1004 Maynard St · Jacksonville, FL 32208

$102,500

3 bd · 1.0 ba · 864 sqft · SingleFamily public records · 285 Days on market

Built 1960 4,791 sqft lot Est $102k · at est.

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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 +23.8/30.0
• DSCR +7.7/10.0
• ARV discount +7.3/15.0
• 1% rule +6.8/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome Home! Come see me, I am a 3 bedroom, 1 bath, Concrete Block Home on a corner lot with a large, fenced back yard. I am Turn Key, Move-In Ready. I have a carport with an enclosed Laundry room, kitchen with dining area, Living room, 3 bedrooms, bathroom with tub shower, All Tile Flooring, Cordless Window Blinds, and a storage shed in backyard (As-Is). I will work great for a Homeowner or Investor. My seller will have new, stainless steel refrigerator and oven ready for buyer to schedule delivery at closing (with full price offer). Schedule Your Personal Showing Today!

Key facts

• Tile flooring
• Corner lot
• 4,791 sq ft lot

Tags

• CORNER LOT
• FULLY FENCED BACKYARD
• ENCLOSED LAUNDRY ROOM
• TILE FLOORING

Property features AI

Finance

• Financial info: Property taxes listed for 2024
• HOA & community: Not a senior community

Exterior

• Parking: 1-space carport
• Utilities: Electricity connected
• Home design: Single-family ranch-style residence; Residential use
• Exterior features: Lot approximately 0.11 acres

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central electric heating; Electric cooling
• Interior features: Refrigerator included

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $102k.

Deal economics

• At list price, monthly cash flow is $197 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $102k).
• Recommended offer: $90k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.6% 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 (-1.4%/yr); 291 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 35% of the median local income ($41k/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 $709 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.

Negotiation context

• It's been on market 285 days — a 12% lower offer ($90k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 21y ago; this cycle's ask is 4% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $90,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 285 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.18% ✓
• Cap rate: 8.60%
• Cash-on-cash: 8.23%
• DSCR: 1.37
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $101,952
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
753 Fernway St	0.24mi	3/1.0	929 (+8%)	1mo	$110,000	$118	76
7069 Alan Ave	0.52mi	3/1.0	872 (+1%)	8mo	$129,900	$149	67
844 Crestwood St	0.21mi	2/1.0 (-1)	792 (-8%)	6mo	$75,000	$95	66
831 Ashford St	0.21mi	2/2.0 (-1)	912 (+6%)	8mo	$40,000	$44	66
733 Escambia St	0.31mi	3/1.0	975 (+13%)	0mo	$90,000	$92	64
5298 Golfbrook Dr	0.64mi	2/1.0 (-1)	875 (+1%)	8mo	$116,500	$133	57
569 W 49th St	0.57mi	2/1.0 (-1)	924 (+7%)	2mo	$57,000	$62	55
681 Chestnut Dr	0.43mi	2/1.0 (-1)	759 (-12%)	4mo	$85,000	$112	52
557 Chestnut Dr	0.57mi	2/1.0 (-1)	943 (+9%)	4mo	$125,000	$133	50
410 Demper Dr	0.70mi	2/1.0 (-1)	784 (-9%)	12mo	$122,500	$156	37
443 W 47th St	0.67mi	2/1.0 (-1)	774 (-10%)	16mo	$45,000	$58	33
671 Fern St	0.75mi	3/1.0	978 (+13%)	14mo	$126,000	$129	32

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: -7.4%
• Equity multiple: 0.74×
• Total profit: $-7,570
• Equity at exit: $15,283

10-year hold

• IRR: -2.4%
• Equity multiple: 0.86×
• Total profit: $-3,962
• Equity at exit: $8,862

Cash invested: $28,700 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 291
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,212 high
• Mortgage (P&I): −$538
• Tax from tax record: −$180 /mo · $2,160/yr
• Insurance: −$43
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $197

