7026 St Ives Ct · Jacksonville, FL 32244

$175,000

3 bd · 3.0 ba · 1,661 sqft · SingleFamily public records · 355 Days on market

Built 2009 2,178 sqft lot Est $271k · 35% under $211/mo HOA · 12% of rent

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Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Cash flow +10.4/30.0
• 1% rule +5.2/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.1/5.0
• DSCR +3.0/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Built in 2009, this Jacksonville two-story offers a breakfast bar, loft den, backyard patio, and one-car garage. Upgraded features include new carpeting and fresh interior paint. Home comes with a 30-day satisfaction guarantee. Terms and conditions apply.

Key facts

• Two story townhouse
• Open layout
• Shaded patio

Tags

• TWO STORY TOWNHOUSE
• VERSATILE LOFT
• OPEN LAYOUT
• SHADED PATIO

Property features AI

Finance

• HOA & community: Homeowners association with a monthly fee of $211; Not a senior community

Exterior

• Parking: Garage (1 car)
• Utilities: Cable available
• Home design: Townhouse; Two levels; Attached property
• Exterior features: No private pool; Lot approximately 0.05 acres

Interior

• Kitchen: Dishwasher; Electric oven
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Dishwasher; Electric oven

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $-94 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $158k (9.5% below list).
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
• Cap rate 5.6% 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 rising (+2.2%/yr); 349 active listings in the ZIP; 40 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 34% of the median local income ($62k/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 $1k of loan paydown is wiped out by about $5k 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 355 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 17y ago; this cycle's ask has dropped $14k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $149k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $154,000 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 355 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 1.02% ✓
• Cap rate: 5.65%
• Cash-on-cash: -2.31%
• DSCR: 0.90
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $270,743
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6508 Timmerman Ct	0.17mi	3/2.5	1,535 (-8%)	8mo	$222,020	$145	71
7348 Ironside Dr W	0.38mi	3/2.0	1,590 (-4%)	2mo	$267,400	$168	70
6776 Jammes Rd	0.43mi	4/2.0 (+1)	1,652 (-0%)	9mo	$269,900	$163	63
7319 Bunker Ct	0.39mi	4/2.0 (+1)	1,869 (+12%)	3mo	$290,000	$155	50
6253 N Ironside Dr	0.36mi	4/2.0 (+1)	1,869 (+12%)	5mo	$289,900	$155	49
6827 Morse Oaks Dr	0.46mi	4/2.0 (+1)	1,827 (+10%)	7mo	$275,000	$151	47
6291 Ironside Dr S	0.46mi	4/2.0 (+1)	1,869 (+12%)	3mo	$288,000	$154	46
7418 Plantation Club Dr	0.54mi	3/2.0	1,878 (+13%)	4mo	$305,000	$162	46
7539 Mishkie Dr	0.71mi	3/2.0	1,503 (-10%)	2mo	$305,000	$203	45
7551 Mishkie Dr	0.74mi	4/2.0 (+1)	1,781 (+7%)	0mo	$318,750	$179	44
6908 Recreation Trl	0.74mi	3/2.0	1,543 (-7%)	8mo	$280,000	$181	42
6718 Morse Glen Ln	0.72mi	3/2.0	1,465 (-12%)	2mo	$256,000	$175	41

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 · 2.25% rent growth · sell at horizon

5-year hold

• IRR: -21.0%
• Equity multiple: 0.28×
• Total profit: $-35,484
• Equity at exit: $26,093

10-year hold

• IRR: -16.4%
• Equity multiple: 0.12×
• Total profit: $-43,180
• Equity at exit: $15,131

Cash invested: $49,000 (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 32244

• Home prices YoY: -17.8%
• Rents YoY: 2.2%
• Active inventory: 349
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,784 high
• Mortgage (P&I): −$918
• Tax from tax record: −$302 /mo · $3,621/yr
• Insurance: −$73
• HOA: −$211
• Vacancy / Maint / Mgmt: −$375
• Net cashflow: $-94

