11530 Holton Ln · Jacksonville, FL 32219

$92,000

3 bd · 2.0 ba · 1,404 sqft · Manufactured public records · 43 Days on market

Built 2004 1.47 ac lot Est $102k · 10% 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 +12.1/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

Key facts

• Covered front porch
• Large lot
• Wooded views

Tags

• LARGE LOT
• WOODED VIEWS
• KITCHEN WITH ISLAND
• COVERED FRONT PORCH

Property features AI

Finance

• Other: Lot approximately 1.47 acres

Exterior

• Parking: Other parking
• Security: Smoke detector(s)
• Utilities: Septic tank; Electricity connected; Water connected
• Home design: Manufactured home; Used as residential manufactured home
• Construction: Shingle roof
• Exterior features: Covered patio/porch; Deck; Front porch; Smoke detector(s)

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Ceiling fan(s); Kitchen island; Primary bathroom with tub and separate shower; Split bedroom floorplan; Walk-in closet(s)
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $92k.

Deal economics

• At list price, monthly cash flow is $867 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $92k).
• Recommended offer: $89k (3.0% below list) — sets the bar for market timing.
• Cap rate 17.6% 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 soft (-0.2%/yr); 546 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 33% of the median local income ($72k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $636 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 + 0.0% rent growth), your $26k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 13y 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 $71k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 2.6% of price.
• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $89,240 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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.
6. 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.
7. 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: 2.19% ✓
• Cap rate: 17.60%
• Cash-on-cash: 40.37%
• DSCR: 2.80
• GRM: 3.8

CMA / ARV

• ARV (on-the-fly): $102,492
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8025 Plummer Rd	0.49mi	3/2.0	1,444 (+3%)	15mo	$106,000	$73	60

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 33.2%
• Equity multiple: 2.34×
• Total profit: $34,483
• Equity at exit: $13,717

10-year hold

• IRR: 38.4%
• Equity multiple: 4.05×
• Total profit: $78,672
• Equity at exit: $7,954

Cash invested: $25,760 (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 32219

• Home prices YoY: -22.3%
• Rents YoY: -0.2%
• Active inventory: 546
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $2,011 high
• Mortgage (P&I): −$482
• Tax from tax record: −$201 /mo · $2,413/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$422
• Net cashflow: $867

Break-even live

Break-even rent $914

Max offer price $92,000

Occupancy floor 52%

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: $23,000
• Closing costs: $2,760
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11614 Rainbow Springs Ct Jacksonville, FL	3.0	2.0	1605	$1,960	$1.22	17d	1	0.88mi
7843 Greatford Way Jacksonville, FL	3.0	2.0	1484	$1,779	$1.20	21d	1	0.93mi
10728 Old Kings Rd Jacksonville, FL	3.0	1.5	1036	$1,400	$1.35	23d	1	1.09mi
7053 Civic Club Dr Jacksonville, FL	4.0	2.5	1771	$2,180	$1.23	4d	1	1.27mi
6407 Timber Cove Ct Jacksonville, FL	3.0	2.0	1541	$2,049	$1.33	3d	1	1.31mi

Listing history 31 events

1. 2026-06-07
   statusdays on market $92,000 Pending 43 DOM
2. 2026-06-05
   days on market $92,000 Active 42 DOM
3. 2026-06-03
   days on market $92,000 Active 41 DOM
4. 2026-06-02
   days on market $92,000 Active 40 DOM
5. 2026-06-01
   days on market $92,000 Active 39 DOM
6. 2026-05-31
   days on market $92,000 Active 38 DOM
7. 2026-04-23
   listed $92,000 Active
8. 2016-12-28
   soldstatus $70,900
9. 2016-12-22
   soldstatus $70,900 Sold 516-char remark

   Show marketing remark (516 chars)

   Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

10. 2016-11-02
    status Pending 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

11. 2016-10-18
    price $74,900 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

12. 2016-10-11
    price $79,900 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

13. 2016-10-05
    price $81,900 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

14. 2016-06-19
    price $89,900 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

15. 2016-06-19
    price $123,400 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

16. 2016-06-19
    price $94,900 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

17. 2016-06-19
    price $118,400 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

18. 2016-06-19
    price $113,400 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

19. 2016-06-19
    price $108,400 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

