648 Yellow Oaks Ln · Oakleaf Plantation, FL 32065

$195,000

2 bd · 2.5 ba · 1,109 sqft · Townhouse public records · 7 Days on market

Built 2022 Good condition 1,306 sqft lot $176/sqft · 16% below area Est $232k · 16% under $194/mo HOA · 11% of rent ↓ 12% since listing

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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 +14.7/15.0
• Cash flow +8.7/30.0
• Schools +5.4/10.0
• 1% rule +4.0/10.0
• Condition / age +4.0/5.0
• Livability +3.5/5.0
• Rent growth +3.4/5.0
• DSCR +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Better value than nearby new construction with resort-style Oakleaf amenities included. Move-in ready 2022 townhome with upgraded kitchen, screened porch, dual en-suite bedrooms, and low maintenance living near Oakleaf Town Center and SR-23. Located in the desirable Towering Oaks subdivision within Oakleaf Plantation. This beautifully maintained 2-bedroom, 2.5-bath townhome features an open-concept layout designed for comfortable living and easy entertaining. The spacious bright white kitchen offers updated granite countertops, a large undermount stainless steel sink, stylish backsplash, an oversized island with bar seating, all overlooking the open family room. The entire downstairs features durable tile flooring and includes a convenient half bath. Step outside to enjoy the covered rear patio with an upgraded screened-in porch and door, creating the perfect space to relax year-round. Upstairs, both generously sized bedrooms feature private en-suite bathrooms, One has a tub/shower combo, the other one is a walk-in shower, offering ideal privacy and functionality. One of the bedrooms includes a spacious walk-through closet, and the conveniently located upstairs laundry closet adds everyday ease. Residents of Oakleaf enjoy access to two amenity centers featuring resort-style pools, fitness centers, pickleball courts, dog parks, playgrounds, clubhouse access, basketball courts, and barbecue areas, along with great biking paths. And Eagle Landing Golf Club is just minutes down the road. Conveniently located with easy access to SR-23, US-17, and Orange Park Town Center, this home is just minutes from shopping, dining, medical facilities, and top-rated schools. Plus, enjoy being just a short drive from Jacksonville area beaches while still enjoying low-maintenance living in one of Oakleaf's most desirable communities.

Key facts

• Big island
• Private bath
• Screened porch

Tags

• SCREENED PORCH
• GRANITE COUNTERS
• STONE MOSAIC BACKSPLASH
• BIG ISLAND
• PRIVATE BATH
• ASSIGNED PARKING SPOT

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath townhouse listed at $195k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-164 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $166k (14.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $175k (10.0% below list).
• Recommended offer: $166k (14.8% below list) — sets the bar for cash-flow.
• Cap rate 5.3% vs local median 4.0% in Oakleaf Plantation — 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 70/100 on livability (#446 in FL) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: amenities F, commute F, health & safety F.
• Clay (suburban): math 58% / reading 59% proficiency, ranked #14 of 73 in FL (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Plantation Oaks Elementary School (math 60% / reading 61%, grade B-, #664 of 2,144 statewide, top 32%, 938 students, 48% FRL); Oakleaf Junior High (math 50% / reading 54%, grade C+, #217 of 571 statewide, top 40%, 1,118 students, 46% FRL); Oakleaf High School (math 47% / reading 53%, grade D+, #175 of 667 statewide, top 27%, 2,371 students, 36% FRL).
• Market conditions: Rents rising (+3.7%/yr); 365 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 55d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 70% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 1,876 units permitted in Clay County in 2024 (14 in 5+ unit buildings).

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.
• Clay County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 5y 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.

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 $166,111 (14.8% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.90% ✗
• Cap rate: 5.29%
• Cash-on-cash: -3.59%
• DSCR: 0.84
• GRM: 9.3

