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.

1281 INDEPENDENCE Drive, Orange Park, FL 32065 (MLS# 2160580)

1281 INDEPENDENCE Drive, Orange Park, FL 32065

$199,999

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,087 Lot Size (sq. ft.): 4,356 Status: Pending

Current Price: $199,999 List Date: 8/18/2026 Last Modified: 10/27/2026

Overview

Description

$5,000 toward closing costs, NO HOA, and NO CDD! The seller is offering $5,000 toward the buyer's closing costs with an acceptable offer, and with no HOA or CDD fees, more of your money stays in your pocket every month. This charming 3-bedroom, 2-bath Orange Park home has just been refreshed with brand-new interior paint and new carpet, so all that's left to do is unpack and settle in. The easy-care layout keeps everyday living simple, and the cozy backyard is just right for morning coffee, a little gardening, or unwinding at the end of the day. Trade the hustle for a quieter pace of life while staying minutes from NAS Jax, area hospitals, schools, shopping, and dining. Getting to base or work is a breeze, and coming home feels like a retreat. Homes this fresh at this price don't come along often. Schedule your private showing today and see why 1281 Independence Dr is the one you've been waiting for.

Listing Details MLS# 2160580

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1087
Living Area Source: Public Records
Year Built: 1991
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.1
Lot Size Dimensions: 38 x 100
Association YN: No
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: Yes
Water Frontage Feet: 38
Furnished: Unfurnished
Stories: Yes
Entry Level: Yes
Senior Community YN: No
Direction Faces: Southeast
Directions: Head south on Blanding, turn left on Tanglewood, turn left on Independence Dr . House is down on the left.
Public Remarks: $5,000 toward closing costs, NO HOA, and NO CDD! The seller is offering $5,000 toward the buyer's closing costs with an acceptable offer, and with no HOA or CDD fees, more of your money stays in your pocket every month. This charming 3-bedroom, 2-bath Orange Park home has just been refreshed with brand-new interior paint and new carpet, so all that's left to do is unpack and settle in. The easy-care layout keeps everyday living simple, and the cozy backyard is just right for morning coffee, a little gardening, or unwinding at the end of the day. Trade the hustle for a quieter pace of life while staying minutes from NAS Jax, area hospitals, schools, shopping, and dining. Getting to base or work is a breeze, and coming home feels like a retreat. Homes this fresh at this price don't come along often. Schedule your private showing today and see why 1281 Independence Dr is the one you've been waiting for.
List Price/SqFt: 183.99

Property Features

Architectural Style: Patio Home Levels: One Property Condition: Updated/Remodeled Appliances: Dishwasher; Electric Cooktop; Electric Range Fireplace Features: Wood Burning Interior Features: Ceiling Fan(s); Open Floorplan; Pantry; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Carpet; Tile Laundry Features: Electric Dryer Hookup; In Garage; Washer Hookup Utilities: Cable Available; Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: 24 Hour Security Construction Materials: Frame; Wood Siding Patio And Porch Features: Rear Porch Roof: Shingle Parking Features: Garage Lot Features: Few Trees View: Creek/Stream Waterfront Features: Creek Fencing: Back Yard; Fenced Current Use: Single Family Road Frontage Type: City Street Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-08-17

Location Tax and Legal

Street Number: 1281
Street Name: INDEPENDENCE
Street Suffix: Drive
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 138-Tanglewood
Subdivision Name: Tanglewood

Status Change Information

Major Change Timestamp: 2026-10-27T02:26:46Z
Major Change Type: Status Change
Price Change Timestamp: 2026-10-02T17:44:24Z
Purchase Contract Date: 2026-10-26

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: No

Listing Office: PUBLIC SERVICES REALTY

Last Updated: October - 27 - 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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