3055 Oak Rd · Lakeside, FL 32065

$149,900

3 bd · 2.0 ba · 1,351 sqft · SingleFamily public records · 1 Days on market

Built 1960 0.29 ac lot Est $292k · 49% under

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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 +23.5/30.0
• ARV discount +15.0/15.0
• DSCR +7.5/10.0
• 1% rule +7.1/10.0
• Schools +5.1/10.0
• Rent growth +3.4/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

Key facts

• 0.29 acre lot
• Garage
• Built 1960

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $279 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Cap rate 8.5% vs local median 4.7% in Lakeside — 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 68/100 on livability (#505 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: amenities F, commute F, health & safety F.
• Clay (suburban): math 58% / reading 59% proficiency, ranked #14 of 73 in FL (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Orange Park Elementary School (math 87% / reading 87%, grade A+, #24 of 2,144 statewide, top 1%, 477 students, 30% FRL); Lakeside Junior High School (math 74% / reading 69%, grade A, #57 of 571 statewide, top 10%, 870 students, 43% FRL); Orange Park High School (math 30% / reading 47%, grade F, #321 of 667 statewide, top 49%, 1,810 students, 100% FRL) — zoned schools average 58% FRL vs 35% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.7%/yr); 209 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,876 units permitted in Clay County in 2024 (14 in 5+ unit buildings).

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.
• Clay County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 8y 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.

Risks & watch-outs

• 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 $149,900

Questions for the listing agent

1. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.21% ✓
• Cap rate: 8.52%
• Cash-on-cash: 7.97%
• DSCR: 1.35
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $291,816
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3043 Oak Rd	0.02mi	2/2.0 (-1)	1,345 (-0%)	13mo	$290,000	$216	83
1672 Sandy Hollow Loop	0.70mi	3/2.0	1,252 (-7%)	4mo	$285,000	$228	52
2684 Secret Harbor Dr	0.62mi	3/2.0	1,319 (-2%)	24mo	$270,000	$205	47
3506 Fortuna Dr	0.74mi	3/2.0	1,552 (+15%)	14mo	$325,000	$209	29

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 · 3.73% rent growth · sell at horizon

5-year hold

• IRR: -3.2%
• Equity multiple: 0.88×
• Total profit: $-5,095
• Equity at exit: $22,351

10-year hold

• IRR: 7.4%
• Equity multiple: 1.58×
• Total profit: $24,435
• Equity at exit: $12,961

Cash invested: $41,972 (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 32065

• Home prices YoY: -25.6%
• Rents YoY: 3.7%
• Active inventory: 209
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,818 high
• Mortgage (P&I): −$786
• Tax from tax record: −$309 /mo · $3,712/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$382
• Net cashflow: $279

Break-even live

Break-even rent $1,466

Max offer price $149,900

Occupancy floor 80%

Sensitivity live

Price	-10% $364	-5% $321	+0% $279	+5% $236	+10% $194
Rent	-10% $135	-5% $207	+0% $279	+5% $350	+10% $422
Rate	-1.0pp $354	-0.5pp $317	base $279	+0.5pp $240	+1.0pp $200

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2716 Secret Harbor Dr Orange Park, FL	3.0	2.0	1268	$1,695	$1.34	9d	1	0.72mi
2716 Secret Harbor Dr Orange Park, FL	3.0	2.0	1388	$1,695	$1.22	6d	1	0.72mi
1338 Pawnee St Orange Park, FL	3.0	2.0	1324	$1,905	$1.44	22d	1	1.01mi
2897 Gatling Blvd Orange Park, FL	3.0	2.0	1338	$1,650	$1.23	9d	1	1.08mi
1177 Kincross Ct Orange Park, FL	3.0	2.0	1426	$1,885	$1.32	25d	1	1.11mi
1333 Jefferson Ave Unit D Orange Park, FL	2.0	2.0	922	$1,325	$1.44	25d	1	1.14mi
1330 Jefferson Ave Orange Park, FL	2.0	2.0	922	$1,250	$1.36	18d	1	1.18mi
1248 Ticonderoga Trl Unit C Orange Park, FL	2.0	2.0	922	$1,195	$1.30	9d	1	1.19mi
1324 Jefferson Ave Orange Park, FL	2.0	2.0	922	$1,245	$1.35	4d	1	1.20mi
1324 Jefferson Ave Orange Park, FL	2.0	2.0	926	$1,245	$1.34	25d	1	1.20mi
1270 Ticonderoga Trl Unit C Orange Park, FL	2.0	2.0	922	$1,300	$1.41	25d	1	1.22mi
1620 Dartmouth Dr Middleburg, FL	3.0	2.0	1404	$1,885	$1.34	0d	1	1.25mi
1504 Pawnee St Orange Park, FL	3.0	2.0	1338	$1,795	$1.34	22d	1	1.25mi
1809 Dartmouth Dr Middleburg, FL	3.0	2.0	1702	$1,750	$1.03	25d	1	1.28mi
2375 Kirkwall St Orange Park, FL	3.0	2.0	1646	$1,850	$1.12	25d	1	1.30mi
1267 Suffolk Pl Orange Park, FL	3.0	2.0	1209	$1,820	$1.51	0d	1	1.35mi
1281 Independence Dr Orange Park, FL	3.0	2.0	1087	$1,695	$1.56	25d	1	1.38mi
2796 Kiowa Ave Orange Park, FL	3.0	2.0	1274	$1,855	$1.46	0d	1	1.41mi

