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.

708 CHARTER OAKS Boulevard, Orange Park, FL 32065 (MLS# 1153428)

708 CHARTER OAKS Boulevard, Orange Park, FL 32065

$430,000

Property Type: Residential Bedrooms: 4 Baths: 2 Square Footage: 2,289 Status: Closed

Current Price: $430,000 List Date: 2/11/2022 Last Modified: 2/03/2026

Overview

Listing Details MLS# 1153428

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Total: 2
Living Area: 2289
Living Area Source: Public Records
Year Built: 2018
Association YN: Yes
Association Fee: 572
Association Fee Frequency: Annually
CDD Fee YN: No
New Construction YN: No
Garage Spaces: 2
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: Yes
Entry Level: Yes
Directions: Head south on FL-23 S, Take exit 37 toward Oakleaf Plantation Pkwy, Keep right at the fork, merge onto Oakleaf Plantation Pkwy, Turn left onto Charter Oaks Blvd, Destination on the right
List Price/SqFt: 187.85
Sold Price/SqFt: 187.85

Property Features

Approx Parcel Size: Less than .25 Acre Architectural Style: Traditional Appliances: Dishwasher; Electric Water Heater; Microwave; Refrigerator Interior Features: Breakfast Bar; Eat-in Kitchen; Kitchen Island; Primary Bathroom -Tub with Separate Shower; Walk-In Closet(s) Flooring: Tile Laundry Features: Electric Dryer Hookup; Washer Hookup Utilities: Cable Available Cooling: Central Air Heating: Central; Electric Water Source: Public Sewer: Public Sewer Construction Materials: Stucco Patio And Porch Features: Porch Pool Features: None Roof: Shingle Parking Features: Additional Parking; Attached; Garage; Garage Door Opener Current Use: Residential Road Surface Type: Asphalt Possession: Negotiable Listing Terms: Cash; Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2022-02-10

Location Tax and Legal

Street Number: 708
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: 2023-11-17T09:07:03Z
Major Change Type: Price Reduced
Price Change Timestamp: 2022-04-28T13:14:52Z
Purchase Contract Date: 2022-05-06
Close Date: 2022-07-05
Close Price: 430000

DPR Eligible

DPR Eligible: No

More Information

Historical Information

Public Historical Remarks 1: Mandatory Fees: Y, Suburban Lot Location: Y
Public Historical Remarks 2: Covenants/Restrictions: Y, Dining-Living/Dining Combo: Y, Bath-Garden Bath: Y
Public Historical Remarks 3: Intermediate School: Other

Documents

HOA ›

Sellers Property Disclosure ›

Listing Office: PREFERRED REAL ESTATE BROKERS

Last Updated: February - 03 - 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.