2454 Ambrosia Dr · Lakeside, FL 32068

$199,900

3 bd · 2.0 ba · 1,496 sqft · SingleFamily public records · 14 Days on market

Built 1994 8,712 sqft lot Est $287k · 30% 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 +16.3/30.0
• ARV discount +15.0/15.0
• Schools +5.1/10.0
• DSCR +5.0/10.0
• 1% rule +4.9/10.0
• Livability +3.4/5.0
• Rent growth +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

Key facts

• 8,712 sq ft lot
• 2 garage spots
• Built 1994

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Single-family residence; One story
• Exterior features: Glass-enclosed patio

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Breakfast bar; Eat-in kitchen; Entrance foyer; Primary bath with tub and shower; Split bedroom layout; Vaulted ceilings; Walk-in closets; Fireplace (1)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $109 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $198k (0.8% below list).
• Recommended offer: $198k (0.8% below list) — sets the bar for 1% rule.
• Cap rate 6.9% 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: Swimming Pen Creek Elementary School (math 71% / reading 67%, grade A-, #399 of 2,144 statewide, top 19%, 509 students, 99% FRL); Lakeside Junior High School (math 74% / reading 69%, grade A, #57 of 571 statewide, top 10%, 870 students, 43% FRL); Fleming Island High School (math 57% / reading 70%, grade B-, #88 of 667 statewide, top 13%, 1,889 students, 21% FRL) — zoned schools average 55% FRL vs 35% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.4%/yr); 601 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $6k 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 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 11y 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 $198,221 (0.8% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.99% ✗
• Cap rate: 6.94%
• Cash-on-cash: 2.33%
• DSCR: 1.10
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $287,232
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2432 Ambrosia Dr	0.04mi	4/2.0 (+1)	1,506 (+1%)	5mo	$280,000	$186	87
2268 Felucca Dr	0.16mi	3/2.0	1,431 (-4%)	1mo	$275,000	$192	85
1994 Apopka Dr	0.28mi	3/2.0	1,458 (-2%)	1mo	$275,000	$189	82
2410 Cashmere Ct	0.05mi	3/2.0	1,302 (-13%)	0mo	$230,000	$177	76
2800 Bailey Way	0.38mi	3/2.0	1,438 (-4%)	5mo	$280,000	$195	71
1985 Apopka Dr	0.26mi	4/2.0 (+1)	1,589 (+6%)	3mo	$290,000	$183	70
2372 Tigress Ln	0.42mi	3/2.0	1,364 (-9%)	1mo	$270,000	$198	65
2237 Alderney Ct	0.39mi	3/2.0	1,333 (-11%)	1mo	$147,000	$110	63
2070 Tickford St	0.54mi	3/2.0	1,372 (-8%)	3mo	$282,000	$206	58
2058 Manucy Ct	0.42mi	3/2.0	1,698 (+14%)	3mo	$277,000	$163	55
2742 Woodsdale Dr	0.72mi	3/2.0	1,647 (+10%)	6mo	$380,000	$231	45
1935 St George Ct	0.74mi	3/2.0	1,716 (+15%)	1mo	$334,500	$195	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 · 3.35% rent growth · sell at horizon

5-year hold

• IRR: -12.2%
• Equity multiple: 0.56×
• Total profit: $-24,704
• Equity at exit: $29,806

10-year hold

• IRR: -2.4%
• Equity multiple: 0.83×
• Total profit: $-9,406
• Equity at exit: $17,284

Cash invested: $55,972 (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 32068

• Home prices YoY: -27.5%
• Rents YoY: 3.4%
• Active inventory: 601
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,982 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$326 /mo · $3,910/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$416
• Net cashflow: $109

Break-even live

Break-even rent $1,845

Max offer price $199,900

Occupancy floor 90%

Sensitivity live

Price	-10% $222	-5% $165	+0% $109	+5% $52	+10% $-5
Rent	-10% $-48	-5% $30	+0% $109	+5% $187	+10% $265
Rate	-1.0pp $209	-0.5pp $159	base $109	+0.5pp $57	+1.0pp $4

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1715 Farm Way Middleburg, FL	3.0	2.0	1208	$1,899	$1.57	8d	1	0.40mi

