3263 Thomas St · Jacksonville, FL 32254

$138,000

3 bd · 1.0 ba · 1,053 sqft · SingleFamily public records · 70 Days on market

Built 1943 4,356 sqft lot Est $152k · 9% under

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Why this score? — see what drove the C 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 +16.5/30.0
• ARV discount +11.5/15.0
• Appreciation +6.7/10.0
• DSCR +5.1/10.0
• 1% rule +4.6/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

**Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

Key facts

• Covered front porch
• Cozy fireplace
• Covered back porch

Tags

• COZY FIREPLACE
• COVERED FRONT PORCH
• COVERED BACK PORCH

Property features AI

Exterior

• Parking: Other parking
• Security: Smoke detector(s)
• Utilities: Public sewer; Electricity available; Water available
• Home design: Single-family residence; One story
• Construction: Wood siding construction; Shingle roof
• Exterior features: Covered patio/porch; Front porch; Rear porch; Corner lot; City street frontage; Asphalt/paved road

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Split bedroom layout; Wood-burning fireplace; Smoke detector(s)
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $138k.

Deal economics

• At list price, monthly cash flow is $82 ($982/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $132k (4.2% below list).
• Recommended offer: $130k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.0% vs local median 4.0% 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.
• Market conditions: Rents rising (+1.7%/yr); 172 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($954 loan paydown + $5k appreciation (3.4% local appreciation)).
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.4% appreciation + 1.7% rent growth), your $39k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($130k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 7y ago; this cycle's ask has dropped $17k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $105k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1943 — expect roof / HVAC / electrical / plumbing capex.
• 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 $129,719 (6.0% below list)

Questions for the listing agent

1. It's been on market 70 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.96% ✗
• Cap rate: 7.00%
• Cash-on-cash: 2.54%
• DSCR: 1.11
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $151,632
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3557 Dillon St	0.23mi	3/1.5	1,035 (-2%)	1mo	$180,000	$174	84
2667 Amy St	0.38mi	3/1.0	1,038 (-1%)	0mo	$117,000	$113	80
3130 Mell Ct	0.63mi	3/2.0	1,056 (+0%)	1mo	$180,000	$170	66
2881 Lenox Ave	0.67mi	3/1.0	1,068 (+1%)	2mo	$90,000	$84	65
3127 Dignan St	0.22mi	3/2.0	1,197 (+14%)	2mo	$210,000	$175	62
2908 Spencer St	0.59mi	3/2.0	1,100 (+4%)	0mo	$158,000	$144	61
954 Allison St	0.68mi	3/1.5	1,084 (+3%)	1mo	$130,000	$120	61
3333 Ernest St	0.62mi	3/1.0	984 (-7%)	1mo	$207,000	$210	59
3053 Gilmore St	0.63mi	2/1.0 (-1)	1,008 (-4%)	0mo	$130,000	$129	58
3332 Dellwood Ave	0.70mi	2/1.0 (-1)	1,023 (-3%)	0mo	$184,000	$180	57
3502 Dellwood Ave	0.71mi	3/1.0	1,131 (+7%)	2mo	$155,000	$137	53
941 Huron St	0.65mi	3/1.0	1,208 (+15%)	2mo	$125,000	$103	44

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

Projected returns pro-forma

3.41% appreciation · 1.7% rent growth · sell at horizon

5-year hold

• IRR: 10.3%
• Equity multiple: 1.60×
• Total profit: $23,195
• Equity at exit: $65,283

10-year hold

• IRR: 11.8%
• Equity multiple: 2.80×
• Total profit: $69,388
• Equity at exit: $103,198

Cash invested: $38,640 (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 32254

• Home prices YoY: 1.2%
• Rents YoY: 1.7%
• Active inventory: 172
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,322 high
• Mortgage (P&I): −$724
• Tax from tax record: −$181 /mo · $2,175/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $82

