1959 W 14th St · Jacksonville, FL 32209

$119,900

4 bd · 2.0 ba · 1,267 sqft · SingleFamily public records · 116 Days on market

Built 1955 5,662 sqft lot Est $150k · 20% 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 +20.7/30.0
• ARV discount +15.0/15.0
• DSCR +6.6/10.0
• 1% rule +6.0/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Newly remodeled 4-bedroom, 2-bath home featuring a modern kitchen with granite countertops, new cabinets, and stainless steel appliances. This home boasts new bathrooms, new flooring, fresh interior and exterior paint. Updated plumbing and electric. Just minutes from Downtown Jacksonville, hospitals, local dining and entertainment. Schedule your private tour today!

Key facts

• Renovated property
• Refreshed bathrooms
• New a/c

Tags

• RENOVATED PROPERTY
• UPDATED KITCHEN
• REFRESHED BATHROOMS
• OPEN-CONCEPT LAYOUT
• INTERIOR LAUNDRY ROOM
• NEW A/C

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Off-street parking
• Utilities: Public sewer; Sewer connected; Water available
• Home design: Single family residence; One level
• Exterior features: Lot approximately 0.13 acres; No private pool

Interior

• Kitchen: Microwave
• Bedrooms: 4 bedrooms
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Primary bathroom with tub and shower; Microwave
• Laundry & utility: Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $162 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $109k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.9% 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 $1,323/mo this rent would consume 52% 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 $829 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 116 days — a 9% lower offer ($109k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 7y ago; this cycle's ask has dropped $14k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $55k; list at $120k implies a 118% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1955 — 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 $109,109 (9.0% below list)

Questions for the listing agent

1. It's been on market 116 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — 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: 1.10% ✓
• Cap rate: 7.92%
• Cash-on-cash: 5.80%
• DSCR: 1.26
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $149,506
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1932 College Cir N	0.48mi	3/2.0 (-1)	1,298 (+2%)	4mo	$174,000	$134	65
1723 University St	0.40mi	3/2.0 (-1)	1,356 (+7%)	1mo	$137,000	$101	64
1916 Cotant St	0.75mi	3/2.0 (-1)	1,290 (+2%)	1mo	$120,000	$93	56
1478 W 11th St	0.69mi	4/2.0	1,360 (+7%)	2mo	$152,000	$112	54
1534 W 7th St	0.74mi	4/2.0	1,323 (+4%)	5mo	$62,000	$47	54
1783 W 10th St	0.32mi	3/2.0 (-1)	1,084 (-14%)	3mo	$211,020	$195	53
2324 W 16th St	0.61mi	3/2.0 (-1)	1,164 (-8%)	1mo	$175,000	$150	52
2905 Pearce St	0.42mi	3/1.0 (-1)	1,404 (+11%)	3mo	$74,000	$53	51
2229 W 12th St	0.47mi	3/2.0 (-1)	1,100 (-13%)	1mo	$135,000	$123	50
1650 W 14th St	0.38mi	3/1.0 (-1)	1,109 (-12%)	5mo	$131,000	$118	49
3631 Effee St	0.59mi	3/2.0 (-1)	1,120 (-12%)	1mo	$74,000	$66	47
1485 W 22nd St	0.73mi	3/2.0 (-1)	1,152 (-9%)	5mo	$195,017	$169	42

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: -8.7%
• Equity multiple: 0.68×
• Total profit: $-10,601
• Equity at exit: $17,877

10-year hold

• IRR: -0.9%
• Equity multiple: 0.94×
• Total profit: $-1,974
• Equity at exit: $10,367

Cash invested: $33,572 (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: 7.5×

Monthly cashflow live

• Estimated rent: $1,323 high
• Mortgage (P&I): −$629
• Tax from tax record: −$204 /mo · $2,454/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $162

