1139 De Paul Dr · Jacksonville, FL 32218

$149,000

3 bd · 1.0 ba · 1,130 sqft · SingleFamily public records · 18 Days on market

Built 1957 Est $185k · 20% 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 +25.1/30.0
• ARV discount +15.0/15.0
• DSCR +8.2/10.0
• 1% rule +5.5/10.0
• 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

THIS HOME IS PERFECT FOR FIRST TIME HOME BUYERS. IT IS WITHIN WALKING DISTANCE TO ELEM SCHOOL & CLOSE TO SHOPPING. INTERIOR AMENITIES INCLUDE NEUTRAL CARPET, CERAMIC TILE BATH, NEWER REFRIG, HEAT PUMP, NEW ROOF IN '01& REPLUMBED 1 YEAR AGO. SLIDING GLASS DOOR LEADS TO A FENCED REAR YARD W/A LARGE 12X16 STOARGE BUILDING & A HUGE SHADY PECAN TREE. CALL LISTING OFFICE FOR APPT. PLEASE LEAVE BUSINE

Key facts

• Major updates
• Large shed
• Flip opportunity

Tags

• FLIP OPPORTUNITY
• MAJOR UPDATES
• LARGE SHED

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Off-street parking
• Utilities: Sewer connected; Water connected
• Home design: Single-family residence; Used as a single-family home
• Exterior features: No private pool; Sewer connected; Water connected

Interior

• Kitchen: Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Interior features: Microwave; Refrigerator; Central heating and central air

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $327 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $147k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.9% 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 (-0.4%/yr); 728 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k 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 18 days — a 2% lower offer ($147k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 25y 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 $39k; list at $149k implies a 282% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $146,765 (1.5% below list)

Questions for the listing agent

1. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.05% ✓
• Cap rate: 8.93%
• Cash-on-cash: 9.40%
• DSCR: 1.42
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $185,320
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1139 De Paul Dr	0.00mi	3/1.0	1,130 (0%)	1mo	$149,000	$132	99
10250 Briarcliff Rd E	0.18mi	3/1.5	1,108 (-2%)	3mo	$192,000	$173	84
10551 Conrad Dr	0.15mi	3/1.0	1,068 (-6%)	5mo	$200,000	$187	80
1034 Beckner Ave	0.18mi	3/1.5	1,198 (+6%)	3mo	$175,000	$146	77
10550 Fairlane Dr	0.27mi	3/2.0	1,036 (-8%)	1mo	$170,000	$164	69
1614 Loyola Dr N	0.57mi	3/1.0	1,146 (+1%)	4mo	$175,000	$153	68
1134 Carthage Dr	0.28mi	3/1.0	1,252 (+11%)	1mo	$192,500	$154	68
10623 Biscayne Blvd	0.51mi	3/1.0	1,080 (-4%)	2mo	$215,000	$199	67
10242 Haverford Rd	0.24mi	4/2.0 (+1)	1,248 (+10%)	0mo	$229,000	$183	62
10520 De Paul Dr	0.22mi	4/2.0 (+1)	1,261 (+12%)	3mo	$215,000	$170	59
1613 Loyola Dr N	0.56mi	3/1.0	1,036 (-8%)	2mo	$160,000	$154	58
2143 Newberry Rd	0.75mi	3/1.5	1,250 (+11%)	0mo	$160,200	$128	45

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: -5.3%
• Equity multiple: 0.81×
• Total profit: $-7,968
• Equity at exit: $22,216

10-year hold

• IRR: 0.7%
• Equity multiple: 1.05×
• Total profit: $1,904
• Equity at exit: $12,883

Cash invested: $41,720 (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 32218

• Home prices YoY: -25.7%
• Rents YoY: -0.4%
• Active inventory: 728
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,570 high
• Mortgage (P&I): −$781
• Tax from tax record: −$70 /mo · $836/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$330
• Net cashflow: $327

