath with linen closet, plus a large walk-in closet for your wardrobe. Bedrooms 2, 3 and 4 share a full bath near a convenient, central laundry room. Bedrooms 2 and 4 also have their own walk-in closets. Located in RiverTown along the scenic St. Johns River, residents enjoy trails, parks, lakes, and vibrant social amenities under the Florida sun.

Listing Details MLS# 2128041

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2989
Living Area Source: Plans
Year Built: 2025
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Association YN: Yes
Association Fee: 53
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 4964
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2026-05-15
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: Yes
Stories: 2
Senior Community YN: No
Direction Faces: Southwest
Directions: From I-95, Exit 329 for CR 210 toward Green Cove Springs, West onto CR 210, continue straight onto Greenbriar Rd, turn left on Longleaf Pine Pkwy, RiverTown Welcome Center is on the right.
Public Remarks: LOT 79 - The 2,989 sq. ft. Kingsley floorplan has the perfect layout for your best life! The magnificent open-concept kitchen, dining area and Great Room are on the ground floor. On the way in via the front door, the flex room makes a perfect sitting room. Upstairs, a large loft admits natural light from the front and side of the home. The owner's suite has a private bath with linen closet, plus a large walk-in closet for your wardrobe. Bedrooms 2, 3 and 4 share a full bath near a convenient, central laundry room. Bedrooms 2 and 4 also have their own walk-in closets. Located in RiverTown along the scenic St. Johns River, residents enjoy trails, parks, lakes, and vibrant social amenities under the Florida sun.
List Price/SqFt: 202.07
Sold Price/SqFt: 202.07

Property Features

Property Condition: Under Construction Appliances: Dishwasher; Disposal; Dryer; Freezer; Gas Range; Ice Maker; Microwave; Plumbed For Ice Maker; Refrigerator; Tankless Water Heater; Washer Interior Features: Breakfast Bar; Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Smart Thermostat; Walk-In Closet(s) Laundry Features: Electric Dryer Hookup; Gas Dryer Hookup; Washer Hookup Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Smart Home Features: Carbon Monoxide Detector; Programmable Thermostat; Smoke Detector Construction Materials: Fiber Cement; Frame Patio And Porch Features: Covered; Patio Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Sprinklers In Front; Sprinklers In Rear View: Pond Waterfront Features: Pond Current Use: Residential Association Amenities: Basketball Court; Children's Pool; Clubhouse; Community Pool; Dog Park; Fitness Center; Jogging Path; Park; Pickleball; Playground; Tennis Court(s) Community Features: Restaurant; Sidewalks Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan; Other

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-02-01

Location Tax and Legal

Street Number: 108
Street Name: HOLLY CREEK
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 302-Orangedale Area
Subdivision Name: Rivertown Forest

Status Change Information

Major Change Timestamp: 2026-05-12T15:41:12Z
Major Change Type: Status Change
Price Change Timestamp: 2026-03-27T20:42:13Z
Purchase Contract Date: 2026-04-04
Close Date: 2026-05-08
Close Price: 604000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: MATTAMY REAL ESTATE SERVICES

Last Updated: May - 12 - 2026

Information deemed reliable but not guaranteed.

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Zelda Greenberg is a real estate agent affiliated with Legacy Realty Group North Florida, Inc., a licensed real estate brokerage that abides by equal housing opportunity laws. This is not intended to solicit property already listed. All material presented is intended for informational purposes only. Information is compiled from sources that are deemed reliable but subject to price changes, condition, sale, withdrawal, and errors & omissions.

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