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.

195 STONE CREEK Circle, St. Johns, FL 32259 (MLS# 2147018)

195 STONE CREEK Circle, St. Johns, FL 32259

$800,000

all_floors_195_stone_creek_circle_saint_

3-Car Garage with oversized Paver Driveway

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 3,215 Lot Size (sq. ft.): 14,810 Status: Closed

Current Price: $800,000 List Date: 5/29/2026 Last Modified: 7/22/2026

Overview

Description

Luxury Living in an Exclusive Gated Community with Resort-Style Backyard Welcome to this beautifully upgraded 4-bed, 3-full bath home located in one of the area's most desirable gated communities with only 44 homes. From the oversized living spaces to the incredible outdoor entertaining areas, this home was designed for comfort, functionality, and modern luxury. Step inside and immediately notice the custom LVP flooring, upgraded lighting, designer ceiling fans from Dan's Fan City, and spacious open layout perfect for both everyday living and entertaining. The oversized primary suite offers a true retreat with large walk-in closets and spa-like comfort, while every bedroom features oversized walk-in closets providing exceptional storage throughout. 5th bedroom is currentlly being used as a media room! The chef-inspired kitchen is loaded with upgrades including a propane gas stove, instant hot water heater, and easy flow into the main living areas and backyard entertainment spa ... (Read more)

Supplements: Working from home? Enjoy a dedicated office with built-in storage and a 64-gun safe. Movie nights and gaming are elevated in the soundproofed media room designed for immersive entertainment. Step outside to your private backyard oasis featuring a heated saltwater pool, custom outdoor kitchen, gas firepit area, aluminum fenced backyard, and WiFi-co ... (Read more)

Listing Details MLS# 2147018

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 3215
Living Area Source: Appraiser
Year Built: 2018
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.34
Association YN: Yes
Association Fee: 1500
Association Fee Frequency: Annually
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: Yes
Water Body Access YN: No
Waterfront YN: No
Stories: Yes
Senior Community YN: No
Directions: From 95 take County Rd 210 West. Right onto Stone Creek Circle. Home is on the left just past the playground.
Public Remarks: Luxury Living in an Exclusive Gated Community with Resort-Style Backyard Welcome to this beautifully upgraded 4-bed, 3-full bath home located in one of the area's most desirable gated communities with only 44 homes. From the oversized living spaces to the incredible outdoor entertaining areas, this home was designed for comfort, functionality, and modern luxury. Step inside and immediately notice the custom LVP flooring, upgraded lighting, designer ceiling fans from Dan's Fan City, and spacious open layout perfect for both everyday living and entertaining. The oversized primary suite offers a true retreat with large walk-in closets and spa-like comfort, while every bedroom features oversized walk-in closets providing exceptional storage throughout. 5th bedroom is currentlly being used as a media room! The chef-inspired kitchen is loaded with upgrades including a propane gas stove, instant hot water heater, and easy flow into the main living areas and backyard entertainment space
List Price/SqFt: 248.83
Sold Price/SqFt: 248.83

Property Features

Architectural Style: Traditional Levels: One Appliances: Dishwasher; Disposal; Dryer; Gas Cooktop; Gas Water Heater; Instant Hot Water; Microwave; Tankless Water Heater; Washer Interior Features: Breakfast Bar; Built-in Features; Ceiling Fan(s); Entrance Foyer; Jack and Jill Bath; Kitchen Island; Open Floorplan; Primary Bathroom - Shower No Tub; Primary Downstairs; Smart Thermostat; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Luxury Vinyl Utilities: Cable Available; Electricity Connected; Natural Gas Available; Sewer Connected; Water Connected Cooling: Central Air; Electric Heating: Central; Electric; Heat Pump Water Source: Public Sewer: Public Sewer Smart Home Features: Lighting; Locks; Programmable Thermostat; Shade Control Patio And Porch Features: Covered; Rear Porch Pool Features: In Ground; Gas Heat; Heated; Salt Water Roof: Shingle Parking Features: Garage; Garage Door Opener; Off Street View: Lake Fencing: Back Yard Current Use: Residential; Single Family Association Amenities: Gated; Park; Playground Community Features: Gated Road Frontage Type: City Street Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; USDA Loan; VA Loan