Break-even live

Break-even rent $1,218

Max offer price $138,000

Occupancy floor 89%

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: $34,500
• Closing costs: $4,140
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3352 Dillon St Jacksonville, FL	3.0	2.0	1229	$1,372	$1.12	23d	1	0.16mi
3318 Dignan St Jacksonville, FL	3.0	2.0	960	$1,200	$1.25	23d	1	0.17mi
3323 Nolan St Jacksonville, FL	3.0	1.0	927	$1,050	$1.13	1d	1	0.19mi
3515 Dignan St Jacksonville, FL	3.0	1.0	915	$1,036	$1.13	3d	1	0.20mi
3319 Hunt St Jacksonville, FL	3.0	1.0	924	$1,295	$1.40	23d	1	0.23mi
3118 Dignan St Jacksonville, FL	4.0	2.0	1103	$1,148	$1.04	1d	1	0.26mi
3035 Fitzgerald St Jacksonville, FL	2.0	1.0	900	$1,021	$1.13	3d	1	0.32mi
3688 Dillon St Jacksonville, FL	3.0	2.0	1230	$1,421	$1.16	23d	1	0.34mi
3550 Edison Ave Jacksonville, FL	3.0	2.0	1230	$1,463	$1.19	4d	1	0.36mi
3356 Lenox Ave Jacksonville, FL	2.0	1.0	899	$999	$1.11	23d	1	0.38mi
841 Ontario St Jacksonville, FL	2.0	1.0	1000	$1,285	$1.28	23d	1	0.49mi
3347 Phyllis St Jacksonville, FL	3.0	2.0	1145	$1,395	$1.22	23d	1	0.49mi
3159 Phyllis St Jacksonville, FL	3.0	2.0	1209	$1,561	$1.29	3d	1	0.50mi
3250 Phyllis St Jacksonville, FL	2.0	1.0	720	$850	$1.18	23d	1	0.51mi
3236 Phyllis St Unit 3244 Jacksonville, FL	2.0	1.0	720	$850	$1.18	23d	1	0.52mi
2587 Orchard St Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	7d	1	0.53mi
912 Huron St Jacksonville, FL	2.0	1.0	900	$1,100	$1.22	14d	1	0.57mi
3012 Imperial St Jacksonville, FL	3.0	1.0	1089	$1,395	$1.28	23d	1	0.59mi
676 Bridal Ave Jacksonville, FL	3.0	2.0	1008	$1,450	$1.44	23d	1	0.60mi
2410 McQuade St Jacksonville, FL	3.0	2.0	1307	$1,425	$1.09	23d	1	0.61mi
3312 Ernest St Jacksonville, FL	3.0	1.0	1065	$1,148	$1.08	23d	1	0.66mi
3233 Dellwood Ave Jacksonville, FL	2.0	2.0	1000	$1,750	$1.75	23d	1	0.68mi
3353 Dellwood Ave Jacksonville, FL	3.0	1.0	934	$1,595	$1.71	17d	1	0.69mi
3609 Dellwood Ave Jacksonville, FL	2.0	2.0	936	$1,495	$1.60	23d	1	0.73mi
420 Sunshine St Jacksonville, FL	3.0	2.0	1050	$1,350	$1.29	1d	1	0.76mi
3313 Green St Jacksonville, FL	3.0	1.0	1058	$1,450	$1.37	7d	1	0.78mi
2980 Ernest St Jacksonville, FL	2.0	1.0	920	$1,200	$1.30	23d	1	0.78mi
3305 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	1012	$1,021	$1.01	23d	1	0.81mi
1037 Detroit St Jacksonville, FL	3.0	2.0	912	$1,250	$1.37	1d	1	0.82mi
809 McDuff Ave S Jacksonville, FL	2.0	1.0	1006	$995	$0.99	4d	1	0.82mi
2851 Sophia St Jacksonville, FL	2.0	1.0	846	$1,000	$1.18	23d	3	0.86mi
3350 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	900	$1,095	$1.22	23d	1	0.86mi
3036 Green St Jacksonville, FL	3.0	1.0	924	$1,495	$1.62	23d	1	0.87mi
3303 Broadway Ave Jacksonville, FL	3.0	2.0	1072	$1,550	$1.45	4d	1	0.87mi
3302 College St Jacksonville, FL	3.0	1.0	1174	$1,095	$0.93	7d	1	0.91mi
3352 College St Jacksonville, FL	3.0	2.0	1335	$1,550	$1.16	14d	1	0.91mi
2852 W 1st St Jacksonville, FL	2.0	1.0	800	$895	$1.12	7d	1	0.92mi
2862 W 1st St Unit 1 Jacksonville, FL	2.0	1.0	800	$895	$1.12	14d	1	0.93mi
2862 W 1st St Jacksonville, FL	2.0	1.0	800	$895	$1.12	4d	1	0.93mi
3233 Post St Jacksonville, FL	2.0	1.0	750	$1,095	$1.46	23d	1	0.94mi

