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.

128 ZEPHYR Drive, St. Johns, FL 32259 (MLS# 2168083)

128 ZEPHYR Drive, St. Johns, FL 32259

$599,900

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,890 Lot Size (sq. ft.): 4,792 Status: Active

Current Price: $599,900 List Date: 10/06/2026 Last Modified: 10/15/2026

Overview

Description

LIVE THE RIVERFRONT LIFESTYLE IN RIVERTOWN SHORES! Welcome to this beautiful Toll Brothers home in the breathtaking community of Rivertown Shores, the neighborhood is perfectly situated along the scenic St. Johns River. For the boating enthusiast, boat docks are available for purchase, giving you the opportunity to walk to your boat each day and enjoy spectacular river sunsets. This is truly a boater's dream! This exceptional 3-bedroom plus den (or optional 4th bedroom) home with loft offers an impressive combination of luxury, functionality, and indoor-outdoor living. A stunning two-story foyer welcomes you into an open and bright floor plan featuring a spacious dining area and living room with triple sliding glass doors that open to the large lanai and beautifully private, fenced backyard—perfect for entertaining or simply relaxing. Appointed with over $80K in upgrades, home offers a chef-inspired kitchen is designed to impress, featuring a large center island, double-stacked...

Supplements: cabinetry with crown molding, soft-close drawers, designer backsplash, gas cooktop, and quartz countertops, providing both style and exceptional storage. The versatile den features French doors and can easily serve as a home office, flex space, or 4th bedroom. A convenient half bath is located downstairs for guests. Upstairs, the loft provides even ... (Read more)

Listing Details MLS# 2168083

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2140
Living Area Source: Public Records
Building Area Total: 2890
Year Built: 2024
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.11
Association YN: Yes
Association Fee: 408.5
Association Fee Frequency: Quarterly
CDD Fee YN: Yes
CDD Fee Amount: 2883
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: Yes
Waterfront YN: No
Stories: 2
Senior Community YN: No
Directions: From Racetrack Road and Greenbriar, turn south on State Road 13. Pass second round about at Rivertown, then turn right into community. From 210, continue south on 210 and then CR 16, turn right at Woodpeckers BBQ onto SR 13, community entrance is 1/4 mile on left.
Public Remarks: LIVE THE RIVERFRONT LIFESTYLE IN RIVERTOWN SHORES! Welcome to this beautiful Toll Brothers home in the breathtaking community of Rivertown Shores, the neighborhood is perfectly situated along the scenic St. Johns River. For the boating enthusiast, boat docks are available for purchase, giving you the opportunity to walk to your boat each day and enjoy spectacular river sunsets. This is truly a boater's dream! This exceptional 3-bedroom plus den (or optional 4th bedroom) home with loft offers an impressive combination of luxury, functionality, and indoor-outdoor living. A stunning two-story foyer welcomes you into an open and bright floor plan featuring a spacious dining area and living room with triple sliding glass doors that open to the large lanai and beautifully private, fenced backyard—perfect for entertaining or simply relaxing. Appointed with over $80K in upgrades, home offers a chef-inspired kitchen is designed to impress, featuring a large center island, double-stacked...
List Price/SqFt: 280.33

Property Features

Levels: Two Appliances: Dishwasher; Disposal; Dryer; Electric Oven; Gas Cooktop; Gas Water Heater; Microwave; Refrigerator; Washer Interior Features: Breakfast Bar; Built-in Features; Ceiling Fan(s); Entrance Foyer; His and Hers Closets; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom -Tub with Separate Shower; Smart Thermostat; Walk-In Closet(s) Flooring: Carpet; Tile Utilities: Cable Available; Electricity Connected; Natural Gas Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: Carbon Monoxide Detector(s); Security Gate; Smoke Detector(s) Patio And Porch Features: Covered; Front Porch; Rear Porch Parking Features: Garage; Garage Door Opener; Gated Lot Features: Sprinklers In Front; Sprinklers In Rear View: Trees/Woods Water Body Access Type: Community; Navigable Fencing: Back Yard Current Use: Single Family Association Amenities: Barbecue; Basketball Court; Boat Dock; Boat Launch; Boat Slip; Clubhouse; Community Pool; Dog Park; Fitness Center; Gated; Jogging Path; Management - Full Time; Park; Pickleball; Playground; Security; Spa/Hot Tub Association Fee Includes: Security Community Features: Fishing; Gated; Restaurant; Sidewalks; Street Lights Road Surface Type: Paved Possession: Close Of Escrow; Negotiable Listing Terms: Cash; Conventional; FHA; USDA Loan; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-10-06

Location Tax and Legal

Street Number: 128
Street Name: ZEPHYR
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 302-Orangedale Area
Subdivision Name: Rivertown

Status Change Information

Major Change Timestamp: 2026-10-06T18:59:18Z
Major Change Type: New Listing

DPR Eligible

DPR Eligible: Yes

More Information

Listing Office: RE/MAX UNLIMITED

Last Updated: October - 15 - 2026

Information deemed reliable but not guaranteed.