Listing history 17 events

1. 2026-03-24
   status Pending
2. 2026-03-23
   listed $149,900 Active
3. 2022-09-22
   soldstatus $285,000 Sold 623-char remark

   Show marketing remark (623 chars)

   Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

4. 2022-09-22
   soldstatus $285,000

   Show marketing remark (623 chars)

   Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

5. 2022-09-02
   status Pending 623-char remark

   Show marketing remark (623 chars)

   Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

6. 2022-08-12
   historical Active - Contingent 623-char remark

   Show marketing remark (623 chars)

   Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

7. 2022-08-02
   price $285,000 623-char remark

   Show marketing remark (623 chars)

   Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

8. 2022-06-22
   status Active 623-char remark

   Show marketing remark (623 chars)

   Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

9. 2022-06-13
   historical Active - Contingent 623-char remark

   Show marketing remark (623 chars)

   Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

10. 2022-06-03
    listed $299,900 Active 623-char remark

    Show marketing remark (623 chars)

    Welcome home to this beautifully renovated home located on a large lot in the Doctors Lake Estate. As you enter, you will love the spacious open floor plan and beautiful luxury vinyl flooring throughout. Kitchen features new cabinets, granite countertops and stainless steel appliances. When the weather is nice, you and your family can take the entertaining outside in your large backyard surrounded by mature trees. Property also includes a detached block structure- one car garage plus carport. New roof, new HVAC, new plumbing. Home is within minutes of boat ramp, fishing, shopping, restaurants and NAS (navy base).

11. 2022-01-12
    soldstatus $152,000
12. 2018-07-24
    soldstatus $110,000
13. 2018-07-20
    soldstatus $110,000 Sold 277-char remark

    Show marketing remark (277 chars)

    THIS WILL BE A WONDERFUL HOME FOR SOMEONE! AND YOU WILL LOVE THE COMMUNITY! BLOCK CONSTRUCTION, HARDWOOD FLOORS. ROOF ABOUT 8YRS. HOME SITS ON A LARGE LOT. ALSO A DETACHED BLOCK STRUCTURE WHICH IS A ONE CAR GARAGE+CARPORT WITH A SEPARATE WORKSHOP. ELECT SERVICE RUNS TO GARAGE.

14. 2018-06-20
    status Pending 277-char remark

    Show marketing remark (277 chars)

    THIS WILL BE A WONDERFUL HOME FOR SOMEONE! AND YOU WILL LOVE THE COMMUNITY! BLOCK CONSTRUCTION, HARDWOOD FLOORS. ROOF ABOUT 8YRS. HOME SITS ON A LARGE LOT. ALSO A DETACHED BLOCK STRUCTURE WHICH IS A ONE CAR GARAGE+CARPORT WITH A SEPARATE WORKSHOP. ELECT SERVICE RUNS TO GARAGE.

15. 2018-06-09
    historical Active - Contingent 277-char remark

    Show marketing remark (277 chars)

    THIS WILL BE A WONDERFUL HOME FOR SOMEONE! AND YOU WILL LOVE THE COMMUNITY! BLOCK CONSTRUCTION, HARDWOOD FLOORS. ROOF ABOUT 8YRS. HOME SITS ON A LARGE LOT. ALSO A DETACHED BLOCK STRUCTURE WHICH IS A ONE CAR GARAGE+CARPORT WITH A SEPARATE WORKSHOP. ELECT SERVICE RUNS TO GARAGE.

