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.

3717 SAINT CHARLES Way, Orange Park, FL 32065 (MLS# 2060832)

3717 SAINT CHARLES Way, Orange Park, FL 32065

$467,148

Virtual Tour

https://my.matterport.com/show/?m=BFpjLZqaLab

Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 2,650 Lot Size (sq. ft.): 6,098 Status: Closed

Current Price: $467,148 List Date: 12/16/2024 Last Modified: 2/18/2026

Overview

Description

Newly Built Home! Spacious and accommodating, the two-story Moonstone features an open-concept main floor and four charming bedrooms upstairs. Just off the entryway, you'll find a 5th bedroom with an attached bathroom. Toward the back of the home, a great room flows into an inviting kitchen with a center island and adjacent dining room. Upstairs offers a versatile loft. * SAMPLE PHOTOS Actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

Listing Details MLS# 2060832

General Property Information

Bedrooms Total: 5
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2650
Living Area Source: Builder
Year Built: 2025
Lot Size Acres: 0.14
Association YN: Yes
Association Fee: 860
Association Fee Frequency: Annually
Association Name: Sovereign Jacobs
Association Phone: 904-461-5556
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2025-02-28
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: 2
Senior Community YN: No
Direction Faces: South
Directions: 295 To East onto Commonwealth Ave. Left onto onto Lane Ave. north. Right onto Jacks Rd. Right onto Tomahawk Lake Dr.
Public Remarks: Newly Built Home! Spacious and accommodating, the two-story Moonstone features an open-concept main floor and four charming bedrooms upstairs. Just off the entryway, you'll find a 5th bedroom with an attached bathroom. Toward the back of the home, a great room flows into an inviting kitchen with a center island and adjacent dining room. Upstairs offers a versatile loft. * SAMPLE PHOTOS Actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).
List Price/SqFt: 176.28
Sold Price/SqFt: 176.28

Property Features

Levels: Two Property Condition: Under Construction Appliances: Dishwasher; Disposal; Dryer; Electric Water Heater; Gas Range; Microwave; Refrigerator; Washer Interior Features: Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Vaulted Ceiling(s); Walk-In Closet(s); Other Flooring: Carpet; Wood Laundry Features: In Unit Utilities: Cable Available; Electricity Available; Natural Gas Available; Sewer Available; Water Available Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: Smoke Detector(s) Construction Materials: Block; Composition Siding; Frame; Other Patio And Porch Features: Covered; Patio Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Sprinklers In Front; Sprinklers In Rear Current Use: Residential; Single Family Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Room Types: Bathroom 2; Bathroom 3; Bedroom 2; Bedroom 3; Bedroom 4; Bedroom 5; Dining Room; Kitchen; Living Room; Primary Bathroom; Primary Bedroom

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2024-12-16

Location Tax and Legal

Street Number: 3717
Street Name: SAINT CHARLES
Street Suffix: Way
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 139-Oakleaf/Orange Park/NW Clay County
Subdivision Name: Irongate

Status Change Information

Major Change Timestamp: 2025-02-24T14:11:53Z
Major Change Type: Status Change
Price Change Timestamp: 2025-01-15T17:30:53Z
Purchase Contract Date: 2025-01-15
Close Date: 2025-02-21
Close Price: 467148

DPR Eligible

DPR Eligible: No

More Information

Room Types

Bathroom 2 Level: Second
Bathroom 3 Level: First
Bedroom 2 Level: Second
Bedroom 3 Level: Second
Bedroom 4 Level: Second
Bedroom 5 Level: First
Dining Room Level: First
Kitchen Level: First
Living Room Level: First
Primary Bathroom Level: Second
Primary Bedroom Level: Second

Room Information

Room Name	Level
Living Room	First
Dining Room	First
Kitchen	First
Bedroom 5	First
Bathroom 3	First
Primary Bedroom	Second
Primary Bathroom	Second
Bedroom 2	Second
Bedroom 3	Second
Bedroom 4	Second
Bathroom 2	Second

Listing Office: THE REALTY EXPERIENCE POWERED

Last Updated: February - 18 - 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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