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.

3996 ARBOR MILL Circle, Orange Park, FL 32065 (MLS# 2165898)

3996 ARBOR MILL Circle, Orange Park, FL 32065

$354,900

Property Type: Residential Bedrooms: 5 Baths: 4 Square Footage: 2,702 Lot Size (sq. ft.): 8,712 Status: Active

Current Price: $354,900 List Date: 9/22/2026 Last Modified: 11/05/2026

Overview

Description

Welcome to this stunning 5-bedroom, 3.5-bath home nestled on a desirable corner lot in Arbor Mill at Oakleaf Plantation! Designed for modern living, this inviting residence features a spacious open floor plan, a convenient two-car garage, and a private, separate owner's suite. Enjoy relaxing or entertaining outdoors in the wonderful screened patio. Located in a fantastic community with incredible Oakleaf amenities, you will love the convenience of being just minutes away from local shopping and easy interstate access. Schedule your tour today and make this wonderful property your new home!

Listing Details MLS# 2165898

General Property Information

Bedrooms Total: 5
Bathrooms Full: 3
Bathrooms Half: Yes
Bathrooms Total: 4
Living Area: 2702
Living Area Source: Public Records
Year Built: 2017
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.2
Association YN: Yes
Association Fee: 746
Association Fee Frequency: Annually
Association Name: Oakleaf Plantation
Association Phone: 904-806-2006
CDD Fee YN: Yes
CDD Fee Amount: 1881.26
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
Stories: 2
Senior Community YN: No
Directions: From SR-23 exit heading west on Oakleaf Plantation Pkwy., Left on Charter Oaks Blvd., Left on Arbor Mill Cir.
Public Remarks: Welcome to this stunning 5-bedroom, 3.5-bath home nestled on a desirable corner lot in Arbor Mill at Oakleaf Plantation! Designed for modern living, this inviting residence features a spacious open floor plan, a convenient two-car garage, and a private, separate owner's suite. Enjoy relaxing or entertaining outdoors in the wonderful screened patio. Located in a fantastic community with incredible Oakleaf amenities, you will love the convenience of being just minutes away from local shopping and easy interstate access. Schedule your tour today and make this wonderful property your new home!
List Price/SqFt: 131.35

Property Features

Appliances: Dishwasher Interior Features: Breakfast Bar; Open Floorplan Laundry Features: Electric Dryer Hookup; Washer Hookup Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central Water Source: Public Construction Materials: Composition Siding Patio And Porch Features: Screened Parking Features: Attached; Garage Lot Features: Corner Lot Current Use: Residential 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: 2026-09-21

Location Tax and Legal

Street Number: 3996
Street Name: ARBOR MILL
Street Suffix: Circle
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 139-Oakleaf/Orange Park/NW Clay County
Subdivision Name: Arbor Mill At Oakleaf Plantation

Status Change Information

Major Change Timestamp: 2026-11-05T16:36:15Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-11-05T16:36:15Z

DPR Eligible

DPR Eligible: Yes

More Information

Documents

No property disclosure ›

Listing Office: ALLISON JAMES ESTATES AND HOMES FLORIDA

Last Updated: November - 05 - 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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