20. 2016-06-19
    price $99,999 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

21. 2016-06-19
    price $84,900 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

22. 2016-06-19
    price $121,400 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

23. 2016-06-19
    listed $125,900 Active 516-char remark

    Show marketing remark (516 chars)

    Great opportunity to own your home and relax away from the hustle and bustle of city life on a 1.5 acres lot. This move-in ready manufactered home features new roof 2016,fresh interior paint and new carpet;new washer and dryer large kitchen/dining area;split bedroom floor plan and spacious rooms. You will love the large master suite, spacious walk-in closet and master bath with garden tub. Bring your fire pit to enjoy the sunset or sit on the open deck porch or screened in porch to enjoy coffee or read a book.

24. 2013-07-02
    soldstatus $14,000
25. 2013-05-22
    soldstatus $14,000 89-char remark

    Show marketing remark (89 chars)

    Mobile home on property has no value. Value is in the land. Seller owned selling as-is.

26. 2013-05-22
    soldstatus $14,000

    Show marketing remark (89 chars)

    Mobile home on property has no value. Value is in the land. Seller owned selling as-is.

27. 2013-01-12
    listed $18,900 89-char remark

    Show marketing remark (89 chars)

    Mobile home on property has no value. Value is in the land. Seller owned selling as-is.

28. 2013-01-12
    listed $18,900

    Show marketing remark (89 chars)

    Mobile home on property has no value. Value is in the land. Seller owned selling as-is.

29. 1999-02-11
    soldstatus $17,000
30. 1993-01-12
    soldstatus $36,160
31. 1992-12-01
    soldstatus $31,000

ⓘ 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: $2,413 · $201/mo
• Projected year-2 tax: $2,413 · $201/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 5/10 Major FEMA zone X (unshaded) · 48% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,130
• − Mortgage interest: −$5,153
• − Property taxes: −$2,413
• − Insurance: −$460
• − Repairs & maintenance: −$1,930
• − Management: −$1,930
• − Depreciation: −$2,676
• Taxable income: $9,567
• Est. tax owed @ 24.0%: −$2,296
• After-tax cash flow: $8,104/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): 14,302
• Household income: $72,184
• Rent vs Own: 17.2% rent · 82.8% own
• Severe rent burden: 173.0

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: Majority Black (55%)
• Race & ethnicity: Black 55% White 39% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Italian 2% Romanian 1% Hispanic 1%
• Foreign-born: 4% · Canada, Jamaica
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 0%

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: ▼ -75.90%
• Current HPI: 263.8901
• Rent YoY: ▼ -0.25%
• 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

+196.8% since first listed

25 events — show timeline

• 2026-04-23 Listed $92,000 realMLS
• 2016-12-28 Sold (Public Records) $70,900 Public Records
• 2016-12-22 Sold (MLS) $70,900 realMLS
• 2016-11-02 Pending — realMLS
• 2016-10-18 Price Changed $74,900 realMLS
• 2016-10-11 Price Changed $79,900 realMLS
• 2016-10-05 Price Changed $81,900 realMLS
• 2016-06-19 Price Changed $121,400 realMLS
• 2016-06-19 Price Changed $84,900 realMLS
• 2016-06-19 Price Changed $99,999 realMLS
• 2016-06-19 Price Changed $108,400 realMLS
• 2016-06-19 Price Changed $113,400 realMLS
• 2016-06-19 Price Changed $118,400 realMLS
• 2016-06-19 Price Changed $94,900 realMLS
• 2016-06-19 Price Changed $123,400 realMLS
• 2016-06-19 Price Changed $89,900 realMLS
• 2016-06-19 Listed $125,900 realMLS
• 2013-07-02 Sold (Public Records) $14,000 Public Records
• 2013-05-22 Sold (MLS) $14,000 realMLS
• 2013-05-22 Sold (MLS) $14,000 realMLS
• 2013-01-12 Listed $18,900 realMLS
• 2013-01-12 Listed $18,900 realMLS
• 1999-02-11 Sold (Public Records) $17,000 Public Records
• 1993-01-12 Sold (Public Records) $36,160 Public Records
• 1992-12-01 Sold (Public Records) $31,000 Public Records

Property tax history

+5.6%/yr

Latest (2025): $2,413 · +15.2% YoY. Source: county tax records.