1453 14th St W · Jacksonville, FL 32209

$147,500

3 bd · 2.0 ba · 1,311 sqft · SingleFamily public records · 237 Days on market

Built 1943 4,791 sqft lot Est $191k · 23% under

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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).

• ARV discount +15.0/15.0
• Cash flow +12.5/30.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• 1% rule +3.8/10.0
• DSCR +3.7/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTOR SPECIAL. HOME BEING SOLD ''AS IS''. IN GOOD CONDITION, WITH A GARAGE APPARTMENT IN THE BACKYARD.

Key facts

• Separate back unit
• 4,791 sq ft lot
• Built 1943

Tags

• EXTENDED FAMILY ACCOMMODATIONS
• SEPARATE BACK UNIT
• CONVENIENT KITCHENETTE

Property features AI

Finance

• Financial info: Tax information available
• HOA & community: Not a senior community

Exterior

• Parking: Off-street parking
• Utilities: Electricity connected; Water connected; Sewer connected
• Home design: Single family residence; Residential single-family use
• Exterior features: Asphalt road access; Lot approximately 0.11 acres

Interior

• Kitchen: Electric range
• Bedrooms: 5 bedrooms
• Flooring: Tile flooring; Vinyl flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Central heating and central air conditioning; Electric range

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $148k.

Deal economics

• At list price, monthly cash flow is $-22 ($-265/yr) — negative.
• To cash-flow at today's rent, offer at most $144k (2.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $130k (12.2% below list).
• Recommended offer: $130k (12.2% below list) — sets the bar for 1% rule.
• Cap rate 6.1% 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 (+1.8%/yr); 394 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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).
• At $1,295/mo this rent would consume 51% of the median local household income ($31k/yr) (locally 2921% 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 $1k of loan paydown is wiped out by about $4k 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

• It's been on market 237 days — a 12% lower offer ($130k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 9y ago; this cycle's ask has dropped $12k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $129,529 (12.2% 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 237 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.88% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.64%
• DSCR: 0.97
• GRM: 9.5

CMA / ARV

• ARV (on-the-fly): $191,406
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1478 W 11th St	0.19mi	4/2.0 (+1)	1,360 (+4%)	2mo	$152,000	$112	79
1350 McConihe St	0.42mi	3/2.0	1,253 (-4%)	1mo	$190,000	$152	72
1337 W 22nd St W	0.39mi	4/2.0 (+1)	1,357 (+4%)	3mo	$198,000	$146	68
1136 W 25th St	0.64mi	3/2.0	1,267 (-3%)	0mo	$222,000	$175	64
2905 Pearce St	0.40mi	3/1.0	1,404 (+7%)	3mo	$74,000	$53	63
1404 W 18th St	0.17mi	3/1.0	1,120 (-15%)	2mo	$80,000	$71	62
1424 W 9th St	0.30mi	4/2.0 (+1)	1,462 (+12%)	3mo	$75,000	$51	60
1327 7th St W	0.46mi	3/2.0	1,152 (-12%)	2mo	$215,017	$187	57
1058 W 17th St	0.52mi	3/2.0	1,182 (-10%)	3mo	$200,000	$169	57
1318 W 5th St	0.64mi	3/1.0	1,224 (-7%)	3mo	$52,500	$43	53
1486 W 29th St	0.68mi	4/2.0 (+1)	1,235 (-6%)	4mo	$193,017	$156	51
1039 Scriven St	0.58mi	4/1.0 (+1)	1,492 (+14%)	1mo	$23,000	$15	40

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 · 1.81% rent growth · sell at horizon

5-year hold

• IRR: -18.7%
• Equity multiple: 0.35×
• Total profit: $-26,806
• Equity at exit: $21,993

10-year hold

• IRR: -13.7%
• Equity multiple: 0.25×
• Total profit: $-31,152
• Equity at exit: $12,753

Cash invested: $41,300 (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 32209

• Home prices YoY: -22.1%
• Rents YoY: 1.8%
• Active inventory: 394
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,295 high
• Mortgage (P&I): −$774
• Tax from tax record: −$210 /mo · $2,525/yr
• Insurance: −$61
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $-22

Break-even live

Break-even rent $1,323

Max offer price $143,595

Occupancy floor 97%

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: $36,875
• Closing costs: $4,425
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1525 W 15th St Jacksonville, FL	3.0	1.0	1100	$1,245	$1.13	23d	1	0.12mi
1410 W 20th St Jacksonville, FL	3.0	2.0	1170	$1,485	$1.27	14d	1	0.27mi
1359 W 20th St Jacksonville, FL	2.0	1.0	901	$1,134	$1.26	17d	1	0.31mi
1431 W 21st St Jacksonville, FL	3.0	2.0	1199	$1,425	$1.19	14d	1	0.34mi
2904 Moncrief Rd Jacksonville, FL	3.0	1.0	952	$1,100	$1.16	23d	1	0.41mi
1730 W 19th St Jacksonville, FL	3.0	2.0	1323	$1,100	$0.83	1d	1	0.44mi
1537 W 7th St Jacksonville, FL	3.0	1.0	950	$1,050	$1.11	7d	1	0.44mi
1537 7th St W Unit B Jacksonville, FL	3.0	1.0	950	$1,050	$1.11	23d	1	0.44mi
2306 Fairfax St Unit 1 Jacksonville, FL	3.0	1.0	900	$700	$0.78	23d	1	0.45mi
1740 W 9th St Jacksonville, FL	4.0	2.0	1148	$1,285	$1.12	20d	1	0.45mi
2324 Moncrief Rd Unit 2324 Jacksonville, FL	2.0	1.0	900	$900	$1.00	23d	1	0.49mi
1619 Whitner St Jacksonville, FL	3.0	2.0	1547	$1,150	$0.74	1d	1	0.51mi
1645 W 23rd St Unit 2 Jacksonville, FL	3.0	1.0	912	$1,275	$1.40	23d	1	0.52mi
1185 W 22nd St Unit U Jacksonville, FL	2.0	1.0	900	$850	$0.94	7d	1	0.53mi
1609 W 24th St Jacksonville, FL	3.0	2.0	1169	$1,223	$1.05	21d	1	0.54mi
1712 W 23rd St Jacksonville, FL	3.0	2.0	1200	$1,275	$1.06	23d	1	0.54mi
2313 Janette St Jacksonville, FL	4.0	2.0	1148	$1,349	$1.18	16d	1	0.56mi
1901 Pullman Ct Jacksonville, FL	2.0	1.0	969	$1,295	$1.34	7d	1	0.58mi
1708 W 24th St Jacksonville, FL	3.0	2.0	1428	$1,250	$0.88	7d	1	0.58mi
1478 W 5th St Jacksonville, FL	3.0	1.0	960	$1,225	$1.28	4d	1	0.60mi
1478 W 5th St Jacksonville, FL	3.0	1.0	960	$1,225	$1.28	23d	1	0.60mi
1355 Grothe St Jacksonville, FL	4.0	1.0	1312	$1,350	$1.03	17d	1	0.63mi
1464 N Myrtle Ave Jacksonville, FL	2.0	1.0	1136	$1,400	$1.23	23d	1	0.65mi
2210 Pullman Ave Jacksonville, FL	3.0	1.0	940	$1,050	$1.12	3d	1	0.66mi
1288 W 28th St Jacksonville, FL	4.0	1.5	1449	$1,267	$0.87	14d	1	0.68mi
1530 W 29th St Jacksonville, FL	3.0	2.0	1164	$1,385	$1.19	23d	1	0.70mi
1201 W 27th St Jacksonville, FL	3.0	2.0	1120	$1,145	$1.02	23d	1	0.71mi
1636 W 28th St Jacksonville, FL	3.0	2.0	912	$1,375	$1.51	23d	1	0.71mi
1934 Ella St Jacksonville, FL	3.0	1.0	1045	$1,095	$1.05	20d	1	0.71mi
1018 W 23rd St Jacksonville, FL	3.0	2.5	1161	$1,600	$1.38	23d	1	0.71mi
1220 W 28th St Jacksonville, FL	3.0	1.0	1122	$1,299	$1.16	23d	1	0.71mi
1640 W 4th St Unit 1 Jacksonville, FL	4.0	2.0	1119	$1,675	$1.50	20d	1	0.72mi
1173 W 27th St Jacksonville, FL	3.0	1.0	1080	$1,145	$1.06	14d	1	0.73mi
1842 W 26th St Jacksonville, FL	3.0	2.0	933	$1,200	$1.29	23d	1	0.75mi
1971 W 22nd St Jacksonville, FL	3.0	1.0	1094	$1,095	$1.00	7d	1	0.75mi
1968 W 23rd St Unit Main Jacksonville, FL	3.0	2.0	1106	$1,400	$1.27	21d	1	0.76mi
1744 W 28th St Jacksonville, FL	3.0	2.0	1556	$1,750	$1.12	23d	1	0.76mi
1788 W 5th St Jacksonville, FL	3.0	2.0	948	$1,295	$1.37	23d	1	0.76mi
2604 McMillan St Jacksonville, FL	3.0	1.0	912	$1,100	$1.21	21d	1	0.77mi
1830 W 27th St Jacksonville, FL	3.0	2.0	952	$1,375	$1.44	23d	1	0.77mi

