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.

4071 PEBBLE BROOKE CIR Circle S, Orange Park, FL 32065 (MLS# 2113905)

4071 PEBBLE BROOKE CIR Circle S, Orange Park, FL 32065

$290,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 1,938 Status: Closed

Current Price: $290,000 List Date: 10/17/2025 Last Modified: 1/15/2026

Overview

Description

Wonderful two story 4 bedroom 2.5 bath home with a 2 car garage in Oakeaf Plantation. Fresh paint, HVAC new in 8/2020. Located in a community known for its resort-style amenities including pools with tower slides, children's splash parks, lap lanes, tennis, pickleball, and basketball.''A'' rated schools nearby. *Seller offering $13,000 credit at closing that can be used for new roof and water heater (due to age not function). Bring your moving truck, it's ready for move in at a great price!

Listing Details MLS# 2113905

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 1938
Living Area Source: Public Records
Year Built: 2005
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Association YN: Yes
Association Fee: 85
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 1893
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: I295-EXIT LEFT BLANDING- (R) ARGYLE FOREST BLVD- (L) PLANTATION VILLAGE PKWY-(R) PLANTATION OAKS BLVD- (R) SILVER LEAF BLVD- (L) PEBBLE BROOK CIR- (L) Home is on Right side
Public Remarks: Wonderful two story 4 bedroom 2.5 bath home with a 2 car garage in Oakeaf Plantation. Fresh paint, HVAC new in 8/2020. Located in a community known for its resort-style amenities including pools with tower slides, children's splash parks, lap lanes, tennis, pickleball, and basketball.''A'' rated schools nearby. *Seller offering $13,000 credit at closing that can be used for new roof and water heater (due to age not function). Bring your moving truck, it's ready for move in at a great price!
List Price/SqFt: 152.22
Sold Price/SqFt: 149.64

Property Features

Architectural Style: Traditional Appliances: Dishwasher; Disposal; Electric Range; Electric Water Heater; Microwave; Refrigerator Interior Features: Breakfast Nook; Entrance Foyer; Pantry; Primary Bathroom -Tub with Separate Shower; Primary Downstairs; Walk-In Closet(s) Flooring: Carpet; Vinyl Laundry Features: Electric Dryer Hookup; In Unit; Lower Level; Washer Hookup Utilities: Cable Available; Electricity Connected; Sewer Connected; Water Connected Cooling: Electric Heating: Central; Electric Water Source: Public Construction Materials: Fiber Cement; Stone Veneer Patio And Porch Features: Covered; Patio Roof: Shingle Parking Features: Garage; Garage Door Opener Current Use: Residential; Single Family Association Amenities: Children's Pool; Community Pool; Fitness Center; Jogging Path; Pickleball; Playground; Tennis Court(s) Community Features: Sidewalks; Street Lights Road Frontage Type: City Street Road Surface Type: Asphalt 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: 2025-10-17

Location Tax and Legal

Street Number: 4071
Street Name: PEBBLE BROOKE CIR
Street Suffix: Circle
Street Direction Suffix: S
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 139-Oakleaf/Orange Park/NW Clay County
Subdivision Name: Oakleaf Plantation

Status Change Information

Major Change Timestamp: 2026-01-15T15:04:46Z
Major Change Type: Status Change
Price Change Timestamp: 2025-12-07T15:46:11Z
Purchase Contract Date: 2025-12-15
Close Date: 2026-01-14
Close Price: 290000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: FLORIDA COASTAL JACKSONVILLE

Last Updated: January - 15 - 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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