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.

3304 DIVISION Street, Jacksonville, FL 32209 (MLS# 2140199)

3304 DIVISION Street, Jacksonville, FL 32209

$169,000

Refrigerator, White shaker cabinets and backsplash

Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 1,636 Lot Size (sq. ft.): 4,792 Status: Active

Current Price: $169,000 List Date: 10/22/2026 Last Modified: 10/22/2026

Overview

Description

This home qualifies for up to $12,500 in down payment and closing costs assistance in addition to seller incentives!! Welcome to this beautifully updated home featuring a NEW ROOF, modern finishes and a functional layout. Step into the enclosed front porch for additional living space and year-round enjoyment. The kitchen has been refreshed with white shaker-style cabinetry, updated countertops, stainless steel appliances, and a stylish tile backsplash. Both bathrooms have been renovated with contemporary tilework and updated fixtures, including a spacious walk-in shower. Enjoy new flooring throughout, fresh interior paint, and abundant natural light. The home also offers a versatile bonus space perfect for an owners suite, sitting area, or flex room. Situated on a spacious lot with ample parking and a fully fenced yard, this home is ideal for first-time buyers or investors looking for a turnkey opportunity.

Listing Details MLS# 2140199

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1636
Living Area Source: Assessor
Year Built: 1952
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.11
Association YN: No
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: No
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: Yes
Senior Community YN: No
Directions: I-95 to exit 354B onto US-1N, M L King Jr Pkwy toward Amtrak, turn right onto Division St., the home is on the left. The home sits on the corner of Division and W 23rd St.
Public Remarks: This home qualifies for up to $12,500 in down payment and closing costs assistance in addition to seller incentives!! Welcome to this beautifully updated home featuring a NEW ROOF, modern finishes and a functional layout. Step into the enclosed front porch for additional living space and year-round enjoyment. The kitchen has been refreshed with white shaker-style cabinetry, updated countertops, stainless steel appliances, and a stylish tile backsplash. Both bathrooms have been renovated with contemporary tilework and updated fixtures, including a spacious walk-in shower. Enjoy new flooring throughout, fresh interior paint, and abundant natural light. The home also offers a versatile bonus space perfect for an owners suite, sitting area, or flex room. Situated on a spacious lot with ample parking and a fully fenced yard, this home is ideal for first-time buyers or investors looking for a turnkey opportunity.
List Price/SqFt: 103.3

Property Features

Levels: One Property Condition: Updated/Remodeled Appliances: Electric Range; Electric Water Heater; Microwave; Refrigerator Interior Features: Eat-in Kitchen; Primary Bathroom - Shower No Tub Flooring: Carpet; Laminate Laundry Features: In Unit Utilities: Cable Available; Electricity Available; Sewer Connected; Water Connected Cooling: Central Air Heating: Central; Electric Water Source: Public Sewer: Public Sewer Security Features: Smoke Detector(s) Construction Materials: Block; Other Roof: Shingle Parking Features: Other Lot Features: Corner Lot Fencing: Chain Link; Fenced Current Use: Residential; Single Family Community Features: Street Lights 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: 2026-04-15

Location Tax and Legal

Street Number: 3304
Street Name: DIVISION
Street Suffix: Street
County: Duval
State: FL
Postal Code: 32209
MLS Area Major: 075-Trout River/College Park/Ribault Manor
Subdivision Name: Grand Park

Status Change Information

Major Change Timestamp: 2026-10-22T19:57:51Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-10-22T19:57:51Z

DPR Eligible

DPR Eligible: Yes

More Information

Listing Office: DD HOME REALTY INC

Last Updated: October - 22 - 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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