Listing history 9 events

1. 2026-02-13
   price $149,900
2. 2026-02-13
   status Active
3. 2026-01-31
   historical
4. 2025-09-22
   listed $159,900 Active
5. 2022-02-01
   soldstatus $135,000
6. 2018-01-19
   soldstatus $69,300
7. 2017-09-20
   soldstatus $37,000 Sold 105-char remark

   Show marketing remark (105 chars)

   INVESTOR SPECIAL. HOME BEING SOLD ''AS IS''. IN GOOD CONDITION, WITH A GARAGE APPARTMENT IN THE BACKYARD.

8. 2017-07-18
   status Pending 105-char remark

   Show marketing remark (105 chars)

   INVESTOR SPECIAL. HOME BEING SOLD ''AS IS''. IN GOOD CONDITION, WITH A GARAGE APPARTMENT IN THE BACKYARD.

9. 2017-07-03
   listed $45,000 Active 105-char remark

   Show marketing remark (105 chars)

   INVESTOR SPECIAL. HOME BEING SOLD ''AS IS''. IN GOOD CONDITION, WITH A GARAGE APPARTMENT IN THE BACKYARD.

ⓘ 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: $2,525 · $210/mo
• Projected year-2 tax: $2,525 · $210/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 · 20 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: $15,543
• − Mortgage interest: −$8,262
• − Property taxes: −$2,525
• − Insurance: −$738
• − Repairs & maintenance: −$1,243
• − Management: −$1,243
• − Depreciation: −$4,291
• Taxable loss: −$2,759
• Est. tax savings @ 24.0%: +$662
• After-tax cash flow: $397/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): 34,657
• Household income: $30,514
• Rent vs Own: 53.0% rent · 47.0% own
• Severe rent burden: 2921.0

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: Predominantly Black (88%)
• Race & ethnicity: Black 88% White 5% Hispanic / Latino 5% Two or more races 2%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Hispanic 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% French/Haitian/Cajun 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: ▼ -53.92%
• Current HPI: 189.5977
• Rent YoY: ▲ 1.81%
• 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

+233.1% since first listed

9 events — show timeline

• 2026-02-13 Price Changed $149,900 realMLS
• 2026-02-13 Relisted — realMLS
• 2026-01-31 Listing Removed — realMLS
• 2025-09-22 Listed $159,900 realMLS
• 2022-02-01 Sold (Public Records) $135,000 Public Records
• 2018-01-19 Sold (Public Records) $69,300 Public Records
• 2017-09-20 Sold (MLS) $37,000 realMLS
• 2017-07-18 Pending — realMLS
• 2017-07-03 Listed $45,000 realMLS

Property tax history

+10.4%/yr

Latest (2025): $2,525 · +10.6% YoY. Source: county tax records.