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 WHITE HORSE Way, St. Johns, FL 32259 (MLS# 2090410)

287 WHITE HORSE Way, St. Johns, FL 32259

$640,000

Virtual Tour

https://www.zillow.com/view-imx/c11ea6a7-a8c0-4cdb-aa2f-6662394045ce?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,918 Lot Size (sq. ft.): 10,019 Status: Closed

Current Price: $640,000 List Date: 5/30/2025 Last Modified: 7/22/2026

Overview

Description

*Seller is offering a 2-1 Buyer Down to buyers with an accepted offer* *Priced BELOW recent Appraisal* This 4-bedroom, 3-bath home features an open floor plan and a chef's kitchen with quartz countertops, stainless steel appliances, a gas range, and a walk-in pantry. A flex room offers space for an office, gym, or playroom. The primary bedroom has tray ceilings and a spacious bath with a large walk-in shower. A three-car garage provides plenty of storage. Additional features include a tankless water heater, water softener, and elevated upgrades throughout.

Listing Details MLS# 2090410

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2918
Living Area Source: Public Records
Year Built: 2021
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.23
Association YN: Yes
Association Fee: 1200
Association Fee Frequency: Annually
Association Name: Oxford Estates
Association Phone: 904-998-5365
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
Stories: Yes
Senior Community YN: No
Directions: From I-295S, exit right onto San Jose. Turn left onto Roberts Rd, Left onto Longleaf Pine Pkwy. Turn right onto Oxbridge Way, right onto Blackwell Rd, left onto White Horse Way.
Public Remarks: *Seller is offering a 2-1 Buyer Down to buyers with an accepted offer* *Priced BELOW recent Appraisal* This 4-bedroom, 3-bath home features an open floor plan and a chef's kitchen with quartz countertops, stainless steel appliances, a gas range, and a walk-in pantry. A flex room offers space for an office, gym, or playroom. The primary bedroom has tray ceilings and a spacious bath with a large walk-in shower. A three-car garage provides plenty of storage. Additional features include a tankless water heater, water softener, and elevated upgrades throughout.
List Price/SqFt: 222.76
Sold Price/SqFt: 219.33

Property Features

Architectural Style: Craftsman; Ranch Levels: One Property Condition: Updated/Remodeled Appliances: Dishwasher; Dryer; Gas Cooktop; Gas Water Heater; Microwave; Refrigerator; Tankless Water Heater; Washer; Water Softener Owned Interior Features: Breakfast Bar; Ceiling Fan(s); Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Primary Downstairs; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Tile Laundry Features: Sink Utilities: Cable Available; Electricity Connected; Natural Gas Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: Security Gate Construction Materials: Composition Siding Patio And Porch Features: Covered; Patio; Porch Roof: Shingle Parking Features: Additional Parking; Garage; On Street Lot Features: Sprinklers In Front; Sprinklers In Rear Fencing: Back Yard Current Use: Residential; Single Family Association Amenities: Children's Pool; Clubhouse; Community Pool; Dog Park; Gated; Jogging Path; Park; Playground Association Fee Includes: Maintenance Grounds; Security Community Features: Gated; Sidewalks Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Contingency Reason: Financing; Inspection Room Types: Bedroom 2; Bedroom 3; Bedroom 4; Dining Room; Kitchen; Living Room; Office; Primary Bedroom

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2025-05-30

Location Tax and Legal

Street Number: 287
Street Name: WHITE HORSE
Street Suffix: Way
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: Oxford Estates

Status Change Information

Major Change Timestamp: 2025-10-17T12:30:59Z
Major Change Type: Status Change
Price Change Timestamp: 2025-08-21T14:24:03Z
Purchase Contract Date: 2025-08-23
Close Date: 2025-10-15
Close Price: 640000

DPR Eligible

DPR Eligible: No

More Information

Room Information

Room Name	Length	Width
Living Room	22.40	14.60
Kitchen	12.60	17.80
Dining Room	12.00	17.80
Primary Bedroom	13.70	25.70
Bedroom 2	12.00	12.20
Bedroom 3	11.10	12.30
Bedroom 4	11.20	15.11
Office	10.10	12.10

Documents

Offer Instructions ›

HOA Disclosure ›

Flood Disclosure ›

Seller Property Disclosure ›

Listing Office: REAL BROKER LLC

Last Updated: July - 22 - 2026

Information deemed reliable but not guaranteed.