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.

11736 VALLEY GARDEN Drive, Jacksonville, FL 32225 (MLS# 2170787)

11736 VALLEY GARDEN Drive, Jacksonville, FL 32225

$365,000

Dawn Sutherland 11736 VALLEY GARDEN DR F

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 2,122 Lot Size (sq. ft.): 3,920 Status: Active

Current Price: $365,000 List Date: 10/24/2026 Last Modified: 11/02/2026

Overview

Description

Welcome to The Valley, an established neighborhood conveniently located across from Hidden Hills Golf Course! This move-in ready 3-bedroom, 2-bath home features a desirable downstairs primary suite with two additional bedrooms upstairs. Significant investments include a new roof (2023), durable Hardie board siding (2023), whole-home re-piped (2023), water heater (2023), and HVAC system (2021). The primary shower was updated in 2021, with additional improvements including fresh interior paint, a replaced fence, and garage door opener. A backyard patio offers space for outdoor enjoyment. Ideally situated with convenient access to NAS Mayport, shopping, dining, major roadways, and destinations throughout Jacksonville. With so many big-ticket improvements already completed, this home offers peace of mind and is ready for its next chapter! Be sure to look over the Features Sheet for more information. This is a must see house!

Listing Details MLS# 2170787

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1652
Living Area Source: Public Records
Building Area Total: 2122
Year Built: 1988
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.09
Association YN: Yes
Association Fee: 170
Association Fee Frequency: Quarterly
Association Name: Banning Management
Association Phone: 904-730-7071
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: 2
Entry Level: Yes
Senior Community YN: No
Directions: You can enter The Valley from either Monument Rd or Ft Caroline to Valley Garden Dr.
Public Remarks: Welcome to The Valley, an established neighborhood conveniently located across from Hidden Hills Golf Course! This move-in ready 3-bedroom, 2-bath home features a desirable downstairs primary suite with two additional bedrooms upstairs. Significant investments include a new roof (2023), durable Hardie board siding (2023), whole-home re-piped (2023), water heater (2023), and HVAC system (2021). The primary shower was updated in 2021, with additional improvements including fresh interior paint, a replaced fence, and garage door opener. A backyard patio offers space for outdoor enjoyment. Ideally situated with convenient access to NAS Mayport, shopping, dining, major roadways, and destinations throughout Jacksonville. With so many big-ticket improvements already completed, this home offers peace of mind and is ready for its next chapter! Be sure to look over the Features Sheet for more information. This is a must see house!
List Price/SqFt: 220.94

Property Features

Architectural Style: Contemporary; Traditional Appliances: Dishwasher; Disposal; Dryer; Electric Cooktop; Electric Oven; Electric Water Heater; Freezer; Ice Maker; Microwave; Washer Fireplace Features: Wood Burning Interior Features: Ceiling Fan(s); Eat-in Kitchen; Entrance Foyer; Pantry; Primary Bathroom - Shower No Tub; Primary Downstairs; Split Bedrooms; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Carpet; Laminate Laundry Features: In Unit; Lower Level Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Construction Materials: Composition Siding Patio And Porch Features: Front Porch; Patio Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Dead End Street; Sprinklers In Front; Sprinklers In Rear Fencing: Fenced; Wood Current Use: Residential Association Amenities: Clubhouse; Community Pool; Pickleball; Playground; Tennis Court(s) Association Fee Includes: Maintenance Grounds; Other Community Features: Sidewalks; Street Lights Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan