1840 Yukon Ct · Lakeside, FL 32068

$244,000

3 bd · 2.0 ba · 1,272 sqft · SingleFamily public records · 287 Days on market

Built 1992 Est $251k · at est. $19/mo HOA · 1% of rent

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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).

• Cash flow +11.6/30.0
• ARV discount +8.7/15.0
• Schools +5.1/10.0
• DSCR +3.4/10.0
• Livability +3.4/5.0
• Rent growth +3.3/5.0
• 1% rule +3.2/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

**Bring all offers - subject to short sale opportunity** This 3 bedroom, 2 bath offering in the Habitat presents with 1,272 sq.ft., spacious living area and backyard for entertaining. New digtial eco-thermostat. This home provides an opportunity for potential - just bring your vision to make your updates! Easy to show! Low yearly HOA in a quiet neighborhood. Seller financing option available with 20% down.

Key facts

• Quiet street
• Open floor plan
• Great location

Tags

• OPEN FLOOR PLAN
• GREAT LOCATION
• QUIET STREET
• LOW HOA

Property features AI

Finance

• HOA & community: Homeowners association: The Habitat HOA; Association amenities include a playground; Association fee paid annually

Exterior

• Parking: Attached garage (1-car)
• Utilities: Public sewer; Electricity available; Water available
• Home design: Single-family residence; One story; Entry on level 1
• Construction: Composition siding; Shingle roof
• Exterior features: Covered patio; Patio; Back yard fencing; Located on a cul-de-sac / dead-end street; City street frontage; Asphalt road surface

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Breakfast bar; Ceiling fans; Eat-in kitchen; Open floor plan; Primary bathroom with shower (no tub); Split bedroom layout; Walk-in closet(s)
• Laundry & utility: Washer hookup; Electric dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $244k.

Deal economics

• At list price, monthly cash flow is $-77 ($-928/yr) — negative.
• To cash-flow at today's rent, offer at most $230k (5.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $200k (17.9% below list).
• Recommended offer: $200k (17.9% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 4.7% in Lakeside — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 68/100 on livability (#505 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living 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: Coppergate Elementary School (math 69% / reading 65%, grade B+, #450 of 2,144 statewide, top 22%, 609 students, 100% FRL); Lake Asbury Junior High School (math 65% / reading 58%, grade B+, #124 of 571 statewide, top 22%, 1,037 students, 41% FRL); Middleburg High School (math 41% / reading 52%, grade D-, #216 of 667 statewide, top 33%, 1,852 students, 47% FRL) — zoned schools average 62% FRL vs 35% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.4%/yr); 601 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $2k of loan paydown is wiped out by about $7k 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 287 days — a 12% lower offer ($215k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y 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; major wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $200,392 (17.9% 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. It's been on market 287 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.82% ✗
• Cap rate: 5.91%
• Cash-on-cash: -1.36%
• DSCR: 0.94
• GRM: 10.1

CMA / ARV

• ARV (on-the-fly): $250,584
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1845 Yukon Ct	0.04mi	3/2.0	1,308 (+3%)	2mo	$249,900	$191	92
1802 Sheraton Lakes Cir	0.33mi	3/2.0	1,272 (0%)	0mo	$220,000	$173	84
1875 Sheraton Lakes Cir	0.29mi	3/2.0	1,272 (0%)	3mo	$261,000	$205	84
1855 N Alberta Ct	0.19mi	3/2.0	1,260 (-1%)	9mo	$242,000	$192	82
1891 Hunters Trace Cir	0.45mi	3/2.0	1,235 (-3%)	7mo	$228,000	$185	68
3336 McLish Ct	0.32mi	3/2.0	1,378 (+8%)	4mo	$275,000	$200	68
1748 St Ives Dr	0.38mi	3/2.0	1,370 (+8%)	5mo	$280,000	$204	66
1907 Hunters Trace Cir	0.47mi	3/2.0	1,367 (+8%)	0mo	$269,000	$197	65
2001 Hunters Trace Cir	0.45mi	3/2.0	1,367 (+8%)	6mo	$269,000	$197	61
1828 Killarn Cir	0.71mi	3/2.0	1,309 (+3%)	3mo	$259,000	$198	59
3829 Hideaway Ln	0.37mi	3/2.0	1,431 (+12%)	9mo	$249,900	$175	55
1827 Killarn Cir	0.72mi	3/2.0	1,447 (+14%)	8mo	$215,000	$149	37

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 · 3.35% rent growth · sell at horizon

5-year hold

• IRR: -18.1%
• Equity multiple: 0.36×
• Total profit: $-43,741
• Equity at exit: $36,381

10-year hold

• IRR: -9.7%
• Equity multiple: 0.39×
• Total profit: $-41,445
• Equity at exit: $21,097

