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.

351 CLIFTON BAY Loop, St. Johns, FL 32259 (MLS# 2173847)

351 CLIFTON BAY Loop, St. Johns, FL 32259

New Listing

$460,000

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 3,077 Lot Size (sq. ft.): 6,098 Status: Active

Current Price: $460,000 List Date: 11/14/2026 Last Modified: 11/14/2026

Overview

Description

MOTIVATED SELLER! $3,500 FLEX CASH toward flooring or a rate buydown! Seller negotiable on price with a quick closing! Live like you're on vacation in this beautiful 4-bedroom, 3.5-bath lakefront home in the resort-style community of Beachwalk! This two-story home features a main-level primary suite with new carpet, stylish kitchen tile, updated lighting, and a spacious upstairs bonus room perfect for an office, game room, or additional living space. Unwind on your extended lanai overlooking the lake, complete with your own private Jacuzzi! The Beachwalk lifestyle is truly something special! Enjoy a spectacular 14-acre crystal-blue lagoon, kayaking, paddleboarding, waterslides, swim-up bar, fitness center, dog splash park, and on-site restaurant and bar undergoing a fresh makeover. With premium Wi-Fi at the club, you can even trade your home office for a lagoon view!

Supplements: Lakefront living, resort-style amenities, and seller incentives—what are you waiting for? Your everyday vacation starts here! Beachwalk is a membership-based community. Seller concessions subject to contract terms and lender approval.

Listing Details MLS# 2173847

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Half: Yes
Bathrooms Total: 4
Living Area: 2265
Living Area Source: Assessor
Building Area Total: 3077
Year Built: 2020
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.14
Association YN: Yes
Association Fee: 602
Association Fee Frequency: Quarterly
Association Fee 2: 335
Association Fee 2 Frequency: Monthly
CDD Fee YN: Yes
CDD Fee Amount: 4222.04
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: Yes
Waterfront YN: Yes
Stories: 2
Senior Community YN: No
Directions: Head toward I-295 S (e.g., via Loretto Rd and Old St. Augustine Rd). Merge onto I-95 S and travel south. Take Exit 329 for County Road 210 E. Turn east onto County Road 210 E. Turn into the Beachwalk community entrance. Take your first left, then your first right onto Clifton Bay Loop. 351 Clifton Bay Loop will be on the right.
Public Remarks: MOTIVATED SELLER! $3,500 FLEX CASH toward flooring or a rate buydown! Seller negotiable on price with a quick closing! Live like you're on vacation in this beautiful 4-bedroom, 3.5-bath lakefront home in the resort-style community of Beachwalk! This two-story home features a main-level primary suite with new carpet, stylish kitchen tile, updated lighting, and a spacious upstairs bonus room perfect for an office, game room, or additional living space. Unwind on your extended lanai overlooking the lake, complete with your own private Jacuzzi! The Beachwalk lifestyle is truly something special! Enjoy a spectacular 14-acre crystal-blue lagoon, kayaking, paddleboarding, waterslides, swim-up bar, fitness center, dog splash park, and on-site restaurant and bar undergoing a fresh makeover. With premium Wi-Fi at the club, you can even trade your home office for a lagoon view!
List Price/SqFt: 203.09

Property Features

Architectural Style: Traditional Levels: Two Rental Restrictions: 1 Year Appliances: Dishwasher; Gas Range; Microwave; Refrigerator; Washer Interior Features: Ceiling Fan(s); Entrance Foyer; Kitchen Island; Primary Bathroom - Shower No Tub; Walk-In Closet(s) Flooring: Carpet; Luxury Vinyl; Stone Laundry Features: Gas Dryer Hookup; Upper Level; Washer Hookup Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air; Electric Heating: Central; Electric Water Source: Public Sewer: Public Sewer Security Features: 24 Hour Security; Carbon Monoxide Detector(s); Smoke Detector(s) Construction Materials: Block; Concrete; Frame; Wood Siding Exterior Features: Other Patio And Porch Features: Covered; Patio; Screened Roof: Metal Parking Features: Attached; Garage View: Lake Water Body Access Type: Community Waterfront Features: Lake Front Current Use: Residential; Single Family Association Amenities: Beach Access; Community Pool; Fitness Center; Gated; Tennis Court(s) Association Fee Includes: Maintenance Grounds Community Features: Gated; Sidewalks; Street Lights Road Frontage Type: City Street Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan