648 Yellow Oaks Ln · Oakleaf Plantation, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 8/10 · Major
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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 +14.4/15.0
- Cash flow +8.6/30.0
- Schools +5.4/10.0
- Condition / age +4.0/5.0
- 1% rule +3.9/10.0
- Livability +3.5/5.0
- Rent growth +3.4/5.0
- DSCR +2.4/10.0
- Appreciation +0.0/10.0
$197,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
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
- Covered rear patio
- Move in ready
- Oversized island
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.5-bath townhouse listed at $197k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-170 ($-2k/yr) — negative.
- To cash-flow at today's rent, offer at most $167k (15.2% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (10.6% below list).
- Recommended offer: $167k (15.2% 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); 307 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals lingering (median 67d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 59% 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
- It's been on market 139 days — a 12% lower offer ($173k) is reasonable based on typical stale-listing flexibility.
- 3 sale attempts since 5y ago; this cycle's ask has dropped $18k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
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.
Questions for the listing agent
- 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?
- It's been on market 139 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 0.89% ✗
- Cap rate
- 5.26%
- Cash-on-cash
- -3.70%
- DSCR
- 0.84
- GRM
- 9.3
CMA / ARV
- ARV (median comp)
- $232,824
- List price
- $197,000
- Delta
- -15.39%
- 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%) | 14mo | $198,500 | $179 | 88 |
| 3937 Oak Mill Rd | 0.06mi | 2/2.5 | 1,107 (-0%) | 14mo | $215,000 | $194 | 85 |
| 575 Oakleaf Plantation Pkwy #1803 | 0.46mi | 2/2.5 | 1,110 (+0%) | 3mo | $190,000 | $171 | 76 |
| 575 Oakleaf Plantation Pkwy #1309 | 0.54mi | 2/2.0 | 1,150 (+4%) | 5mo | $145,000 | $126 | 62 |
| 575 Oakleaf Plantation Pkwy #808 | 0.50mi | 2/2.0 | 1,049 (-5%) | 4mo | $149,000 | $142 | 62 |
| 575 Oakleaf Plantation Pkwy #516 | 0.48mi | 2/2.0 | 1,150 (+4%) | 10mo | $153,000 | $133 | 61 |
| 575 Oakleaf Plantation Pkwy #412 | 0.42mi | 2/2.0 | 1,150 (+4%) | 15mo | $165,000 | $143 | 60 |
| 575 Oakleaf Plantation Pkwy #1301 | 0.55mi | 2/2.0 | 1,049 (-5%) | 5mo | $150,000 | $143 | 59 |
| 575 E Oakleaf Plantation Pkwy #1208 | 0.56mi | 2/2.0 | 1,049 (-5%) | 4mo | $164,900 | $157 | 59 |
| 575 Oakleaf Plantation Pkwy #609 | 0.48mi | 2/2.0 | 1,150 (+4%) | 16mo | $155,000 | $135 | 56 |
| 575 Oakleaf Plantation Pkwy #704 | 0.52mi | 2/2.0 | 1,049 (-5%) | 13mo | $162,750 | $155 | 54 |
| 575 Oakleaf Plantation Pkwy #1314 | 0.53mi | 1/1.0 (-1) | 1,011 (-9%) | 16mo | $129,900 | $128 | 36 |
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
- IRR
- -21.5%
- Equity multiple
- 0.25×
- Total profit
- $-41,296
- Equity at exit
- $29,373
- IRR
- -13.1%
- Equity multiple
- 0.20×
- Total profit
- $-43,867
- Equity at exit
- $17,033
Cash invested: $55,160 (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