CMA / ARV

• ARV (median comp): $232,103
• List price: $195,000
• Delta: -15.99%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
660 Yellow Oaks Ln	0.02mi	2/2.5	1,109 (0%)	15mo	$198,500	$179	86
575 Oakleaf Plantation Pkwy #103	0.37mi	2/2.5	1,110 (+0%)	1mo	$195,000	$176	82
575 Oakleaf Plantation Pkwy #1502	0.50mi	2/2.5	1,110 (+0%)	1mo	$185,000	$167	75
575 Oakleaf Plantation Pkwy #1803	0.46mi	2/2.5	1,110 (+0%)	5mo	$190,000	$171	75
575 Oakleaf Plantation Pkwy #916	0.54mi	2/2.0	1,150 (+4%)	1mo	$135,000	$117	66
575 Oakleaf Plantation Pkwy #1309	0.54mi	2/2.0	1,150 (+4%)	7mo	$145,000	$126	61
575 Oakleaf Plantation Pkwy #808	0.50mi	2/2.0	1,049 (-5%)	6mo	$149,000	$142	61
575 Oakleaf Plantation Pkwy #516	0.48mi	2/2.0	1,150 (+4%)	12mo	$153,000	$133	60
575 Oakleaf Plantation Pkwy #1301	0.55mi	2/2.0	1,049 (-5%)	6mo	$150,000	$143	58
575 E Oakleaf Plantation Pkwy #1208	0.56mi	2/2.0	1,049 (-5%)	6mo	$164,900	$157	58
575 Oakleaf Plantation Pkwy #1311	0.53mi	2/1.0	1,011 (-9%)	0mo	$138,000	$136	54
575 Oakleaf Plantation Pkwy #704	0.52mi	2/2.0	1,049 (-5%)	14mo	$162,750	$155	53

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 · 3.73% rent growth · sell at horizon

5-year hold

• IRR: -21.3%
• Equity multiple: 0.26×
• Total profit: $-40,565
• Equity at exit: $29,075

10-year hold

• IRR: -12.8%
• Equity multiple: 0.22×
• Total profit: $-42,717
• Equity at exit: $16,860

Cash invested: $54,600 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 11 active · 13 under contract
• Months of supply: 6.6 mo (15%/mo absorbed)
• Median asking: $192,000 ($167/sqft)
• Median days on market: 184 d
• This list price: 55% of active listings are priced below it
• ARV vs active asking: +25.3% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 32065

• Home prices YoY: -25.6%
• Rents YoY: 3.7%
• Active inventory: 365
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,755 high
• Mortgage (P&I): −$1,023
• Tax from tax record: −$252 /mo · $3,022/yr
• Insurance: −$81
• HOA: −$194
• Vacancy / Maint / Mgmt: −$368
• Net cashflow: $-164

Break-even live

Break-even rent $1,962

Max offer price $166,111

Occupancy floor —

Sensitivity live

Price	-10% $-53	-5% $-108	+0% $-164	+5% $-219	+10% $-274
Rent	-10% $-302	-5% $-233	+0% $-164	+5% $-94	+10% $-25
Rate	-1.0pp $-65	-0.5pp $-114	base $-164	+0.5pp $-214	+1.0pp $-265

