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.

685 CHARTER OAKS Boulevard, Orange Park, FL 32065 (MLS# 2133878)

685 CHARTER OAKS Boulevard, Orange Park, FL 32065

$360,000

Virtual Tour

https://www.zillow.com/view-imx/4e3d85c6-198d-4c98-91f1-f6b8818bdfe5?setAttribution=mls&wl=true&initialViewType=pano&utm_source=dashboard

Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 2,395 Lot Size (sq. ft.): 6,534 Status: Closed

Current Price: $360,000 List Date: 4/08/2026 Last Modified: 5/18/2026

Overview

Description

Welcome to this beautifully maintained Drees-built home in the highly sought-after Arbor Mill community of Oakleaf Plantation, perfectly situated on a scenic lakeview lot. Step inside to an inviting open living space highlighted by stunning wood-wrapped beams that create warmth, character, and a true designer feel. The chef-inspired kitchen is the heart of the home, featuring granite countertops, a stylish tiled backsplash, double wall ovens, and a separate GAS cooktop--perfect for entertaining or preparing meals with ease. The spacious owner's suite offers a relaxing retreat with dual walk-in closets and a luxurious en-suite bath designed for comfort and functionality. Enjoy peaceful water views from your backyard, ideal for morning coffee, evening relaxation, or hosting family and friends. Lovingly cared for and truly move-in ready, this home showcases pride of ownership throughout. Schedule your showing today. Furniture available with sale.

Listing Details MLS# 2133878

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 2395
Living Area Source: Assessor
Year Built: 2018
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.15
Association YN: Yes
Association Fee: 692
Association Fee Frequency: Annually
CDD Fee YN: No
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: Negotiable
Stories: Yes
Senior Community YN: No
Directions: 295 exit south on Blanding. Right on Argyle Forest. Follow 8 miles, past Toll Road 23, Turn left onto Charter Oaks Blvd. Home is down on left.
Public Remarks: Welcome to this beautifully maintained Drees-built home in the highly sought-after Arbor Mill community of Oakleaf Plantation, perfectly situated on a scenic lakeview lot. Step inside to an inviting open living space highlighted by stunning wood-wrapped beams that create warmth, character, and a true designer feel. The chef-inspired kitchen is the heart of the home, featuring granite countertops, a stylish tiled backsplash, double wall ovens, and a separate GAS cooktop--perfect for entertaining or preparing meals with ease. The spacious owner's suite offers a relaxing retreat with dual walk-in closets and a luxurious en-suite bath designed for comfort and functionality. Enjoy peaceful water views from your backyard, ideal for morning coffee, evening relaxation, or hosting family and friends. Lovingly cared for and truly move-in ready, this home showcases pride of ownership throughout. Schedule your showing today. Furniture available with sale.
List Price/SqFt: 156.58
Sold Price/SqFt: 150.31

Property Features

Appliances: Dishwasher; Double Oven; Electric Water Heater; Gas Range; Refrigerator Interior Features: Breakfast Bar; His and Hers Closets; Primary Bathroom -Tub with Separate Shower; Split Bedrooms Flooring: Carpet; Tile Utilities: Electricity Connected; Water Connected; Propane Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Patio And Porch Features: Screened Parking Features: Garage View: Pond Waterfront Features: Pond Fencing: Wrought Iron Current Use: Residential Association Amenities: Barbecue; Clubhouse; Playground Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-03-06

Location Tax and Legal

Street Number: 685
Street Name: CHARTER OAKS
Street Suffix: Boulevard
County: Clay
State: FL
Postal Code: 32065
MLS Area Major: 139-Oakleaf/Orange Park/NW Clay County
Subdivision Name: Arbor Mill At Oakleaf Plantation

Status Change Information

Major Change Timestamp: 2026-05-18T14:35:33Z
Major Change Type: Status Change
Purchase Contract Date: 2026-04-14
Close Date: 2026-05-15
Close Price: 360000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: MOMENTUM REALTY

Last Updated: May - 18 - 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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