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.

287 SAPLING Terrace, St. Johns, FL 32259 (MLS# 2075905)

287 SAPLING Terrace, St. Johns, FL 32259

$825,000

Capstone Floor plan 1st floor diagram 23

Capstone Floor plan 2nd floor diagram 23

4234197 Bartram Ranch_230_Capstone_Farmh

Property Type: Residential Bedrooms: 5 Baths: 5 Square Footage: 3,559 Lot Size (sq. ft.): 11,326 Status: Closed

Current Price: $825,000 List Date: 3/15/2025 Last Modified: 6/17/2026

Overview

Description

Unwind in the tranquility of The Homestead, an exclusive and gated, Toll Brothers neighborhood within Bartram Ranch. Walk to top-rated Hickory Elem. and Swiss Point Middle School, and zoned for nearby Bartram HS. This natural gas community is conveniently located in the heart of NW St Johns. Escape home to this beautiful two-story Capstone Farmhouse an open concept floor plan crafted by Toll Brothers. The first floor primary bedroom is oversized and the laundry is located nearby. Also on the first level is a guest suite with on-suite walk-in shower. The stunning gourmet kitchen is complete with a walk-in pantry, quartz counters, large island and designer curated tile backsplash. The oversized expanded lanai is ideal for entertaining friends. Three car tandem garage, tankless water heater, pre-plumbed for a water softener, yard fully irrigated with re-use water. The new Trailhouse Amenity Center includes clubhouse, pool, fitness center, dog park, tot-lot and a multi-purpose field.

Listing Details MLS# 2075905

General Property Information

Bedrooms Total: 5
Bathrooms Full: 4
Bathrooms Half: Yes
Bathrooms Total: 5
Living Area: 3559
Living Area Source: Builder
Year Built: 2025
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.26
Association YN: Yes
Association Fee: 196
Association Fee Frequency: Monthly
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2025-10-31
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: 2
Senior Community YN: No
Directions: From I-95 take exit 329 towards Green Cove Springs, head West on CR 210 which will turn into Greenbriar Rd. Bartram Ranch will be on your left before Swiss Pt Middle/Hickory Creek Elem. School.
Public Remarks: Unwind in the tranquility of The Homestead, an exclusive and gated, Toll Brothers neighborhood within Bartram Ranch. Walk to top-rated Hickory Elem. and Swiss Point Middle School, and zoned for nearby Bartram HS. This natural gas community is conveniently located in the heart of NW St Johns. Escape home to this beautiful two-story Capstone Farmhouse an open concept floor plan crafted by Toll Brothers. The first floor primary bedroom is oversized and the laundry is located nearby. Also on the first level is a guest suite with on-suite walk-in shower. The stunning gourmet kitchen is complete with a walk-in pantry, quartz counters, large island and designer curated tile backsplash. The oversized expanded lanai is ideal for entertaining friends. Three car tandem garage, tankless water heater, pre-plumbed for a water softener, yard fully irrigated with re-use water. The new Trailhouse Amenity Center includes clubhouse, pool, fitness center, dog park, tot-lot and a multi-purpose field.
List Price/SqFt: 259.62
Sold Price/SqFt: 231.81

Property Features

Appliances: Dishwasher; Disposal; Gas Cooktop; Gas Oven; Gas Water Heater; Microwave; Plumbed For Ice Maker; Tankless Water Heater Utilities: Cable Available; Electricity Available; Electricity Connected; Natural Gas Available; Natural Gas Connected; Sewer Available; Sewer Connected; Water Connected Cooling: Central Air; Electric; Multi Units Heating: Central; Electric; Heat Pump Water Source: Public Parking Features: Garage; Garage Door Opener; Gated Current Use: Residential; Single Family Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2025-03-12

Location Tax and Legal

Street Number: 287
Street Name: SAPLING
Street Suffix: Terrace
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 302-Orangedale Area
Subdivision Name: Bartram Ranch

Status Change Information

Major Change Timestamp: 2025-09-30T18:47:58Z
Major Change Type: Status Change
Price Change Timestamp: 2025-06-14T19:06:45Z
Purchase Contract Date: 2025-06-20
Close Date: 2025-09-18
Close Price: 825000

DPR Eligible

DPR Eligible: No

More Information

Documents

Site Plan ›

Listing Office: JACKSONVILLE TBI REALTY, LLC

Last Updated: June - 17 - 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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