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# 2145726)

430 SUMMERSET Drive, St. Johns, FL 32259

$1,200,000

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

Current Price: $1,200,000 List Date: 5/21/2026 Last Modified: 8/07/2026

Overview

Description

Stunning lakefront pool home in Bartram Plantation in St. Johns County, w/NO CDD fees. This luxury 4BR/5BA home showcases designer finishes throughout & offers an exceptional floorplan designed for both upscale living & modern family functionality. Main level features an exquisite owner's suite, 3 add'l bedrms, dedicated office, formal Living & Dining Rooms, & spacious family room w/built-ins & a gas fireplace. Oversized windows (w/remote solar shades) frame stunning pool & lake views w/gorgeous sunsets! Upstairs is a private guest retreat w/full bath PLUS oversized loft/bonus room. BRAND new gourmet kitchen w/custom cabinetry, 2 pantries, quartz counters, new KitchenAid SS appliances, induction cooktop & convection oven. Custom closet organizers, remodeled laundry room, new light/fan fixtures, fresh paint & more. Hardwood & tile floors on main level. Over $130K in upgrades make this move-in ready! Enjoy Florida outdoor living w/screened pool & spa, beautifully landscaped & 3c garage.

Listing Details MLS# 2145726

General Property Information

Bedrooms Total: 4
Bathrooms Full: 5
Bathrooms Total: 5
Living Area: 3966
Living Area Source: Public Records
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: 2
Entry Level: Yes
Senior Community YN: No
Direction Faces: South
Directions: South on SR 13, Left on Greenbriar Rd, Rt into Bartram Plantation, Left on Bridge Creek, 1st right in round-a-bout on Summerset, home on right.
Public Remarks: Stunning lakefront pool home in Bartram Plantation in St. Johns County, w/NO CDD fees. This luxury 4BR/5BA home showcases designer finishes throughout & offers an exceptional floorplan designed for both upscale living & modern family functionality. Main level features an exquisite owner's suite, 3 add'l bedrms, dedicated office, formal Living & Dining Rooms, & spacious family room w/built-ins & a gas fireplace. Oversized windows (w/remote solar shades) frame stunning pool & lake views w/gorgeous sunsets! Upstairs is a private guest retreat w/full bath PLUS oversized loft/bonus room. BRAND new gourmet kitchen w/custom cabinetry, 2 pantries, quartz counters, new KitchenAid SS appliances, induction cooktop & convection oven. Custom closet organizers, remodeled laundry room, new light/fan fixtures, fresh paint & more. Hardwood & tile floors on main level. Over $130K in upgrades make this move-in ready! Enjoy Florida outdoor living w/screened pool & spa, beautifully landscaped & 3c garage.
List Price/SqFt: 302.57
Sold Price/SqFt: 302.57

Property Features

Architectural Style: Traditional Levels: Multi/Split Property Condition: Updated/Remodeled Appliances: Convection Oven; Dishwasher; Disposal; Dryer; Electric Cooktop; Electric Oven; Electric Water Heater; Ice Maker; Induction Cooktop; Microwave; Refrigerator; Water Softener Owned Fireplace Features: Gas Interior Features: Breakfast Bar; Breakfast Nook; Built-in Features; Ceiling Fan(s); Entrance Foyer; Guest Suite; His and Hers Closets; Jack and Jill Bath; Open Floorplan; Pantry; Primary Bathroom -Tub with Separate Shower; Primary Downstairs; Split Bedrooms; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Carpet; Tile; Wood Laundry Features: In Unit; Lower Level; Sink Utilities: Cable Available; Cable Connected; Electricity Connected; Sewer Connected; Water Connected; Propane Cooling: Central Air; Electric; Multi Units Heating: Central; Electric Water Source: Public Sewer: Public Sewer Smart Home Features: Programmable Thermostat Security Features: Smoke Detector(s) Construction Materials: Frame; Stucco Patio And Porch Features: Covered; Front Porch; Patio; Rear Porch; Screened Pool Features: In Ground; Gas Heat; Heated; Pool Sweep; Salt Water; Screen Enclosure; Waterfall Spa Features: Heated; In Ground Roof: Shingle Parking Features: Additional Parking; Garage; Garage Door Opener; Guest; On Street Lot Features: Few Trees; Sprinklers In Front; Sprinklers In Rear View: Lake; Water Waterfront Features: Lake Front Fencing: Back Yard Current Use: Residential; Single Family Association Amenities: Management - Full Time; Management - Off Site; Park; Playground Community Features: Curbs; Sidewalks; Suburban Road Frontage Type: City Street Road Surface Type: Asphalt Possession: Close Of Escrow; Negotiable Listing Terms: Cash; Conventional; VA Loan