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.

4742 CREEK BLUFF Lane, Middleburg, FL 32068 (MLS# 2171128)

4742 CREEK BLUFF Lane, Middleburg, FL 32068

$289,900

Property Type: Residential Bedrooms: 3 Baths: 2 Square Footage: 1,521 Lot Size (sq. ft.): 8,276 Status: Active

Current Price: $289,900 List Date: 10/27/2026 Last Modified: 11/14/2026

Overview

Description

Welcome to this immaculate 3-bedroom, 2-bath single-family home located in the desirable Pine Ridge community! Built in 2016, this move-in-ready home features a low HOA fee, luxury vinyl plank flooring throughout the main living areas, and carpeted bedrooms for added comfort. The open-concept floor plan creates a bright and inviting atmosphere, perfect for everyday living and entertaining guests. Enjoy the community amenities, including a refreshing community pool, and take advantage of the convenient location near shopping, dining, schools, and major roadways. Don't miss the opportunity to make this beautiful home yours!

Listing Details MLS# 2171128

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 1521
Living Area Source: Public Records
Year Built: 2016
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.19
Association YN: Yes
Association Fee: 85
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 2408.42
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: Yes
Senior Community YN: No
Directions: From I-295, take Exit 12 for Blanding Boulevard (FL-21 South) and continue south for approximately 8 miles. Turn right onto Old Jennings Road, then right onto Tynes Boulevard. Turn left onto Pine Ridge Parkway, then left onto Creek Bluff Lane. Continue to 4742 Creek Bluff Lane, Middleburg, FL 32068. For turn-by-turn directions, open Google Maps .
Public Remarks: Welcome to this immaculate 3-bedroom, 2-bath single-family home located in the desirable Pine Ridge community! Built in 2016, this move-in-ready home features a low HOA fee, luxury vinyl plank flooring throughout the main living areas, and carpeted bedrooms for added comfort. The open-concept floor plan creates a bright and inviting atmosphere, perfect for everyday living and entertaining guests. Enjoy the community amenities, including a refreshing community pool, and take advantage of the convenient location near shopping, dining, schools, and major roadways. Don't miss the opportunity to make this beautiful home yours!
List Price/SqFt: 190.6

Property Features

Levels: One Appliances: Dishwasher; Disposal; Electric Cooktop; Electric Oven; Electric Range; Electric Water Heater; Ice Maker; Refrigerator Utilities: Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air; Electric Heating: Central; Electric Water Source: Public Patio And Porch Features: Covered; Patio Parking Features: Garage Fencing: Fenced Current Use: Single Family Possession: Close Of Escrow Listing Terms: Cash; Conventional; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-10-27

Location Tax and Legal

Street Number: 4742
Street Name: CREEK BLUFF
Street Suffix: Lane
County: Clay
State: FL
Postal Code: 32068
MLS Area Major: 143-Foxmeadow Area
Subdivision Name: Pine Ridge

Status Change Information

Major Change Timestamp: 2026-11-14T23:37:16Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-11-14T23:37:16Z

DPR Eligible

DPR Eligible: Yes

More Information

Documents

CDD Addendum ›

Flood Disclosure ›

Pine Ridge Bylaws.pdf ›

Pine Ridge Articles of Incorporation ›

ARCHITECTURAL GUIDELINES FOR PINE RIDGE ›

Pine Ridge Covenants and Restrictions ›

Sellers Addendum ›

HOA Addendum ›

Listing Office: SUPREME PATH BROKERAGE LLC

Last Updated: November - 14 - 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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