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: $48,750
• Closing costs: $5,850
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3996 Village View Ln Orange Park, FL	2.0	2.0	918	$1,524	$1.66	145d	1	0.01mi
3972 Village View Ln Orange Park, FL	2.0	3.0	1109	$1,600	$1.44	126d	1	0.03mi
3972 Village View Ln Orange Park, FL	2.0	2.5	1109	$1,695	$1.53	164d	1	0.03mi
525 Big Tree Way Orange Park, FL	3.0	2.5	1335	$1,695	$1.27	10d	1	0.05mi
513 Spanish Oaks Way Orange Park, FL	2.0	2.5	1109	$1,600	$1.44	158d	1	0.06mi
3978 Oak Mill Rd Orange Park, FL	2.0	2.5	1109	$1,500	$1.35	112d	1	0.08mi
3978 Oak Mill Rd Orange Park, FL	2.0	2.5	1109	$1,450	$1.31	55d	1	0.08mi
3954 Oak Mill Rd Orange Park, FL	2.0	2.5	1109	$1,550	$1.40	10d	1	0.08mi
448 Running Woods St Unit 1 Orange Park, FL	3.0	2.5	1333	$1,850	$1.39	164d	1	0.08mi
492 Running Woods St Orange Park, FL	2.0	2.5	1109	$1,600	$1.44	35d	1	0.09mi
492 Running Woods St Unit 1 Orange Park, FL	2.0	2.0	1109	$1,600	$1.44	37d	1	0.09mi
508 Running Woods St Orange Park, FL	2.0	2.5	1107	$1,600	$1.45	10d	1	0.09mi
433 Running Woods St Orange Park, FL	3.0	2.5	1308	$1,795	$1.37	13d	1	0.10mi
433 Running Woods St Orange Park, FL	3.0	2.0	1302	$1,845	$1.42	43d	1	0.10mi
433 Running Woods St Orange Park, FL	3.0	2.5	1308	$1,795	$1.37	10d	1	0.10mi
607 Crystal Way Orange Park, FL	3.0	2.5	1440	$1,725	$1.20	145d	1	0.12mi
3945 Buckthorne Dr Unit A Orange Park, FL	3.0	2.5	1439	$1,695	$1.18	10d	1	0.13mi
3945 Buckthorne Dr Orange Park, FL	3.0	2.0	1439	$1,695	$1.18	40d	1	0.14mi
3945 Buckthorne Dr Orange Park, FL	3.0	2.0	1439	$1,695	$1.18	10d	1	0.14mi
3940 Ivory Xing Orange Park, FL	3.0	2.5	1440	$1,595	$1.11	55d	1	0.17mi
721 Crystal Way Orange Park, FL	3.0	2.5	1440	$1,800	$1.25	10d	1	0.17mi
625 Oakleaf Plantation Pkwy #1113 Orange Park, FL	3.0	2.5	1419	$2,000	$1.41	55d	1	0.29mi
625 Oakleaf Plantation Pkwy #1113 Orange Park, FL	3.0	2.5	1419	$2,000	$1.41	10d	1	0.29mi
785 Oakleaf Plantation Orange Park, FL	3.0	2.0	1421	$2,000	$1.41	114d	1	0.33mi
785 Oakleaf Plantation Pkwy #1824 Orange Park, FL	2.0	2.0	1339	$1,495	$1.12	133d	1	0.33mi
785 Oakleaf Plantation Pkwy Orange Park, FL	3.0–4.0	2.0	1593	$1,650	$1.04	55d	3	0.35mi
785 Oakleaf Plantation Pkwy Orange Park, FL	3.0–4.0	2.0	1593	$1,600	$1.00	28d	2	0.35mi
785 Oakleaf Plantation Pkwy Orange Park, FL	2.0–3.0	2.0	1430	$1,750	$1.22	164d	1	0.35mi
575 Oakleaf Plantation Pkwy Orange Park, FL	2.0	1.0–2.0	1080	$1,888	$1.75	103d	3	0.48mi
575 Oakleaf Plantation Pkwy Orange Park, FL	1.0–2.0	1.0–2.0	969	$2,300	$2.37	164d	6	0.48mi
575 Oakleaf Plantation Pkwy Orange Park, FL	1.0–2.0	1.0–2.5	1016	$2,300	$2.26	1d	5	0.48mi
575 Oakleaf Plantation Pkwy Orange Park, FL	1.0–2.0	1.0–2.0	1016	$2,300	$2.26	112d	3	0.48mi
575 Oakleaf Plantation Pkwy Orange Park, FL	1.0–2.0	1.0–2.0	1016	$2,300	$2.26	128d	5	0.48mi
575 Oakleaf Plantation Pkwy Orange Park, FL	1.0–2.0	1.0–2.0	1016	$2,300	$2.26	114d	3	0.48mi
575 Oakleaf Plantation Pkwy Orange Park, FL	1.0–2.0	1.0–2.0	1016	$2,300	$2.26	121d	5	0.48mi
550 Drysdale Dr Orange Park, FL	3.0	2.0	1264	$1,875	$1.48	55d	1	0.55mi
607 Reese Ave Orange Park, FL	3.0	2.5	1475	$1,800	$1.22	10d	1	0.93mi
3800 Pebble Brooke Cir Orange Park, FL	3.0	2.0	1353	$1,840	$1.36	114d	1	1.23mi
4123 Pebble Brooke Cir Orange Park, FL	3.0	2.0	1334	$2,045	$1.53	143d	1	1.26mi
4119 Pebble Brooke Cir Orange Park, FL	3.0	2.0	1349	$1,850	$1.37	107d	1	1.27mi

Property features AI

Finance

• HOA & community: Community amenities include a barbecue area, basketball court, children's pool, clubhouse, dog park, fitness center, jogging path, park, pickleball, playground, and tennis courtsSidewalksGrounds maintenance included