Active competition Active MLS
- For sale now
- 13 active · 8 under contract
- Months of supply
- 8.7 mo (12%/mo absorbed)
- Median asking
- $174,500 ($158/sqft)
- Median days on market
- 142 d
- This list price
- 69% of active listings are priced below it
- ARV vs active asking
- +33.0% 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
- 307
- Price-to-rent
- 9.3×
Monthly cashflow live
- Estimated rent
- $1,761 high interval (Pro) →
- Mortgage (P&I)
- −$1,033
- Tax from tax record
- −$252 /mo · $3,022/yr
- Insurance
- −$82
- HOA
- −$194
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$370
- Net cashflow
- $-170
Break-even live
Sensitivity live
| Price | -10% $-58 | -5% $-114 | +0% $-170 | +5% $-226 | +10% $-281 |
|---|---|---|---|---|---|
| Rent | -10% $-309 | -5% $-240 | +0% $-170 | +5% $-100 | +10% $-31 |
| Rate | -1.0pp $-71 | -0.5pp $-120 | base $-170 | +0.5pp $-221 | +1.0pp $-273 |
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
- $49,250
- Closing costs
- $5,910
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 34 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 | 100d | 1 | 0.01mi |
| 3972 Village View Ln Orange Park, FL | 2.0 | 3.0 | 1109 | $1,600 | $1.44 | 81d | 1 | 0.03mi |
| 3972 Village View Ln Orange Park, FL | 2.0 | 2.5 | 1109 | $1,695 | $1.53 | 119d | 1 | 0.03mi |
| 525 Big Tree Way Orange Park, FL | 3.0 | 2.5 | 1335 | $1,850 | $1.39 | 10d | 1 | 0.05mi |
| 513 Spanish Oaks Way Orange Park, FL | 2.0 | 2.5 | 1109 | $1,600 | $1.44 | 113d | 1 | 0.06mi |
| 3978 Oak Mill Rd Orange Park, FL | 2.0 | 2.5 | 1109 | $1,500 | $1.35 | 67d | 1 | 0.08mi |
| 3978 Oak Mill Rd Orange Park, FL | 2.0 | 2.5 | 1109 | $1,450 | $1.31 | 10d | 1 | 0.08mi |
| 3954 Oak Mill Rd Orange Park, FL | 2.0 | 2.5 | 1109 | $1,595 | $1.44 | 10d | 1 | 0.08mi |
| 448 Running Woods St Unit 1 Orange Park, FL | 3.0 | 2.5 | 1333 | $1,850 | $1.39 | 119d | 1 | 0.08mi |
| 508 Running Woods St Orange Park, FL | 2.0 | 2.5 | 1107 | $1,600 | $1.45 | 2d | 1 | 0.09mi |
| 433 Running Woods St Orange Park, FL | 3.0 | 2.0 | 1308 | $1,845 | $1.41 | 6d | 1 | 0.10mi |
| 607 Crystal Way Orange Park, FL | 3.0 | 2.5 | 1440 | $1,725 | $1.20 | 100d | 1 | 0.12mi |
| 3945 Buckthorne Dr Unit A Orange Park, FL | 3.0 | 2.5 | 1439 | $1,695 | $1.18 | 5d | 1 | 0.13mi |
| 3940 Ivory Xing Orange Park, FL | 3.0 | 2.5 | 1440 | $1,595 | $1.11 | 10d | 1 | 0.17mi |
| 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 | 68d | 1 | 0.33mi |
| 785 Oakleaf Plantation Pkwy #1824 Orange Park, FL | 2.0 | 2.0 | 1339 | $1,495 | $1.12 | 88d | 1 | 0.33mi |
| 785 Oakleaf Plantation Pkwy Orange Park, FL | 3.0–4.0 | 2.0 | 1593 | $1,600 | $1.00 | 9d | 3 | 0.35mi |
| 785 Oakleaf Plantation Pkwy Orange Park, FL | 3.0–4.0 | 2.0 | 1593 | $1,650 | $1.04 | 10d | 3 | 0.35mi |
| 785 Oakleaf Plantation Pkwy Orange Park, FL | 2.0–3.0 | 2.0 | 1430 | $1,750 | $1.22 | 119d | 1 | 0.35mi |
| 575 Oakleaf Plantation Pkwy Orange Park, FL | 1.0–2.0 | 1.0–2.0 | 1016 | $2,300 | $2.26 | 76d | 5 | 0.48mi |
| 575 Oakleaf Plantation Pkwy Orange Park, FL | 1.0–2.0 | 1.0–2.5 | 1016 | $2,300 | $2.26 | 7d | 2 | 0.48mi |
| 575 Oakleaf Plantation Pkwy Orange Park, FL | 2.0 | 1.0–2.0 | 1080 | $1,888 | $1.75 | 57d | 3 | 0.48mi |
