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.

3657 HARTLEY Road, Jacksonville, FL 32257 (MLS# 2080082)

3657 HARTLEY Road, Jacksonville, FL 32257

$327,000

Virtual Tour

https://www.zillow.com/view-imx/db3c4f81-4f32-4c76-98d4-dbdfe38652d4?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,229 Lot Size (sq. ft.): 6,970 Status: Closed

Current Price: $327,000 List Date: 10/23/2025 Last Modified: 10/23/2026

Overview

Description

BRAND NEW HVAC!!! Stay nice and cool even in the August heat. Step into this beautifully updated 3-bedroom, 2-bath home nestled in the heart of Mandarin. With a light and bright galley-style kitchen, complete with a sunny breakfast nook, you'll love the flow and functionality of this space. The vaulted ceiling in the living room creates an airy and open feel, complemented by updated LVT and tile flooring throughout. Enjoy spacious bedrooms, renovated bathrooms, and the cozy charm of a wood-burning fireplace. The fully fenced backyard offers privacy and room to relax or entertain, and the one-car garage plus additional parking make this home extra convenient. Bonus: bring your trailers, boats, or work vehicles—no HOA restrictions here! Located just minutes from Mandarin's shopping, dining, and schools, this move-in-ready home is perfect for first-time buyers or someone looking to downsize. Don't miss your chance—schedule your showing today!

Listing Details MLS# 2080082

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1229
Living Area Source: Appraiser
Year Built: 1986
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.16
Association YN: No
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: Yes
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: Yes
Entry Level: Yes
Senior Community YN: No
Direction Faces: South
Directions: N on San Jose from I295. Right on Hartley. Home is on the left.
Public Remarks: BRAND NEW HVAC!!! Stay nice and cool even in the August heat. Step into this beautifully updated 3-bedroom, 2-bath home nestled in the heart of Mandarin. With a light and bright galley-style kitchen, complete with a sunny breakfast nook, you'll love the flow and functionality of this space. The vaulted ceiling in the living room creates an airy and open feel, complemented by updated LVT and tile flooring throughout. Enjoy spacious bedrooms, renovated bathrooms, and the cozy charm of a wood-burning fireplace. The fully fenced backyard offers privacy and room to relax or entertain, and the one-car garage plus additional parking make this home extra convenient. Bonus: bring your trailers, boats, or work vehicles—no HOA restrictions here! Located just minutes from Mandarin's shopping, dining, and schools, this move-in-ready home is perfect for first-time buyers or someone looking to downsize. Don't miss your chance—schedule your showing today!
List Price/SqFt: 264.04
Sold Price/SqFt: 266.07

Property Features

Architectural Style: Traditional Levels: One Appliances: Dishwasher; Dryer; Electric Cooktop; Electric Oven; Electric Water Heater; Microwave; Refrigerator; Washer Fireplace Features: Wood Burning Interior Features: Primary Bathroom - Shower No Tub Flooring: Tile; Vinyl Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Construction Materials: Wood Siding Patio And Porch Features: Covered; Front Porch; Patio Roof: Shingle Parking Features: Garage Fencing: Back Yard; Privacy; Vinyl Current Use: Residential; Single Family Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Room Types: Bathroom 3; Bedroom 2; Dining Room; Family Room; Kitchen; Primary Bedroom; Other Room

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2025-04-05

Location Tax and Legal

Street Number: 3657
Street Name: HARTLEY
Street Suffix: Road
County: Duval
State: FL
Postal Code: 32257
MLS Area Major: 013-Beauclerc/Mandarin North
Subdivision Name: Anchorage

Status Change Information

Major Change Timestamp: 2025-10-23T19:24:58Z
Major Change Type: Status Change
Price Change Timestamp: 2025-07-21T19:24:39Z
Purchase Contract Date: 2025-09-15
Close Date: 2025-10-20
Close Price: 327000

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: No

Room Types

Bathroom 3 Level: Main
Bedroom 2 Level: Main
Dining Room Level: Main
Family Room Level: Main
Kitchen Level: Main
Primary Bedroom Level: Main
Other Room Level: Main

Room Information

Room Name	Level	Length	Width	Remarks
Family Room	Main	13.00	14.00
Dining Room	Main	13.00	8.00
Kitchen	Main	8.00	8.00
Other	Main	10.00	7.00	Breakfast Nook
Primary Bedroom	Main	13.00	13.00
Bedroom 2	Main	13.00	10.00
Bathroom 3	Main	11.00	10.00

Documents

Survey ›

Seller's Disclosure ›

Flood Disc ›

Listing Office: ROUND TABLE REALTY

Last Updated: October - 23 - 2026

Information deemed reliable but not guaranteed.