5316 Robert Scott Dr S · Jacksonville, FL 32207

$199,900

3 bd · 2.0 ba · 1,389 sqft · SingleFamily public records · 12 Days on market

Built 1965 7,405 sqft lot Est $265k · 25% under

---

Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +12.4/30.0
• Livability +4.2/5.0
• 1% rule +4.1/10.0
• Schools +3.9/10.0
• DSCR +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great starter home or investment opportunity! Bring your buyers! This will not last! **Financed offers REQUIRE Bank of America pre-qual. Cash offers require proof of funds. SELLER MAKES NO REPRESENTATIONS OR WARRANTIES WHATSOEVER AS TO THE CONDITION OF THE PROPERTY OR PRESENCE OF DEFECTS THEREIN, LATENT OR OTHERWISE

Key facts

• 7,405 sq ft lot
• Garage
• Built 1965

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-35 ($-415/yr) — negative.
• To cash-flow at today's rent, offer at most $194k (3.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $182k (9.0% below list).
• Recommended offer: $182k (9.0% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.9% in Jacksonville — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 83/100 on livability (#50 in FL, #911 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+.
• Duval (urban): math 46% / reading 45% proficiency, ranked #48 of 73 in FL (top 66%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Love Grove Elementary School (math 37% / reading 32%, grade F, #1,709 of 2,144 statewide, top 81%, 381 students, 54% FRL); Southside Middle School (math 24% / reading 22%, grade F, #542 of 571 statewide, top 95%, 844 students, 57% FRL); Englewood High School (math 21% / reading 21%, grade F, #551 of 667 statewide, top 83%, 1,741 students, 58% FRL).
• Zoned-school proficiency averages 26% at this address vs 46% district-wide (-19 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.2%/yr); 226 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 33% of the median local income ($65k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 22y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $68k; list at $200k implies a 196% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $181,931 (9.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.91% ✗
• Cap rate: 6.09%
• Cash-on-cash: -0.74%
• DSCR: 0.97
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $265,299
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5316 Robert Scott Dr S	0.00mi	4/2.0 (+1)	1,389 (0%)	1mo	$181,150	$130	94
4706 Silver Ridge Dr	0.30mi	4/2.0 (+1)	1,444 (+4%)	2mo	$230,000	$159	73
5534 Fargo Dr N	0.54mi	3/2.0	1,450 (+4%)	1mo	$360,000	$248	67
4429 Begbie Dr	0.66mi	3/1.5	1,400 (+1%)	1mo	$267,653	$191	65
5134 Damascus Rd S	0.27mi	3/2.0	1,199 (-14%)	3mo	$259,900	$217	62
4145 Springwood Rd	0.44mi	3/2.0	1,554 (+12%)	3mo	$285,000	$183	57
4955 Spring Glen Rd	0.45mi	3/1.0	1,242 (-11%)	2mo	$235,000	$189	56
2030 Gibson Rd	0.73mi	3/1.0	1,304 (-6%)	5mo	$220,000	$169	48
6104 Vasari Dr	0.71mi	3/2.0	1,222 (-12%)	1mo	$290,000	$237	46
4440 Begbie Dr	0.66mi	3/1.5	1,538 (+11%)	4mo	$212,000	$138	46
3321 Galilee Rd	0.73mi	3/2.0	1,222 (-12%)	5mo	$268,500	$220	42
4450 Revelstoke Dr	0.72mi	3/2.0	1,592 (+15%)	2mo	$320,000	$201	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -21.1%
• Equity multiple: 0.29×
• Total profit: $-39,843
• Equity at exit: $29,806

10-year hold

• IRR: -24.5%
• Equity multiple: -0.03×
• Total profit: $-57,799
• Equity at exit: $17,284

Cash invested: $55,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32207

• Rents YoY: -0.2%
• Active inventory: 226
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,819 high
• Mortgage (P&I): −$1,048
• Tax from tax record: −$340 /mo · $4,083/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$382
• Net cashflow: $-35

Break-even live

Break-even rent $1,863

Max offer price $193,791

Occupancy floor 97%

Sensitivity live

Price	-10% $79	-5% $22	+0% $-35	+5% $-91	+10% $-148
Rent	-10% $-178	-5% $-106	+0% $-35	+5% $37	+10% $109
Rate	-1.0pp $66	-0.5pp $16	base $-35	+0.5pp $-86	+1.0pp $-139