| 575 Oakleaf Plantation Pkwy Orange Park, FL | 1.0–2.0 | 1.0–2.0 | 969 | $2,300 | $2.37 | 119d | 6 | 0.48mi |
| 575 Oakleaf Plantation Pkwy Orange Park, FL | 1.0–2.0 | 1.0–2.0 | 1016 | $2,300 | $2.26 | 83d | 5 | 0.48mi |
| 575 Oakleaf Plantation Pkwy Orange Park, FL | 1.0–2.0 | 1.0–2.0 | 1016 | $2,300 | $2.26 | 68d | 3 | 0.48mi |
| 575 Oakleaf Plantation Pkwy Orange Park, FL | 1.0–2.0 | 1.0–2.0 | 1016 | $2,300 | $2.26 | 66d | 3 | 0.48mi |
| 550 Drysdale Dr Orange Park, FL | 3.0 | 2.0 | 1264 | $1,875 | $1.48 | 10d | 1 | 0.55mi |
| 607 Reese Ave Orange Park, FL | 3.0 | 2.5 | 1475 | $1,800 | $1.22 | 0d | 1 | 0.93mi |
| 3800 Pebble Brooke Cir Orange Park, FL | 3.0 | 2.0 | 1353 | $1,840 | $1.36 | 68d | 1 | 1.23mi |
| 4123 Pebble Brooke Cir Orange Park, FL | 3.0 | 2.0 | 1334 | $2,045 | $1.53 | 97d | 1 | 1.26mi |
| 4119 Pebble Brooke Cir Orange Park, FL | 3.0 | 2.0 | 1349 | $1,850 | $1.37 | 62d | 1 | 1.27mi |
| 250 Cherry Ridge Dr Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 1088 | $1,522 | $1.40 | 0d | 19 | 1.34mi |
| 3703 Silver Bluff Blvd Orange Park, FL | 3.0 | 2.0 | 1497 | $1,850 | $1.24 | 62d | 1 | 1.37mi |
Property features AI
Finance
- Other
- Private road with asphalt surface
- HOA & community
- Monthly association fee ($195)Community of 44 unitsCommunity amenities: barbecue, clubhouse, dog park, fitness center, park, pickleball, near schools and shopping
Exterior
- Parking
- Assigned parking (1 space)
- Utilities
- Public waterPublic sewer110-volt electricCable availableElectricity availableSewer available
- Home design
- Two levelsFee simple ownership
- Construction
- Cement sidingShingle roofSlab foundationResale condition
- Exterior features
- Private yardCovered, enclosed rear porch
Interior
- Kitchen
- Breakfast barWhite cabinetsEat-in kitchenDishwasherMicrowaveElectric rangeDisposalElectric water heater
- Bedrooms
- Two upper-level bedroomsRoommate floor plan
- Flooring
- CarpetTile
- Bathrooms
- Two full bathroomsOne half bathroom (main level)Master bath with shower and tub/shower combo
- Heating & cooling
- Central heatingCentral air
- Interior features
- 9-foot ceilings on main levelInsulated windowsShared/common walls with adjacent units
- Laundry & utility
- Washer and dryer includedUpper-level laundry with electric dryer hookup
HOA detail $194/mo · $2,328/yr
- Likely covers
- landscapingpoolgym
Listing history 50 events
-
2026-09-23days on market $197,000 Active 139 DOM
-
2026-09-22days on market $197,000 Active 138 DOM
-
2026-09-21days on market $197,000 Active 137 DOM
-
2026-09-20days on market $197,000 Active 136 DOM
-
2026-09-19days on market $197,000 Active 135 DOM
-
2026-09-18days on market $197,000 Active 134 DOM
-
2026-09-17days on market $197,000 Active 133 DOM
-
2026-09-16days on market $197,000 Active 132 DOM
-
2026-09-15days on market $197,000 Active 131 DOM
-
2026-09-14days on market $197,000 Active 130 DOM
-
2026-09-13days on market $197,000 Active 129 DOM
-
2026-09-12days on market $197,000 Active 128 DOM
-
2026-09-11days on market $197,000 Active 127 DOM
-
2026-09-05days on market $197,000 Active 121 DOM
-
2026-09-04days on market $197,000 Active 120 DOM
-
2026-09-03days on market $197,000 Active 119 DOM
-
2026-08-31days on market $197,000 Active 116 DOM
-
2026-08-29days on market $197,000 Active 114 DOM