Break-even live

Break-even rent $1,118

Max offer price $119,900

Occupancy floor 83%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2210 Pullman Ave Jacksonville, FL	3.0	1.0	940	$1,050	$1.12	3d	1	0.08mi
2604 McMillan St Jacksonville, FL	3.0	1.0	912	$1,100	$1.21	21d	1	0.15mi
2116 McMillan St Jacksonville, FL	3.0	1.5	1120	$1,425	$1.27	21d	1	0.16mi
2306 Fairfax St Unit 1 Jacksonville, FL	3.0	1.0	900	$700	$0.78	23d	1	0.22mi
2134 Danson St Jacksonville, FL	3.0	1.5	1080	$995	$0.92	3d	1	0.28mi
2134 Danson St Jacksonville, FL	3.0	1.5	1080	$995	$0.92	4d	1	0.28mi
1934 Ella St Jacksonville, FL	3.0	1.0	1045	$1,095	$1.05	20d	1	0.31mi
1730 W 19th St Jacksonville, FL	3.0	2.0	1323	$1,100	$0.83	1d	1	0.34mi
2138 W 17th St Jacksonville, FL	3.0	1.0	1158	$1,425	$1.23	4d	1	0.35mi
1971 W 22nd St Jacksonville, FL	3.0	1.0	1094	$1,095	$1.00	7d	1	0.37mi
2169 W 14th St Jacksonville, FL	3.0	1.0	972	$1,200	$1.23	3d	1	0.39mi
1740 W 9th St Jacksonville, FL	4.0	2.0	1148	$1,285	$1.12	20d	1	0.39mi
1968 W 23rd St Unit Main Jacksonville, FL	3.0	2.0	1106	$1,400	$1.27	21d	1	0.40mi
1733 McMillan St Jacksonville, FL	3.0	2.0	1211	$1,265	$1.04	4d	1	0.41mi
2415 N Canal St Jacksonville, FL	4.0	2.0	1572	$1,475	$0.94	19d	1	0.42mi
1721 Campus St Jacksonville, FL	3.0	2.0	909	$1,400	$1.54	23d	1	0.46mi
1712 W 23rd St Jacksonville, FL	3.0	2.0	1200	$1,275	$1.06	23d	1	0.49mi
2319 Almeda St Jacksonville, FL	3.0	1.0	1200	$1,078	$0.90	1d	1	0.50mi
1708 W 24th St Jacksonville, FL	3.0	2.0	1428	$1,250	$0.88	7d	1	0.54mi
1645 W 23rd St Unit 2 Jacksonville, FL	3.0	1.0	912	$1,275	$1.40	23d	1	0.55mi
1525 W 15th St Jacksonville, FL	3.0	1.0	1100	$1,245	$1.13	23d	1	0.56mi
1842 W 26th St Jacksonville, FL	3.0	2.0	933	$1,200	$1.29	23d	1	0.56mi
1511 W 15th St Jacksonville, FL	5.0	3.0	1720	$2,100	$1.22	23d	1	0.57mi
1866 W 6th St Jacksonville, FL	3.0	1.0	1064	$1,120	$1.05	4d	1	0.58mi
1934 W 6th St Jacksonville, FL	3.0	1.0	948	$1,125	$1.19	23d	1	0.58mi
1830 W 27th St Jacksonville, FL	3.0	2.0	952	$1,375	$1.44	23d	1	0.61mi
1609 W 24th St Jacksonville, FL	3.0	2.0	1169	$1,223	$1.05	21d	1	0.62mi
2345 W 15th St Jacksonville, FL	3.0	2.0	1112	$1,400	$1.26	23d	1	0.66mi
1788 W 5th St Jacksonville, FL	3.0	2.0	948	$1,295	$1.37	23d	1	0.66mi
1837 W 28th St Jacksonville, FL	3.0	2.0	1333	$1,600	$1.20	23d	1	0.68mi
1744 W 28th St Jacksonville, FL	3.0	2.0	1556	$1,750	$1.12	23d	1	0.68mi
2344 W 18th St Jacksonville, FL	3.0	1.5	1129	$1,425	$1.26	14d	1	0.68mi
2011 W 5th St Jacksonville, FL	3.0	1.0	988	$1,150	$1.16	23d	1	0.69mi
1319 Woods St Jacksonville, FL	3.0	2.0	1103	$1,221	$1.11	23d	1	0.69mi
1537 W 7th St Jacksonville, FL	3.0	1.0	950	$1,050	$1.11	7d	1	0.70mi
1537 7th St W Unit B Jacksonville, FL	3.0	1.0	950	$1,050	$1.11	23d	1	0.70mi
1911 W 3rd St Jacksonville, FL	3.0	1.0	912	$1,050	$1.15	4d	1	0.70mi
1737 W 28th St Jacksonville, FL	3.0	1.0	1105	$700	$0.63	23d	1	0.71mi
1995 W 4th St Jacksonville, FL	4.0	1.5	1213	$1,375	$1.13	23d	1	0.71mi
1863 W 29th St Jacksonville, FL	3.0	2.0	956	$1,190	$1.24	21d	1	0.72mi

