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.

92 WATERFRONT Drive, St. Johns, FL 32259 (MLS# 2048132)

92 WATERFRONT Drive, St. Johns, FL 32259

$595,000

Virtual Tour

https://www.zillow.com/view-3d-home/26cd393d-f6b6-4a10-9783-c2d8ce5e1420?setAttribution=mls&wl=true&utm_source=dashboard

all_floors_92_waterfront_drive_saint_joh

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,619 Lot Size (sq. ft.): 9,148 Status: Closed

Current Price: $595,000 List Date: 9/19/2024 Last Modified: 4/17/2026

Overview

Description

This meticulously maintained home on a large is ready for new owners! Enjoy sunsets from the front porch overlooking the central pond in the heart of Rivertown. Walking into the home, take note of the attention to detail and design from the dining room, drop zone closet, an open-concept kitchen that seamlessly flows into the main living space. The kitchen features stainless steel appliances with a custom crafted extended area with storage cabinets, pull out drawers and wine cooler. The floor plan feels spacious and functional with the primary suite, located on the main level, offering privacy and convenience. Upstairs are 2 additional bedrooms, full bathroom, laundry and a large bonus loft to be used as an office, media room or playroom. A fully fenced in yard with an extended paver patio, pull down sunshades and a gas fire pit make this perfect for entertaining. The 3 car garage boasts expansive shelving for storage and a new roof installed 2023.

Supplements: Lender Incentive offered with Kayla Sharp at ATM Lending.

Listing Details MLS# 2048132

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2619
Living Area Source: Appraiser
Year Built: 2014
Lot Size Acres: 0.21
Association YN: Yes
Association Fee: 55
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 3059.05
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: 2
Senior Community YN: No
Directions: Head South State Rd 13, at traffic circle, take the 2nd exit for Rivertown Blvd. Right onto Kendall Crossing, Left onto Riverwalk, Left onto Orange Branch Trail, Left onto Waterfront Dr.
Public Remarks: This meticulously maintained home on a large is ready for new owners! Enjoy sunsets from the front porch overlooking the central pond in the heart of Rivertown. Walking into the home, take note of the attention to detail and design from the dining room, drop zone closet, an open-concept kitchen that seamlessly flows into the main living space. The kitchen features stainless steel appliances with a custom crafted extended area with storage cabinets, pull out drawers and wine cooler. The floor plan feels spacious and functional with the primary suite, located on the main level, offering privacy and convenience. Upstairs are 2 additional bedrooms, full bathroom, laundry and a large bonus loft to be used as an office, media room or playroom. A fully fenced in yard with an extended paver patio, pull down sunshades and a gas fire pit make this perfect for entertaining. The 3 car garage boasts expansive shelving for storage and a new roof installed 2023.
List Price/SqFt: 236.73
Sold Price/SqFt: 227.19

Property Features

Appliances: Dishwasher; Double Oven; Gas Cooktop; Gas Water Heater; Microwave; Refrigerator Interior Features: Kitchen Island; Pantry; Primary Downstairs Flooring: Carpet; Tile; Vinyl Laundry Features: Lower Level; Upper Level Utilities: Natural Gas Connected Cooling: Electric Heating: Central Water Source: Public Sewer: Public Sewer Patio And Porch Features: Covered; Patio Roof: Shingle Parking Features: Garage Fencing: Full; Vinyl Current Use: Single Family Association Amenities: Basketball Court; Children's Pool; Clubhouse; Community Pool; Dog Park; Fitness Center; Jogging Path; Park; Playground Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Contingency Reason: Financing; First Right Of Refusal; Inspection

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2024-09-19

Location Tax and Legal

Street Number: 92
Street Name: WATERFRONT
Street Suffix: Drive
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 302-Orangedale Area
Subdivision Name: Rivertown

Status Change Information

Major Change Timestamp: 2025-06-01T14:46:26Z
Major Change Type: Status Change
Price Change Timestamp: 2025-04-03T13:46:52Z
Purchase Contract Date: 2025-04-23
Close Date: 2025-05-30
Close Price: 595000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: ROUND TABLE REALTY

Last Updated: April - 17 - 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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