Break-even live

Break-even rent $1,156

Max offer price $149,000

Occupancy floor 74%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1123 Depaul Dr Jacksonville, FL	3.0	1.5	1152	$1,295	$1.12	21d	1	0.04mi
10310 Briarcliff Rd E Jacksonville, FL	3.0	2.0	1285	$1,399	$1.09	14d	1	0.11mi
1033 Ake Ln Jacksonville, FL	3.0	1.0	868	$1,200	$1.38	21d	1	0.18mi
10561 Ashby Rd Jacksonville, FL	3.0	1.0	1034	$1,181	$1.14	24d	1	0.19mi
10529 Keuka Dr Jacksonville, FL	4.0	1.0	1101	$600	$0.54	7d	1	0.21mi
10621 Monaco Dr Jacksonville, FL	1.0–2.0	1.0–1.5	975	$1,150	$1.18	24d	7	0.42mi
12802 Haverford Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1000	$1,299	$1.30	2d	15	0.43mi
1333 Dunn Ave Jacksonville, FL	2.0	1.0	576	$1,185	$2.06	2d	16	0.53mi
10897 Regency Dr Jacksonville, FL	4.0	2.0	1391	$1,650	$1.19	4d	1	0.63mi
10964 Bacall Rd W Jacksonville, FL	3.0	1.5	1138	$1,550	$1.36	24d	1	0.65mi
1601 Dunn Ave Jacksonville, FL	1.0–3.0	1.0–2.0	852	$1,575	$1.85	3d	12	0.71mi
9808 Morgan Marsh Ct Jacksonville, FL	3.0	2.5	1380	$1,599	$1.16	24d	1	0.71mi
9806 Morgan Marsh Ct Unit 9856 Jacksonville, FL	3.0	2.5	1380	$1,609	$1.17	20d	1	0.71mi
9806 Morgan Marsh Ct Jacksonville, FL	3.0	2.5	1380	$1,609	$1.17	24d	1	0.71mi
11050 Harts Rd Jacksonville, FL	3.0	2.0–2.5	1145	$1,511	$1.32	3d	10	0.94mi
11011 Harts Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1052	$1,742	$1.66	2d	23	0.94mi
780 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	1164	$2,143	$1.84	3d	16	1.05mi
11029 Traci Lynn Dr Jacksonville, FL	3.0	2.0	1402	$1,550	$1.11	4d	1	1.20mi
1000 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	949	$1,684	$1.77	2d	9	1.23mi
950 Turtle Creek Dr S Jacksonville, FL	3.0	2.0	1460	$1,824	$1.25	24d	1	1.23mi
2462 Quail Ave Jacksonville, FL	3.0	1.5	1312	$1,397	$1.06	24d	1	1.24mi
800 Broward Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1028	$1,711	$1.66	2d	42	1.28mi
2482 Quail Ave Jacksonville, FL	3.0	2.0	1224	$1,850	$1.51	17d	1	1.28mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1308	$1,495	$1.14	24d	1	1.30mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1306	$1,495	$1.14	16d	1	1.30mi
9565 Carbondale Dr W Unit B Jacksonville, FL	3.0	2.0	1400	$2,000	$1.43	24d	1	1.32mi
745 Northpoint Cir N Jacksonville, FL	2.0	2.0	897	$1,600	$1.78	24d	1	1.33mi
10735 Merida Dr #14 Jacksonville, FL	4.0	2.0	1303	$1,635	$1.25	7d	1	1.35mi

Listing history 8 events

1. 2026-04-28
   status Pending
2. 2026-04-10
   listed $149,000 Active
3. 2002-01-01
   historical 409-char remark

   Show marketing remark (409 chars)

   THIS HOME IS PERFECT FOR FIRST TIME HOME BUYERS. IT IS WITHIN WALKING DISTANCE TO ELEM SCHOOL & CLOSE TO SHOPPING. INTERIOR AMENITIES INCLUDE NEUTRAL CARPET, CERAMIC TILE BATH, NEWER REFRIG, HEAT PUMP, NEW ROOF IN '01& REPLUMBED 1 YEAR AGO. SLIDING GLASS DOOR LEADS TO A FENCED REAR YARD W/A LARGE 12X16 STOARGE BUILDING & A HUGE SHADY PECAN TREE. CALL LISTING OFFICE FOR APPT. PLEASE LEAVE BUSINE

4. 2001-12-12
   historical 361-char remark

   Show marketing remark (361 chars)

   DISTANCE TO ELEM.SCHOOL & CLOSE TO SHOPPING. INTERIOR AMENITIES INCLUDE NEUTRAL CARPETING, CERAMIC TILE BATH, NEWER REFRIGERATOR, HEAT PUMP, NEW ROOF IN 2001 & RE-PLUMBED 1 YEAR AGO. SLIDING GLASS DOOR LEADS TO A FENCED REAR YARD W/A LARGE 12X16 STORAGE BUILDING & A HUGE SHADY PECAN TREE. CALL LISTING OFFICE FOR APPT. PLEASE LEAVE A BUSINESS CARD.