Listing history 46 events

1. 2026-06-18
   days on market $138,000 Active 70 DOM
2. 2026-06-17
   days on market $138,000 Active 69 DOM
3. 2026-06-16
   days on market $138,000 Active 68 DOM
4. 2026-06-15
   days on market $138,000 Active 67 DOM
5. 2026-06-13
   days on market $138,000 Active 64 DOM
6. 2026-06-10
   days on market $138,000 Active 61 DOM
7. 2026-06-08
   days on market $138,000 Active 60 DOM
8. 2026-06-07
   days on market $138,000 Active 59 DOM
9. 2026-06-05
   days on market $138,000 Active 56 DOM
10. 2026-06-03
    days on market $138,000 Active 55 DOM
11. 2026-06-02
    days on market $138,000 Active 54 DOM
12. 2026-06-01
    days on market $138,000 Active 53 DOM
13. 2026-05-31
    days on market $138,000 Active 52 DOM
14. 2026-05-20
    price $138,000
15. 2026-05-05
    price $139,000
16. 2026-04-23
    price $149,000
17. 2026-04-09
    listed $155,000 Active
18. 2026-03-28
    historical $1,148
19. 2026-03-24
    listed $1,148
20. 2025-01-13
    historical $954
21. 2025-01-11
    historical $954
22. 2024-12-20
    price $954
23. 2024-12-19
    price $954
24. 2024-12-18
    price $1,053
25. 2024-12-18
    price $1,053
26. 2024-12-11
    price $1,188
27. 2024-12-11
    price $1,188
28. 2024-12-08
    historical 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

29. 2024-11-28
    price $1,225
30. 2024-11-28
    price $1,225
31. 2024-11-06
    status Active 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

32. 2024-11-06
    price $165,000 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

33. 2024-10-24
    historical 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

34. 2024-10-17
    listed $1,295
35. 2024-09-05
    historical $1,295
36. 2024-08-22
    listed $1,295
37. 2024-08-21
    listed $1,295
38. 2024-08-16
    price $169,500 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

39. 2024-08-05
    price $177,500 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

40. 2024-07-08
    price $179,000 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

41. 2024-06-11
    price $185,000 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

42. 2024-05-17
    price $189,900 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

43. 2024-04-25
    listed $195,000 Active 734-char remark

    Show marketing remark (734 chars)

    **Unbeatable incentives $2500 Sellers credit** Dual listed first come first serve- This listing qualifies for Ameris Bank's $20k assistance mortgage program, for $20,000 towards Down Payment, Closing Costs and/or Rate Buydown - Flyer attached**Step inside this fully renovated charm that will allure you to remove your shoes making yourself feel right at home.Let your feet sink in the comfort of the newly replaced lush carpet to match its freshly painted interior .Gather around your very own fireplace as you take in all the charm and comfort this home has to offer.Take note of the availability to enjoy outdoor living while on the covered front and back porch areas. Must experience, Take advantage and schedule a showing today.