Break-even live

Break-even rent $1,903

Max offer price $158,363

Occupancy floor —

Sensitivity live

Price	-10% $5	-5% $-45	+0% $-94	+5% $-144	+10% $-193
Rent	-10% $-235	-5% $-165	+0% $-94	+5% $-24	+10% $47
Rate	-1.0pp $-6	-0.5pp $-50	base $-94	+0.5pp $-140	+1.0pp $-186

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7178 Cypress Cove Rd #25 Jacksonville, FL	3.0	2.0	1875	$2,000	$1.07	24d	1	0.53mi
6637 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1158	$1,695	$1.46	17d	1	0.55mi
6637 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1158	$1,695	$1.46	24d	1	0.55mi
6648 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1412	$1,690	$1.20	2d	1	0.55mi
7485 Cliff Cottage Dr Jacksonville, FL	3.0	2.0	1724	$1,750	$1.02	24d	1	0.60mi
7634 Fanning Dr Jacksonville, FL	4.0	2.0	1658	$1,850	$1.12	24d	1	0.68mi
7557 Cliff Cottage Dr Jacksonville, FL	3.0	2.0	1480	$1,875	$1.27	24d	1	0.68mi
7472 Mishkie Dr Jacksonville, FL	3.0	2.0	1884	$1,965	$1.04	3d	1	0.72mi
7377 Benes Trl Jacksonville, FL	4.0	2.0	1861	$2,250	$1.21	24d	1	0.74mi
7350 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	872	$1,637	$1.88	3d	23	0.76mi
6099 Maggies Cir #101 Jacksonville, FL	3.0	2.0	1335	$1,650	$1.24	18d	1	0.79mi
6105 Maggies Cir #115 Jacksonville, FL	3.0	2.0	1335	$1,425	$1.07	2d	1	0.80mi
6105 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,445	$1.29	18d	2	0.80mi
6028 Du Clay Rd Jacksonville, FL	2.0	3.0	1308	$1,500	$1.15	24d	1	0.81mi
6087 Maggies Cir #104 Jacksonville, FL	2.0	2.0	1099	$1,275	$1.16	24d	1	0.81mi
6024 Du Clay Rd Jacksonville, FL	2.0	2.5	1278	$1,400	$1.10	2d	1	0.81mi
7565 Westland Oaks Dr Jacksonville, FL	3.0	2.0	1317	$2,000	$1.52	15d	1	0.82mi
6478 Silk Leaf Ln Jacksonville, FL	3.0	2.0	1682	$1,985	$1.18	24d	1	0.82mi
6094 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,425	$1.07	15d	1	0.82mi
6111 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,350	$1.01	24d	1	0.85mi
6112 Maggies Cir #108 Jacksonville, FL	3.0	2.0	1335	$1,375	$1.03	24d	1	0.86mi
7610 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	880	$1,300	$1.48	15d	1	0.87mi
6985 Ortega Woods Dr Unit 8 Jacksonville, FL	3.0	2.0	1157	$1,350	$1.17	3d	1	0.88mi
6038 Bizier Rd Unit 6036 Jacksonville, FL	3.0	2.0	1975	$1,745	$0.88	15d	1	0.89mi
6051 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,400	$1.05	22d	1	0.90mi
6945 Morse Ave Jacksonville, FL	2.0–4.0	2.0	1169	$1,333	$1.14	15d	1	0.91mi
6063 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,350	$1.20	17d	2	0.93mi
6063 Maggies Cir #110 Jacksonville, FL	3.0	2.0	1335	$1,350	$1.01	5d	1	0.93mi
6869 Southern Oaks Dr W Jacksonville, FL	3.0	2.0	1660	$1,861	$1.12	14d	1	0.95mi
6371 Collins Rd Jacksonville, FL	3.0	1.0–2.0	1010	$1,981	$1.96	2d	40	0.97mi
5900 Townsend Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1177	$1,699	$1.44	3d	12	1.01mi
5726 Ovella Rd Jacksonville, FL	3.0	2.0	1579	$1,650	$1.04	24d	1	1.06mi
7740 Plantation Bay Dr Jacksonville, FL	1.0–3.0	1.0–2.0	927	$1,776	$1.92	3d	17	1.10mi
6428 Hannah Stables Dr Jacksonville, FL	3.0	2.0	1613	$1,800	$1.12	2d	1	1.13mi
7379 Edenfield Park Rd Jacksonville, FL	3.0	2.5	2215	$2,000	$0.90	22d	1	1.14mi
6117 Hannah Stables Ct Jacksonville, FL	4.0	2.0	1891	$2,010	$1.06	24d	1	1.20mi
7390 Overland Park Blvd Jacksonville, FL	3.0	2.0	1648	$1,970	$1.20	4d	1	1.23mi
6850 Rhapsody Rd Jacksonville, FL	3.0	2.5	1970	$1,995	$1.01	24d	1	1.25mi
6983 Lafayette Park Dr Jacksonville, FL	4.0	2.0	1854	$1,916	$1.03	14d	1	1.26mi
6136 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1030	$2,020	$1.96	2d	9	1.26mi