5. 2001-10-03
   listed $63,500 409-char remark

   Show marketing remark (409 chars)

   THIS HOME IS PERFECT FOR FIRST TIME HOME BUYERS. IT IS WITHIN WALKING DISTANCE TO ELEM SCHOOL & CLOSE TO SHOPPING. INTERIOR AMENITIES INCLUDE NEUTRAL CARPET, CERAMIC TILE BATH, NEWER REFRIG, HEAT PUMP, NEW ROOF IN '01& REPLUMBED 1 YEAR AGO. SLIDING GLASS DOOR LEADS TO A FENCED REAR YARD W/A LARGE 12X16 STOARGE BUILDING & A HUGE SHADY PECAN TREE. CALL LISTING OFFICE FOR APPT. PLEASE LEAVE BUSINE

6. 2001-06-11
   listed $65,000 361-char remark

   Show marketing remark (361 chars)

   DISTANCE TO ELEM.SCHOOL & CLOSE TO SHOPPING. INTERIOR AMENITIES INCLUDE NEUTRAL CARPETING, CERAMIC TILE BATH, NEWER REFRIGERATOR, HEAT PUMP, NEW ROOF IN 2001 & RE-PLUMBED 1 YEAR AGO. SLIDING GLASS DOOR LEADS TO A FENCED REAR YARD W/A LARGE 12X16 STORAGE BUILDING & A HUGE SHADY PECAN TREE. CALL LISTING OFFICE FOR APPT. PLEASE LEAVE A BUSINESS CARD.

7. 1985-08-01
   soldstatus $39,000
8. 1980-12-01
   soldstatus $28,500

ⓘ 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: $836 · $70/mo
• Projected year-2 tax: $1,237 · $103/mo
• Expected delta: +$400/yr (+$33/mo · 47.9%)

ⓘ 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 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: $18,837
• − Mortgage interest: −$8,346
• − Property taxes: −$836
• − Insurance: −$745
• − Repairs & maintenance: −$1,507
• − Management: −$1,507
• − Depreciation: −$4,335
• Taxable income: $1,561
• Est. tax owed @ 24.0%: −$375
• After-tax cash flow: $3,549/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): 72,905
• Household income: $69,638
• Rent vs Own: 32.7% rent · 67.3% own
• Severe rent burden: 2289.0

Population outlook (Duval County) Hauer SSP2

• Today (2025): 1,013,010 people
• By 2030: 1,059,228 · +4.6%
• By 2040: 1,141,439 · +12.7%
• By 2050: 1,205,258 · +19.0%
• By 2075: 1,324,282 · +30.7%
• By 2100: 1,319,620 · +30.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Black 48% White 35% Hispanic / Latino 9% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Slovak 1% Lithuanian 1% Italian 1%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 6% French/Haitian/Cajun 1% Tagalog/Filipino 1%

Political lean MEDSL · Duval

• 2024 margin: Toss-up / Even · D 48.7% · R 50.1% · Other 1.2%
• 2008→2024 swing: +0.4pp no change · 2008: -1.9pp · 2024: -1.5pp
• All cycles: 2024: R+1.5 2020: D+3.8 2016: R+1.5 2012: R+3.6 2008: R+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -90.73%
• Current HPI: 262.2329
• Rent YoY: ▼ -0.40%
• 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

+422.8% since first listed

8 events — show timeline

• 2026-04-28 Pending — realMLS
• 2026-04-10 Listed $149,000 realMLS
• 2002-01-01 Listing Removed — realMLS
• 2001-12-12 Listing Removed — realMLS
• 2001-10-03 Listed $63,500 realMLS
• 2001-06-11 Listed $65,000 realMLS
• 1985-08-01 Sold (Public Records) $39,000 Public Records
• 1980-12-01 Sold (Public Records) $28,500 Public Records

Property tax history

+6.7%/yr

Latest (2025): $836 · +27.3% YoY. Source: county tax records.