Break-even live

Break-even rent $962

Max offer price $102,500

Occupancy floor 79%

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: $25,625
• Closing costs: $3,075
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1136 Maynard St Jacksonville, FL	2.0	1.0	919	$1,045	$1.14	23d	1	0.13mi
1059 Glencarin St Jacksonville, FL	2.0	1.0	645	$897	$1.39	4d	1	0.14mi
961 Dorchester St Jacksonville, FL	2.0	1.0	884	$1,025	$1.16	3d	1	0.23mi
5514 Long St Jacksonville, FL	2.0	1.0	941	$1,250	$1.33	1d	1	0.46mi
5616 Calvin Ave Jacksonville, FL	3.0	1.0	1008	$1,195	$1.19	7d	1	0.48mi
6460 Lanark Ave Jacksonville, FL	2.0	1.0	708	$1,095	$1.55	23d	1	0.59mi
562 W 49th St Jacksonville, FL	3.0	1.0	1091	$1,195	$1.10	23d	1	0.60mi
535 W 59th St Jacksonville, FL	3.0	2.0	816	$1,395	$1.71	7d	1	0.61mi
4721 E Castlewood Dr Jacksonville, FL	3.0	1.0	1008	$1,250	$1.24	23d	1	0.64mi
385 Duray Ct Jacksonville, FL	3.0	1.0	932	$1,250	$1.34	20d	1	0.70mi
425 W 47th St Jacksonville, FL	3.0	1.5	1083	$1,193	$1.10	7d	1	0.71mi
7210 Elwood Ave Jacksonville, FL	2.0	1.0	831	$995	$1.20	21d	1	0.73mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	14d	1	0.74mi
319 W 49th St Jacksonville, FL	2.0	1.0	977	$1,200	$1.23	23d	1	0.76mi
1536 W 45th St Jacksonville, FL	2.0	1.0	800	$1,050	$1.31	23d	1	0.76mi
7124 Lorain St Jacksonville, FL	3.0	1.0	864	$1,043	$1.21	3d	1	0.77mi
666 Basswood St Jacksonville, FL	3.0	1.0	1002	$1,400	$1.40	23d	1	0.83mi
7511 N Shore Dr Jacksonville, FL	2.0	1.0	1014	$1,350	$1.33	4d	1	0.85mi
4813 Moncrief Rd Jacksonville, FL	2.0–3.0	1.0	755	$920	$1.22	2d	8	0.87mi
511 Ivy St Jacksonville, FL	2.0	1.0	900	$995	$1.11	23d	1	0.88mi
917 W 30th St Jacksonville, FL	2.0	1.0	672	$1,200	$1.79	17d	1	0.88mi
849 W 30th St Apt 3 Jacksonville, FL	2.0	1.0	750	$965	$1.29	23d	1	0.89mi
4918 N Pearl St Jacksonville, FL	2.0	1.0	850	$895	$1.05	23d	1	0.91mi
1567 Rutledge Ave Jacksonville, FL	3.0	2.0	1050	$1,113	$1.06	23d	1	0.93mi
1196 W 30th St Jacksonville, FL	2.0	1.0	875	$880	$1.01	17d	1	0.93mi
3902 Stuart St Jacksonville, FL	2.0	2.0	1114	$1,050	$0.94	23d	1	0.93mi
1316 W 31st St Jacksonville, FL	2.0	1.0	906	$998	$1.10	23d	1	0.95mi
3914 Springfield Blvd Jacksonville, FL	2.0	1.0	858	$1,050	$1.22	4d	1	0.95mi
3914 Springfield Blvd Jacksonville, FL	2.0	1.0	858	$1,050	$1.22	23d	1	0.95mi
1104 W 29th St Unit 1104 Jacksonville, FL	2.0	1.0	624	$850	$1.36	23d	1	0.95mi
451 Long Branch Blvd Unit 451 Jacksonville, FL	2.0	1.0	1000	$1,350	$1.35	23d	1	0.96mi
141 W 43rd St Jacksonville, FL	3.0	2.0	1022	$1,231	$1.20	3d	1	0.97mi
1417 W 31st St Jacksonville, FL	3.0	1.0	880	$1,100	$1.25	1d	1	0.97mi
4114 Moncrief Rd Unit 2 Jacksonville, FL	2.0	1.0	821	$1,050	$1.28	23d	1	1.00mi
4114 Moncrief Rd Jacksonville, FL	2.0	1.0	821	$975	$1.19	7d	1	1.00mi
5736 Teeler Ave Jacksonville, FL	3.0	1.0	852	$1,000	$1.17	23d	1	1.01mi
1551 W 33rd St #2 Jacksonville, FL	2.0	1.0	842	$795	$0.94	20d	1	1.03mi
1220 W 28th St Jacksonville, FL	3.0	1.0	1122	$1,299	$1.16	23d	1	1.03mi
3927 Notter Ave Jacksonville, FL	2.0	1.0	738	$850	$1.15	21d	1	1.03mi
3927 Notter Ave Jacksonville, FL	2.0	1.0	738	$850	$1.15	14d	1	1.03mi