HOA detail

• Monthly dues: $211 · $2,532/yr

Listing history 40 events

1. 2026-06-18
   days on market $175,000 Active 355 DOM
2. 2026-06-17
   days on market $175,000 Active 354 DOM
3. 2026-06-16
   days on market $175,000 Active 353 DOM
4. 2026-06-15
   days on market $175,000 Active 352 DOM
5. 2026-06-10
   days on market $175,000 Active 346 DOM
6. 2026-06-08
   days on market $175,000 Active 345 DOM
7. 2026-06-08
   days on market $175,000 Active 344 DOM
8. 2026-06-03
   days on market $175,000 Active 340 DOM
9. 2026-06-02
   days on market $175,000 Active 339 DOM
10. 2026-06-01
    days on market $175,000 Active 338 DOM
11. 2026-05-31
    days on market $175,000 Active 337 DOM
12. 2026-05-11
    price $175,000
13. 2026-04-01
    status Active
14. 2026-03-31
    historical
15. 2025-09-20
    status Active
16. 2025-09-17
    historical
17. 2025-08-07
    price $186,000
18. 2025-06-24
    listed $189,500 Active
19. 2019-07-15
    soldstatus $149,000
20. 2019-07-11
    soldstatus $149,000 Sold 261-char remark

    Show marketing remark (261 chars)

    Built in 2009, this Jacksonville two-story offers a breakfast bar, loft den, backyard patio, and one-car garage. Upgraded features include new carpeting and fresh interior paint. Home comes with a 30-day satisfaction guarantee. Terms and conditions apply.

21. 2019-05-29
    status Pending 261-char remark

    Show marketing remark (261 chars)

    Built in 2009, this Jacksonville two-story offers a breakfast bar, loft den, backyard patio, and one-car garage. Upgraded features include new carpeting and fresh interior paint. Home comes with a 30-day satisfaction guarantee. Terms and conditions apply.

22. 2019-05-16
    status Active 261-char remark

    Show marketing remark (261 chars)

    Built in 2009, this Jacksonville two-story offers a breakfast bar, loft den, backyard patio, and one-car garage. Upgraded features include new carpeting and fresh interior paint. Home comes with a 30-day satisfaction guarantee. Terms and conditions apply.

23. 2019-04-16
    status Pending 261-char remark

    Show marketing remark (261 chars)

    Built in 2009, this Jacksonville two-story offers a breakfast bar, loft den, backyard patio, and one-car garage. Upgraded features include new carpeting and fresh interior paint. Home comes with a 30-day satisfaction guarantee. Terms and conditions apply.

24. 2019-04-08
    listed $149,000 Active 261-char remark

    Show marketing remark (261 chars)

    Built in 2009, this Jacksonville two-story offers a breakfast bar, loft den, backyard patio, and one-car garage. Upgraded features include new carpeting and fresh interior paint. Home comes with a 30-day satisfaction guarantee. Terms and conditions apply.

