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.

9945 ELEMENT Road, Jacksonville, FL 32256 (MLS# 2140290)

9945 ELEMENT Road, Jacksonville, FL 32256

$504,900

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,331 Status: Closed

Current Price: $504,900 List Date: 5/21/2026 Last Modified: 10/29/2026

Overview

Description

''Final opportunities in Kettering at eTown!'' Limited-Time 4.99% Fixed Rate Available! Qualified buyers may receive a 4.99% fixed rate on VA, FHA, or Conventional financing through Grace Home Lending. Set between two beautiful outlooks, this ready-now Acosta Villa offers a preserve view from the back and a pond view from the front in gated Kettering at eTown. With 4 bedrooms, 3 baths and 2,321 square feet, the layout gives you space where it matters without the upkeep of a large yard. The fenced backyard is maintained by the HOA, making it easy to spend more time enjoying home and less time working on it. Inside, a grand staircase makes a statement, while the gourmet kitchen and large windows complement the open living spaces. A main-floor bedroom and full bath create a private guest space. Upstairs, the Owner's Retreat, two additional spacious bedrooms and flexible retreat provide room to spread out, while the balcony gives you another spot to unwind.

Supplements: An oversized upstairs laundry room with built-in sink, folding counter and cabinet storage adds everyday function. Enjoy the community pool, fitness center, playgrounds, dog parks and golf cart-friendly paths at Recharge. Close to St. Johns Town Center, Durbin Pavilion, beaches, Mayo Clinic, and major highways. Schedule your tour today! "REPRESEN ... (Read more)

Listing Details MLS# 2140290

General Property Information

Bedrooms Total: 4
Bathrooms Full: 3
Bathrooms Total: 3
Living Area: 2331
Living Area Source: Plans
Year Built: 2026
Accessory Dwelling Unit Y/N: No
Homestead YN: No
Association YN: Yes
Association Fee: 240
Association Fee Frequency: Monthly
CDD Fee YN: Yes
CDD Fee Amount: 1680
Accessibility Features YN: No
New Construction YN: Yes
Estimated Completion Date: 2026-09-22
Garage YN: Yes
Garage Spaces: 2
Carport YN: No
Pool Private YN: No
Water Body Access YN: No
Waterfront YN: No
Stories: 2
Senior Community YN: No
Directions: From I-95 get o􀆯 at Baymeadows Exit & head East. Turn Right onto RJ Skinner Parkway. Continue straight into eTown. Make a right onto Kettering Crossing Drive. The Model is on the Right on Element Road.
Public Remarks: ''Final opportunities in Kettering at eTown!'' Limited-Time 4.99% Fixed Rate Available! Qualified buyers may receive a 4.99% fixed rate on VA, FHA, or Conventional financing through Grace Home Lending. Set between two beautiful outlooks, this ready-now Acosta Villa offers a preserve view from the back and a pond view from the front in gated Kettering at eTown. With 4 bedrooms, 3 baths and 2,321 square feet, the layout gives you space where it matters without the upkeep of a large yard. The fenced backyard is maintained by the HOA, making it easy to spend more time enjoying home and less time working on it. Inside, a grand staircase makes a statement, while the gourmet kitchen and large windows complement the open living spaces. A main-floor bedroom and full bath create a private guest space. Upstairs, the Owner's Retreat, two additional spacious bedrooms and flexible retreat provide room to spread out, while the balcony gives you another spot to unwind.
List Price/SqFt: 216.6
Sold Price/SqFt: 216.6

Property Features

Architectural Style: Traditional; Villa Levels: Two Property Condition: To Be Built Appliances: Convection Oven; Dishwasher; Disposal; Gas Cooktop; Microwave; Tankless Water Heater Interior Features: Kitchen Island; Open Floorplan; Pantry; Primary Bathroom - Shower No Tub; Walk-In Closet(s) Flooring: Tile; Vinyl Laundry Features: Electric Dryer Hookup; Gas Dryer Hookup; In Unit; Sink; Upper Level; Washer Hookup Utilities: Cable Available; Electricity Connected; Natural Gas Connected; Sewer Connected; Water Connected Cooling: Central Air Heating: Central; Electric Electric: 150 Amp Service Water Source: Public Sewer: Public Sewer Smart Home Features: Oven Green Building Verification Type: HERS Index Score Security Features: Carbon Monoxide Detector(s); Firewall(s); Security Gate; Smoke Detector(s) Construction Materials: Frame Exterior Features: Balcony Roof: Shingle Parking Features: Garage; Garage Door Opener; Gated Current Use: Residential Association Amenities: Community Pool; Dog Park; Fitness Center; Gated; Jogging Path; Maintenance Grounds; Park; Playground Association Fee Includes: Maintenance Grounds; Maintenance Structure; Pest Control Community Features: Gated; Sidewalks; Street Lights Road Frontage Type: County Road Road Surface Type: Asphalt Possession: Close Of Escrow Listing Terms: Cash; Conventional; FHA; VA Loan Room Types: Bedroom 2; Bedroom 3; Bedroom 4; Dining Room; Family Room; Kitchen; Loft; Primary Bedroom

Contract Information

Property Sub Type: Townhouse
Property Attached YN: Yes
Listing Contract Date: 2026-04-16

Location Tax and Legal

Street Number: 9945
Street Name: ELEMENT
Street Suffix: Road
County: Duval
State: FL
Postal Code: 32256
MLS Area Major: 027-Intracoastal West-South Of Jt Butler Blvd
Subdivision Name: Kettering at eTown

Status Change Information

Major Change Timestamp: 2026-10-29T21:28:26Z
Major Change Type: Status Change
Price Change Timestamp: 2026-08-27T19:07:03Z
Purchase Contract Date: 2026-09-20
Close Date: 2026-10-29
Close Price: 504900

DPR Eligible

DPR Eligible: No

More Information

Room Types

Bedroom 2 Level: Second
Bedroom 3 Level: Second
Bedroom 4 Level: First
Dining Room Level: First
Family Room Level: First
Kitchen Level: First
Loft Level: Second
Primary Bedroom Level: Second

Room Information

Room Name	Level	Remarks
Kitchen	First	LVP
Dining Room	First	LVP
Family Room	First	LVP
Primary Bedroom	Second	LVP
Bedroom 2	Second	LVP
Bedroom 3	Second	LVP
Bedroom 4	First	LVP
Loft	Second	LVP

Listing Office: WEEKLEY HOMES REALTY

Last Updated: October - 29 - 2026

Information deemed reliable but not guaranteed.