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.

57 CLIFTON BAY Loop, St. Johns, FL 32259 (MLS# 2149078)

57 CLIFTON BAY Loop, St. Johns, FL 32259

$484,000

Huge screened lanai on pond, nice views from upstairs bedrooms

Serene water views from lanai and extended screened patio

Easy walk or bike to the lagoon and clubhouse, 0.7 miles

Kitchen with tile backsplash, breakfast bar

Double convection oven with temperature probe

5-burner gas cooktop, microwave with convection oven feature

photo taken while staged as model home in 2022

Open concept with 9-foot ceilings and 8-foot interior doors

lived-in walk-in pantry, with custom recessed spice rack and additional shelving

view from kitchen toward dining and living

dining room accommodates large table for gatherings

photo taken while staged as model home in 2022, light fixture replaced

primary bedroom as staged in model in 2022, light fixture moved to living room and replaced with fandolier

water closet, added electrical outlet next to light switch, for night light

loft area at top of stairs, as staged in the model home in 2022

bedroom 2 is a suite with its own full bathroom

bedroom 2 as staged in model home in 2022, light fixture replaced with fandolier

bedroom 3 as staged in the model home in 2022

Jack and Jill bathroom between bedrooms 3 and 4

bedroom 4 as staged in model home in 2022, person digitally removed

bedroom 4 with walk-in closet, Jack and Jill bathroom, and sleeper sofa

powder room off kitchen, two large recessed cabinets added, there's a dead space behind this wall, under the staircase

Dead space under stairs has potential to become storage, accessed through garage or foyer. Hole shown is where the powder room cabinets were installed.

Tennis, pickleball, and doggie splash pad

Fitness room with machines, treadmills, free weights

Property Type: Residential Bedrooms: 4 Baths: 4 Square Footage: 2,931 Lot Size (sq. ft.): 4,792 Status: Closed

Current Price: $484,000 List Date: 6/05/2026 Last Modified: 8/06/2026

Overview

Description

Enjoy the resort-style Beachwalk lifestyle in this well-maintained former model home with extensive upgrades! Stunning private lagoon with beach, restaurant, swim-up bar, tennis facility and more. Home has many features that set it apart from others in The Reef, including: * metal roof * gourmet kitchen with convection double wall oven, gas cooktop, walk-in pantry * 500 sq. ft. screened lanai overlooking pond * upscale light fixtures * stunning shiplap accent walls in main living areas * engineered wood staircase, not carpet * designer touches including custom window treatments with matching throw pillows * smart home features * true 4-bedroom, 3.5 bath: 2 BR have ensuite bath, 2 have Jack-and-Jill Huge primary BR on main floor currently has home office in one corner. Giant walk-in closet in primary, plus linen closets throughout. Watch wildlife & enjoy sunsets over the pond, on giant screened lanai. Built in 2020, occupied since 2022, no smoking or pets ever. Listing a ... (Read more)

Listing Details MLS# 2149078

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Half: Yes
Bathrooms Total: 4
Living Area: 2265
Living Area Source: Public Records
Building Area Total: 2931
Year Built: 2020
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.11
Association YN: Yes
Association Fee: 602.5
Association Fee Frequency: Quarterly
Association Fee 2: 335.48
Association Fee 2 Frequency: Monthly
Association Name: The Reef at Beachwalk HOA
Association Phone: 904-295-3921
CDD Fee YN: Yes
CDD Fee Amount: 3850.26
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: From I-95, exit on 210 and go east toward Nocatee. At the Beachwalk Blvd stoplight turn left from the left-most turn lane. Turn left at the first intersection, onto Albany Bay Blvd. Then first right onto Clifton Bay Loop. No sign.
Public Remarks: Enjoy the resort-style Beachwalk lifestyle in this well-maintained former model home with extensive upgrades! Stunning private lagoon with beach, restaurant, swim-up bar, tennis facility and more. Home has many features that set it apart from others in The Reef, including: * metal roof * gourmet kitchen with convection double wall oven, gas cooktop, walk-in pantry * 500 sq. ft. screened lanai overlooking pond * upscale light fixtures * stunning shiplap accent walls in main living areas * engineered wood staircase, not carpet * designer touches including custom window treatments with matching throw pillows * smart home features * true 4-bedroom, 3.5 bath: 2 BR have ensuite bath, 2 have Jack-and-Jill Huge primary BR on main floor currently has home office in one corner. Giant walk-in closet in primary, plus linen closets throughout. Watch wildlife & enjoy sunsets over the pond, on giant screened lanai. Built in 2020, occupied since 2022, no smoking or pets ever. Listing agent is owner
List Price/SqFt: 224.72
Sold Price/SqFt: 213.69