Listing history 37 events

1. 2026-06-18
   days on market $102,500 Active 285 DOM
2. 2026-06-17
   days on market $102,500 Active 284 DOM
3. 2026-06-16
   days on market $102,500 Active 283 DOM
4. 2026-06-15
   days on market $102,500 Active 282 DOM
5. 2026-06-10
   days on market $102,500 Active 276 DOM
6. 2026-06-08
   days on market $102,500 Active 275 DOM
7. 2026-06-08
   pricedays on market $102,500 Active 274 DOM
8. 2026-06-03
   days on market $148,500 Active 270 DOM
9. 2026-06-02
   pricedays on market $148,500 Active 269 DOM
10. 2026-06-01
    days on market $150,000 Active 268 DOM
11. 2026-05-31
    days on market $150,000 Active 267 DOM
12. 2026-05-01
    price $150,000
13. 2026-03-24
    price $89,000
14. 2025-10-23
    status Active
15. 2025-10-03
    status Pending
16. 2025-09-08
    price $94,000
17. 2025-08-17
    listed $99,000 Active
18. 2024-05-08
    historical $1,075
19. 2024-04-25
    price $1,075
20. 2024-04-09
    price $1,105
21. 2024-03-22
    price $1,125
22. 2024-03-05
    price $1,140
23. 2024-02-08
    listed $1,175
24. 2022-05-12
    soldstatus $136,000
25. 2022-05-05
    soldstatus $136,000 Sold 581-char remark

    Show marketing remark (581 chars)

    Welcome Home! Come see me, I am a 3 bedroom, 1 bath, Concrete Block Home on a corner lot with a large, fenced back yard. I am Turn Key, Move-In Ready. I have a carport with an enclosed Laundry room, kitchen with dining area, Living room, 3 bedrooms, bathroom with tub shower, All Tile Flooring, Cordless Window Blinds, and a storage shed in backyard (As-Is). I will work great for a Homeowner or Investor. My seller will have new, stainless steel refrigerator and oven ready for buyer to schedule delivery at closing (with full price offer). Schedule Your Personal Showing Today!

26. 2022-04-27
    status Pending 581-char remark

    Show marketing remark (581 chars)

    Welcome Home! Come see me, I am a 3 bedroom, 1 bath, Concrete Block Home on a corner lot with a large, fenced back yard. I am Turn Key, Move-In Ready. I have a carport with an enclosed Laundry room, kitchen with dining area, Living room, 3 bedrooms, bathroom with tub shower, All Tile Flooring, Cordless Window Blinds, and a storage shed in backyard (As-Is). I will work great for a Homeowner or Investor. My seller will have new, stainless steel refrigerator and oven ready for buyer to schedule delivery at closing (with full price offer). Schedule Your Personal Showing Today!

27. 2022-04-20
    historical Active - Contingent 581-char remark

    Show marketing remark (581 chars)

    Welcome Home! Come see me, I am a 3 bedroom, 1 bath, Concrete Block Home on a corner lot with a large, fenced back yard. I am Turn Key, Move-In Ready. I have a carport with an enclosed Laundry room, kitchen with dining area, Living room, 3 bedrooms, bathroom with tub shower, All Tile Flooring, Cordless Window Blinds, and a storage shed in backyard (As-Is). I will work great for a Homeowner or Investor. My seller will have new, stainless steel refrigerator and oven ready for buyer to schedule delivery at closing (with full price offer). Schedule Your Personal Showing Today!

