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.

3740 SAINT CHARLES Way, Orange Park, FL 32065 (MLS# 2044977)

3740 SAINT CHARLES Way, Orange Park, FL 32065

$439,811

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,380 Lot Size (sq. ft.): 7,405 Status: Closed

Current Price: $439,811 List Date: 8/30/2024 Last Modified: 2/18/2026

Overview

Description

Newly built home. Discover this inspired Elderberry home, ready for quick move-in! Included features: a smartly planned kitchen offering a center island, a generous walk-in pantry and stainless-steel appliances, including a French-door refrigerator; an elegant great room and adjacent dining area; a main-floor primary suite boasting a spacious walk-in closet and a private bath; a large loft; three secondary bedrooms; two additional baths; a convenient laundry and a cheerful patio. This home also showcases quartz countertops throughout. * SAMPLE PHOTOS Actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

Listing Details MLS# 2044977

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2380
Living Area Source: Builder
Year Built: 2024
Lot Size Acres: 0.17
Association YN: Yes
Association Fee: 215
Association Fee Frequency: Quarterly
Association Name: Richmond HOA
Association Phone: 904-461-5556
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2024-10-31
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: North
Directions: I-95N TAKE EXIT 12 Follow Collins Rd and Oakleaf Village Parkway to Cunningham Rd in Clay County Oakleaf Village Parkway turns left and becomes Cunningham Rd Destination on your right.
Public Remarks: Newly built home. Discover this inspired Elderberry home, ready for quick move-in! Included features: a smartly planned kitchen offering a center island, a generous walk-in pantry and stainless-steel appliances, including a French-door refrigerator; an elegant great room and adjacent dining area; a main-floor primary suite boasting a spacious walk-in closet and a private bath; a large loft; three secondary bedrooms; two additional baths; a convenient laundry and a cheerful patio. This home also showcases quartz countertops throughout. * SAMPLE PHOTOS Actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).
List Price/SqFt: 191.1
Sold Price/SqFt: 184.79

Property Features

Architectural Style: Traditional Levels: Two Property Condition: Under Construction Appliances: Dishwasher; Disposal; Dryer; Gas Range; Microwave; Refrigerator; Tankless Water Heater; Washer Interior Features: Entrance Foyer; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Primary Downstairs; Split Bedrooms; 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 Pool Features: None Roof: Shingle Parking Features: Attached; Garage 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 4; Bedroom 2; Bedroom 3; Bedroom 4; Dining Room; Great Room; Kitchen; Loft; Primary Bathroom; Primary Bedroom

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2024-08-30

Location Tax and Legal

Street Number: 3740
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: Sugar Leaf Farms

Status Change Information

Major Change Timestamp: 2024-12-02T16:20:44Z
Major Change Type: Status Change
Price Change Timestamp: 2024-11-04T14:13:44Z
Purchase Contract Date: 2024-11-02
Close Date: 2024-11-26
Close Price: 439811

DPR Eligible

DPR Eligible: No

More Information

Room Types

Bathroom 2 Level: Second
Bathroom 4 Level: First
Bedroom 2 Level: Second
Bedroom 3 Level: Second
Bedroom 4 Level: Second
Dining Room Level: First
Great Room Level: First
Kitchen Level: First
Loft Level: Second
Primary Bathroom Level: First
Primary Bedroom Level: First

Room Information

Room Name	Level	Remarks
Great Room	First
Kitchen	First
Dining Room	First	Separate Dining Room
Primary Bedroom	First
Primary Bathroom	First
Bathroom 4	First
Loft	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.