1236 Jackson St · Cocoa, FL 32922

$139,900

3 bd · 2.0 ba · 1,062 sqft · SingleFamily public records · 46 Days on market

Built 1946 8,712 sqft lot

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Why this score? — see what drove the B- 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 +28.0/30.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• Schools +4.7/10.0
• Livability +3.6/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

Key facts

• 8,712 sq ft lot
• Parking
• Built 1946

Property features AI

Exterior

• Parking: Carport (1 space)
• Utilities: Septic tank; Electricity available and connected; Water available and connected; Sewer connected
• Home design: Single-family residence; One level; Entry on level 1; Facing south
• Construction: Block, frame, and stucco construction; Shingle roof; Pets allowed
• Exterior features: Front porch; Porch; Privacy wood fencing enclosing the back yard; Few trees on the lot; City street frontage with asphalt road

Interior

• Kitchen: Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Split bedrooms
• Laundry & utility: Washer hookup; Electric dryer hookup; In-unit laundry (lower level)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $437 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $136k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#344 in FL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime F, amenities F, employment D-.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Endeavour Elementary School (math 15% / reading 20%, grade F, #2,117 of 2,144 statewide, top 99%, 717 students, 72% FRL); Ronald Mcnair Magnet Middle School (math 58% / reading 50%, grade B-, #196 of 571 statewide, top 36%, 364 students, 58% FRL); Rockledge Senior High School (math 27% / reading 49%, grade F, #328 of 667 statewide, top 50%, 1,558 students, 50% FRL) — zoned schools average 60% FRL vs 43% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 36% at this address vs 55% district-wide (-18 pts) — the specific schools serving this property underperform the Brevard average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+4.1%/yr); 167 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 4.1% rent growth), your $39k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 46 days — a 3% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 14y 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.
• Current owner paid $82k; list at $140k implies a 70% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,703 (3.0% below list)

Questions for the listing agent

1. It's been on market 46 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1946 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.16% ✓
• Cap rate: 10.04%
• Cash-on-cash: 13.39%
• DSCR: 1.60
• GRM: 7.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.13% rent growth · sell at horizon

5-year hold

• IRR: 4.6%
• Equity multiple: 1.18×
• Total profit: $6,994
• Equity at exit: $20,860

10-year hold

• IRR: 14.9%
• Equity multiple: 2.27×
• Total profit: $49,586
• Equity at exit: $12,096

Cash invested: $39,172 (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 32922

• Home prices YoY: -20.3%
• Rents YoY: 4.1%
• Active inventory: 167
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,624 high
• Mortgage (P&I): −$734
• Tax from tax record: −$54 /mo · $649/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $437

Break-even live

Break-even rent $1,071

Max offer price $139,900

Occupancy floor 68%

Sensitivity live

Price	-10% $516	-5% $477	+0% $437	+5% $398	+10% $358
Rent	-10% $309	-5% $373	+0% $437	+5% $501	+10% $566
Rate	-1.0pp $508	-0.5pp $473	base $437	+0.5pp $401	+1.0pp $364