28. 2022-04-15
    listed $130,000 Active 581-char remark

    Show marketing remark (581 chars)

    Welcome Home! Come see me, I am a 3 bedroom, 1 bath, Concrete Block Home on a corner lot with a large, fenced back yard. I am Turn Key, Move-In Ready. I have a carport with an enclosed Laundry room, kitchen with dining area, Living room, 3 bedrooms, bathroom with tub shower, All Tile Flooring, Cordless Window Blinds, and a storage shed in backyard (As-Is). I will work great for a Homeowner or Investor. My seller will have new, stainless steel refrigerator and oven ready for buyer to schedule delivery at closing (with full price offer). Schedule Your Personal Showing Today!

29. 2006-05-02
    historical 139-char remark

    Show marketing remark (139 chars)

    3/1 block home offered 'as is' - would make good investment. Needs some work. Vacant, call for showing instructions and special addendum.

30. 2006-04-28
    listed $59,900 139-char remark

    Show marketing remark (139 chars)

    3/1 block home offered 'as is' - would make good investment. Needs some work. Vacant, call for showing instructions and special addendum.

31. 2006-04-25
    historical
32. 2005-10-25
    listed $59,900
33. 2005-10-02
    historical
34. 2005-06-02
    listed $59,900
35. 2001-02-08
    soldstatus $46,000
36. 1997-12-02
    soldstatus $22,000
37. 1981-08-01
    soldstatus $25,000

ⓘ 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: $2,160 · $180/mo
• Projected year-2 tax: $2,160 · $180/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 1/10 Low
• 🌡 Heat 9/10 Extreme 6 d/yr ≥107°F today · 17 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,538
• − Mortgage interest: −$5,742
• − Property taxes: −$2,160
• − Insurance: −$512
• − Repairs & maintenance: −$1,163
• − Management: −$1,163
• − Depreciation: −$2,982
• Taxable income: $816
• Est. tax owed @ 24.0%: −$196
• After-tax cash flow: $2,167/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): 32,699
• Household income: $41,324
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1765.0

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: Predominantly Black (77%)
• Race & ethnicity: Black 77% White 16% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 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: ▼ -110.56%
• Current HPI: 217.9706
• Rent YoY: ▼ -1.36%
• 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

+500.0% since first listed

26 events — show timeline

• 2026-05-01 Price Changed $150,000 realMLS
• 2026-03-24 Price Changed $89,000 realMLS
• 2025-10-23 Relisted — realMLS
• 2025-10-03 Pending — realMLS
• 2025-09-08 Price Changed $94,000 realMLS
• 2025-08-17 Listed $99,000 realMLS
• 2024-05-08 Rental Removed $1,075 RENTLY
• 2024-04-25 Price Changed $1,075 RENTLY
• 2024-04-09 Price Changed $1,105 RENTLY
• 2024-03-22 Price Changed $1,125 RENTLY
• 2024-03-05 Price Changed $1,140 RENTLY
• 2024-02-08 Listed for Rent $1,175 RENTLY
• 2022-05-12 Sold (Public Records) $136,000 Public Records
• 2022-05-05 Sold (MLS) $136,000 realMLS
• 2022-04-27 Pending — realMLS
• 2022-04-20 Contingent — realMLS
• 2022-04-15 Listed $130,000 realMLS
• 2006-05-02 Listing Removed — realMLS
• 2006-04-28 Listed $59,900 realMLS
• 2006-04-25 Listing Removed — realMLS
• 2005-10-25 Listed $59,900 realMLS
• 2005-10-02 Listing Removed — realMLS
• 2005-06-02 Listed $59,900 realMLS
• 2001-02-08 Sold (Public Records) $46,000 Public Records
• 1997-12-02 Sold (Public Records) $22,000 Public Records
• 1981-08-01 Sold (Public Records) $25,000 Public Records

Property tax history

+8.2%/yr

Latest (2025): $2,160 · +7.7% YoY. Source: county tax records.