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5410 Manfields Pl Jacksonville, FL	2.0	2.0	1802	$1,900	$1.05	18d	1	0.11mi
5415 Lori Dr S Jacksonville, FL	4.0	2.5	1633	$2,500	$1.53	4d	1	0.41mi
2146 Antilles Ct Jacksonville, FL	4.0	2.0	1848	$2,250	$1.22	25d	1	0.69mi
4432 Vinton Rd Jacksonville, FL	3.0	2.0	1215	$1,496	$1.23	5d	1	0.72mi
3000 Coronet Ln Jacksonville, FL	1.0–3.0	1.0–2.0	1017	$1,709	$1.68	25d	5	0.75mi
5252 Santa Monica Blvd N Jacksonville, FL	4.0	2.0	1350	$2,100	$1.56	23d	1	0.79mi
4044 Hunter Cir Jacksonville, FL	3.0	1.0	1180	$1,700	$1.44	6d	1	0.85mi
2600 Art Museum Dr Jacksonville, FL	1.0–2.0	1.0	790	$1,371	$1.74	4d	14	0.89mi
4775 Barnes Rd Jacksonville, FL	3.0	2.0	1409	$1,650	$1.17	15d	1	0.91mi
5800 University Blvd W Jacksonville, FL	3.0	1.0–2.0	857	$1,750	$2.04	25d	36	1.04mi
2943 Spring Park Rd Unit 707 Jacksonville, FL	2.0	1.0	950	$1,195	$1.26	25d	1	1.05mi
2943 Spring Park Rd Jacksonville, FL	2.0–3.0	1.0	1025	$1,395	$1.36	15d	11	1.05mi
5800 Barnes Rd S Jacksonville, FL	1.0–2.0	1.0–2.5	875	$1,399	$1.60	3d	14	1.14mi
1933 Dean Rd Jacksonville, FL	4.0	2.5	1539	$1,776	$1.15	25d	1	1.15mi
2839 Spring Park Rd Jacksonville, FL	4.0	2.0	1418	$1,675	$1.18	25d	1	1.17mi
2441 University Blvd S Jacksonville, FL	3.0	2.0	1558	$2,100	$1.35	23d	1	1.19mi
1913 Art Museum Dr Jacksonville, FL	1.0–2.0	1.0–2.0	1000	$1,315	$1.31	25d	2	1.21mi
3312 Seville St W Jacksonville, FL	2.0	1.0	1320	$1,397	$1.06	16d	1	1.26mi
2406 Lamee Ave Jacksonville, FL	2.0	1.0	1124	$1,395	$1.24	15d	1	1.26mi
2704 Spring Park Rd Jacksonville, FL	3.0	2.0	1424	$1,700	$1.19	6d	1	1.28mi
2525 Dean Rd Jacksonville, FL	3.0	1.0	1424	$1,850	$1.30	25d	1	1.29mi
4296 Gilbert St Jacksonville, FL	3.0	2.5	1201	$1,798	$1.50	12d	1	1.31mi
3390 Stillman St Jacksonville, FL	3.0	1.0	1025	$1,350	$1.32	25d	1	1.35mi
1706 Art Museum Dr Jacksonville, FL	1.0–2.0	1.0	900	$1,400	$1.56	6d	4	1.39mi
2815 Robert St Jacksonville, FL	3.0	2.0	1200	$1,723	$1.44	3d	1	1.46mi
2441 Spring Park Rd Jacksonville, FL	1.0–2.0	1.0–2.0	950	$1,200	$1.26	25d	1	1.48mi
3460 Beach Blvd Jacksonville, FL	1.0–3.0	1.0–3.0	1061	$2,299	$2.17	3d	56	1.49mi

Listing history 10 events

1. 2026-04-16
   status Pending
2. 2026-04-14
   historical Active Under Contract
3. 2026-04-04
   listed $199,900 Active
4. 2012-07-11
   historical 318-char remark

   Show marketing remark (318 chars)

   Great starter home or investment opportunity! Bring your buyers! This will not last! **Financed offers REQUIRE Bank of America pre-qual. Cash offers require proof of funds. SELLER MAKES NO REPRESENTATIONS OR WARRANTIES WHATSOEVER AS TO THE CONDITION OF THE PROPERTY OR PRESENCE OF DEFECTS THEREIN, LATENT OR OTHERWISE

5. 2012-06-08
   soldstatus $67,500 318-char remark

   Show marketing remark (318 chars)

   Great starter home or investment opportunity! Bring your buyers! This will not last! **Financed offers REQUIRE Bank of America pre-qual. Cash offers require proof of funds. SELLER MAKES NO REPRESENTATIONS OR WARRANTIES WHATSOEVER AS TO THE CONDITION OF THE PROPERTY OR PRESENCE OF DEFECTS THEREIN, LATENT OR OTHERWISE