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 34 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
616 S Kentucky Ave Cocoa, FL	3.0	1.0	960	$1,600	$1.67	20d	1	0.30mi
516 Donley St Cocoa, FL	2.0	2.0	1485	$1,800	$1.21	20d	1	0.40mi
1515 Peachtree St Cocoa, FL	3.0	2.0	1056	$1,475	$1.40	24d	1	0.45mi
1105 Santa Rosa Dr Rockledge, FL	3.0	2.0	1096	$2,000	$1.82	24d	1	0.54mi
302 Palm Ave Cocoa, FL	2.0	1.0	820	$1,600	$1.95	15d	1	0.54mi
944 Kentucky Ave Rockledge, FL	3.0	2.0	1236	$1,945	$1.57	20d	1	0.57mi
317 Pineda St Unit B Cocoa, FL	2.0	1.0	984	$1,200	$1.22	15d	1	0.59mi
330 Palm Ave Unit PAL332 Cocoa, FL	2.0	1.0	700	$1,200	$1.71	24d	1	0.62mi
305 Prospect Ave Cocoa, FL	3.0	1.0	1180	$1,595	$1.35	24d	1	0.69mi
647 School St Cocoa, FL	2.0	1.0	844	$1,495	$1.77	24d	1	0.71mi
305 Edinburgh Dr Cocoa, FL	3.0	1.5	1280	$1,750	$1.37	24d	1	0.73mi
613 Paw Paw St Apt A Cocoa, FL	2.0	1.0	1104	$1,175	$1.06	24d	1	0.76mi
420 N Fiske Blvd Cocoa, FL	3.0	1.5	1382	$1,695	$1.23	24d	1	0.81mi
801 Washington St Unit B Cocoa, FL	2.0	1.0	700	$1,290	$1.84	24d	1	0.82mi
801 Washington St Unit A Cocoa, FL	3.0	1.5	1000	$1,760	$1.76	24d	1	0.82mi
1616 Terrace St Cocoa, FL	3.0	2.0	850	$1,600	$1.88	24d	1	0.89mi
1525 S Fiske Blvd Rockledge, FL	1.0–2.0	1.0	890	$1,500	$1.69	24d	1	1.11mi
800 N Fiske Blvd Cocoa, FL	1.0–2.0	1.0	850	$1,200	$1.41	24d	2	1.12mi
305 Laredo Dr Cocoa, FL	1.0–3.0	1.0–2.0	1481	$2,319	$1.57	15d	28	1.13mi
301 Forrest Ave Cocoa, FL	2.0	1.0–2.0	619	$1,699	$2.74	24d	5	1.13mi
118 Olive St Cocoa, FL	2.0	1.0	933	$1,350	$1.45	24d	1	1.15mi
1010 N Fiske Blvd Cocoa, FL	2.0	1.0–1.5	750	$1,275	$1.70	15d	8	1.17mi
802 Forrest Ave Unit B Cocoa, FL	2.0	1.0	1000	$1,500	$1.50	24d	1	1.23mi
14 Carmalt St Unit CSB105 Cocoa, FL	2.0	1.0	1000	$1,300	$1.30	24d	1	1.24mi
295 Royal Tern CIR Rockledge, FL	1.0–3.0	1.0–2.0	1020	$2,467	$2.42	15d	33	1.24mi
19 Highland St Cocoa, FL	2.0	1.0	728	$1,600	$2.20	24d	1	1.26mi
1105 Myrtle Ln Cocoa, FL	3.0	1.5	1232	$1,800	$1.46	15d	1	1.28mi
1050 N Fiske Blvd Cocoa, FL	1.0–2.0	1.0	708	$1,200	$1.69	24d	2	1.28mi
1050 N Fiske Blvd #406 Cocoa, FL	2.0	1.0	816	$1,200	$1.47	20d	1	1.29mi
1675 S Fiske Blvd #155 Rockledge, FL	2.0	2.0	1170	$1,750	$1.50	14d	1	1.31mi
412 Country Lane Dr Cocoa, FL	2.0	1.0	816	$1,300	$1.59	15d	1	1.34mi
1600 Woodland Dr Unit 1 Rockledge, FL	3.0	2.0	1426	$1,995	$1.40	15d	1	1.36mi
1711 Dixon Blvd Cocoa, FL	2.0	1.0	740	$1,262	$1.70	20d	2	1.45mi
1711 Dixon Blvd #246 Cocoa, FL	2.0	1.0	837	$1,350	$1.61	15d	1	1.46mi

Listing history 17 events

1. 2026-05-15
   status Pending
2. 2026-03-30
   listed $139,900 Active
3. 2025-08-29
   soldstatus $82,500 Closed 384-char remark

   Show marketing remark (384 chars)

   Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

4. 2025-08-29
   soldstatus $82,500

   Show marketing remark (384 chars)

   Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

5. 2025-08-24
   status Pending 384-char remark

   Show marketing remark (384 chars)

   Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

6. 2025-07-31
   price $99,900 384-char remark

   Show marketing remark (384 chars)

   Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

7. 2025-07-05
   price $119,900 384-char remark

   Show marketing remark (384 chars)

   Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

8. 2025-07-04
   status Active 384-char remark

   Show marketing remark (384 chars)

   Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

9. 2025-06-26
   status Pending 384-char remark

   Show marketing remark (384 chars)

   Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

10. 2025-06-08
    listed $124,900 Active 384-char remark

    Show marketing remark (384 chars)

    Investment Opportunity!! 3 bedroom, 1 bathroom house available immediately in South Cocoa. Conveniently located near 520 & Fiske, this location provides easy access to Cocoa Beach, Orlando, and everything the area has to offer. The house will need extensive renovation, including needing a new roof and new HVAC. The house is being sold strictly AS-IS. Cash only, no exceptions.

