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.

95 CLIFTON BAY LP, St. Johns, FL 32259 (MLS# 2158033)

95 CLIFTON BAY LP, St. Johns, FL 32259

$442,000

Property Type: Residential Bedrooms: 3 Baths: 3 Square Footage: 2,254 Status: Closed

Current Price: $442,000 List Date: 7/31/2026 Last Modified: 7/31/2026

Overview

Description

ENTERED FOR COMP PURPOSES ONLY

Listing Details MLS# 2158033

General Property Information

Bedrooms Total: 3
Bathrooms Full: 2
Bathrooms Half: Yes
Bathrooms Total: 3
Living Area: 2254
Living Area Source: Owner
Building Area Total: 2254
Year Built: 2018
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Association YN: Yes
Association Fee: 602.5
Association Fee Frequency: Quarterly
Association Fee 2: 335.48
Association Fee 2 Frequency: Monthly
CDD Fee YN: Yes
CDD Fee Amount: 3243
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: No
Waterfront YN: No
Furnished: Unfurnished
Stories: 3
Senior Community YN: No
Direction Faces: North
Directions: TURN OFF OF 210 LEFT AT THE FIRST STREET ON ALBANY BAY RIGHT ON CLIFTON BAY LOOP
Public Remarks: ENTERED FOR COMP PURPOSES ONLY
List Price/SqFt: 196.1
Sold Price/SqFt: 196.1

Property Features

Levels: Three Or More Rental Restrictions: 1 Year Appliances: Dishwasher; Disposal; Gas Range; Ice Maker; Microwave; Refrigerator; Tankless Water Heater Laundry Features: In Unit Utilities: Natural Gas Connected Cooling: Central Air Heating: Central Water Source: Public Sewer: Public Sewer Patio And Porch Features: Patio Roof: Metal Parking Features: Garage; Garage Door Opener Current Use: Residential Possession: Close Of Escrow Listing Terms: Conventional; FHA; VA Loan

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-07-16

Location Tax and Legal

Street Number: 95
Street Name: CLIFTON BAY LP
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: Beachwalk

Status Change Information

Major Change Timestamp: 2026-07-31T19:04:27Z
Major Change Type: Status Change
Purchase Contract Date: 2026-07-16
Close Date: 2026-07-17
Close Price: 442000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Last Updated: July - 31 - 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.