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.

1197 CUNNINGHAM CREEK Drive, St. Johns, FL 32259 (MLS# 2119641)

1197 CUNNINGHAM CREEK Drive, St. Johns, FL 32259

$1,250,000

Virtual Tour

https://youriguide.com/1197_cunningham_creek_dr_jacksonville_fl/

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 3,311 Lot Size (sq. ft.): 42,689 Status: Closed

Current Price: $1,250,000 List Date: 11/29/2025 Last Modified: 1/15/2026

Overview

Description

Discover the Florida boating lifestyle in this beautifully updated custom waterfront home on nearly one acre in St. Johns County. Located on navigable Cunningham Creek with direct access to the St. Johns River and the Atlantic Ocean, this property features a private dock, covered boat slip, boat lift, water and 30-amp power, and a lighted pathway leading to the water—ideal for fishing and boating enthusiasts. Inside, the home offers fresh interior paint, new hardwood flooring throughout (2024), high ceilings, crown molding, and abundant natural light. The gourmet kitchen has been fully remodeled with high-end quartz countertops, matching backsplash, updated appliances including a Wolf induction cooktop, and a spacious layout overlooking the Family Room and backyard. The first-floor primary suite features serene views, a sitting area, walk-in closets, and a remodeled bath. Enjoy the spacious screened lanai with views of mature trees and ample yard space suitable for a future pool.

Supplements: The home is near the end of a quiet cul-de-sac and is located under 100 feet from the community pool and kayak launch. A rare opportunity to own a move-in-ready deep-water property in one of St. Johns County's most desirable areas.

Listing Details MLS# 2119641

General Property Information

Bedrooms Total: 4
Bathrooms Full: 4
Bathrooms Total: 4
Living Area: 3311
Living Area Source: Appraiser
Year Built: 2000
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.98
Association YN: Yes
Association Fee: 700
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 1016.84
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: Yes
Waterfront YN: Yes
Water Frontage Feet: 112
Stories: 2
Senior Community YN: No
Directions: From 295, take San Jose/SR 13 south. Turn rt onto Edgewater into River Oaks Plantation. R on River Birch Rd. L onto Cunningham Creek Dr.
Public Remarks: Discover the Florida boating lifestyle in this beautifully updated custom waterfront home on nearly one acre in St. Johns County. Located on navigable Cunningham Creek with direct access to the St. Johns River and the Atlantic Ocean, this property features a private dock, covered boat slip, boat lift, water and 30-amp power, and a lighted pathway leading to the water—ideal for fishing and boating enthusiasts. Inside, the home offers fresh interior paint, new hardwood flooring throughout (2024), high ceilings, crown molding, and abundant natural light. The gourmet kitchen has been fully remodeled with high-end quartz countertops, matching backsplash, updated appliances including a Wolf induction cooktop, and a spacious layout overlooking the Family Room and backyard. The first-floor primary suite features serene views, a sitting area, walk-in closets, and a remodeled bath. Enjoy the spacious screened lanai with views of mature trees and ample yard space suitable for a future pool.
List Price/SqFt: 392.63
Sold Price/SqFt: 377.53

Property Features

Architectural Style: Traditional Levels: Two Appliances: Convection Oven; Dishwasher; Disposal; Double Oven; Electric Oven; Electric Water Heater; Induction Cooktop; Microwave; Refrigerator; Water Softener Owned Interior Features: Breakfast Nook; Central Vacuum; His and Hers Closets; Jack and Jill Bath; Primary Bathroom -Tub with Separate Shower; Primary Downstairs; Split Bedrooms; Walk-In Closet(s) Flooring: Wood Laundry Features: Electric Dryer Hookup; Lower Level; Sink Utilities: Electricity Available; Sewer Available; Water Available Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Smart Home Features: Smoke Detector Security Features: Smoke Detector(s) Construction Materials: Stucco Exterior Features: Balcony; Boat Lift; Boat Slip; Dock Patio And Porch Features: Rear Porch; Screened Roof: Shingle Parking Features: Attached; Electric Vehicle Charging Station(s); Garage; Garage Door Opener Lot Features: Cul-De-Sac; Many Trees; Wooded View: Creek/Stream; River; Trees/Woods Water Body Access Type: Navigable Waterfront Features: Creek; Navigable Water; River Access; River Front Fencing: Back Yard; Wrought Iron Current Use: Residential Association Amenities: Basketball Court; Clubhouse; Community Pool; Pickleball; Playground; Tennis Court(s) Road Frontage Type: County Road Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional Room Types: Bathroom 2; Bathroom 3; Bedroom 2; Bedroom 3; Kitchen; Laundry; Living Room; Office; Primary Bathroom; Primary Bedroom

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2025-11-27

Location Tax and Legal

Street Number: 1197
Street Name: CUNNINGHAM CREEK
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: River Oaks Plantation

Status Change Information

Major Change Timestamp: 2025-12-26T16:52:40Z
Major Change Type: Status Change
Purchase Contract Date: 2025-12-17
Close Date: 2025-12-22
Close Price: 1250000

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: No

Room Types

Bathroom 2 Level: First
Bathroom 3 Level: Second
Bedroom 2 Level: First
Bedroom 3 Level: First
Kitchen Level: First
Laundry Level: First
Living Room Level: First
Office Level: First
Primary Bathroom Level: First
Primary Bedroom Level: Second

Room Information

Room Name	Level	Length	Width
Bathroom 2	First	11.74	6.08
Bathroom 3	Second	4.92	12.13
Bedroom 2	First	13.19	14.29
Bedroom 3	First	12.73	10.96
Kitchen	First	22.87	20.66
Laundry	First	13.52	7.56
Living Room	First	30.62	13.45
Living Room	First	16.94	18.94
Living Room	First	17.58	15.89
Primary Bathroom	First	8.56	10.96
Primary Bedroom	Second	17.27	18.31
Office	First	12.81	10.62