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.

109 HOLLY CRK Drive, St. Johns, FL 32259 (MLS# 2131671)

109 HOLLY CRK Drive, St. Johns, FL 32259

$524,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,603 Status: Closed

Current Price: $524,000 List Date: 2/24/2026 Last Modified: 5/26/2026

Overview

Description

Lot 19 - The Hawkin floorplan, showcased in a charming Farmhouse elevation, blends classic curb appeal with thoughtfully designed living spaces. Inside, the expansive open-concept layout offers comfort for everyday living and effortless entertaining. The spacious kitchen with a welcoming breakfast bar flows into the dining area and great room, creating a warm, connected atmosphere. A light-filled flex room off the hall is perfect for a home office or cozy retreat. Privately tucked at the rear, the owner's suite features a spa-inspired bath and oversized walk-in closet. Bedroom two includes its own full bath and walk-in closet, while bedrooms three and four share a full bath. A covered lanai enhances indoor-outdoor living, and a three-car garage provides ample storage. RiverTown, along the St. Johns River, offers parks, lakes, preserves, and miles of scenic trails for active Northeast Florida living.

Listing Details MLS# 2131671

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2603
Living Area Source: Plans
Year Built: 2026
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: 2026-05-27
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: Yes
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 19 - The Hawkin floorplan, showcased in a charming Farmhouse elevation, blends classic curb appeal with thoughtfully designed living spaces. Inside, the expansive open-concept layout offers comfort for everyday living and effortless entertaining. The spacious kitchen with a welcoming breakfast bar flows into the dining area and great room, creating a warm, connected atmosphere. A light-filled flex room off the hall is perfect for a home office or cozy retreat. Privately tucked at the rear, the owner's suite features a spa-inspired bath and oversized walk-in closet. Bedroom two includes its own full bath and walk-in closet, while bedrooms three and four share a full bath. A covered lanai enhances indoor-outdoor living, and a three-car garage provides ample storage. RiverTown, along the St. Johns River, offers parks, lakes, preserves, and miles of scenic trails for active Northeast Florida living.
List Price/SqFt: 201.31
Sold Price/SqFt: 201.31

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 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: 2026-02-24

Location Tax and Legal

Street Number: 109
Street Name: HOLLY CRK
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: 2026-05-26T14:33:21Z
Major Change Type: Status Change
Price Change Timestamp: 2026-03-27T20:42:42Z
Purchase Contract Date: 2026-04-13
Close Date: 2026-05-20
Close Price: 524000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: MATTAMY REAL ESTATE SERVICES

Last Updated: May - 26 - 2026

Information deemed reliable but not guaranteed.