Exterior

• Parking: Assigned parkingGuest parking
• Utilities: Public sewerElectricity connectedWater connected
• Home design: TownhouseAttachedEntry on the first level
• Construction: Shingle roof
• Exterior features: Covered, screened patio

Interior

• Kitchen: DishwasherDisposalElectric rangeMicrowave
• Bedrooms: 2 bedrooms
• Flooring: CarpetTile
• Bathrooms: 2 full bathrooms1 half bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fansEat-in kitchenKitchen islandOpen floor planPantryPrimary bathroom with tub and showerSmart thermostatWalk-in closet
• Laundry & utility: In-unit laundry on the upper levelElectric dryer and washer hookupsWasherDryer

HOA detail $194/mo · $2,328/yr

• Likely covers: landscapingpoolgym

Listing history 50 events

1. 2026-11-08
   days on market $195,000 Active 7 DOM
2. 2026-11-07
   days on market $195,000 Active 6 DOM
3. 2026-11-06
   days on market $195,000 Active 5 DOM
4. 2026-11-05
   days on market $195,000 Active 4 DOM
5. 2026-11-04
   days on market $195,000 Active 3 DOM
6. 2026-11-01
   pricedays on marketlisting id $195,000 Active 1 DOM
7. 2026-09-30
   days on market $197,000 Active 146 DOM

   Show marketing remark (1851 chars)

   Better value than nearby new construction with resort-style Oakleaf amenities included. Move-in ready 2022 townhome with upgraded kitchen, screened porch, dual en-suite bedrooms, and low maintenance living near Oakleaf Town Center and SR-23. Located in the desirable Towering Oaks subdivision within Oakleaf Plantation. This beautifully maintained 2-bedroom, 2.5-bath townhome features an open-concept layout designed for comfortable living and easy entertaining. The spacious bright white kitchen offers updated granite countertops, a large undermount stainless steel sink, stylish backsplash, an oversized island with bar seating, all overlooking the open family room. The entire downstairs features durable tile flooring and includes a convenient half bath. Step outside to enjoy the covered rear patio with an upgraded screened-in porch and door, creating the perfect space to relax year-round. Upstairs, both generously sized bedrooms feature private en-suite bathrooms, One has a tub/shower combo, the other one is a walk-in shower, offering ideal privacy and functionality. One of the bedrooms includes a spacious walk-through closet, and the conveniently located upstairs laundry closet adds everyday ease. Residents of Oakleaf enjoy access to two amenity centers featuring resort-style pools, fitness centers, pickleball courts, dog parks, playgrounds, clubhouse access, basketball courts, and barbecue areas, along with great biking paths. And Eagle Landing Golf Club is just minutes down the road. Conveniently located with easy access to SR-23, US-17, and Orange Park Town Center, this home is just minutes from shopping, dining, medical facilities, and top-rated schools. Plus, enjoy being just a short drive from Jacksonville area beaches while still enjoying low-maintenance living in one of Oakleaf's most desirable communities.

8. 2026-09-29
   days on market $197,000 Active 145 DOM
9. 2026-09-28
   days on market $197,000 Active 144 DOM
10. 2026-09-27
    days on market $197,000 Active 143 DOM
11. 2026-09-25
    days on market $197,000 Active 141 DOM
12. 2026-09-24
    days on market $197,000 Active 140 DOM
13. 2026-09-23
    days on market $197,000 Active 139 DOM
14. 2026-09-22
    days on market $197,000 Active 138 DOM
15. 2026-09-21
    days on market $197,000 Active 137 DOM
16. 2026-09-20
    days on market $197,000 Active 136 DOM
17. 2026-09-19
    days on market $197,000 Active 135 DOM
18. 2026-09-18
    days on market $197,000 Active 134 DOM
19. 2026-09-17
    days on market $197,000 Active 133 DOM
20. 2026-09-16
    days on market $197,000 Active 132 DOM
21. 2026-09-15
    days on market $197,000 Active 131 DOM
22. 2026-09-14
    days on market $197,000 Active 130 DOM
23. 2026-09-13
    days on market $197,000 Active 129 DOM
24. 2026-09-12
    days on market $197,000 Active 128 DOM
25. 2026-09-11
    days on market $197,000 Active 127 DOM
26. 2026-09-05
    days on market $197,000 Active 121 DOM
27. 2026-09-04
    days on market $197,000 Active 120 DOM
28. 2026-09-03
    days on market $197,000 Active 119 DOM
29. 2026-08-31
    days on market $197,000 Active 116 DOM
30. 2026-08-29
    days on market $197,000 Active 114 DOM
31. 2026-08-28
    days on market $197,000 Active 113 DOM
32. 2026-08-27
    days on market $197,000 Active 112 DOM
33. 2026-08-25
    pricedays on market $197,000 Active 110 DOM
34. 2026-08-24
    days on market $202,990 Active 109 DOM

