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.

325 FLINTLOCK Lane, St. Johns, FL 32095 (MLS# 2166353)

325 FLINTLOCK Lane, St. Johns, FL 32095

$499,000

Rendering of home, color scheme shown is for representation purposes only.

Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 2,483 Status: Pending

Current Price: $499,000 List Date: 9/24/2026 Last Modified: 11/06/2026

Overview

Description

Experience the beautiful Trailside, showcasing tranquil water views, Coastal-inspired design, and a thoughtfully crafted two-story floor plan. The main level features an open-concept living space, extended covered lanai, a secondary bedroom, and a full bathroom. Upstairs, the spacious Owner's Suite is joined by three secondary bedrooms, two full baths, a versatile loft, and a conveniently located laundry room. The chef-inspired kitchen includes 42" white soft-close cabinetry, a stylish white tile backsplash, a large center island, and Whirlpool stainless steel appliances, including the refrigerator. Additional upgrades include a Smart Home package, 8-foot interior doors, outdoor kitchen pre-plumbing, washer and dryer, and premium finishes throughout. Residents enjoy a 4,000-square-foot amenity center with a fitness center, resort-style pool, playground, tennis and pickleball courts, walking trails, and two dog parks.

Listing Details MLS# 2166353

General Property Information

Bedrooms Total: 5
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2483
Living Area Source: Estimated
Year Built: 2026
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Association YN: Yes
Association Fee: 54
Association Fee Frequency: Monthly
CDD Fee YN: Yes
CDD Fee Amount: 2973.01
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2027-01-31
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: Yes
Stories: 2
Senior Community YN: No
Directions: From I-95, take International Golf Parkway Exit (Exit 323) and go East. Turn left at Bannon Lakes Boulevard. Turn right at Cedar Preserve Lane. Model Homes are on the left.
Public Remarks: Experience the beautiful Trailside, showcasing tranquil water views, Coastal-inspired design, and a thoughtfully crafted two-story floor plan. The main level features an open-concept living space, extended covered lanai, a secondary bedroom, and a full bathroom. Upstairs, the spacious Owner's Suite is joined by three secondary bedrooms, two full baths, a versatile loft, and a conveniently located laundry room. The chef-inspired kitchen includes 42" white soft-close cabinetry, a stylish white tile backsplash, a large center island, and Whirlpool stainless steel appliances, including the refrigerator. Additional upgrades include a Smart Home package, 8-foot interior doors, outdoor kitchen pre-plumbing, washer and dryer, and premium finishes throughout. Residents enjoy a 4,000-square-foot amenity center with a fitness center, resort-style pool, playground, tennis and pickleball courts, walking trails, and two dog parks.
List Price/SqFt: 200.97

Property Features

Architectural Style: Other Levels: Two Property Condition: Under Construction Rental Restrictions: 1 Year Appliances: Dishwasher; Dryer; Gas Cooktop; Gas Oven; Microwave; Refrigerator; Tankless Water Heater; Washer; Other Interior Features: Eat-in Kitchen; Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Smart Home; Smart Thermostat; Walk-In Closet(s); Other Flooring: Carpet; Luxury Vinyl; Tile Laundry Features: Electric Dryer Hookup; Gas Dryer Hookup; Washer Hookup Utilities: Cable Available; Electricity Connected; Natural Gas Available; Natural Gas Connected; Sewer Connected; Water Available Cooling: Central Air Heating: Electric; Heat Pump Electric: 200+ Amp Service Water Source: Public Sewer: Public Sewer Smart Home Features: Programmable Thermostat Green Water Conservation: Efficient Hot Water Distribution; Low-Flow Fixtures; Water-Smart Landscaping Construction Materials: Fiber Cement; Frame Patio And Porch Features: Covered; Front Porch; Rear Porch Roof: Shingle Parking Features: Garage; Garage Door Opener; On Street Lot Features: Cul-De-Sac; Sprinklers In Front; Sprinklers In Rear View: Pond; Other Waterfront Features: Pond Current Use: Residential; Single Family Association Amenities: Basketball Court; Clubhouse; Dog Park; Fitness Center; Jogging Path; Park; Pickleball; Playground; Tennis Court(s) Road Frontage Type: City Street Road Surface Type: Asphalt 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: 2026-09-24

Location Tax and Legal

Street Number: 325
Street Name: FLINTLOCK
Street Suffix: Lane
County: St. Johns
State: FL
Postal Code: 32095
MLS Area Major: 306-World Golf Village Area-NE
Subdivision Name: Bannon Lakes

Status Change Information

Major Change Timestamp: 2026-11-06T13:45:57Z
Major Change Type: Status Change
Price Change Timestamp: 2026-10-23T15:37:42Z
Purchase Contract Date: 2026-11-05

DPR Eligible

DPR Eligible: Yes

More Information

Listing Office: PULTE REALTY OF NORTH FLORIDA, LLC.

Last Updated: November - 06 - 2026

Information deemed reliable but not guaranteed.