44. 2019-05-22
    soldstatus $105,000 Sold 164-char remark

    Show marketing remark (164 chars)

    This newly renovated home is move in ready! It has 3 bedrooms and 1 bathrooms with 987 sq feet of living space and updates throughout. Call for your showing today!

45. 2019-01-16
    historical 164-char remark

    Show marketing remark (164 chars)

    This newly renovated home is move in ready! It has 3 bedrooms and 1 bathrooms with 987 sq feet of living space and updates throughout. Call for your showing today!

46. 2019-01-16
    listed $105,000 164-char remark

    Show marketing remark (164 chars)

    This newly renovated home is move in ready! It has 3 bedrooms and 1 bathrooms with 987 sq feet of living space and updates throughout. Call for your showing today!

ⓘ 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: $2,175 · $181/mo
• Projected year-2 tax: $2,175 · $181/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 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,863
• − Mortgage interest: −$7,730
• − Property taxes: −$2,175
• − Insurance: −$690
• − Repairs & maintenance: −$1,269
• − Management: −$1,269
• − Depreciation: −$4,015
• Taxable loss: −$1,285
• Est. tax savings @ 24.0%: +$308
• After-tax cash flow: $1,291/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): 13,927
• Household income: $34,953
• Rent vs Own: 50.2% rent · 49.8% own
• Severe rent burden: 882.0

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 0.56)
• Race & ethnicity: Black 60% White 28% Two or more races 7% Hispanic / Latino 5%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Slovak 1% Hispanic 1% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 2%

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: ▲ 3.41%
• Current HPI: 282.2981
• Rent YoY: ▲ 1.70%
• 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

+31.4% since first listed

33 events — show timeline

• 2026-05-20 Price Changed $138,000 realMLS
• 2026-05-05 Price Changed $139,000 realMLS
• 2026-04-23 Price Changed $149,000 realMLS
• 2026-04-09 Listed $155,000 realMLS
• 2026-03-28 Rental Removed $1,148 TENANTTURNER2
• 2026-03-24 Listed for Rent $1,148 TENANTTURNER2
• 2025-01-13 Rental Removed $954 SHOWMOJO
• 2025-01-11 Rental Removed $954 RENT.
• 2024-12-20 Price Changed $954 SHOWMOJO
• 2024-12-19 Price Changed $954 RENT.
• 2024-12-18 Price Changed $1,053 SHOWMOJO
• 2024-12-18 Price Changed $1,053 RENT.
• 2024-12-11 Price Changed $1,188 SHOWMOJO
• 2024-12-11 Price Changed $1,188 RENT.
• 2024-12-08 Listing Removed — realMLS
• 2024-11-28 Price Changed $1,225 SHOWMOJO
• 2024-11-28 Price Changed $1,225 RENT.
• 2024-11-06 Relisted — realMLS
• 2024-11-06 Price Changed $165,000 realMLS
• 2024-10-24 Listing Removed — realMLS
• 2024-10-17 Listed for Rent $1,295 SHOWMOJO
• 2024-09-05 Rental Removed $1,295 SHOWMOJO
• 2024-08-22 Listed for Rent $1,295 RENT.
• 2024-08-21 Listed for Rent $1,295 SHOWMOJO
• 2024-08-16 Price Changed $169,500 realMLS
• 2024-08-05 Price Changed $177,500 realMLS
• 2024-07-08 Price Changed $179,000 realMLS
• 2024-06-11 Price Changed $185,000 realMLS
• 2024-05-17 Price Changed $189,900 realMLS
• 2024-04-25 Listed $195,000 realMLS
• 2019-05-22 Sold (MLS) $105,000 realMLS
• 2019-01-16 Listed $105,000 realMLS
• 2019-01-16 Listing Removed — realMLS

Property tax history

+25.4%/yr

Latest (2025): $2,175 · +16.1% YoY. Source: county tax records.