    Show marketing remark (1851 chars)

    Better value than nearby new construction with resort-style Oakleaf amenities included. Move-in ready 2022 townhome with upgraded kitchen, screened porch, dual en-suite bedrooms, and low maintenance living near Oakleaf Town Center and SR-23. Located in the desirable Towering Oaks subdivision within Oakleaf Plantation. This beautifully maintained 2-bedroom, 2.5-bath townhome features an open-concept layout designed for comfortable living and easy entertaining. The spacious bright white kitchen offers updated granite countertops, a large undermount stainless steel sink, stylish backsplash, an oversized island with bar seating, all overlooking the open family room. The entire downstairs features durable tile flooring and includes a convenient half bath. Step outside to enjoy the covered rear patio with an upgraded screened-in porch and door, creating the perfect space to relax year-round. Upstairs, both generously sized bedrooms feature private en-suite bathrooms, One has a tub/shower combo, the other one is a walk-in shower, offering ideal privacy and functionality. One of the bedrooms includes a spacious walk-through closet, and the conveniently located upstairs laundry closet adds everyday ease. Residents of Oakleaf enjoy access to two amenity centers featuring resort-style pools, fitness centers, pickleball courts, dog parks, playgrounds, clubhouse access, basketball courts, and barbecue areas, along with great biking paths. And Eagle Landing Golf Club is just minutes down the road. Conveniently located with easy access to SR-23, US-17, and Orange Park Town Center, this home is just minutes from shopping, dining, medical facilities, and top-rated schools. Plus, enjoy being just a short drive from Jacksonville area beaches while still enjoying low-maintenance living in one of Oakleaf's most desirable communities.

35. 2026-08-23
    days on market $202,990 Active 108 DOM
36. 2026-08-22
    days on market $202,990 Active 107 DOM
37. 2026-08-21
    days on market $202,990 Active 106 DOM
38. 2026-08-20
    days on market $202,990 Active 105 DOM
39. 2026-08-19
    days on market $202,990 Active 104 DOM
40. 2026-08-18
    days on market $202,990 Active 103 DOM
41. 2026-08-17
    days on market $202,990 Active 102 DOM
42. 2026-08-16
    days on market $202,990 Active 101 DOM
43. 2026-08-15
    days on market $202,990 Active 100 DOM
44. 2026-08-14
    days on market $202,990 Active 99 DOM
45. 2026-08-13
    days on market $202,990 Active 98 DOM
46. 2026-08-12
    days on market $202,990 Active 97 DOM
47. 2026-08-11
    days on market $202,990 Active 96 DOM
48. 2026-08-10
    days on marketlisting id $202,990 Active 95 DOM
49. 2026-08-10
    days on market $202,990 Active 97 DOM
50. 2026-08-09
    days on market $202,990 Active 96 DOM

ⓘ 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: $3,022 · $252/mo
• Projected year-2 tax: $3,022 · $252/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 4/10 Moderate
• 🌡 Heat 8/10 Severe 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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,055
• − Mortgage interest: −$10,923
• − Property taxes: −$3,022
• − Insurance: −$975
• − Repairs & maintenance: −$1,684
• − Management: −$1,684
• − HOA: −$2,328
• − Depreciation: −$5,673
• Taxable loss: −$5,234
• Est. tax savings @ 24.0%: +$1,256
• After-tax cash flow: $-706/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.

Condition & rehab AI · 1 photo

Good 80/100 Cosmetic rehab Est. rehab $5,545–$16,635 screening

This move-in ready townhome in Oakleaf Plantation features an open-concept layout with upgraded kitchen and amenities, and is in good condition with minimal maintenance required.