-
2026-08-28days on market $197,000 Active 113 DOM
-
2026-08-27days on market $197,000 Active 112 DOM
-
2026-08-25pricedays on market $197,000 Active 110 DOM
-
2026-08-24days on market $202,990 Active 109 DOM
-
2026-08-23days on market $202,990 Active 108 DOM
-
2026-08-22days on market $202,990 Active 107 DOM
-
2026-08-21days on market $202,990 Active 106 DOM
-
2026-08-20days on market $202,990 Active 105 DOM
-
2026-08-19days on market $202,990 Active 104 DOM
-
2026-08-18days on market $202,990 Active 103 DOM
-
2026-08-17days on market $202,990 Active 102 DOM
-
2026-08-16days on market $202,990 Active 101 DOM
-
2026-08-15days on market $202,990 Active 100 DOM
-
2026-08-14days on market $202,990 Active 99 DOM
-
2026-08-13days on market $202,990 Active 98 DOM
-
2026-08-12days on market $202,990 Active 97 DOM
-
2026-08-11days on market $202,990 Active 96 DOM
-
2026-08-10days on market $202,990 Active 95 DOM
-
2026-08-10days on market $202,990 Active 97 DOM
-
2026-08-09days on market $202,990 Active 96 DOM
-
2026-08-08days on market $202,990 Active 95 DOM
-
2026-08-07days on market $202,990 Active 94 DOM
-
2026-08-06days on market $202,990 Active 93 DOM
-
2026-08-05days on market $202,990 Active 92 DOM
-
2026-08-04days on market $202,990 Active 91 DOM
-
2026-08-03days on market $202,990 Active 90 DOM
-
2026-07-31days on market $202,990 Active 87 DOM
-
2026-07-30days on market $202,990 Active 85 DOM
-
2026-07-28days on market $202,990 Active 84 DOM
-
2026-07-26days on market $202,990 Active 82 DOM
-
2026-07-24days on market $202,990 Active 80 DOM
-
2026-07-23days on market $202,990 Active 79 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $21,129
- − Mortgage interest
- −$11,035
- − Property taxes
- −$3,022
- − Insurance
- −$985
- − Repairs & maintenance
- −$1,690
- − Management
- −$1,690
- − HOA
- −$2,328
- − Depreciation
- −$5,731
- Taxable loss
- −$5,352
- Est. tax savings @ 24.0%
- +$1,284
- After-tax cash flow
- $-755/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
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.
Zoned Schools
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
Livability — Oakleaf Plantation
- Score
- 70/100
- State rank
- #446
- US rank
- #8083
Category grades
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
- Severe rent burden
- 10% of renters
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%
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%
- Common ancestry
- Lithuanian 4% Romanian 2% Portuguese 2%
- Foreign-born
- 8% · Canada, China
- Languages at home
- 88% English-only · Spanish 7% Tagalog/Filipino 3% Other Asian/Pacific 1%
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
Industry mix (Fortune 500 HQ in FL)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Industrial Technology | 2 | $29B |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-8.1% since first listed15 events — show timeline
- 2026-06-18 Price Changed $202,990 realMLS
- 2026-06-18 Price Changed $202,990 FMLS
- 2026-06-03 Price Changed $204,990 realMLS
- 2026-06-03 Price Changed $204,990 FMLS
- 2026-04-30 Listed $215,000 FMLS
- 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%/yrLatest (2025): $3,022 · +3.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…