16. 2018-06-07
    price $119,900 277-char remark

    Show marketing remark (277 chars)

    THIS WILL BE A WONDERFUL HOME FOR SOMEONE! AND YOU WILL LOVE THE COMMUNITY! BLOCK CONSTRUCTION, HARDWOOD FLOORS. ROOF ABOUT 8YRS. HOME SITS ON A LARGE LOT. ALSO A DETACHED BLOCK STRUCTURE WHICH IS A ONE CAR GARAGE+CARPORT WITH A SEPARATE WORKSHOP. ELECT SERVICE RUNS TO GARAGE.

17. 2018-05-01
    listed $125,000 Active 277-char remark

    Show marketing remark (277 chars)

    THIS WILL BE A WONDERFUL HOME FOR SOMEONE! AND YOU WILL LOVE THE COMMUNITY! BLOCK CONSTRUCTION, HARDWOOD FLOORS. ROOF ABOUT 8YRS. HOME SITS ON A LARGE LOT. ALSO A DETACHED BLOCK STRUCTURE WHICH IS A ONE CAR GARAGE+CARPORT WITH A SEPARATE WORKSHOP. ELECT SERVICE RUNS TO GARAGE.

ⓘ 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: $3,712 · $309/mo
• Projected year-2 tax: $3,712 · $309/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,820
• − Mortgage interest: −$8,397
• − Property taxes: −$3,712
• − Insurance: −$750
• − Repairs & maintenance: −$1,746
• − Management: −$1,746
• − Depreciation: −$4,361
• Taxable income: $1,110
• Est. tax owed @ 24.0%: −$267
• After-tax cash flow: $3,077/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: Clay
• NCES district ID: 1200300
• Math proficiency: 58% ▼ -8.00%
• Reading proficiency: 59% ▼ -3.00%
• Median HH income: $59,379
• Composite: 50.73/100
• National rank: #1815
• State rank: #14 of 73 in FL

Livability — Lakeside

• Score: 68/100
• State rank: #505
• US rank: #9341

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lakeside, FL
• County: Clay County · 208,450 people
• Metro: Jacksonville, FL
• Population (ZIP): 41,578
• Household income: $97,455
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 1129.0

Population outlook (Clay County) Hauer SSP2

• Today (2025): 230,495 people
• By 2030: 242,427 · +5.2%
• By 2040: 262,244 · +13.8%
• By 2050: 275,148 · +19.4%
• By 2075: 295,397 · +28.2%
• By 2100: 287,592 · +24.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 51% Black 20% Hispanic / Latino 15% Two or more races 15% Asian 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5% Cuban 3%
• Common ancestry: Lithuanian 4% Romanian 2% Portuguese 2%
• Foreign-born: 8% · Canada, China
• Languages at home: 88% English-only · Spanish 7% Tagalog/Filipino 3% Other Asian/Pacific 1%

Political lean MEDSL · Clay

• 2024 margin: Solid R (+39.3) · D 29.9% · R 69.2%
• 2008→2024 swing: +3.6pp toward D · 2008: -42.8pp · 2024: -39.3pp
• All cycles: 2024: R+39.3 2020: R+37.1 2016: R+44.3 2012: R+45.8 2008: R+42.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.13%
• Current HPI: 276.5987
• Rent YoY: ▲ 3.73%
• 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

+19.9% since first listed

17 events — show timeline

• 2026-03-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-23 Listed $149,900 Stellar MLS as Distributed by MLS Grid
• 2022-09-22 Sold (Public Records) $285,000 Public Records
• 2022-09-22 Sold (MLS) $285,000 realMLS
• 2022-09-02 Pending — realMLS
• 2022-08-12 Contingent — realMLS
• 2022-08-02 Price Changed $285,000 realMLS
• 2022-06-22 Relisted — realMLS
• 2022-06-13 Contingent — realMLS
• 2022-06-03 Listed $299,900 realMLS
• 2022-01-12 Sold (Public Records) $152,000 Public Records
• 2018-07-24 Sold (Public Records) $110,000 Public Records
• 2018-07-20 Sold (MLS) $110,000 realMLS
• 2018-06-20 Pending — realMLS
• 2018-06-09 Contingent — realMLS
• 2018-06-07 Price Changed $119,900 realMLS
• 2018-05-01 Listed $125,000 realMLS

Property tax history

+9.0%/yr

Latest (2025): $3,712 · +2.5% YoY. Source: county tax records.