Cash invested: $68,320 (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 32068

• Home prices YoY: -27.5%
• Rents YoY: 3.4%
• Active inventory: 601
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $2,004 high
• Mortgage (P&I): −$1,280
• Tax from tax record: −$260 /mo · $3,122/yr
• Insurance: −$102
• HOA: −$19
• Vacancy / Maint / Mgmt: −$421
• Net cashflow: $-77

Break-even live

Break-even rent $2,102

Max offer price $230,340

Occupancy floor 99%

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: $61,000
• Closing costs: $7,320
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1809 Penzance Pkwy Middleburg, FL	3.0	2.0	1708	$2,100	$1.23	4d	1	0.15mi
1854 Alberta Ct N Middleburg, FL	3.0	2.0	1190	$1,775	$1.49	23d	1	0.22mi
1871 Alberta Ct S Middleburg, FL	3.0	2.0	1524	$1,720	$1.13	23d	1	0.22mi
3861 Baxley Villas Ct Middleburg, FL	3.0	2.5	1604	$2,000	$1.25	14d	1	0.41mi
1976 Hunters Trace Cir Middleburg, FL	3.0	2.0	1576	$1,880	$1.19	2d	1	0.45mi
3640 Alec Dr Middleburg, FL	3.0	2.0	1178	$1,710	$1.45	2d	1	0.82mi
3413 Alec Dr Middleburg, FL	3.0	2.0	1312	$1,711	$1.30	20d	1	0.87mi
1685 Bridger Trce Middleburg, FL	2.0	2.5	1210	$1,900	$1.57	23d	1	0.92mi
1469 Jeremiah St Middleburg, FL	3.0	2.5	1468	$2,000	$1.36	23d	1	0.95mi
1633 Bridger Trce Middleburg, FL	3.0	2.5	1502	$1,900	$1.26	23d	1	0.98mi
3437 Talisman Dr Middleburg, FL	3.0	2.0	1303	$1,779	$1.37	10d	1	1.00mi
1953 Longneedle Ln Middleburg, FL	4.0	2.0	1564	$1,965	$1.26	17d	1	1.40mi
1568 Backwater Dr Middleburg, FL	3.0	2.0	1594	$1,895	$1.19	23d	1	1.48mi
2995 Biloxi Trl Middleburg, FL	3.0	2.0	1425	$1,750	$1.23	4d	1	1.50mi

HOA detail

• Monthly dues: $19 · $228/yr

Listing history 27 events

1. 2026-06-18
   days on market $244,000 Active 287 DOM
2. 2026-06-17
   days on market $244,000 Active 286 DOM
3. 2026-06-16
   days on market $244,000 Active 285 DOM
4. 2026-06-15
   days on market $244,000 Active 284 DOM
5. 2026-06-13
   days on market $244,000 Active 282 DOM
6. 2026-06-13
   days on market $244,000 Active 281 DOM
7. 2026-06-09
   days on market $244,000 Active 278 DOM
8. 2026-06-08
   days on market $244,000 Active 277 DOM
9. 2026-06-07
   days on market $244,000 Active 276 DOM
10. 2026-06-03
    days on market $244,000 Active 272 DOM
11. 2026-06-02
    days on market $244,000 Active 271 DOM
12. 2026-06-01
    days on market $244,000 Active 270 DOM
13. 2026-05-31
    days on market $244,000 Active 269 DOM
14. 2025-09-04
    listed $244,000 Active
15. 2025-04-24
    historical 409-char remark

    Show marketing remark (409 chars)

    **Bring all offers - subject to short sale opportunity** This 3 bedroom, 2 bath offering in the Habitat presents with 1,272 sq.ft., spacious living area and backyard for entertaining. New digtial eco-thermostat. This home provides an opportunity for potential - just bring your vision to make your updates! Easy to show! Low yearly HOA in a quiet neighborhood. Seller financing option available with 20% down.

16. 2025-03-13
    price $235,000 409-char remark

    Show marketing remark (409 chars)

    **Bring all offers - subject to short sale opportunity** This 3 bedroom, 2 bath offering in the Habitat presents with 1,272 sq.ft., spacious living area and backyard for entertaining. New digtial eco-thermostat. This home provides an opportunity for potential - just bring your vision to make your updates! Easy to show! Low yearly HOA in a quiet neighborhood. Seller financing option available with 20% down.

17. 2025-02-26
    price $239,000 409-char remark

    Show marketing remark (409 chars)

    **Bring all offers - subject to short sale opportunity** This 3 bedroom, 2 bath offering in the Habitat presents with 1,272 sq.ft., spacious living area and backyard for entertaining. New digtial eco-thermostat. This home provides an opportunity for potential - just bring your vision to make your updates! Easy to show! Low yearly HOA in a quiet neighborhood. Seller financing option available with 20% down.

