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.

97 WHITE HORSE Way, St. Johns, FL 32259 (MLS# 2146740)

97 WHITE HORSE Way, St. Johns, FL 32259

$840,000

Property Type: Residential Bedrooms: 5 Baths: 3 Square Footage: 3,214 Lot Size (sq. ft.): 10,890 Status: Closed

Current Price: $840,000 List Date: 5/28/2026 Last Modified: 7/15/2026

Overview

Description

Located in the highly sought after gated community of Oxford Estates in St. Johns County with no CDD fees and zoned for top rated schools, this beautifully designed pool home offers the perfect blend of luxury, function, and everyday living. Featuring 5 bedrooms, 3 bathrooms, a private office, flex room, and 3 car garage, the home showcases exceptional craftsmanship throughout with LVP flooring, custom molding and trim work, wood beams, designer barn doors, and elevated finishes at every turn. The chef's kitchen features quartz countertops, double ovens, gas cooktop, oversized island, custom pantry, and abundant cabinetry overlooking the spacious living and dining areas. The primary suite offers tray ceilings, a spa inspired super shower, and oversized custom walk in closet. Additional features include a customized laundry room, mudroom, Jack and Jill bedrooms, tankless water heater, water softener, and permanent eave lighting.

Supplements: Step outside to your private backyard retreat with a saltwater pool designed for relaxing and entertaining. Conveniently located near shopping, dining, and everything St. Johns County has to offer.

Listing Details MLS# 2146740

General Property Information

Bedrooms Total: 5
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 3214
Living Area Source: Assessor
Year Built: 2022
Accessory Dwelling Unit Y/N: No
Homestead YN: Yes
Lot Size Acres: 0.25
Association YN: Yes
Association Fee: 1250
Association Fee Frequency: Annually
CDD Fee YN: No
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: Yes
Water Body Access YN: No
Waterfront YN: No
Furnished: Unfurnished
Stories: Yes
Entry Level: Yes
Senior Community YN: No
Directions: From SR 13: Take Roberts Rd west, left on Longleaf Pine Pkwy, right into Oxford Estates, right Blackwell, home will be on left ar corner of Blackwell and White horse way.
Public Remarks: Located in the highly sought after gated community of Oxford Estates in St. Johns County with no CDD fees and zoned for top rated schools, this beautifully designed pool home offers the perfect blend of luxury, function, and everyday living. Featuring 5 bedrooms, 3 bathrooms, a private office, flex room, and 3 car garage, the home showcases exceptional craftsmanship throughout with LVP flooring, custom molding and trim work, wood beams, designer barn doors, and elevated finishes at every turn. The chef's kitchen features quartz countertops, double ovens, gas cooktop, oversized island, custom pantry, and abundant cabinetry overlooking the spacious living and dining areas. The primary suite offers tray ceilings, a spa inspired super shower, and oversized custom walk in closet. Additional features include a customized laundry room, mudroom, Jack and Jill bedrooms, tankless water heater, water softener, and permanent eave lighting.
List Price/SqFt: 264.47
Sold Price/SqFt: 261.36

Property Features

Architectural Style: Contemporary Levels: One Appliances: Dishwasher; Disposal; Double Oven; Dryer; Gas Cooktop; Gas Water Heater; Microwave; Refrigerator; Tankless Water Heater; Washer; Water Softener Owned Interior Features: Breakfast Bar; Breakfast Nook; Ceiling Fan(s); Eat-in Kitchen; Entrance Foyer; Kitchen Island; Pantry; Primary Bathroom - Shower No Tub; Split Bedrooms Flooring: Luxury Vinyl Utilities: Cable Available Cooling: Central Air Heating: Central Water Source: Public Security Features: Security Gate Construction Materials: Fiber Cement Patio And Porch Features: Covered Pool Features: In Ground; Pool Sweep; Salt Water Roof: Shingle Parking Features: Attached; Garage Lot Features: Corner Lot View: Pool Fencing: Back Yard Current Use: Residential; Single Family Association Amenities: Community Pool; Gated Association Fee Includes: Security Community Features: Gated; Sidewalks; Street Lights Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Contingency Reason: Appraisal; Financing

Contract Information

Property Sub Type: Single Family Residence
Property Attached YN: No
Listing Contract Date: 2026-05-22

Location Tax and Legal

Street Number: 97
Street Name: WHITE HORSE
Street Suffix: Way
County: St. Johns
State: FL
Postal Code: 32259
MLS Area Major: 301-Julington Creek/Switzerland
Subdivision Name: Oxford Estates

Status Change Information

Major Change Timestamp: 2026-07-15T21:49:18Z
Major Change Type: Status Change
Purchase Contract Date: 2026-07-07
Close Date: 2026-07-10
Close Price: 840000

DPR Eligible

DPR Eligible: No

More Information

Listing Office: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Last Updated: July - 15 - 2026

Information deemed reliable but not guaranteed.