Listing history 50 events

1. 2026-06-13
   statusdays on market $199,900 Pending 14 DOM
2. 2026-06-13
   days on market $199,900 Active 13 DOM
3. 2026-06-09
   days on market $199,900 Active 10 DOM
4. 2026-06-08
   days on market $199,900 Active 9 DOM
5. 2026-06-07
   statusdays on market $199,900 Active 8 DOM
6. 2026-05-08
   status Pending
7. 2026-05-04
   listed $199,900 Active
8. 2015-10-30
   historical 267-char remark

   Show marketing remark (267 chars)

   Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

9. 2015-10-27
   historical Active - Contingent 267-char remark

   Show marketing remark (267 chars)

   Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

10. 2015-10-27
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

11. 2015-10-23
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

12. 2015-07-22
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

13. 2015-07-22
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

14. 2015-07-22
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

15. 2015-07-22
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

16. 2015-07-22
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

17. 2015-07-22
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

18. 2015-07-22
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

19. 2015-07-22
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

20. 2015-07-22
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

21. 2015-07-22
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

22. 2015-07-22
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

23. 2015-07-22
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

24. 2015-07-22
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

25. 2015-07-22
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

26. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

27. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

28. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

29. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

30. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

31. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

32. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

33. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

34. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

35. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

36. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

37. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

38. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

39. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

40. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

41. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

42. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

43. 2015-07-21
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

44. 2015-07-21
    historical 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

45. 2015-06-16
    historical Active - Contingent 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

46. 2015-06-12
    listed $114,500 Active 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

47. 2015-06-12
    price $105,000 267-char remark

    Show marketing remark (267 chars)

    Lovely 3 Bedroom 2 Bath Home with Bonus Room in Orange Park South! Perfect starter home featuring 3 year old roof, 5 year old central AC, 2 car garage, dining room, wood burning fireplace in family room, and completely fenced back yard. Low Property Taxes and No HOA.

48. 2006-05-10
    soldstatus $189,900
49. 2003-10-23
    soldstatus $119,600
50. 1999-04-23
    soldstatus $87,000

ⓘ 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: $3,910 · $326/mo
• Projected year-2 tax: $3,910 · $326/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 9/10 Extreme 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: $23,787
• − Mortgage interest: −$11,198
• − Property taxes: −$3,910
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,903
• − Management: −$1,903
• − Depreciation: −$5,815
• Taxable loss: −$1,942
• Est. tax savings @ 24.0%: +$466
• After-tax cash flow: $1,768/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

• County: Clay County · 208,450 people
• Metro: Jacksonville, FL
• Population (ZIP): 58,983
• Household income: $84,431
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 975.0

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: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 13% Two or more races 10% Black 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 87% English-only · Spanish 9% Arabic 1% German/W. Germanic 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: ▼ -115.99%
• Current HPI: 305.2531
• Rent YoY: ▲ 3.35%
• 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

+129.8% since first listed

45 events — show timeline

• 2026-05-08 Pending — realMLS
• 2026-05-04 Listed $199,900 realMLS
• 2015-10-30 Listing Removed — realMLS
• 2015-10-27 Contingent — realMLS
• 2015-10-27 Listing Removed — realMLS
• 2015-10-23 Contingent — realMLS
• 2015-07-22 Listing Removed — realMLS
• 2015-07-22 Contingent — realMLS
• 2015-07-22 Listing Removed — realMLS
• 2015-07-22 Contingent — realMLS
• 2015-07-22 Listing Removed — realMLS
• 2015-07-22 Contingent — realMLS
• 2015-07-22 Listing Removed — realMLS
• 2015-07-22 Contingent — realMLS
• 2015-07-22 Listing Removed — realMLS
• 2015-07-22 Contingent — realMLS
• 2015-07-22 Listing Removed — realMLS
• 2015-07-22 Contingent — realMLS
• 2015-07-22 Listing Removed — realMLS
• 2015-07-22 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-07-21 Contingent — realMLS
• 2015-07-21 Listing Removed — realMLS
• 2015-06-16 Contingent — realMLS
• 2015-06-12 Listed $114,500 realMLS
• 2015-06-12 Price Changed $105,000 realMLS
• 2006-05-10 Sold (Public Records) $189,900 Public Records
• 2003-10-23 Sold (Public Records) $119,600 Public Records
• 1999-04-23 Sold (Public Records) $87,000 Public Records

Property tax history

+12.5%/yr

Latest (2025): $3,910 · +6.9% YoY. Source: county tax records.