18. 2025-02-10
    listed $243,000 Active 409-char remark

    Show marketing remark (409 chars)

    **Bring all offers - subject to short sale opportunity** This 3 bedroom, 2 bath offering in the Habitat presents with 1,272 sq.ft., spacious living area and backyard for entertaining. New digtial eco-thermostat. This home provides an opportunity for potential - just bring your vision to make your updates! Easy to show! Low yearly HOA in a quiet neighborhood. Seller financing option available with 20% down.

19. 2022-09-09
    soldstatus $248,400
20. 2022-09-01
    soldstatus $248,400 Sold 219-char remark

    Show marketing remark (219 chars)

    Looking for a starter or investment home? This cozy neighborhood is close to restaurants, shopping and the new First Coast Expressway. Home has 3 beds and 2 bath with a 1 car garage. Home has Fresh Paint and new Carpet.

21. 2022-07-16
    status Pending 219-char remark

    Show marketing remark (219 chars)

    Looking for a starter or investment home? This cozy neighborhood is close to restaurants, shopping and the new First Coast Expressway. Home has 3 beds and 2 bath with a 1 car garage. Home has Fresh Paint and new Carpet.

22. 2022-07-14
    price $240,000 219-char remark

    Show marketing remark (219 chars)

    Looking for a starter or investment home? This cozy neighborhood is close to restaurants, shopping and the new First Coast Expressway. Home has 3 beds and 2 bath with a 1 car garage. Home has Fresh Paint and new Carpet.

23. 2022-07-14
    status Active 219-char remark

    Show marketing remark (219 chars)

    Looking for a starter or investment home? This cozy neighborhood is close to restaurants, shopping and the new First Coast Expressway. Home has 3 beds and 2 bath with a 1 car garage. Home has Fresh Paint and new Carpet.

24. 2022-06-22
    historical 219-char remark

    Show marketing remark (219 chars)

    Looking for a starter or investment home? This cozy neighborhood is close to restaurants, shopping and the new First Coast Expressway. Home has 3 beds and 2 bath with a 1 car garage. Home has Fresh Paint and new Carpet.

25. 2022-06-17
    listed $200,000 Active 219-char remark

    Show marketing remark (219 chars)

    Looking for a starter or investment home? This cozy neighborhood is close to restaurants, shopping and the new First Coast Expressway. Home has 3 beds and 2 bath with a 1 car garage. Home has Fresh Paint and new Carpet.

26. 1992-06-01
    soldstatus $55,900
27. 1990-11-06
    soldstatus $107,700

ⓘ 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: $3,122 · $260/mo
• Projected year-2 tax: $3,122 · $260/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 6/10 Major
• 🌡 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,047
• − Mortgage interest: −$13,668
• − Property taxes: −$3,122
• − Insurance: −$1,220
• − Repairs & maintenance: −$1,924
• − Management: −$1,924
• − HOA: −$228
• − Depreciation: −$7,098
• Taxable loss: −$5,137
• Est. tax savings @ 24.0%: +$1,233
• After-tax cash flow: $305/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: 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 — Lakeside

• Score: 68/100
• State rank: #505
• US rank: #9341

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Clay County · 208,450 people
• Metro: Jacksonville, FL
• Population (ZIP): 58,983
• Household income: $84,431
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 975.0

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: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 13% Two or more races 10% Black 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 87% English-only · Spanish 9% Arabic 1% German/W. Germanic 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: ▼ -115.99%
• Current HPI: 305.2531
• Rent YoY: ▲ 3.35%
• 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

+126.6% since first listed

14 events — show timeline

• 2025-09-04 Listed $244,000 realMLS
• 2025-04-24 Listing Removed — realMLS
• 2025-03-13 Price Changed $235,000 realMLS
• 2025-02-26 Price Changed $239,000 realMLS
• 2025-02-10 Listed $243,000 realMLS
• 2022-09-09 Sold (Public Records) $248,400 Public Records
• 2022-09-01 Sold (MLS) $248,400 realMLS
• 2022-07-16 Pending — realMLS
• 2022-07-14 Price Changed $240,000 realMLS
• 2022-07-14 Relisted — realMLS
• 2022-06-22 Listing Removed — realMLS
• 2022-06-17 Listed $200,000 realMLS
• 1992-06-01 Sold (Public Records) $55,900 Public Records
• 1990-11-06 Sold (Public Records) $107,700 Public Records

Property tax history

+14.4%/yr

Latest (2025): $3,122 · +2.5% YoY. Source: county tax records.