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.

94 RIPPLE Road, St. Johns, FL 32095 (MLS# 2093224)

94 RIPPLE Road, St. Johns, FL 32095

$455,000

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,190 Lot Size (sq. ft.): 5,663 Status: Closed

Current Price: $455,000 List Date: 8/07/2025 Last Modified: 7/21/2026

Overview

Description

BRAND NEW CONSTRUCTION! **Preferred lender offer 5.99% FIXED rate + $10,000 in flex cash to buyers!** This Dream Finders new construction home is ready for you in the highly sought-after Beacon Lake community! The Stockton 2 floor plan features an open layout with abundant natural light, a modern kitchen with granite countertops, stainless steel appliances, and a spacious living area perfect for entertaining. The primary suite on the main level offers a walk-in closet and tiled shower with glass enclosure. Beacon Lake offers resort-style amenities, top-rated schools, and a convenient location.

Listing Details MLS# 2093224

General Property Information

Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2190
Living Area Source: Public Records
Year Built: 2025
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Lot Size Acres: 0.13
Association YN: Yes
Association Fee: 860
Association Fee Frequency: Annually
CDD Fee YN: Yes
CDD Fee Amount: 2673
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2025-07-15
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: Yes
Senior Community YN: No
Directions: From I-95 South: Exit 329 for CR 210--Turn Left (east) onto CR 210--Travel approx 1.5 miles, turn right into Beacon Lake subdivision
Public Remarks: BRAND NEW CONSTRUCTION! **Preferred lender offer 5.99% FIXED rate + $10,000 in flex cash to buyers!** This Dream Finders new construction home is ready for you in the highly sought-after Beacon Lake community! The Stockton 2 floor plan features an open layout with abundant natural light, a modern kitchen with granite countertops, stainless steel appliances, and a spacious living area perfect for entertaining. The primary suite on the main level offers a walk-in closet and tiled shower with glass enclosure. Beacon Lake offers resort-style amenities, top-rated schools, and a convenient location.
List Price/SqFt: 237.44
Sold Price/SqFt: 207.76

Property Features

Appliances: Electric Cooktop Utilities: Cable Available Cooling: Central Air Heating: Central Water Source: Public Parking Features: Garage Current Use: Residential 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: 2025-06-13

Location Tax and Legal

Street Number: 94
Street Name: RIPPLE
Street Suffix: Road
County: St. Johns
State: FL
Postal Code: 32095
MLS Area Major: 304- 210 South
Subdivision Name: Beacon Lake

Status Change Information

Major Change Timestamp: 2025-12-05T20:35:57Z
Major Change Type: Status Change
Price Change Timestamp: 2025-10-04T10:38:27Z
Purchase Contract Date: 2025-10-24
Close Date: 2025-11-28
Close Price: 455000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: HERRON REAL ESTATE LLC

Last Updated: July - 21 - 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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