5303 Sunderland · Jacksonville, FL 32210

$95,000

2 bd · 1.0 ba · 792 sqft · SingleFamily public records · 6 Days on market

Built 1951 6,969 sqft lot Est $122k · 22% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.0/10.0
• 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

Investor Special!!! Located in Jacksonville's historic Lakeshore neighborhood, 5303 Sunderland Rd is in a neighborhood that has a highly convenient, commuter-friendly lifestyle near downtown and the waterfront. The property needs significant repairs in order to bring it up to its true potential. Property is vacant.

Key facts

• Near downtown
• Near waterfront
• 6,969 sq ft lot

Tags

• COMMUTER-FRIENDLY LIFESTYLE
• NEAR DOWNTOWN
• NEAR WATERFRONT

Property features AI

Finance

• Other: Lot size approximately 0.16 acres
• HOA & community: Not a senior community

Exterior

• Parking: Off-street parking (other)
• Utilities: Public sewer; Electricity connected; Water connected; Sewer connected; Other utilities
• Home design: Single-family residence; Property is attached
• Construction: Other structures on the property
• Exterior features: Other exterior features

Interior

• Kitchen: Electric oven and electric range; Refrigerator
• Bedrooms: 2 bedrooms (both on the main level; one listed specifically as Bedroom 2, approximate dimensions 12' x 12')
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Wall/window air conditioning units
• Interior features: Total of 5 rooms
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $474 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Cap rate 12.3% 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 (+2.1%/yr); 443 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 2.1% rent growth), your $27k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $34k; list at $95k implies a 180% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1951 — 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 $95,000

Questions for the listing agent

1. Built in 1951 — 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: 1.40% ✓
• Cap rate: 12.28%
• Cash-on-cash: 21.39%
• DSCR: 1.95
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $121,968
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5163 Lexington Ave	0.37mi	2/1.0	835 (+5%)	3mo	$85,000	$102	72
5250 Fremont St	0.04mi	2/1.5	908 (+15%)	5mo	$220,000	$242	68
5166 Camille Ave	0.58mi	2/1.0	814 (+3%)	7mo	$125,000	$154	62
4801 Lexington Ave	0.61mi	3/1.0 (+1)	730 (-8%)	4mo	$80,000	$110	50
5037 Camille Ave	0.67mi	2/1.0	880 (+11%)	2mo	$160,000	$182	49
4916 Dundee Rd	0.51mi	2/1.0	898 (+13%)	7mo	$189,750	$211	48
2325 Hyde Park Rd	0.38mi	3/1.0 (+1)	900 (+14%)	15mo	$112,500	$125	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 · 2.11% rent growth · sell at horizon

5-year hold

• IRR: 13.0%
• Equity multiple: 1.51×
• Total profit: $13,599
• Equity at exit: $14,165

10-year hold

• IRR: 21.2%
• Equity multiple: 2.72×
• Total profit: $45,857
• Equity at exit: $8,214

Cash invested: $26,600 (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 32210

• Rents YoY: 2.1%
• Active inventory: 443
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,329 high
• Mortgage (P&I): −$498
• Tax from tax record: −$38 /mo · $459/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$279
• Net cashflow: $474

Break-even live

Break-even rent $729

Max offer price $95,000

Occupancy floor 59%

Sensitivity live

Price	-10% $528	-5% $501	+0% $474	+5% $447	+10% $420
Rent	-10% $369	-5% $422	+0% $474	+5% $527	+10% $579
Rate	-1.0pp $522	-0.5pp $498	base $474	+0.5pp $450	+1.0pp $425