Value-add opportunities

• Both Paint exterior siding — Enhances curb appeal and value. ↑
• Both Replace front door — Improves entryway and adds value. ↑
• Both Upgrade landscaping — Enhances curb appeal and adds value. ↑
• Both Install smart home technology — Attracts tech-savvy buyers and renters. ↑
• Both Add smart thermostat — Reduces energy costs and appeals to tech-savvy buyers and renters. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 54/100

Zoned Schools

Elementary Plantation Oaks Elementary School B- FL #664/2,144 Nat'l #7,053/41,679 Middle Oakleaf Junior High C+ FL #217/571 Nat'l #3,033/14,009 High Oakleaf High School D+ FL #175/667 Nat'l #5,448/17,239

Schools (NCES district)

• District: Clay
• NCES district ID: 1200300
• Math proficiency: 58% ▼ -8.00%
• Reading proficiency: 59% ▼ -3.00%
• Median HH income: $59,379
• Composite: 50.73/100
• National rank: #1815
• State rank: #14 of 73 in FL

B Composite livability gradescore 70/100

Livability — Oakleaf Plantation

• Score: 70/100
• State rank: #446
• US rank: #8083

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oakleaf Plantation, FL
• County: Clay County · 230,495 people
• City population: 40,366
• Metro: Jacksonville, FL
• Population (ZIP): 41,578
• Household income: $97,455
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 10% of renters

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Population outlook (Clay County) Hauer SSP2

• Today (2025): 230,495 people
• By 2030: 242,427 · +5.2%
• By 2040: 262,244 · +13.8%
• By 2050: 275,148 · +19.4%
• By 2075: 295,397 · +28.2%
• By 2100: 287,592 · +24.8%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 51% Black 20% Hispanic / Latino 15% Two or more races 15% Asian 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5% Cuban 3%
• Languages at home: 88% English-only · Spanish 7% Tagalog/Filipino 3% Other Asian/Pacific 1%

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Political lean MEDSL · Clay

• 2024 margin: Solid R (+39.3) · D 29.9% · R 69.2%
• 2008→2024 swing: +3.6pp toward D · 2008: -42.8pp · 2024: -39.3pp
• All cycles: 2024: R+39.3 2020: R+37.1 2016: R+44.3 2012: R+45.8 2008: R+42.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.13%
• Current HPI: 276.5987
• Rent YoY: ▲ 3.73%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• HOA & community: Community amenities include a barbecue area, basketball court, children's pool, clubhouse, dog park, fitness center, jogging path, park, pickleball, playground, and tennis courtsSidewalksGrounds maintenance included

Exterior

• Parking: Assigned parkingGuest parking
• Utilities: Public sewerElectricity connectedWater connected
• Home design: TownhouseAttachedEntry on the first level
• Construction: Shingle roof
• Exterior features: Covered, screened patio

Interior

• Kitchen: DishwasherDisposalElectric rangeMicrowave
• Bedrooms: 2 bedrooms
• Flooring: CarpetTile
• Bathrooms: 2 full bathrooms1 half bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fansEat-in kitchenKitchen islandOpen floor planPantryPrimary bathroom with tub and showerSmart thermostatWalk-in closet
• Laundry & utility: In-unit laundry on the upper levelElectric dryer and washer hookupsWasherDryer

Price history

-11.8% since first listed

17 events — show timeline

• 2026-11-01 Listed $195,000 realMLS
• 2026-10-01 Listing Removed — PARMLS
• 2026-09-30 Listing Removed — realMLS
• 2026-08-24 Price Changed $197,000 realMLS
• 2026-08-24 Listed $197,000 PARMLS
• 2026-06-18 Price Changed $202,990 realMLS
• 2026-06-03 Price Changed $204,990 realMLS
• 2026-04-30 Listed $215,000 realMLS
• 2022-06-29 Sold (MLS) $243,990 realMLS
• 2022-02-28 Pending — realMLS
• 2022-02-16 Price Changed $243,990 realMLS
• 2022-02-01 Price Changed $238,990 realMLS
• 2022-01-25 Price Changed $235,990 realMLS
• 2022-01-12 Price Changed $232,990 realMLS
• 2021-12-08 Price Changed $227,990 realMLS
• 2021-11-23 Price Changed $225,990 realMLS
• 2021-11-11 Listed $220,990 realMLS

Property tax history

+45.7%/yr

Latest (2025): $3,022 · +3.4% YoY. Source: county tax records.