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.

3528 CUNNINGHAM Road, Orange Park, FL 32065 (MLS# 2146316)

3528 CUNNINGHAM Road, Orange Park, FL 32065

$410,000

Virtual Tour

https://www.zillow.com/view-imx/d549d0e1-dc82-4ddc-8ada-c96b35221dc0?wl=true&setAttribution=mls&initialViewType=pano

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,648 Lot Size (sq. ft.): 6,098 Status: Active

Current Price: $410,000 List Date: 5/21/2026 Last Modified: 10/30/2026

Overview

Description

New Price! Seller MOTIVATED! Modern 2023-Built Home in Clay County with No CDD Fees! 4 bedrooms, 2.5 bathrooms, a spacious loft, and a versatile home office can be found in this 2,648 square feet of living space. The open-concept floor plan offers bright, light-filled living spaces perfect for everyday living and entertaining. The contemporary kitchen showcases quartz countertops, stainless steel appliances, and a gas range, flowing seamlessly into the dining area and inviting great room. A flexible downstairs room provides the ideal space for a home office, library, or home gym, while the upstairs loft offers additional living space perfect for a media room, playroom, or relaxation area. The spacious owner's suite features dual vanities and a huge walk-in closet, providing comfort and ample storage.

Supplements: Additional highlights include a tankless water heater, a two-car garage, and a fully fenced backyard with a covered lanai, ideal for outdoor entertaining and enjoying Florida living. Built in 2023, this move-in-ready home combines modern finishes, functional design, and desirable features with the added benefit of no CDD fees. Conveniently located ... (Read more)

Listing Details MLS# 2146316

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2648
Living Area Source: Assessor
Year Built: 2023
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.14
Association YN: Yes
Association Fee: 210
Association Fee Frequency: Quarterly
CDD Fee YN: No
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: No
Waterfront YN: No
Furnished: Unfurnished
Stories: 2
Entry Level: Yes
Senior Community YN: No
Directions: From the First Coast Expressway/SR23, take Argyle Forest Blvd. Turn Right onto Oakleaf Village Parkway. Turn Left on Cunningham Road. Home is on the Right.
Public Remarks: New Price! Seller MOTIVATED! Modern 2023-Built Home in Clay County with No CDD Fees! 4 bedrooms, 2.5 bathrooms, a spacious loft, and a versatile home office can be found in this 2,648 square feet of living space. The open-concept floor plan offers bright, light-filled living spaces perfect for everyday living and entertaining. The contemporary kitchen showcases quartz countertops, stainless steel appliances, and a gas range, flowing seamlessly into the dining area and inviting great room. A flexible downstairs room provides the ideal space for a home office, library, or home gym, while the upstairs loft offers additional living space perfect for a media room, playroom, or relaxation area. The spacious owner's suite features dual vanities and a huge walk-in closet, providing comfort and ample storage.
List Price/SqFt: 154.83

Property Features

Architectural Style: Traditional Levels: Two Property Condition: Updated/Remodeled Appliances: Dishwasher; Disposal; Dryer; Gas Range; Microwave; Refrigerator; Tankless Water Heater; Washer Interior Features: Breakfast Nook; Ceiling Fan(s); Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Walk-In Closet(s) Flooring: Carpet; Luxury Vinyl Laundry Features: Upper Level Utilities: Electricity Connected; Natural Gas Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: Smoke Detector(s) Construction Materials: Vinyl Siding Patio And Porch Features: Covered; Patio Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Fencing: Back Yard; Fenced; Vinyl Current Use: Residential; Single Family Association Amenities: Barbecue; Playground Community Features: Sidewalks 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: 2026-05-21

Location Tax and Legal

Street Number: 3528
Street Name: CUNNINGHAM
Street Suffix: Road
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 139-Oakleaf/Orange Park/NW Clay County
Subdivision Name: Sugar Leaf Farms

Status Change Information

Major Change Timestamp: 2026-10-22T19:35:47Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-10-22T19:35:47Z

DPR Eligible

DPR Eligible: Yes

More Information

Listing Office: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Last Updated: October - 30 - 2026

Information deemed reliable but not guaranteed.