6. 2012-04-29
   listed $65,000 318-char remark

   Show marketing remark (318 chars)

   Great starter home or investment opportunity! Bring your buyers! This will not last! **Financed offers REQUIRE Bank of America pre-qual. Cash offers require proof of funds. SELLER MAKES NO REPRESENTATIONS OR WARRANTIES WHATSOEVER AS TO THE CONDITION OF THE PROPERTY OR PRESENCE OF DEFECTS THEREIN, LATENT OR OTHERWISE

7. 2004-05-21
   soldstatus $130,000
8. 2004-04-12
   historical 364-char remark

   Show marketing remark (364 chars)

   Bring your pickest buyers, this one owner home has been lovely maintained to perfection. This home has a large glassed-in rear porch that is also heated and cooled, but is not included in the overall sq. footage. It is rare to see a home like this, and solid CB/brick construction makes this home a solid decision. All appliances convey including washer and dryer.

9. 2004-04-09
   soldstatus $130,000 364-char remark

   Show marketing remark (364 chars)

   Bring your pickest buyers, this one owner home has been lovely maintained to perfection. This home has a large glassed-in rear porch that is also heated and cooled, but is not included in the overall sq. footage. It is rare to see a home like this, and solid CB/brick construction makes this home a solid decision. All appliances convey including washer and dryer.

10. 2004-01-19
    listed $137,000 364-char remark

    Show marketing remark (364 chars)

    Bring your pickest buyers, this one owner home has been lovely maintained to perfection. This home has a large glassed-in rear porch that is also heated and cooled, but is not included in the overall sq. footage. It is rare to see a home like this, and solid CB/brick construction makes this home a solid decision. All appliances convey including washer and dryer.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $4,083 · $340/mo
• Projected year-2 tax: $4,083 · $340/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,832
• − Mortgage interest: −$11,198
• − Property taxes: −$4,083
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,747
• − Management: −$1,747
• − Depreciation: −$5,815
• Taxable loss: −$3,757
• Est. tax savings @ 24.0%: +$902
• After-tax cash flow: $487/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Duval
• NCES district ID: 1200480
• Math proficiency: 46% ▼ -11.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $48,987
• Composite: 38.97/100
• National rank: #4076
• State rank: #48 of 73 in FL

Livability — Jacksonville

• Score: 83/100
• State rank: #50
• US rank: #911

Category grades

Amenities A+ Commute A+ Cost of living A Crime C Employment C Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jacksonville, FL
• County: Duval County · 1,015,274 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 36,998
• Household income: $65,234
• Rent vs Own: 49.4% rent · 50.6% own
• Severe rent burden: 1730.0

Population outlook (Duval County) Hauer SSP2

• Today (2025): 1,013,010 people
• By 2030: 1,059,228 · +4.6%
• By 2040: 1,141,439 · +12.7%
• By 2050: 1,205,258 · +19.0%
• By 2075: 1,324,282 · +30.7%
• By 2100: 1,319,620 · +30.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 56% Black 16% Hispanic / Latino 15% Asian 9% Two or more races 9%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 4%
• Common ancestry: Slovak 2% Italian 2% Serbian 1%
• Foreign-born: 17% · Canada, Philippines, China
• Languages at home: 76% English-only · Spanish 12% Other Asian/Pacific 5% Arabic 1%

Political lean MEDSL · Duval

• 2024 margin: Toss-up / Even · D 48.7% · R 50.1% · Other 1.2%
• 2008→2024 swing: +0.4pp no change · 2008: -1.9pp · 2024: -1.5pp
• All cycles: 2024: R+1.5 2020: D+3.8 2016: R+1.5 2012: R+3.6 2008: R+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -299.33%
• Current HPI: 310.9037
• Rent YoY: ▼ -0.20%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+45.9% since first listed

10 events — show timeline

• 2026-04-16 Pending — realMLS
• 2026-04-14 Contingent — realMLS
• 2026-04-04 Listed $199,900 realMLS
• 2012-07-11 Listing Removed — realMLS
• 2012-06-08 Sold (MLS) $67,500 realMLS
• 2012-04-29 Listed $65,000 realMLS
• 2004-05-21 Sold (Public Records) $130,000 Public Records
• 2004-04-12 Listing Removed — realMLS
• 2004-04-09 Sold (MLS) $130,000 realMLS
• 2004-01-19 Listed $137,000 realMLS

Property tax history

+7.9%/yr

Latest (2025): $4,083 · +11.7% YoY. Source: county tax records.