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.

1529 COTTON CLOVER Drive, Orange Park, FL 32065 (MLS# 1106863)

1529 COTTON CLOVER Drive, Orange Park, FL 32065

$275,000

Virtual Tour

https://my.matterport.com/show/?m=wbE8RocVTJT

Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 1,762 Status: Closed

Current Price: $275,000 List Date: 4/27/2021 Last Modified: 2/06/2026

Overview

Description

MUST SEE this beautiful 4 bed/2 bath home with a well-manicured lawn. This home features an open floor plan with 10' ceilings, an eat-in kitchen with granite countertops, breakfast bar, 42'' cabinets, a formal living room, a formal dining room, indoor laundry, an owner's suite with double vanity, garden tub, and separate shower, and a family room leading to the screened lanai. From the screened lanai step into the fully fenced-in backyard and enjoy the outdoors playing in the back yard or just sitting around firepit. This home also has an upgraded AC, an additional 6''of blown insulation, and window sunshades. The Oakleaf community has a lot to offer, highly rated schools, daycare centers, exquisite preserves, many lakes, gyms, soccer and football fields, baseball diamonds, basketball,

Supplements: and tennis courts, entertainment, and dining and so much more.

Listing Details MLS# 1106863

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1762
Living Area Source: Public Records
Year Built: 2004
Association YN: Yes
Association Fee: 65
Association Fee Frequency: Annually
Association Name: Oakleaf Plantation
Association Phone: 904-806-2006
CDD Fee YN: Yes
CDD Fee Amount: 1596.66
New Construction YN: No
Garage Spaces: 2
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: Yes
Directions: Head West on Argyle Forest Blvd, then left onto Oakleaf Village Parkway, turn right onto Plantation Oaks Blvd, turn left onto Silver Bluff Blvd, turn right onto Cotton Clover Dr, home is on the left.
Public Remarks: MUST SEE this beautiful 4 bed/2 bath home with a well-manicured lawn. This home features an open floor plan with 10' ceilings, an eat-in kitchen with granite countertops, breakfast bar, 42'' cabinets, a formal living room, a formal dining room, indoor laundry, an owner's suite with double vanity, garden tub, and separate shower, and a family room leading to the screened lanai. From the screened lanai step into the fully fenced-in backyard and enjoy the outdoors playing in the back yard or just sitting around firepit. This home also has an upgraded AC, an additional 6''of blown insulation, and window sunshades. The Oakleaf community has a lot to offer, highly rated schools, daycare centers, exquisite preserves, many lakes, gyms, soccer and football fields, baseball diamonds, basketball,
List Price/SqFt: 150.34
Sold Price/SqFt: 156.07

Property Features

Approx Parcel Size: Less than .25 Acre Architectural Style: Flat; Traditional Appliances: Dishwasher; Disposal; Dryer; Electric Range; Electric Water Heater; Ice Maker; Microwave; Refrigerator; Washer; Water Softener Owned Interior Features: Breakfast Bar; Eat-in Kitchen; Entrance Foyer; Pantry; Primary Bathroom -Tub with Separate Shower; Split Bedrooms; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Vinyl Laundry Features: Electric Dryer Hookup; Washer Hookup Utilities: Cable Available; Cable Connected; Other Cooling: Central Air Heating: Central; Heat Pump Water Source: Public Sewer: Public Sewer Security Features: Security System Owned; Smoke Detector(s) Construction Materials: Brick; Frame; Vinyl Siding Patio And Porch Features: Patio; Porch; Screened Pool Features: None Roof: Shingle Parking Features: Attached; Garage Lot Features: Sprinklers In Front; Sprinklers In Rear Fencing: Back Yard; Fenced; Wood Current Use: Residential; Single Family Association Amenities: Basketball Court; Children's Pool; Clubhouse; Community Pool; Golf Course; Jogging Path; Playground; Tennis Court(s); Trash Road Surface Type: Asphalt Possession: Negotiable Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2021-04-27

Location Tax and Legal

Street Number: 1529
Street Name: COTTON CLOVER
Street Suffix: Drive
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 139-Oakleaf/Orange Park/NW Clay County
Subdivision Name: Cannons Point

Status Change Information

Major Change Timestamp: 2021-06-09T23:34:52Z
Major Change Type: Status Change
Purchase Contract Date: 2021-04-30
Close Date: 2021-06-09
Close Price: 275000

Historical Information

Public Historical Remarks 1: Utilities-Underground: Y, Mandatory Fees: Y, Utilities-Separate Irrigation Meter: Y, Club Amenities-Nature Trails: Y, Football Field(s): Y, Interior Amenities-Window Treatment(s): Y, Interior Amenities-Glass Block Window(s): Y, Self Cleaning Oven: Y, Structure Builder: Admiral Homes
Public Historical Remarks 2: Common Club Amenities-Club Facilities: Y, Covenants/Restrictions: Y, Energy Features-Ceiling Fan(s): Y, Club Amenities-Bike Path: Y, Soccer Field(s): Y, Baseball Field(s): Y, Bath-Garden Bath: Y, Interior Amenities-Ceiling 8+ Ft.: Y, City Lot Location: Y
Public Historical Remarks 3: Intermediate School: Other

More Information

Room Information

Room Name
Living Room
Family Room
Utility Room

Listing Office: FLORIDA HOMES REALTY & MTG LLC

Last Updated: February - 06 - 2026

Information deemed reliable but not guaranteed.