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.

160 SPRUCE HILL Point, St. Johns, FL 32259 (MLS# 2133351)

160 SPRUCE HILL Point, St. Johns, FL 32259

$430,000

Virtual Tour

https://www.zillow.com/view-imx/9309eb5e-dd3d-4d0a-86ce-094b953b4ae1?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,731 Lot Size (sq. ft.): 5,663 Status: Closed

Current Price: $430,000 List Date: 3/05/2026 Last Modified: 4/17/2026

Overview

Description

Welcome to the Blair floor plan in the highly sought-after Bluffs at Rivertown, one of the community's newest neighborhoods. Built in 2024 and meticulously maintained, this 3-bedroom, 2-bath home with a flex room offers the feel of new construction with thoughtful upgrades already in place. Inside, you'll find a bright, open layout a show stopper oversized kitchen island and a versatile flex space ideal for a home office, playroom, or guest area. The owner's suite features a spacious walk-in shower with built-in bench, while the living area opens through an 8' multi-slider glass door to the covered lanai--perfect for enjoying Florida living. Situated on a tranquil preserve lot, the home features a fully fenced backyard offering both privacy and peaceful natural views. Additional features already in place include a screened lanai, upgraded lighting and ceiling fans, water softening system, and all appliances included.

Supplements: Located within walking or biking distance to Freedom Crossing Academy and the RiverLodge amenity center, featuring a lazy river, splash pad, sand volleyball, kayaking, zip line, scenic trails, and a brand-new state-of-the-art fitness center. **New Community entrance on Greenbriar near The Bluffs opening soon ** Rivertown is a vibrant master-planne ... (Read more)

Listing Details MLS# 2133351

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1731
Living Area Source: Public Records
Year Built: 2024
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.13
Association YN: Yes
Association Fee: 53
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 2688.02
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
Stories: Yes
Senior Community YN: No
Directions: From I-95, exit 329 west to Green Cove Springs, continue 210 to Greenbriar, Left on Longleaf Pine, Right on Rivertown Main into the community, stay on Rivertown Main at first round about, Left on Spruce Hill
Public Remarks: Welcome to the Blair floor plan in the highly sought-after Bluffs at Rivertown, one of the community's newest neighborhoods. Built in 2024 and meticulously maintained, this 3-bedroom, 2-bath home with a flex room offers the feel of new construction with thoughtful upgrades already in place. Inside, you'll find a bright, open layout a show stopper oversized kitchen island and a versatile flex space ideal for a home office, playroom, or guest area. The owner's suite features a spacious walk-in shower with built-in bench, while the living area opens through an 8' multi-slider glass door to the covered lanai--perfect for enjoying Florida living. Situated on a tranquil preserve lot, the home features a fully fenced backyard offering both privacy and peaceful natural views. Additional features already in place include a screened lanai, upgraded lighting and ceiling fans, water softening system, and all appliances included.
List Price/SqFt: 248.41
Sold Price/SqFt: 248.41

Property Features

Levels: One Appliances: Dishwasher; Disposal; Dryer; Gas Range; Refrigerator; Tankless Water Heater; Washer; Water Softener Owned Interior Features: Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Tile; Vinyl Utilities: Cable Available; Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air; Electric Heating: Central; Electric Water Source: Public Construction Materials: Composition Siding Patio And Porch Features: Covered; Rear Porch; Screened Parking Features: Attached; Garage Lot Features: Wooded View: Protected Preserve; Trees/Woods Fencing: Back Yard; Full Current Use: Residential Association Amenities: Basketball Court; Children's Pool; Clubhouse; Community Pool; Dog Park; Fitness Center; Jogging Path; Maintenance Grounds; Management - Full Time; Park; Pickleball; Playground; Tennis Court(s) Community Features: Restaurant Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan