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.

300 Westover Circle, Palatka, FL 32177 (MLS# SA262774)

300 Westover Circle, Palatka, FL 32177

$225,000

Single-story residence featuring a gray exterior with light yellow trim Street View

Ranch-style residence featuring a gray exterior, light-colored siding, and a contrasting light yellow fascia Front of Home

Entryway featuring a black paneled door with decorative glass, flanked by two windows with louvered shutters Front Door Entry

Bright living area featuring white tile flooring, large windows with white trim, and a ceiling fan Living Room

Built-in wooden window seat with integrated shelving and recessed lighting Window Seat Nook

Triple window unit with white frames, offering natural light View to Side Garden

Spacious interior featuring white tile flooring throughout Living Room

Spacious room featuring white tile flooring and a built-in window seat with integrated shelving and task lighting Living Area

Kitchen area featuring white square tile flooring and a stainless steel refrigerator Dining Area

Kitchen featuring white cabinetry, white countertops, stainless steel appliances, and white square tile flooring Dining to Kitchen

Kitchen featuring white cabinetry, white countertops, a double basin stainless steel sink, and white square tile flooring Kitchen

Kitchen featuring white cabinetry with dark hardware, a stainless steel sink, a white built-in dishwasher, white countertops, and light-toned square tile flooring Kitchen

Hallway featuring tile flooring, neutral wall paint, and a textured ceiling Hallway

Bathroom featuring a shower with tiled surround and a white toilet 2nd Bath/hall closet

Bathroom featuring a dark wood vanity with a vessel sink, a dark countertop, and brushed nickel fixtures 2nd Bath

Bathroom featuring a dark wood vanity with a white vessel sink, a dark countertop, and a classic wood-framed mirror 2nd Bath

Tiled flooring hallway with white baseboards and trim Hallway to Bedrooms

Bedroom featuring a window with natural light, neutral wall colors, textured carpeting, and a ceiling fan Bedroom 3

Carpeted interior room with neutral walls, featuring a window with white trim, a wood-finish desk, and a dark dresser with a mirror Bedroom 3

Hallway featuring white doors and ceramic tile flooring Bedroom 2/1 Foyer

Carpeted room featuring a ceiling fan, two windows, and a doorway with a beaded curtain Bedroom 2

Carpeted room featuring a ceiling fan, a window, and light-colored walls Bedroom 2

Carpeted interior room featuring a window with natural light, a ceiling fan, and a closet with a decorative doorway Bedroom 2

Carpeted room featuring a ceiling fan with integrated lighting, two windows with blinds, and light-toned walls Bedroom 1

Carpeted room featuring a ceiling fan, two windows with window treatments, and neutral wall tones Bedroom 1

Carpeted room featuring a white upright freezer, two windows with blinds and curtains, and a door Bedroom 1

Bathroom featuring a dark wood-finish vanity with an integrated white sink, a matching framed mirror, and a three-light fixture overhead 1/2Bath-Bedroom1

Bathroom vanity with a dark wood-finish cabinet and white ceramic sink 1/2Bath-bedroom1

Bedroom featuring wood-finish flooring, two windows with blinds, a ceiling fan, and recessed lighting Master Bedroom

Spacious room featuring vaulted ceilings, wood-finish flooring, and natural light through multiple windows Master Bedroom

Bedroom featuring wood-finish flooring, a ceiling fan, and recessed lighting Master Bedroom

Image quality insufficient for description Master Walk-In Closet

Bathroom featuring a white double vanity with dual sinks, brushed nickel faucets, and a large wall-mounted mirror Master Bathroom

Bathroom featuring a double vanity with integrated sinks, brushed nickel faucets, and a large wall-mounted mirror Master Bathroom

White paneled interior door with a chrome knob, featuring white trim and a white light switch exit to Laundry/Porch

Corridor with wood-finish tile flooring, textured vertical wall paneling, and a vaulted ceiling Hallway To Screened Porch

Screened porch featuring wood-finish flooring Sun Room

Screened-in porch featuring wood-finish flooring, a white-framed screen door, and textured wall paneling Sun Room

Screened porch featuring wood-finish flooring, a light gray wall panel, and white trim Sun Room

Enclosed screened porch featuring wood-look flooring, a ceiling fan, and access to the interior Sun Room

Side exterior of the property featuring a tan privacy fence, mature trees, and landscaping with mulch beds Left Side Garden

Spacious outdoor area featuring a mature tree providing natural shade Left View of Back Yard

Chain-link fence enclosing a grassy yard bordered by mature trees Right Side Yard

Expansive backyard featuring a large green lawn, mature trees providing natural screening, and perimeter fencing Right view of Back Yard

Expansive grassy area featuring mature trees and a chain-link fence with foliage Green Space-Neighbors!