25. 2019-03-29
    soldstatus $128,200
26. 2016-10-13
    soldstatus $109,000
27. 2016-10-06
    soldstatus $109,000 Sold 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

28. 2016-09-26
    status Pending 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

29. 2016-09-19
    status Active 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

30. 2016-09-17
    historical 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

31. 2016-09-10
    status Active 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

32. 2016-09-10
    status Pending 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

33. 2016-09-07
    historical Active - Contingent 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

34. 2016-07-30
    listed $117,900 Active 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

35. 2016-07-30
    price $109,900 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

36. 2016-07-30
    price $113,900 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

37. 2016-07-30
    price $115,900 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

38. 2016-07-30
    price $111,900 481-char remark

    Show marketing remark (481 chars)

    Like New 3BR/2.5BA Townhome with 1 car garage. New paint, new carpet, new paint on walls & epoxy on garage floor. All appliances including washer/dryer. Kitchen boast breakfast bar with separate dining area. Large living space on first level. Under stairwell storage accessed from front entry closet. Second Level boast large loft area. Master BR has en-suite bath with large walk in closet. All Bedrooms are good size. This home is ready for you. Just bring your toothbrush!!

39. 2009-12-31
    historical
40. 2009-04-14
    listed $114,900

ⓘ 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: $3,621 · $302/mo
• Projected year-2 tax: $3,621 · $302/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 4/10 Moderate
• 🌡 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 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,406
• − Mortgage interest: −$9,803
• − Property taxes: −$3,621
• − Insurance: −$875
• − Repairs & maintenance: −$1,712
• − Management: −$1,712
• − HOA: −$2,532
• − Depreciation: −$5,091
• Taxable loss: −$3,941
• Est. tax savings @ 24.0%: +$946
• After-tax cash flow: $-184/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): 63,592
• Household income: $62,204
• Rent vs Own: 43.7% rent · 56.3% own
• Severe rent burden: 2799.0

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: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 39% Black 35% Hispanic / Latino 15% Two or more races 10% Asian 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 3%
• Common ancestry: Hispanic 1% Lithuanian 1% Romanian 1%
• Foreign-born: 12% · Canada, Vietnam, China
• Languages at home: 83% English-only · Spanish 9% Tagalog/Filipino 3% French/Haitian/Cajun 2%

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: ▼ -64.22%
• Current HPI: 296.5375
• Rent YoY: ▲ 2.25%
• 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

+52.3% since first listed

29 events — show timeline

• 2026-05-11 Price Changed $175,000 realMLS
• 2026-04-01 Relisted — realMLS
• 2026-03-31 Listing Removed — realMLS
• 2025-09-20 Relisted — realMLS
• 2025-09-17 Listing Removed — realMLS
• 2025-08-07 Price Changed $186,000 realMLS
• 2025-06-24 Listed $189,500 realMLS
• 2019-07-15 Sold (Public Records) $149,000 Public Records
• 2019-07-11 Sold (MLS) $149,000 realMLS
• 2019-05-29 Pending — realMLS
• 2019-05-16 Relisted — realMLS
• 2019-04-16 Pending — realMLS
• 2019-04-08 Listed $149,000 realMLS
• 2019-03-29 Sold (Public Records) $128,200 Public Records
• 2016-10-13 Sold (Public Records) $109,000 Public Records
• 2016-10-06 Sold (MLS) $109,000 realMLS
• 2016-09-26 Pending — realMLS
• 2016-09-19 Relisted — realMLS
• 2016-09-17 Listing Removed — realMLS
• 2016-09-10 Relisted — realMLS
• 2016-09-10 Pending — realMLS
• 2016-09-07 Contingent — realMLS
• 2016-07-30 Listed $117,900 realMLS
• 2016-07-30 Price Changed $111,900 realMLS
• 2016-07-30 Price Changed $115,900 realMLS
• 2016-07-30 Price Changed $113,900 realMLS
• 2016-07-30 Price Changed $109,900 realMLS
• 2009-12-31 Listing Removed — realMLS
• 2009-04-14 Listed $114,900 realMLS

Property tax history

+10.1%/yr

Latest (2025): $3,621 · +10.3% YoY. Source: county tax records.