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.

2540 MOODY Avenue, Orange Park, FL 32073 (MLS# 2102057)

2540 MOODY Avenue, Orange Park, FL 32073

$432,600

Virtual Tour

https://my.matterport.com/show/?m=D9SMBojVHM5

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,489 Lot Size (sq. ft.): 21,344 Status: Closed

Current Price: $432,600 List Date: 8/04/2025 Last Modified: 12/20/2025

Overview

Description

No HOA & No CDD - Welcome to this charming 2-story home, set well back from the road for added privacy and featuring a classic wrap-around porch. Perfect for morning coffee or evening relaxation. The fully fenced backyard offers generous space for outdoor fun, gardening, or pets. Step inside to a spacious, sunlit foyer and beautifully updated interiors. The main living areas boast stunning, hand-scraped premium wood laminate flooring, while the first-floor Owner's Suite is a true retreat with plush new carpeting. The in-suite bath has a luxurious freestanding tub, modern double vanity, and updated walk-in shower.

Listing Details MLS# 2102057

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2489
Living Area Source: Estimated
Year Built: 1990
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.49
Association YN: No
CDD Fee YN: No
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: 2
Senior Community YN: No
Directions: From US-17 (Park Ave) & Kingsley Ave: Proceed West on Kingsley for 1.3 miles to Orange Ave. Left onto Orange. Orange turns into Moody.
Public Remarks: No HOA & No CDD - Welcome to this charming 2-story home, set well back from the road for added privacy and featuring a classic wrap-around porch. Perfect for morning coffee or evening relaxation. The fully fenced backyard offers generous space for outdoor fun, gardening, or pets. Step inside to a spacious, sunlit foyer and beautifully updated interiors. The main living areas boast stunning, hand-scraped premium wood laminate flooring, while the first-floor Owner's Suite is a true retreat with plush new carpeting. The in-suite bath has a luxurious freestanding tub, modern double vanity, and updated walk-in shower.
List Price/SqFt: 176.78
Sold Price/SqFt: 173.8

Property Features

Architectural Style: Victorian Levels: Two Property Condition: Updated/Remodeled Appliances: Dishwasher; Dryer; Electric Cooktop; Electric Oven; Microwave; Refrigerator; Washer Fireplace Features: Wood Burning Interior Features: Ceiling Fan(s); Eat-in Kitchen; Kitchen Island; Primary Bathroom -Tub with Separate Shower; Primary Downstairs Flooring: Carpet; Laminate Laundry Features: Electric Dryer Hookup; Washer Hookup Utilities: Cable Available; Electricity Connected; Water Connected Cooling: Central Air Heating: Central; Electric Electric: 100 Amp Service Water Source: Public Sewer: Private Sewer; Septic Tank Security Features: Smoke Detector(s) Construction Materials: Frame; Vinyl Siding Patio And Porch Features: Covered; Front Porch; Porch; Wrap Around Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Cleared; Easement Access Fencing: Back Yard; Fenced; Wood Current Use: Residential; Single Family Road Frontage Type: City Street Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Contingency Reason: First Right Of Refusal; Home Sale; Other

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2025-08-04

Location Tax and Legal

Street Number: 2540
Street Name: MOODY
Street Suffix: Avenue
County: Clay
State: FL
Postal Code: 32073
MLS Area Major: 135-Park West/Montclair
Subdivision Name: Lakeshore Estates

Status Change Information

Major Change Timestamp: 2025-12-20T16:53:01Z
Major Change Type: Status Change
Price Change Timestamp: 2025-10-03T02:00:48Z
Purchase Contract Date: 2025-10-10
Close Date: 2025-12-12
Close Price: 432600

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: No

Documents

Seller's Disclosure ›

Listing Office: ALL REAL ESTATE OPTIONS INC

Last Updated: December - 20 - 2025

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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