Listing history 34 events

1. 2026-06-18
   days on market $119,900 Active 116 DOM
2. 2026-06-17
   days on market $119,900 Active 115 DOM
3. 2026-06-16
   days on market $119,900 Active 114 DOM
4. 2026-06-15
   days on market $119,900 Active 113 DOM
5. 2026-06-10
   days on market $119,900 Active 107 DOM
6. 2026-06-08
   days on market $119,900 Active 106 DOM
7. 2026-06-07
   days on market $119,900 Active 105 DOM
8. 2026-06-03
   status $119,900 Active 101 DOM
9. 2026-05-25
   status Pending
10. 2026-05-05
    price $119,900
11. 2026-03-23
    price $129,900
12. 2026-03-11
    status Active
13. 2026-03-03
    status Pending
14. 2026-02-04
    listed $133,500 Active
15. 2025-12-15
    listed $5,000 Active
16. 2025-05-28
    historical 367-char remark

    Show marketing remark (367 chars)

    Newly remodeled 4-bedroom, 2-bath home featuring a modern kitchen with granite countertops, new cabinets, and stainless steel appliances. This home boasts new bathrooms, new flooring, fresh interior and exterior paint. Updated plumbing and electric. Just minutes from Downtown Jacksonville, hospitals, local dining and entertainment. Schedule your private tour today!

17. 2025-03-05
    price $169,900 367-char remark

    Show marketing remark (367 chars)

    Newly remodeled 4-bedroom, 2-bath home featuring a modern kitchen with granite countertops, new cabinets, and stainless steel appliances. This home boasts new bathrooms, new flooring, fresh interior and exterior paint. Updated plumbing and electric. Just minutes from Downtown Jacksonville, hospitals, local dining and entertainment. Schedule your private tour today!

18. 2024-11-28
    listed $179,900 Active 367-char remark

    Show marketing remark (367 chars)

    Newly remodeled 4-bedroom, 2-bath home featuring a modern kitchen with granite countertops, new cabinets, and stainless steel appliances. This home boasts new bathrooms, new flooring, fresh interior and exterior paint. Updated plumbing and electric. Just minutes from Downtown Jacksonville, hospitals, local dining and entertainment. Schedule your private tour today!

19. 2022-02-04
    soldstatus $55,000 Sold
20. 2021-12-02
    status Pending
21. 2021-11-19
    historical Active - Contingent
22. 2021-11-13
    listed $55,000 Active
23. 2020-10-12
    status Pending
24. 2020-10-12
    historical
25. 2020-08-25
    status Active
26. 2020-08-03
    status Pending
27. 2020-07-24
    historical Active - Contingent
28. 2020-03-18
    price $39,900
29. 2020-01-27
    listed $45,000 Active
30. 2019-06-14
    historical
31. 2019-05-15
    price $35,000
32. 2019-05-14
    status Active
33. 2019-05-07
    historical
34. 2019-03-07
    listed $29,800 Active

ⓘ 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: $2,454 · $204/mo
• Projected year-2 tax: $2,454 · $204/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 (shaded) · 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 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,882
• − Mortgage interest: −$6,716
• − Property taxes: −$2,454
• − Insurance: −$600
• − Repairs & maintenance: −$1,271
• − Management: −$1,271
• − Depreciation: −$3,488
• Taxable income: $83
• Est. tax owed @ 24.0%: −$20
• After-tax cash flow: $1,928/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

+302.3% since first listed

26 events — show timeline

• 2026-05-25 Pending — realMLS
• 2026-05-05 Price Changed $119,900 realMLS
• 2026-03-23 Price Changed $129,900 realMLS
• 2026-03-11 Relisted — realMLS
• 2026-03-03 Pending — realMLS
• 2026-02-04 Listed $133,500 realMLS
• 2025-12-15 Listed $5,000 NFMLS
• 2025-05-28 Listing Removed — realMLS
• 2025-03-05 Price Changed $169,900 realMLS
• 2024-11-28 Listed $179,900 realMLS
• 2022-02-04 Sold (MLS) $55,000 realMLS
• 2021-12-02 Pending — realMLS
• 2021-11-19 Contingent — realMLS
• 2021-11-13 Listed $55,000 realMLS
• 2020-10-12 Pending — realMLS
• 2020-10-12 Listing Removed — realMLS
• 2020-08-25 Relisted — realMLS
• 2020-08-03 Pending — realMLS
• 2020-07-24 Contingent — realMLS
• 2020-03-18 Price Changed $39,900 realMLS
• 2020-01-27 Listed $45,000 realMLS
• 2019-06-14 Listing Removed — realMLS
• 2019-05-15 Price Changed $35,000 realMLS
• 2019-05-14 Relisted — realMLS
• 2019-05-07 Listing Removed — realMLS
• 2019-03-07 Listed $29,800 realMLS

Property tax history

+26.7%/yr

Latest (2025): $2,454 · +115.1% YoY. Source: county tax records.