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.

192 HOLLY CREEK Drive, St. Johns, FL 32259 (MLS# 2136627)

192 HOLLY CREEK Drive, St. Johns, FL 32259

$546,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,273 Status: Pending

Current Price: $546,000 List Date: 3/25/2026 Last Modified: 10/01/2026

Overview

Description

Lot 59 - The Saratoga floorplan is an impressive design blending vast living space with utmost comfort. The Great Room is central to the layout and overlooks the patio area while connecting to the spacious, light-filled dining nook and designer kitchen. The flex room offers additional living space for your preferred purpose. The luxurious owner's suite boasts a huge walk-in closet and private bath. Bedrooms 2 and 3 share a full bath. Bedroom 3 also has its own walk-in closet. RIVERTOWN is a master-planned community along the scenic St. Johns River, offering trails, lakefront parks, and preserve views. With resort-style amenities focused on fitness, fun, and connection, RiverTown brings Florida living to life.

Listing Details MLS# 2136627

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2273
Living Area Source: Plans
Year Built: 2026
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Association YN: Yes
Association Fee: 53
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 5489
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2026-09-25
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: Yes
Senior Community YN: No
Direction Faces: Southwest
Directions: From I-95, Exit 329 for CR 210 toward Green Cove Springs, West onto CR 210, continue straight onto Greenbriar Rd, turn left on Longleaf Pine Pkwy, RiverTown Welcome Center is on the right.
Public Remarks: Lot 59 - The Saratoga floorplan is an impressive design blending vast living space with utmost comfort. The Great Room is central to the layout and overlooks the patio area while connecting to the spacious, light-filled dining nook and designer kitchen. The flex room offers additional living space for your preferred purpose. The luxurious owner's suite boasts a huge walk-in closet and private bath. Bedrooms 2 and 3 share a full bath. Bedroom 3 also has its own walk-in closet. RIVERTOWN is a master-planned community along the scenic St. Johns River, offering trails, lakefront parks, and preserve views. With resort-style amenities focused on fitness, fun, and connection, RiverTown brings Florida living to life.
List Price/SqFt: 240.21

Property Features

Property Condition: Under Construction Appliances: Dishwasher; Gas Range; Microwave Interior Features: Breakfast Bar; Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Smart Thermostat; Walk-In Closet(s) Laundry Features: Electric Dryer Hookup; Gas Dryer Hookup; Washer Hookup Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Smart Home Features: Carbon Monoxide Detector; Programmable Thermostat; Smoke Detector Construction Materials: Fiber Cement; Frame Patio And Porch Features: Covered; Patio Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Sprinklers In Front; Sprinklers In Rear View: Trees/Woods; Other Current Use: Residential Association Amenities: Basketball Court; Children's Pool; Clubhouse; Community Pool; Dog Park; Fitness Center; Jogging Path; Park; Pickleball; Playground; Tennis Court(s) Community Features: Restaurant; Sidewalks Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan; Other

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-03-25

Location Tax and Legal

Street Number: 192
Street Name: HOLLY CREEK
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 302-Orangedale Area
Subdivision Name: Rivertown Forest

Status Change Information

Major Change Timestamp: 2026-06-30T18:29:37Z
Major Change Type: Status Change
Price Change Timestamp: 2026-06-11T13:30:29Z
Purchase Contract Date: 2026-06-30

DPR Eligible

DPR Eligible: No

More Information

Listing Office: MATTAMY REAL ESTATE SERVICES

Last Updated: October - 01 - 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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