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.

3850 CARDINAL OAKS Circle, Orange Park, FL 32065 (MLS# 964749)

3850 CARDINAL OAKS Circle, Orange Park, FL 32065

$350,000

Virtual Tour

https://tours.eastcoastvtours.com/1175242?idx=1

Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 3,498 Status: Closed

Current Price: $350,000 List Date: 10/31/2018 Last Modified: 1/12/2026

Overview

Description

This large home in The Oaks@Oakleaf Plantation boasts over 3,498 sq.ft. and offers plenty of space for everyone! Home offers Wood and Tile Through out. No carpeting. Four separate Living Areas. Located on a cul-de-sac, it's large open floor plan features a formal dining room and living room. The large 5th bedroom (non conforming) upstairs makes the perfect In law suite, office, or exercise room. The spacious master suite is downstairs and overlooks majestic oaks and pond view. Kitchen has granite counter tops, stainless steel appliances. Enjoy the large peaceful screened porch. Upstairs balcony is the size of the house and overlooks the pond. Fantastic amenities-pool, water park, playground, tons of green space, paths, ponds, clubhouse, and awesome neighbors.

Listing Details MLS# 964749

General Property Information

Bedrooms Total: 5
Bathrooms Full: 3
Bathrooms Half: Yes
Bathrooms Total: 4
Living Area: 3498
Living Area Source: Public Records
Year Built: 2005
Lot Size Dimensions: 0.31
Association YN: Yes
Association Fee: 60
Association Fee Frequency: Annually
Association Phone: 904-880-8796
CDD Fee YN: Yes
CDD Fee Amount: 1600
New Construction YN: No
Garage Spaces: 3
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: Yes
Stories: 2
Directions: Argyle Forest Parkway then left at Oakleaf Village Parkway. Right at Plantation Oaks Blvd and left into Thousand Oaks Dr. Left onto Cardinal Oaks Cir. Property is on the right.
Public Remarks: This large home in The Oaks@Oakleaf Plantation boasts over 3,498 sq.ft. and offers plenty of space for everyone! Home offers Wood and Tile Through out. No carpeting. Four separate Living Areas. Located on a cul-de-sac, it's large open floor plan features a formal dining room and living room. The large 5th bedroom (non conforming) upstairs makes the perfect In law suite, office, or exercise room. The spacious master suite is downstairs and overlooks majestic oaks and pond view. Kitchen has granite counter tops, stainless steel appliances. Enjoy the large peaceful screened porch. Upstairs balcony is the size of the house and overlooks the pond. Fantastic amenities-pool, water park, playground, tons of green space, paths, ponds, clubhouse, and awesome neighbors.
List Price/SqFt: 114.32
Sold Price/SqFt: 100.06

Property Features

Approx Parcel Size: .25 to .5 Acre Architectural Style: Spanish Appliances: Dishwasher; Disposal; Electric Range; Electric Water Heater; Ice Maker; Microwave; Refrigerator Fireplace Features: Electric Interior Features: Breakfast Bar; Breakfast Nook; Eat-in Kitchen; Entrance Foyer; Pantry; Primary Bathroom -Tub with Separate Shower; Primary Downstairs; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Tile; Wood Cooling: Central Air Heating: Central; Heat Pump Water Source: Public Sewer: Public Sewer Security Features: Security System Owned; Smoke Detector(s) Construction Materials: Frame; Stucco Exterior Features: Balcony Patio And Porch Features: Front Porch; Patio; Porch; Screened Pool Features: None Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Sprinklers In Front; Sprinklers In Rear Waterfront Features: Pond Current Use: Residential Association Amenities: Basketball Court; Children's Pool; Clubhouse; Community Pool; Fitness Center; Jogging Path; Playground; Tennis Court(s); Trash Possession: Negotiable Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2018-10-31

Location Tax and Legal

Street Number: 3850
Street Name: CARDINAL OAKS
Street Suffix: Circle
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 139-Oakleaf/Orange Park/NW Clay County
Subdivision Name: Oaks At Oakleaf Plantation

Status Change Information

Major Change Timestamp: 2019-01-03T20:19:47Z
Major Change Type: Status Change
Purchase Contract Date: 2018-12-11
Close Date: 2018-12-24
Close Price: 350000

Fireplace Features

Fireplaces Total: Yes

More Information

Historical Information

Public Historical Remarks 1: Mandatory Fees: Y, Dining-Kitchen/Family Combo: Y
Public Historical Remarks 2: Common Club Amenities-Club Facilities: Y, Landscape Lighting: Y, Covenants/Restrictions: Y, Energy Features-Ceiling Fan(s): Y, Dining-Living/Dining Combo: Y, Soccer Field(s): Y, Bath-Garden Bath: Y, Interior Amenities-Ceiling 8+ Ft.: Y, Interior Amenities-Sliding Glass Door(s): Y

Room Information

Room Name
Family Room
Loft
Utility Room

Documents

Sellers Property Disclosure ›

Termite Bond ›

Listing Office: WATSON REALTY CORP

Last Updated: January - 12 - 2026

Information deemed reliable but not guaranteed.