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.

74 SAPLING Terrace, St. Johns, FL 32259 (MLS# 2112011)

74 SAPLING Terrace, St. Johns, FL 32259

$834,000

Virtual Tour

https://www.insidemaps.com/app/walkthrough-v2/?projectId=FQJuCNTuFY&env=production

Property Type: Residential Bedrooms: 5 Baths: 5 Square Footage: 3,534 Lot Size (sq. ft.): 14,375 Status: Closed

Current Price: $834,000 List Date: 10/05/2025 Last Modified: 5/28/2026

Overview

Description

Unwind in the tranquility of The Homestead, an exclusive, gated, Toll Brothers neighborhood of Bartram Ranch. Coming Spring 2026, the stunning Mayport West Indies by Toll Brother is a two-story home featuring a secluded primary bedroom on the first floor, formal dining rm with butler pantry, large great rm with adjoining casual dining, gourmet kitchen complete with a large Island, coffee station, highlighted with a full compliment of Kitchen-Aid appliances including double oven. The first floor also includes a powder bath, guest suite with a full bath and courtyard 3 car garage. The spacious second floor includes a loft, three bedrooms & two full baths. Join the fun at the Trailhouse Amenity Center private clubhouse, pool, fitness center, dog park, playground, & multi-purpose field. Walk to top rated Hickory Elem. & Swiss Point Middle School and zoned for Bartram HS. A natural gas community located in the heart of NW St Johns. Call today to schedule your private tour!

Listing Details MLS# 2112011

General Property Information

Bedrooms Total: 5
Bathrooms Full: 4
Bathrooms Half: Yes
Bathrooms Total: 5
Living Area: 3534
Living Area Source: Plans
Year Built: 2025
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.33
Lot Size Dimensions: 83 x 136
Association YN: Yes
Association Fee: 195
Association Fee Frequency: Monthly
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2025-10-04
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: Yes
Stories: 2
Entry Level: Yes
Senior Community YN: No
Direction Faces: Northeast
Directions: From I-95 take exit 329 towards Green Cove Springs, head West on CR 210 which will turn into Greenbriar Rd. Bartram Ranch will be on your left before Swiss Pt Middle/Hickory Creek Elem. School
Public Remarks: Unwind in the tranquility of The Homestead, an exclusive, gated, Toll Brothers neighborhood of Bartram Ranch. Coming Spring 2026, the stunning Mayport West Indies by Toll Brother is a two-story home featuring a secluded primary bedroom on the first floor, formal dining rm with butler pantry, large great rm with adjoining casual dining, gourmet kitchen complete with a large Island, coffee station, highlighted with a full compliment of Kitchen-Aid appliances including double oven. The first floor also includes a powder bath, guest suite with a full bath and courtyard 3 car garage. The spacious second floor includes a loft, three bedrooms & two full baths. Join the fun at the Trailhouse Amenity Center private clubhouse, pool, fitness center, dog park, playground, & multi-purpose field. Walk to top rated Hickory Elem. & Swiss Point Middle School and zoned for Bartram HS. A natural gas community located in the heart of NW St Johns. Call today to schedule your private tour!
List Price/SqFt: 240.24
Sold Price/SqFt: 235.99

Property Features

Architectural Style: Contemporary Levels: Two Rental Restrictions: No Lease 1st Year Appliances: Convection Oven; Dishwasher; Disposal; Double Oven; Electric Oven; Gas Cooktop; Gas Water Heater; Plumbed For Ice Maker; Tankless Water Heater Interior Features: Butler Pantry; Eat-in Kitchen; Entrance Foyer; Guest Suite; Jack and Jill Bath; Kitchen Island; Primary Bathroom -Tub with Separate Shower; Primary Downstairs; Smart Thermostat; Walk-In Closet(s) Flooring: Carpet; Vinyl Laundry Features: Gas Dryer Hookup; Lower Level; Sink; Washer Hookup Utilities: Electricity Available; Electricity Connected; Natural Gas Connected; Sewer Connected; Water Connected Cooling: Central Air; Electric; Multi Units Heating: Electric; Heat Pump Water Source: Public Sewer: Public Sewer Smart Home Features: Programmable Thermostat Security Features: Carbon Monoxide Detector(s); Security Gate; Smoke Detector(s) Construction Materials: Fiber Cement; Frame Patio And Porch Features: Front Porch; Rear Porch Roof: Shingle Parking Features: Garage; Garage Door Opener Lot Features: Sprinklers In Front; Sprinklers In Rear View: Pond Waterfront Features: Pond Current Use: Residential; Single Family Association Amenities: Community Pool; Dog Park; Fitness Center; Gated; Maintenance Grounds; Management - Full Time Association Fee Includes: Maintenance Grounds Community Features: Curbs; Sidewalks; Street Lights Road Frontage Type: Private Road Possession: Close Of Escrow Listing Terms: Cash; Conventional; VA Loan