11. 2017-03-31
    soldstatus $900,000
12. 2012-10-22
    soldstatus $15,000 360-char remark

    Show marketing remark (360 chars)

    Great investment property, needs some minor repairs and a new A/C. Roof looks to be newer. Wood floors throughout most of home and large windows let in lots of light. Septic has been checked and is working. Kitchen cabinets are in great shape. Needs appliances. Has a large fenced-in yard. Two bedroom and possible third. Owner is a licensed real estate agent.

13. 2012-09-26
    listed $18,900 360-char remark

    Show marketing remark (360 chars)

    Great investment property, needs some minor repairs and a new A/C. Roof looks to be newer. Wood floors throughout most of home and large windows let in lots of light. Septic has been checked and is working. Kitchen cabinets are in great shape. Needs appliances. Has a large fenced-in yard. Two bedroom and possible third. Owner is a licensed real estate agent.

14. 2012-07-03
    soldstatus $10,000
15. 2012-02-11
    listed $19,999
16. 1980-08-01
    soldstatus $22,500
17. 1979-01-01
    soldstatus $9,000

ⓘ 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: $649 · $54/mo
• Projected year-2 tax: $1,161 · $97/mo
• Expected delta: +$512/yr (+$43/mo · 78.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,493
• − Mortgage interest: −$7,837
• − Property taxes: −$649
• − Insurance: −$700
• − Repairs & maintenance: −$1,559
• − Management: −$1,559
• − Depreciation: −$4,070
• Taxable income: $3,119
• Est. tax owed @ 24.0%: −$748
• After-tax cash flow: $4,498/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Cocoa

• Score: 72/100
• State rank: #344
• US rank: #5979

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cocoa, FL
• County: Brevard County · 602,871 people
• City population: 67,424
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 14,700
• Household income: $44,469
• Rent vs Own: 47.8% rent · 52.2% own
• Severe rent burden: 1007.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 45% Black 29% Hispanic / Latino 21% Two or more races 12%
• Hispanic origin (detail): Mexican 10% Puerto Rican 1% Cuban 4%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 1%
• Foreign-born: 14% · Canada
• Languages at home: 81% English-only · Spanish 16% German/W. Germanic 2%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.95%
• Current HPI: 271.1139
• Rent YoY: ▲ 4.13%
• Metro: Palm Bay-Melbourne-Titusville, 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

+1454.4% since first listed

17 events — show timeline

• 2026-05-15 Pending — SCMLS
• 2026-03-30 Listed $139,900 SCMLS
• 2025-08-29 Sold (Public Records) $82,500 Public Records
• 2025-08-29 Sold (MLS) $82,500 SCMLS
• 2025-08-24 Pending — SCMLS
• 2025-07-31 Price Changed $99,900 SCMLS
• 2025-07-05 Price Changed $119,900 SCMLS
• 2025-07-04 Relisted — SCMLS
• 2025-06-26 Pending — SCMLS
• 2025-06-08 Listed $124,900 SCMLS
• 2017-03-31 Sold (Public Records) $900,000 Public Records
• 2012-10-22 Sold (MLS) $15,000 SCMLS
• 2012-09-26 Listed $18,900 SCMLS
• 2012-07-03 Sold (MLS) $10,000 SCMLS
• 2012-02-11 Listed $19,999 SCMLS
• 1980-08-01 Sold (Public Records) $22,500 Public Records
• 1979-01-01 Sold (Public Records) $9,000 Public Records

Property tax history

+8.8%/yr

Latest (2025): $649 · +4.3% YoY. Source: county tax records.