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5215 San Juan Ave Jacksonville, FL	2.0	1.0	750	$1,075	$1.43	8d	1	0.32mi
3434 Blanding Blvd Jacksonville, FL	2.0–3.0	2.0	1101	$1,695	$1.54	4d	2	0.32mi
5214 Lexington Ave Jacksonville, FL	1.0	1.0	750	$745	$0.99	24d	1	0.34mi
2039 Niblick Dr Jacksonville, FL	1.0–2.0	1.0–2.0	847	$1,275	$1.51	3d	10	0.43mi
5615 San Juan Ave #208 Jacksonville, FL	2.0	2.0	1115	$1,200	$1.08	24d	1	0.46mi
5821 San Juan Ave Jacksonville, FL	1.0–3.0	1.0–2.0	1056	$1,165	$1.10	4d	7	0.54mi
6066 Wilson Blvd Jacksonville, FL	3.0	3.0	1097	$1,800	$1.64	24d	1	0.59mi
5139 Camille Ave Jacksonville, FL	3.0	2.0	1100	$1,625	$1.48	2d	1	0.64mi
6349 Kimberly Ln Jacksonville, FL	1.0	1.0	688	$1,095	$1.59	24d	1	0.71mi
4776 Cardinal Blvd Jacksonville, FL	3.0	1.0	959	$1,550	$1.62	24d	1	0.78mi
6511 San Juan Ave Jacksonville, FL	2.0	2.0	740	$1,200	$1.62	5d	1	0.89mi
4844 Merrimac Ave Jacksonville, FL	2.0	1.0	820	$1,325	$1.62	24d	1	0.94mi
4301 Confederate Point Rd Jacksonville, FL	3.0	1.0–2.0	1042	$1,412	$1.36	3d	39	0.98mi
6595 San Juan Ave Jacksonville, FL	1.0–2.0	1.0	846	$1,250	$1.48	20d	4	1.00mi
4375 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1125	$1,288	$1.14	3d	22	1.12mi
6746 Jack Horner Ln Jacksonville, FL	3.0	1.0	975	$1,450	$1.49	24d	1	1.14mi
4608 Wheeler Ave Jacksonville, FL	3.0	1.0	1025	$2,000	$1.95	24d	1	1.16mi
4455 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1045	$1,339	$1.28	2d	19	1.24mi
4586 Park St Rm 2 Jacksonville, FL	1.0	1.0	900	$700	$0.78	24d	1	1.25mi
6809 Miss Muffet Ln S Jacksonville, FL	3.0	1.0	1095	$1,475	$1.35	5d	1	1.25mi
1591 Lane Ave S Jacksonville, FL	1.0–3.0	1.0–2.0	954	$1,200	$1.26	24d	1	1.29mi
5351 Royce Ave Jacksonville, FL	3.0	1.0	1040	$1,600	$1.54	24d	1	1.32mi
5377 Royce Ave Jacksonville, FL	3.0	1.0	1040	$1,800	$1.73	18d	1	1.32mi
6863 Jack Horner Ln Jacksonville, FL	3.0	1.0	975	$1,095	$1.12	8d	1	1.33mi
6715 Cotton Tail Ln Jacksonville, FL	3.0	1.5	1120	$1,450	$1.29	15d	1	1.33mi
4343 Ortega Farms Cir Unit A Jacksonville, FL	2.0	1.0	800	$1,950	$2.44	24d	1	1.35mi
5363 Poppy Dr Jacksonville, FL	3.0	1.0	1040	$1,445	$1.39	21d	1	1.39mi
1406 Ellis Trace Dr W Jacksonville, FL	2.0	1.5	1028	$1,200	$1.17	17d	1	1.43mi
4249 Saint Johns Ave Jacksonville, FL	1.0	1.0	820	$1,495	$1.82	24d	1	1.49mi

Listing history 5 events

1. 2026-06-21
   days on market $95,000 Active 6 DOM
2. 2026-06-18
   days on market $95,000 Active 3 DOM
3. 2026-06-17
   days on market $95,000 Active 2 DOM
4. 2026-06-16
   remarks 317-char remark
5. 2026-06-16
   listed $95,000 Active 1 DOM

ⓘ 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: $459 · $38/mo
• Projected year-2 tax: $788 · $66/mo
• Expected delta: +$330/yr (+$27/mo · 71.8%)

ⓘ 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) · 10% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 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 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,953
• − Mortgage interest: −$5,321
• − Property taxes: −$459
• − Insurance: −$475
• − Repairs & maintenance: −$1,276
• − Management: −$1,276
• − Depreciation: −$2,764
• Taxable income: $4,381
• Est. tax owed @ 24.0%: −$1,052
• After-tax cash flow: $4,639/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): 65,729
• Household income: $61,050
• Rent vs Own: 42.6% rent · 57.4% own
• Severe rent burden: 3605.0

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 0.65)
• Race & ethnicity: White 43% Black 38% Hispanic / Latino 10% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3%
• Common ancestry: Slovak 2% Hispanic 2% Italian 1%
• Foreign-born: 10% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 7% French/Haitian/Cajun 2% Tagalog/Filipino 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: ▼ -314.81%
• Current HPI: 281.2688
• Rent YoY: ▲ 2.11%
• 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

+180.2% since first listed

2 events — show timeline

• 2026-06-15 Listed $95,000 realMLS
• 1995-08-29 Sold (Public Records) $33,900 Public Records

Property tax history

+6.1%/yr

Latest (2025): $459 · +70.4% YoY. Source: county tax records.