Property Features

Architectural Style: Traditional Levels: Two Property Condition: Updated/Remodeled Rental Restrictions: 7 Months Appliances: Convection Oven; Dishwasher; Disposal; Double Oven; Electric Oven; Gas Cooktop; Gas Water Heater; Microwave; Plumbed For Ice Maker; Tankless Water Heater; Water Softener Owned Interior Features: Breakfast Bar; Ceiling Fan(s); Entrance Foyer; Guest Suite; Jack and Jill Bath; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Primary Downstairs; Smart Home; Smart Thermostat; Split Bedrooms; Walk-In Closet(s) Flooring: Carpet; Luxury Vinyl; Tile Laundry Features: Gas Dryer Hookup; In Unit; Lower Level Utilities: Cable Available; Electricity Connected; Natural Gas Connected; Sewer Connected; Water Connected Cooling: Central Air; Electric; Zoned Heating: Central; Electric Water Source: Public Sewer: Public Sewer Smart Home Features: Irrigation; Lighting; Locks; Programmable Thermostat; Security Security Features: Security System Owned; Smoke Detector(s) Construction Materials: Brick; Composition Siding; Frame Patio And Porch Features: Covered; Rear Porch; Screened Roof: Metal Parking Features: Attached; Garage; Garage Door Opener; Off Street Lot Features: Sprinklers In Front; Sprinklers In Rear View: Pond; Water Waterfront Features: Pond Current Use: Residential; Single Family Association Amenities: Clubhouse; Community Pool; Dog Park; Fitness Center; Management - On Site; Pickleball; Playground; Tennis Court(s); Water Association Fee Includes: Maintenance Grounds Community Features: Curbs; Restaurant; Sidewalks; Street Lights Road Frontage Type: Private Road Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Room Types: Bathroom 2; Bathroom 3; Bathroom 4; Bedroom 2; Bedroom 3; Bedroom 4; Kitchen; Laundry; Living Room; Primary Bathroom; Primary Bedroom

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-06-05

Location Tax and Legal

Street Number: 57
Street Name: CLIFTON BAY
Street Suffix: Loop
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: The Reef

Status Change Information

Major Change Timestamp: 2026-08-06T01:16:54Z
Major Change Type: Status Change
Price Change Timestamp: 2026-06-16T20:14:54Z
Purchase Contract Date: 2026-07-09
Close Date: 2026-08-05
Close Price: 484000

DPR Eligible

DPR Eligible: No

More Information

Room Types

Bathroom 2 Level: Second
Bathroom 3 Level: Second
Bathroom 4 Level: First
Bedroom 2 Level: Second
Bedroom 3 Level: Second
Bedroom 4 Level: Second
Kitchen Level: First
Laundry Level: First
Living Room Level: First
Primary Bathroom Level: First
Primary Bedroom Level: First

Room Information

Room Name	Level	Length	Width	Remarks
Primary Bedroom	First	14.74	14.98	generous size, currently has office in corner
Primary Bathroom	First	10.48	11.02	dual sinks, shower only
Bedroom 2	Second	16.26	13.06
Bedroom 3	Second	12.12	12.04
Bedroom 4	Second	12.02	12.03
Bathroom 2	Second	6.47	8.13	tub with shower
Bathroom 3	Second	5.03	10.03	tub with shower
Bathroom 4	First	3.64	5.32	powder room with pedestal sink and storage cabinets
Laundry	First	5.97	7.32
Kitchen	First	10.00	10.00
Living Room	First	14.00	16.00	triple sliders, nice view of pond

Listing Office: COASTAL REALTY OF NE FLORIDA, LLC

Last Updated: August - 06 - 2026

Information deemed reliable but not guaranteed.