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.

3145 HEARTHSTONE Lane, Orange Park, FL 32065 (MLS# 2075089)

3145 HEARTHSTONE Lane, Orange Park, FL 32065

$485,000

-Laundry Room with washer/dryer, sink and shelves

-2nd floor primary bathroom to primary bedroom

Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 3,486 Lot Size (sq. ft.): 10,019 Status: Closed

Current Price: $485,000 List Date: 11/11/2025 Last Modified: 3/11/2026

Overview

Description

This two-story home located in sought-after Oakleaf Plantation, Clay County offers a spacious layout with plenty of room for family. Key impressive upgrades include a new hybrid hot water heater, new cabinet and sink in laundry room, granite countertops with stainless steel appliances, and updated bathrooms. Roof and HVAC are 4 years young. Move-in ready- fresh interior/exterior paint with newly carpeted stairs and rooms throughout. This home offers exceptional value and comfort, wired surround sound, nest thermostat and doorbell with Wi-Fi enabled garage door. There is plenty of room to add a pool in your backyard!! Oakleaf Plantation offers a range of amenities, including parks, pools, and excellent schools, making it an ideal neighborhood for families. Desirable location provides convenient access to major highways, shopping centers, dining options, and more. THIS IS THE ONE- schedule to see YOUR new home today!!

Listing Details MLS# 2075089

General Property Information

Bedrooms Total: 5
Bathrooms Full: 3
Bathrooms Half: Yes
Bathrooms Total: 4
Living Area: 3486
Living Area Source: Public Records
Year Built: 2004
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.23
Association YN: Yes
Association Fee: 85
Association Fee Frequency: Annually
Association Name: Double Branch/Oakleaf Plantation East POA
CDD Fee YN: Yes
CDD Fee Amount: 1893
Accessibility Features YN: Yes
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
Furnished: Unfurnished
Stories: 2
Senior Community YN: No
Directions: From Blanding Blvd., head West on Argyle Forest Blvd., South on Oakleaf Village Pkwy., Turn left on Fairview Dr., turn left on Millstone Dr., and left to Hearthstone Lane. 3145 is the first home in the cul-de-sac on the left
Public Remarks: This two-story home located in sought-after Oakleaf Plantation, Clay County offers a spacious layout with plenty of room for family. Key impressive upgrades include a new hybrid hot water heater, new cabinet and sink in laundry room, granite countertops with stainless steel appliances, and updated bathrooms. Roof and HVAC are 4 years young. Move-in ready- fresh interior/exterior paint with newly carpeted stairs and rooms throughout. This home offers exceptional value and comfort, wired surround sound, nest thermostat and doorbell with Wi-Fi enabled garage door. There is plenty of room to add a pool in your backyard!! Oakleaf Plantation offers a range of amenities, including parks, pools, and excellent schools, making it an ideal neighborhood for families. Desirable location provides convenient access to major highways, shopping centers, dining options, and more. THIS IS THE ONE- schedule to see YOUR new home today!!
List Price/SqFt: 153.47
Sold Price/SqFt: 139.13

Property Features

Architectural Style: Traditional Levels: Two Property Condition: Updated/Remodeled Rental Restrictions: No Rentals Allowed Appliances: Dishwasher; Disposal; Dryer; Electric Oven; Electric Water Heater; ENERGY STAR Qualified Water Heater; Ice Maker; Microwave; Refrigerator; Washer Interior Features: Breakfast Bar; Breakfast Nook; Ceiling Fan(s); Eat-in Kitchen; Entrance Foyer; Guest Suite; Open Floorplan; Pantry; Primary Bathroom - Tub with Shower; Primary Downstairs; Smart Home; Smart Thermostat; Split Bedrooms; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Carpet; Laminate Laundry Features: Electric Dryer Hookup; Lower Level; Sink; Washer Hookup Utilities: Cable Available; Electricity Available; Sewer Connected; Water Available; Water Connected Cooling: Central Air; Multi Units; Zoned Heating: Central; Heat Pump; Zoned Water Source: Public Sewer: Public Sewer Smart Home Features: Bulbs; Programmable Thermostat Security Features: Smoke Detector(s) Construction Materials: Stucco Patio And Porch Features: Front Porch; Rear Porch Roof: Shingle Parking Features: Additional Parking; Garage; Garage Door Opener; On Street Lot Features: Cul-De-Sac; Easement Access; Sprinklers In Front; Sprinklers In Rear Fencing: Back Yard; Fenced; Vinyl Current Use: Residential; Single Family Association Amenities: Basketball Court; Cable TV; Children's Pool; Clubhouse; Community Pool; Fitness Center; Gated; Jogging Path; Maintenance Grounds; Management - Full Time; Management - On Site; Pickleball; Playground; Tennis Court(s) Association Fee Includes: Maintenance Grounds Road Frontage Type: Other Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan