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.

430 SUMMERSET Drive, St. Johns, FL 32259 (MLS# 2069151)

430 SUMMERSET Drive, St. Johns, FL 32259

$1,067,000

Virtual Tour

https://www.zillow.com/view-imx/0527d69b-4ea6-4262-91b4-aeef0708f031?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 4 Baths: 5 Square Footage: 5,115 Lot Size (sq. ft.): 21,780 Status: Closed

Current Price: $1,067,000 List Date: 2/13/2025 Last Modified: 4/17/2026

Overview

Description

Enjoy the sunset on the screened & paver deck, pool, or hot tub overlooking a serene lakefront view. perfectly laid out with 3 BR (including the primary) + office down, Huge 4th bedroom with a full bath and large oasis room up. Entire back of the home features windows to enjoy pool & lake views. Stunning hardwood and tile floors cover the first floor. Kitchen has 42'' custom cabinets w/crown, granite counters, stainless appliances and overlooks comfortable family room with custom built ins & gas fireplace. Primary BR has trayed ceiling and leads to amazing recently updated bath and sitting area. Office features French doors, floors, and wood beam coffered ceiling. Home has been professionally landscaped with gorgeous accent lighting. 3-car garage provides room for extra storage, shop or special toy. In one of the most sought after neighborhoods in St. Johns.

Listing Details MLS# 2069151

General Property Information

Bedrooms Total: 4
Bathrooms Full: 5
Bathrooms Total: 5
Living Area: 3966
Living Area Source: Builder
Building Area Total: 5115
Year Built: 2006
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.5
Association YN: Yes
Association Fee: 1200
Association Fee Frequency: Annually
Association Name: Bartram Plantation HOA
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: Yes
Water Body Access YN: No
Waterfront YN: Yes
Stories: 3
Entry Level: Yes
Senior Community YN: No
Direction Faces: South
Directions: Go South on SR13, left on Greenbriar Rd, first right into Bartram Plantation. Left on Bridge Creek, 1st right in round-a-bout on Summerset, home is ahead on right.
Public Remarks: Enjoy the sunset on the screened & paver deck, pool, or hot tub overlooking a serene lakefront view. perfectly laid out with 3 BR (including the primary) + office down, Huge 4th bedroom with a full bath and large oasis room up. Entire back of the home features windows to enjoy pool & lake views. Stunning hardwood and tile floors cover the first floor. Kitchen has 42'' custom cabinets w/crown, granite counters, stainless appliances and overlooks comfortable family room with custom built ins & gas fireplace. Primary BR has trayed ceiling and leads to amazing recently updated bath and sitting area. Office features French doors, floors, and wood beam coffered ceiling. Home has been professionally landscaped with gorgeous accent lighting. 3-car garage provides room for extra storage, shop or special toy. In one of the most sought after neighborhoods in St. Johns.
List Price/SqFt: 277.36
Sold Price/SqFt: 269.04

Property Features

Architectural Style: Traditional Levels: Two Property Condition: Updated/Remodeled Rental Restrictions: No Minimum Appliances: Convection Oven; Dishwasher; Dryer; Electric Cooktop; Electric Oven; Electric Water Heater; Ice Maker; Microwave; Refrigerator; Washer; Water Softener Owned Fireplace Features: Gas Interior Features: Breakfast Bar; Breakfast Nook; Built-in Features; Ceiling Fan(s); His and Hers Closets; Jack and Jill Bath; Open Floorplan; Primary Bathroom - Tub with Shower; Primary Downstairs; Split Bedrooms; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Carpet; Tile; Wood Laundry Features: Electric Dryer Hookup; Lower Level; Washer Hookup Utilities: Cable Connected; Electricity Connected; Sewer Connected; Water Connected; Propane Cooling: Central Air; Multi Units; Zoned Heating: Central; Electric; Zoned Water Source: Public Sewer: Public Sewer Smart Home Features: Programmable Thermostat; Security; Smoke Detector Security Features: Closed Circuit Camera(s); Entry Phone/Intercom; Security System Owned; Smoke Detector(s) Construction Materials: Frame; Stucco Patio And Porch Features: Covered; Rear Porch; Screened Pool Features: In Ground; Gas Heat; Heated; Screen Enclosure; Waterfall Spa Features: Heated; In Ground Roof: Shingle Parking Features: Additional Parking; Garage; Garage Door Opener; Guest; Off Street Lot Features: Few Trees; Sprinklers In Front; Sprinklers In Rear View: Lake; Water Waterfront Features: Lake Front; Pond Fencing: Back Yard Current Use: Residential; Single Family Association Amenities: Park; Playground; Other Association Fee Includes: Other Road Frontage Type: City Street Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; VA Loan Room Types: Bedroom 2; Bedroom 3; Bedroom 4; Family Room; Living Room; Office; Primary Bedroom; Other Room

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2025-02-01

Location Tax and Legal

Street Number: 430
Street Name: SUMMERSET
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 302-Orangedale Area
Subdivision Name: Bartram Plantation

Status Change Information

Major Change Timestamp: 2025-05-28T17:25:01Z
Major Change Type: Status Change
Price Change Timestamp: 2025-03-13T15:24:33Z
Purchase Contract Date: 2025-04-23
Close Date: 2025-05-28
Close Price: 1067000

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: No

Room Types

Bedroom 2 Level: Main
Bedroom 3 Level: Main
Bedroom 4 Level: Second
Family Room Level: First
Living Room Level: First
Office Level: First
Primary Bedroom Level: Main
Other Room Level: Second

Room Information

Room Name	Level	Length	Width	Remarks
Primary Bedroom	Main	18.80	13.80
Bedroom 2	Main	12.20	11.00
Bedroom 3	Main	11.00	11.00
Bedroom 4	Second	23.00	14.80
Other	Second	14.10	20.00	Oasis room/loft above 4th bedroom
Living Room	First	12.40	15.60
Family Room	First	14.60	20.50
Office	First	10.60	10.00	Private office with French doors

Documents

Listing Office: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Last Updated: April - 17 - 2026

Information deemed reliable but not guaranteed.