Expansive green lawn with established fencing and mature perimeter trees Spacious & Sunny Backyard

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 1,538 Status: Active

Current Price: $225,000 List Date: 6/08/2026 Last Modified: 11/14/2026

Overview

Description

CHARMING CONCRETE-BLOCK FAMILY HOME IN SMALL TOWN NEIGHBORHOOD! This solid 4-bedroom, 2.5 bath,1,548 square foot home offers comfort and updates in an inviting location. Newly Painted ,creamy interior along with new carpet in 3 back bedrooms keeps things fresh and bright! The Master bedroom,with full bath and walk-in closet were added 2023. Other major improvements include new windows 2020, a new metal roof (2024), updated electric wiring ((2023),New plumbing and additional lines (2023) as well as Gas Water Heater.The air conditioner was serviced / repaired in 2023. Interior recently painted. Recently added New refrigerator and stove (the Bosch Dishwasher was added previously) The large, fenced in back yard is ideal for Play, Gardening or just relaxing in the shade. With its solid structure, updates and welcoming neighborhood setting, this home is ready for you to settle in and make it your own.

Supplements: Please use showing time to make appointment.

Listing Details MLS# SA262774

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Building Area Total: 1748
Year Built: 1967
Association YN: No
CDD Fee YN: No
New Construction YN: No
Garage YN: No
Carport YN: No
Pool Private YN: No
Waterfront YN: No
Stories: Yes
Stories Total: Yes
Entry Level: Yes
Directions: From US 17N take a left onto Ninth Street (Crill avenue) Take a left turn onto Westover Drive Take a right hand turn onto Westover Circle. The home is located at the end of street.
Public Remarks: CHARMING CONCRETE-BLOCK FAMILY HOME IN SMALL TOWN NEIGHBORHOOD! This solid 4-bedroom, 2.5 bath,1,548 square foot home offers comfort and updates in an inviting location. Newly Painted ,creamy interior along with new carpet in 3 back bedrooms keeps things fresh and bright! The Master bedroom,with full bath and walk-in closet were added 2023. Other major improvements include new windows 2020, a new metal roof (2024), updated electric wiring ((2023),New plumbing and additional lines (2023) as well as Gas Water Heater.The air conditioner was serviced / repaired in 2023. Interior recently painted. Recently added New refrigerator and stove (the Bosch Dishwasher was added previously) The large, fenced in back yard is ideal for Play, Gardening or just relaxing in the shade. With its solid structure, updates and welcoming neighborhood setting, this home is ready for you to settle in and make it your own.
List Price/SqFt: 146.29

Property Features

Architectural Style: Ranch; Traditional Appliances: Dishwasher; Disposal; Dryer; Electric Oven; Gas Water Heater; Ice Maker; Microwave; Refrigerator; Washer Interior Features: Skylight(s) Flooring: Tile; Vinyl Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air; Electric Heating: Central Water Source: Public Sewer: Septic Tank Construction Materials: Block; Concrete Roof: Metal Lot Features: Wooded Road Surface Type: Asphalt Possession: Other Room Types: Great Room; Kitchen; Primary Bedroom; Utility Room

Contract Information

Property Sub Type: Single Family Residence
Listing Contract Date: 2026-06-08
Occupant Type: Owner

Location Tax and Legal

Street Number: 300
Street Name: Westover
Street Suffix: Circle
County: Putnam
State: FL
Postal Code: 32177

Status Change Information

Major Change Timestamp: 2026-10-07T04:00:00Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-10-07T04:00:00Z
Status Change Timestamp: 2026-06-08

Location, Tax, and Legal

Zoning: 10

More Information

Historical Information

Public Historical Remarks: Substructure: Slab

Room Information

Room Name	Length	Width
Kitchen	15.00	8.00
Bedroom 2	10.00	10.00
Bedroom 4	13.00	11.00
Utility Room	9.00	4.00
Primary Bedroom	13.00	13.00
Bedroom 3	9.00	10.00
Great Room	13.00	16.00

Listing Office: Endless Summer Realty

Last Updated: November - 14 - 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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