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.

433 RUM RUNNER Way, St. Johns, FL 32259 (MLS# 2148007)

433 RUM RUNNER Way, St. Johns, FL 32259

$495,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,052 Status: Closed

Current Price: $495,000 List Date: 6/01/2026 Last Modified: 7/24/2026

Overview

Description

Experience luxury coastal living in this stunning 2023 built home in Beachwalk's gated community of Atlantica Isles! HOA Covers: Lawn & Landscape, Irrigation,Exterior Insurance & Maintenance Termite & Pest Control. Enjoy Tax savings: CDD BOND FULLY PAID OFF. This rare floor plan features a main level primary suite boasting a tiled walk in shower, double vanity, & walk in closet. The open concept layout flows into a gourmet kitchen equipped with quartz countertops, ceiling height crown molded cabinets, a double oven, & a premium LG French door fridge with a craft ice maker. Enjoy the Shiplap wrapped electric fireplace or utilize the custom built in workspace. Upstairs, find a spacious loft/flex room, a large laundry room & two bedrooms w/ walk in closets. Indoor/outdoor living awaits with stackable sliding doors opening to a covered lanai, fully fenced yard, and peaceful pond views. Features direct beach/lagoon access, Shark Coating garage floors, + overhead storage. Turn-key perfect!

Supplements: Welcome to Atlantica Isles- A Premium Lock-and-Leave Gated Community in Beachwalk. This community offers exceptional aggregate savings and comprehensive, hassle-free maintenance covered by the HOA: Complete Lawn & Landscape Care: Covers mowing, edging, weeding, hedging, fertilization, and pest/herbicide treatments for all individual lots and commo ... (Read more)

Listing Details MLS# 2148007

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2052
Living Area Source: Public Records
Year Built: 2023
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Association YN: Yes
Association Fee: 389.67
Association Fee Frequency: Monthly
Association Fee 2: 335
Association Fee 2 Frequency: Monthly
Association Name: Atlantica Isles at Beachwalk
Association Phone: 904-295-3921
CDD Fee YN: Yes
CDD Fee Amount: 1253.47
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: Yes
Furnished: Unfurnished
Stories: 2
Entry Level: Yes
Senior Community YN: No
Directions: I-95 South take exit 329 and turn left on County Road 210. Turn left at the first entrance to Beachwalk. Atlantica Isles will be on your right. Home is on your left.
Public Remarks: Experience luxury coastal living in this stunning 2023 built home in Beachwalk's gated community of Atlantica Isles! HOA Covers: Lawn & Landscape, Irrigation,Exterior Insurance & Maintenance Termite & Pest Control. Enjoy Tax savings: CDD BOND FULLY PAID OFF. This rare floor plan features a main level primary suite boasting a tiled walk in shower, double vanity, & walk in closet. The open concept layout flows into a gourmet kitchen equipped with quartz countertops, ceiling height crown molded cabinets, a double oven, & a premium LG French door fridge with a craft ice maker. Enjoy the Shiplap wrapped electric fireplace or utilize the custom built in workspace. Upstairs, find a spacious loft/flex room, a large laundry room & two bedrooms w/ walk in closets. Indoor/outdoor living awaits with stackable sliding doors opening to a covered lanai, fully fenced yard, and peaceful pond views. Features direct beach/lagoon access, Shark Coating garage floors, + overhead storage. Turn-key perfect!
List Price/SqFt: 241.23
Sold Price/SqFt: 241.23

Property Features

Levels: Two Property Condition: Updated/Remodeled Rental Restrictions: 7 Months; 1 Year Appliances: Dishwasher; Disposal; Gas Range; Microwave; Refrigerator; Tankless Water Heater Fireplace Features: Electric Interior Features: Breakfast Bar; Ceiling Fan(s); Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Primary Downstairs; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Tile Laundry Features: Electric Dryer Hookup; In Garage; In Unit; Upper Level; Washer Hookup Utilities: Cable Available; Electricity Available; Electricity Connected; Natural Gas Available; Natural Gas Connected; Sewer Available; Sewer Connected; Water Available; Water Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Security Features: Smoke Detector(s) Construction Materials: Composition Siding; Frame Patio And Porch Features: Covered; Rear Porch Roof: Metal Parking Features: Attached; Garage; Garage Door Opener Lot Features: Few Trees; Sprinklers In Front; Sprinklers In Rear View: Pond Waterfront Features: Pond Fencing: Back Yard; Fenced; Wrought Iron Current Use: Residential; Single Family Association Amenities: Clubhouse; Community Pool; Dog Park; Fitness Center; Gated; Jogging Path; Maintenance Grounds; Park; Pickleball; Playground; Tennis Court(s) Association Fee Includes: Insurance; Maintenance Grounds; Maintenance Structure; Pest Control Community Features: Curbs; Gated; Restaurant; Sidewalks; Street Lights Road Frontage Type: City Street Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Contingency Reason: Home Sale