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.

821 W CUMBERLAND Court, St. Johns, FL 32259 (MLS# 2140736)

821 W CUMBERLAND Court, St. Johns, FL 32259

$493,000

Virtual Tour

http://www.viewshoot.com/tour/MLS/821WestCumberlandCourt_StJohns_FL_32259_1691_449354.html

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,414 Lot Size (sq. ft.): 7,841 Status: Closed

Current Price: $493,000 List Date: 4/18/2026 Last Modified: 7/06/2026

Overview

Description

One of the lowest price per heated sq. foot homes in JCP! All brick, on a cul-de-sac, 4 bedrooms, 3 full baths. Magnificent water to preserve views across the entire back of the property, relax on your screened lanai and watch the deer roam. HVAC=1 YR, Roof=6 yrs. A formal living and dining area greets you as you enter, a large kitchen with middle prep island, stainless steel appliances, and loads of counter space make meal prep easy. A breakfast nook area provides ample seating space for a quick meal. The spacious family room boasts a gas fireplace, natural light, and art nook. The large master bedroom has a bay window which overlooks the lake, his and hers walk in closets, double sink vanity, separate shower and garden tub. The split bedroom arrangement is ideal for creating an office area or guest room. Residents of JCP enjoy resort style living, with multiple pools, club houses, tennis and basketball courts, sports fields, fitness center, walking trails, playground

Listing Details MLS# 2140736

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2414
Living Area Source: Assessor
Year Built: 2000
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.18
Association YN: Yes
Association Fee: 580
Association Fee Frequency: Annually
Association Name: Julington Creek Plantation
CDD Fee YN: Yes
CDD Fee Amount: 1486.18
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: Yes
Waterfront YN: Yes
Furnished: Unfurnished
Stories: Yes
Senior Community YN: No
Directions: I295 S, (SR 13, ), cross Julington Creek Bridge, ( L) Racetrack Rd, , (R) 2nd Durbin Creek, (R) Afton Ln into Silver Creek (L) Crooked Ct, (R) Buckboard, (R) Tupelo (L) Cumberland Ct. W. Home on Left.
Public Remarks: One of the lowest price per heated sq. foot homes in JCP! All brick, on a cul-de-sac, 4 bedrooms, 3 full baths. Magnificent water to preserve views across the entire back of the property, relax on your screened lanai and watch the deer roam. HVAC=1 YR, Roof=6 yrs. A formal living and dining area greets you as you enter, a large kitchen with middle prep island, stainless steel appliances, and loads of counter space make meal prep easy. A breakfast nook area provides ample seating space for a quick meal. The spacious family room boasts a gas fireplace, natural light, and art nook. The large master bedroom has a bay window which overlooks the lake, his and hers walk in closets, double sink vanity, separate shower and garden tub. The split bedroom arrangement is ideal for creating an office area or guest room. Residents of JCP enjoy resort style living, with multiple pools, club houses, tennis and basketball courts, sports fields, fitness center, walking trails, playground
List Price/SqFt: 206.71
Sold Price/SqFt: 204.23

Property Features

Architectural Style: Ranch Levels: One Appliances: Dishwasher; Electric Oven; Microwave; Refrigerator Fireplace Features: Gas Interior Features: Breakfast Nook; His and Hers Closets; Kitchen Island; Open Floorplan; Pantry; Primary Bathroom -Tub with Separate Shower Flooring: Carpet; Laminate Laundry Features: Electric Dryer Hookup; Sink; Washer Hookup Utilities: Electricity Connected; Water Available Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Construction Materials: Brick Patio And Porch Features: Porch; Screened Roof: Shingle Parking Features: Attached; Garage Lot Features: Cul-De-Sac View: Lake; Protected Preserve Water Body Access Type: Community Waterfront Features: Lake Front Fencing: Back Yard; Fenced; Vinyl; Wood; Wrought Iron Current Use: Residential; Single Family Association Amenities: Basketball Court; Children's Pool; Clubhouse; Community Pool; Fitness Center; Golf Course; Jogging Path; Park; Playground; Tennis Court(s) Community Features: Sidewalks; Street Lights Road Frontage Type: City Street Road Surface Type: Paved Possession: Close Of Escrow Listing Terms: Cash; FHA; VA Loan Contingency Reason: Appraisal; Financing; Inspection