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 STONE CREEK Circle, St. Johns, FL 32259 (MLS# 1198436)

94 STONE CREEK Circle, St. Johns, FL 32259

$735,000

Front Twilight Gemstone Holiday Lighting

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 3,366 Status: Closed

Current Price: $735,000 List Date: 11/21/2022 Last Modified: 8/12/2026

Overview

Description

Welcome Home to this BETTER THAN NEW 4 Bedroom, 3 Bathroom plus large Bonus/Media Room Home situated on a serene lake front lot in the gated community of Stone Creek! Heart of St. Johns County! A+ RATED SCHOOLS!! 3 car garage! Seller has spared no expense to upgrade this already exquisite home. Over $130k in upgrades including a new fenced in backyard, remote controlled retractable screens on back patio, New interior (SW Agreeable Gray) and Exterior paint, New landscaping, New outdoor/architectural gemstone lighting,

Supplements: New A/C system for the third bay garage and all New state of the art security and camera system. The most impressive upgrade is the jaw dropping floor to ceiling custom designed 62" Napoleon Vector gas fireplace finished with top quality quartz and stone. It's a show stopper!!! Also included is the New entertainment center which includes the TV ove ... (Read more)

Listing Details MLS# 1198436

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 3366
Living Area Source: Public Records
Year Built: 2016
Association YN: Yes
Association Fee: 312
Association Fee Frequency: Quarterly
CDD Fee YN: No
New Construction YN: No
Garage Spaces: 3
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: Yes
Stories: 2
Directions: FL-9B S to St Johns Pkwy exit; slight left onto St Johns Pkwy; right onto CR 210 W; right onto Stone Creek Cir; home will be on the right.
Public Remarks: Welcome Home to this BETTER THAN NEW 4 Bedroom, 3 Bathroom plus large Bonus/Media Room Home situated on a serene lake front lot in the gated community of Stone Creek! Heart of St. Johns County! A+ RATED SCHOOLS!! 3 car garage! Seller has spared no expense to upgrade this already exquisite home. Over $130k in upgrades including a new fenced in backyard, remote controlled retractable screens on back patio, New interior (SW Agreeable Gray) and Exterior paint, New landscaping, New outdoor/architectural gemstone lighting,
List Price/SqFt: 218.36
Sold Price/SqFt: 218.36

Property Features

Approx Parcel Size: .25 to .5 Acre Appliances: Dishwasher; Disposal; Electric Cooktop; Gas Water Heater; Microwave; Refrigerator Fireplace Features: Gas Interior Features: Breakfast Bar; Eat-in Kitchen; Entrance Foyer; In-Law Floorplan; Kitchen Island; Pantry; Primary Bathroom - Shower No Tub; Primary Downstairs; Split Bedrooms; Walk-In Closet(s) Flooring: Tile; Wood Laundry Features: Electric Dryer Hookup; Washer Hookup Utilities: Cable Available; Natural Gas Available Cooling: Central Air; Electric Heating: Central; Electric; Heat Pump Water Source: Public Sewer: Public Sewer Smart Home Features: Entertainment; Programmable Thermostat Green Energy Efficient: Doors; Windows Security Features: Security System Owned; Smoke Detector(s) Construction Materials: Frame; Stucco Patio And Porch Features: Covered; Patio; Porch; Screened Pool Features: None Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Sprinklers In Front; Sprinklers In Rear Waterfront Features: Pond Fencing: Back Yard; Other Current Use: Residential; Single Family Association Amenities: Trash 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: 2022-10-28

Location Tax and Legal

Street Number: 94
Street Name: STONE CREEK
Street Suffix: Circle
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: Stone Creek

Status Change Information

Major Change Timestamp: 2023-11-17T16:32:51Z
Major Change Type: Price Reduced
Price Change Timestamp: 2023-01-02T21:18:02Z
Purchase Contract Date: 2023-01-24
Close Date: 2023-03-03
Close Price: 735000

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: No

Historical Information

Public Historical Remarks 1: Utilities-Underground: Y, Storage Room: Y, Mandatory Fees: Y, Dining-Kitchen/Family Combo: Y, Interior Amenities-Window Treatment(s): Y, Interior aMENITIES-Prewired Audio: Y, Self Cleaning Oven: Y, Kitchen-Solid Surface Countertops: Y, Courtyard Entry Garage: Y, Aluminum Fencing: Y, Suburban Lot Location: Y
Public Historical Remarks 2: Smart Home Features: Nest Doorbell, Landscape Lighting: Y, Covenants/Restrictions: Y, Energy Features-Ceiling Fan(s): Y, Interior Amenities-Ceiling 8+ Ft.: Y, Interior Amenities-Sliding Glass Door(s): Y, Fireplace-Family Room: Y, Fireplace Mantle: Y, Tile Fireplace: Y, Structure Slab: Y
Public Historical Remarks 3: Intermediate School: Other

Room Information

Room Name
Family Room
Great Room
Office
Loft
Utility Room

Documents

HOA Addendum ›

Seller's Disclosure ›

Features & Upgrades ›

Listing Office: RE/MAX UNLIMITED

Last Updated: August - 12 - 2026

Information deemed reliable but not guaranteed.