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.

240 GAP CREEK Drive, St. Johns, FL 32259 (MLS# 2115078)

240 GAP CREEK Drive, St. Johns, FL 32259

$630,000

This room is at the front of the home and could be a den or an office.

3-car garage with plenty of room for additional vehicles.

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 3,653 Lot Size (sq. ft.): 8,276 Status: Closed

Current Price: $630,000 List Date: 10/26/2025 Last Modified: 1/16/2026

Overview

Description

Why wait to build? This is a unique opportunity to purchase this like-new, two-year-old Toll Brothers Home. Single-story home has a 3-car garage on preserve in Mill Creek Forest. The heart of the home is the gourmet kitchen, with a generous island, stainless steel appliances and natural gas cooktop. Gas fireplace in the family room with 10-foot ceilings. Vinyl plank throughout except bedrooms. There are 4 bedrooms, 3 full bathrooms, plus a flex room at the front of the home that could be an office/den. Screened 30x10 lanai overlooks trees. Room for pool! Upgrades include Ring security system, reverse osmosis water filter, interior shutters, surge protector, gutters, extra insulation, central vacuum system, generator hookup, Tesla outlet, 8-foot garage doors. Mounted televisions convey. This home is walkable to the amenity center, which includes a pool, gym, yoga room, tennis court, tot playground, and walking trails. A-rated St. Johns County schools system. Some furniture negotiable

Listing Details MLS# 2115078

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2677
Living Area Source: Appraiser
Building Area Total: 3653
Year Built: 2023
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.19
Association YN: Yes
Association Fee: 153.67
Association Fee Frequency: Monthly
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: Yes
Senior Community YN: No
Directions: East County Road 210 exit, Stay on County Road 210 it will be named Greenbriar Road. Turn right on Bridgeton St.
Public Remarks: Why wait to build? This is a unique opportunity to purchase this like-new, two-year-old Toll Brothers Home. Single-story home has a 3-car garage on preserve in Mill Creek Forest. The heart of the home is the gourmet kitchen, with a generous island, stainless steel appliances and natural gas cooktop. Gas fireplace in the family room with 10-foot ceilings. Vinyl plank throughout except bedrooms. There are 4 bedrooms, 3 full bathrooms, plus a flex room at the front of the home that could be an office/den. Screened 30x10 lanai overlooks trees. Room for pool! Upgrades include Ring security system, reverse osmosis water filter, interior shutters, surge protector, gutters, extra insulation, central vacuum system, generator hookup, Tesla outlet, 8-foot garage doors. Mounted televisions convey. This home is walkable to the amenity center, which includes a pool, gym, yoga room, tennis court, tot playground, and walking trails. A-rated St. Johns County schools system. Some furniture negotiable
List Price/SqFt: 239.07
Sold Price/SqFt: 235.34

Property Features

Architectural Style: Traditional Levels: One Rental Restrictions: 1 Year Appliances: Dishwasher; Dryer; Gas Cooktop; Microwave; Refrigerator; Tankless Water Heater; Washer; Water Softener Owned; Wine Cooler; Other Interior Features: Central Vacuum; Kitchen Island; Pantry Flooring: Carpet; Tile; Vinyl Utilities: Natural Gas Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: 24 Hour Security Construction Materials: Composition Siding; Frame Patio And Porch Features: Covered; Screened Roof: Shingle Parking Features: Garage View: Trees/Woods Current Use: Residential Association Amenities: Clubhouse; Community Pool; Fitness Center; Jogging Path; Pickleball; Tennis Court(s) Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Contingency Reason: Appraisal; Financing; Inspection

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2025-10-26

Location Tax and Legal

Street Number: 240
Street Name: GAP CREEK
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: Mill Creek Forest

Status Change Information

Major Change Timestamp: 2026-01-16T17:04:28Z
Major Change Type: Status Change
Price Change Timestamp: 2025-12-08T21:22:31Z
Purchase Contract Date: 2025-12-21
Close Date: 2026-01-15
Close Price: 630000

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: No

Documents

Flood Disclosure ›

HOA ›

Survey ›

Listing Office: EXP REALTY LLC

Last Updated: January - 16 - 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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