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.

958 MINERAL CREEK Drive, Jacksonville, FL 32225 (MLS# 2165029)

958 MINERAL CREEK Drive, Jacksonville, FL 32225

$466,500

Virtual Tour

https://my.matterport.com/show/?m=hp6MHmx4rMA&brand=0

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,292 Lot Size (sq. ft.): 6,316 Status: Active

Current Price: $466,500 List Date: 9/16/2026 Last Modified: 10/31/2026

Overview

Description

Welcome to Waterleaf, where this inviting two-story home offers a flexible floor plan, natural light, and a beautiful wood staircase at the entry. Fresh paint, new bedroom carpet, laminate flooring in the main living areas and primary bedroom, and a newer roof for peace of mind. Gather around the cozy living room fireplace, prepare meals in the kitchen with granite countertops, or enjoy a quiet evening on the screened lanai overlooking the fenced backyard. Upstairs, the primary suite features vaulted ceilings, a walk-in closet, and an en-suite bath with dual sinks, a soaking tub, and walk-in shower. A downstairs bedroom and full bath are perfect for guests, while the upstairs loft offers room for a second living space. A short walk to Waterleaf's amenities, including a pool, kids' splash pad, playground, and basketball courts. With community ponds, walking paths, and wooded preserves nearby, you'll enjoy a neighborhood that feels tucked away yet centrally located in Jacksonville!

Listing Details MLS# 2165029

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2292
Living Area Source: Public Records
Year Built: 2004
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.145
Association YN: Yes
Association Fee: 424
Association Fee Frequency: Semi-Annually
Association Name: River Lane Management
Association Phone: 904-642-7547
CDD Fee YN: No
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: 2
Entry Level: Yes
Senior Community YN: No
Directions: Take Kernan Blvd. north and turn left on Waterleaf Blvd. Make 2nd right onto Mineral Creek Drive. House is on the left.
Public Remarks: Welcome to Waterleaf, where this inviting two-story home offers a flexible floor plan, natural light, and a beautiful wood staircase at the entry. Fresh paint, new bedroom carpet, laminate flooring in the main living areas and primary bedroom, and a newer roof for peace of mind. Gather around the cozy living room fireplace, prepare meals in the kitchen with granite countertops, or enjoy a quiet evening on the screened lanai overlooking the fenced backyard. Upstairs, the primary suite features vaulted ceilings, a walk-in closet, and an en-suite bath with dual sinks, a soaking tub, and walk-in shower. A downstairs bedroom and full bath are perfect for guests, while the upstairs loft offers room for a second living space. A short walk to Waterleaf's amenities, including a pool, kids' splash pad, playground, and basketball courts. With community ponds, walking paths, and wooded preserves nearby, you'll enjoy a neighborhood that feels tucked away yet centrally located in Jacksonville!
List Price/SqFt: 203.53

Property Features

Architectural Style: Traditional Levels: Two Property Condition: Updated/Remodeled Appliances: Dishwasher; Disposal; Electric Oven; Electric Range; Microwave; Refrigerator Fireplace Features: Electric Interior Features: Ceiling Fan(s); Eat-in Kitchen; Kitchen Island; Pantry; Primary Bathroom -Tub with Separate Shower; Vaulted Ceiling(s); Walk-In Closet(s) Flooring: Carpet; Laminate; Tile Laundry Features: Electric Dryer Hookup; In Unit; Lower Level; Washer Hookup Utilities: Cable Available; Electricity Connected; Sewer Connected; Water Connected Cooling: Central Air; Electric Heating: Central; Electric Water Source: Public Sewer: Public Sewer Smart Home Features: Bulbs; Lighting; Locks Security Features: Smoke Detector(s) Construction Materials: Concrete; Frame; Stucco Patio And Porch Features: Covered; Front Porch; Rear Porch; Screened Roof: Shingle Parking Features: Attached; Garage; Garage Door Opener Lot Features: Sprinklers In Front; Sprinklers In Rear View: Other Fencing: Back Yard; Fenced; Vinyl Current Use: Residential; Single Family Association Amenities: Basketball Court; Children's Pool; Community Pool; Playground Association Fee Includes: Maintenance Grounds Community Features: Curbs; Sidewalks; Street Lights; Suburban Road Frontage Type: City Street Road Surface Type: Concrete Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Room Types: Bathroom 2; Bathroom 3; Bedroom 2; Bedroom 3; Bedroom 4; Dining Room; Kitchen; Laundry; Living Room; Loft; Primary Bathroom; Primary Bedroom

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-09-16

Location Tax and Legal

Street Number: 958
Street Name: MINERAL CREEK
Street Suffix: Drive
County: Duval
State: FL
Postal Code: 32225
MLS Area Major: 042-Ft Caroline
Subdivision Name: Waterleaf

Status Change Information

Major Change Timestamp: 2026-10-31T02:03:07Z
Major Change Type: Price Reduced
Price Change Timestamp: 2026-10-31T02:03:07Z

Fireplace Features

Fireplaces Total: Yes

More Information

DPR Eligible

DPR Eligible: Yes

Room Types

Bathroom 2 Level: Second
Bathroom 3 Level: First
Bedroom 2 Level: Second
Bedroom 3 Level: Second
Bedroom 4 Level: First
Dining Room Level: First
Kitchen Level: First
Laundry Level: First
Living Room Level: First
Loft Level: Second
Primary Bathroom Level: Second
Primary Bedroom Level: Second

Room Information

Room Name	Level	Length	Width	Remarks
Kitchen	First	13.83	18.60
Living Room	First	13.83	19.33
Dining Room	First	15.60	11.08
Primary Bedroom	Second	13.83	16.08
Primary Bathroom	Second	15.50	13.50
Bedroom 2	Second	10.17	11.17
Bedroom 3	Second	10.17	10.33
Bathroom 2	Second	10.92	6.17
Bedroom 4	First	11.08	12.67	Downstairs
Bathroom 3	First	5.42	8.92	Downstairs
Loft	Second	15.08	11.25
Laundry	First	12.83	6.58

Listing Office: KELLER WILLIAMS ST JOHNS

Last Updated: October - 31 - 2026

Information deemed reliable but not guaranteed.