10875 Ventnor Ave · Jacksonville, FL 32218

$5,000

4 bd · 3.0 ba · 2,358 sqft · SingleFamily public records · 10 Days on market

Built 2022 9,148 sqft lot

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +7.3/30.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• 1% rule +2.1/10.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends June 8, 2026 at 11:00 AM EST. Explore this charming 4-bedroom, 2.5-bath residence set in a peaceful and well-located Jacksonville community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa Home App.

Key facts

• 9,148 sq ft lot
• 2 garage spots
• Built 2022

Property features AI

Exterior

• Parking: Garage (2 spaces)
• Utilities: Water: other; Sewer: other
• Home design: Single-family residence; Two levels; Residential property in a PUD
• Construction: Construction materials: see remarks
• Exterior features: Front porch; Other roof

Interior

• Bedrooms: 1 total room (listed as 1 room)
• Flooring: Other
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: No heating specified; No cooling specified
• Interior features: Front porch; Other flooring

🔨 Auction listing. The $5,000 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $370,206 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $-487 ($-6k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $5k).

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.
• Market conditions: Rents soft (-0.4%/yr); 728 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• At $2,622/mo this rent would consume 45% of the median local household income ($70k/yr) (locally 2289% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $11k 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 10 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 111.1% of price.
• 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 $5,000

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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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: 0.71% ✗
• Cap rate: 4.71%
• Cash-on-cash: -5.64%
• DSCR: 0.75
• GRM: 11.8

CMA / ARV

• ARV (on-the-fly): $370,206
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10863 Peacock Landing Ct	0.33mi	4/2.5	2,368 (+0%)	4mo	$350,000	$148	79
10950 Osprey Hammock Blvd	0.48mi	3/2.5 (-1)	2,382 (+1%)	1mo	$349,900	$147	68
5369 Kellar Cir	0.28mi	4/3.0	2,006 (-15%)	0mo	$320,000	$160	62
11222 Robert Masters Ct	0.55mi	4/3.0	2,184 (-7%)	3mo	$330,000	$151	60
5677 Kellar Cir	0.37mi	4/3.0	2,006 (-15%)	1mo	$315,000	$157	57
5477 Kellar Cir	0.18mi	4/3.0	2,006 (-15%)	14mo	$335,000	$167	56
5628 Kellar Cir	0.31mi	3/2.0 (-1)	2,126 (-10%)	7mo	$327,000	$154	54
11234 Robert Masters Ct	0.58mi	4/3.0	2,556 (+8%)	10mo	$410,776	$161	51
10821 Peacock Landing Ct	0.34mi	3/2.0 (-1)	2,128 (-10%)	13mo	$345,000	$162	48
11251 Robert Masters Ct	0.60mi	3/2.5 (-1)	2,145 (-9%)	3mo	$315,000	$147	48
10928 Copper Hill Dr	0.57mi	4/2.0	2,036 (-14%)	10mo	$350,000	$172	39
10323 Palmetto Bay Rd	0.68mi	5/3.0 (+1)	2,680 (+14%)	9mo	$310,000	$116	33

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: -29.3%
• Equity multiple: 0.05×
• Total profit: $-98,673
• Equity at exit: $55,199

10-year hold

• IRR: -48.1%
• Equity multiple: -0.50×
• Total profit: $-155,423
• Equity at exit: $32,009

Cash invested: $103,658 (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 32218

• Home prices YoY: -25.7%
• Rents YoY: -0.4%
• Active inventory: 728
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,622 high
• Mortgage (P&I): −$1,941
• Tax est. 1.5%: −$463 /mo · $5,553/yr
• Insurance: −$154
• HOA: −$0
• Vacancy / Maint / Mgmt: −$551
• Net cashflow: $-487

Break-even live

Break-even rent $3,238

Max offer price $299,683

Occupancy floor —

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: $92,552
• Closing costs: $11,106
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10815 Ventnor Ave Jacksonville, FL	4.0	3.0	2006	$2,950	$1.47	23d	1	0.10mi
10815 Ventnor Ave Jacksonville, FL	4.0	3.0	2028	$2,750	$1.36	4d	1	0.10mi
4334 Woodley Creek Rd Jacksonville, FL	3.0	2.0	1634	$2,100	$1.29	1d	1	0.48mi
10373 Marsh Hawk Dr Jacksonville, FL	3.0	2.0	1868	$2,020	$1.08	3d	1	0.52mi
5008 Bramante Dr Jacksonville, FL	4.0	2.5	1866	$2,175	$1.17	7d	1	0.84mi
5190 Johnson Lake Ct Jacksonville, FL	4.0	2.0	2060	$2,275	$1.10	4d	1	0.92mi
4948 Big Pine Dr Jacksonville, FL	4.0	3.0	2184	$2,185	$1.00	14d	1	1.02mi
11718 Robert Masters Blvd Jacksonville, FL	3.0	2.0	1688	$2,212	$1.31	1d	42	1.39mi
10842 Lydia Estates Dr Jacksonville, FL	4.0	2.0	2058	$2,500	$1.21	21d	1	1.40mi
12069 Bridgehampton Rd Jacksonville, FL	3.0	2.5	2256	$2,516	$1.12	4d	1	1.44mi
9504 Evesham Rd Jacksonville, FL	4.0	2.0	1966	$1,645	$0.84	23d	1	1.44mi

Listing history 7 events

1. 2026-06-07
   days on market $5,000 Active 10 DOM
2. 2026-06-05
   days on market $5,000 Active 7 DOM
3. 2026-06-03
   days on market $5,000 Active 6 DOM
4. 2026-06-02
   days on market $5,000 Active 5 DOM
5. 2026-06-01
   days on market $5,000 Active 4 DOM
6. 2026-05-31
   days on market $5,000 Active 3 DOM
7. 2026-05-28
   listed $5,000 Active

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 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: $31,459
• − Mortgage interest: −$20,737
• − Property taxes: −$5,553
• − Insurance: −$1,851
• − Repairs & maintenance: −$2,517
• − Management: −$2,517
• − Depreciation: −$10,770
• Taxable loss: −$12,486
• Est. tax savings @ 24.0%: +$2,997
• After-tax cash flow: $-2,852/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): 72,905
• Household income: $69,638
• Rent vs Own: 32.7% rent · 67.3% own
• Severe rent burden: 2289.0

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 0.64)
• Race & ethnicity: Black 48% White 35% Hispanic / Latino 9% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Slovak 1% Lithuanian 1% Italian 1%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 6% French/Haitian/Cajun 1% Tagalog/Filipino 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: ▼ -90.73%
• Current HPI: 262.2329
• Rent YoY: ▼ -0.40%
• 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

1 event — show timeline

• 2026-05-28 Listed $5,000 HAOR as distributed by MLS GRID

Property tax history

+37.2%/yr

Latest (2025): $5,067 · +0.7% YoY. Source: county tax records.