3165 Broadway Ave · Jacksonville, FL 32254

$139,999

3 bd · 2.0 ba · 1,446 sqft · SingleFamily public records · 48 Days on market

Built 1914 8,276 sqft lot Est $189k · 26% 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 +24.5/30.0
• ARV discount +15.0/15.0
• DSCR +7.9/10.0
• Appreciation +6.7/10.0
• 1% rule +5.0/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

3BR/2BA on corner lot. Investors Dream! House was previously occupied at $750/month. Come see this home that sits on a large corner lot. It features a wrap around porch, Berber carpet & central A/C. Ready for your next tennant to move in!

Key facts

• 8,276 sq ft lot
• Built 1914
• Listed 48 days

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Other parking
• Utilities: Electricity connected
• Home design: Single-family residence; Used for residential single-family
• Exterior features: Corner lot

Interior

• Kitchen: Electric range; Microwave; Refrigerator
• Bedrooms: Three bedrooms (main level)
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: One additional room (main level)

🏷️ Possibly a rental listed for sale. The $139,999 price doesn't fit this home's estimated sale value (~$189,426) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $287 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $140k).
• Recommended offer: $136k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.7% 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 (+1.7%/yr); 172 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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).

Forward outlook

• In year one you build about $6k of equity ($968 loan paydown + $5k appreciation (3.4% local appreciation)).
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.4% appreciation + 1.7% rent growth), your $39k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 24y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $80k; list at $140k implies a 75% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1914 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,799 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1914 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 1.00% ✓
• Cap rate: 8.75%
• Cash-on-cash: 8.77%
• DSCR: 1.39
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $189,426
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3055 Lowell Ave	0.17mi	4/2.0 (+1)	1,484 (+3%)	4mo	$135,000	$91	79
3151 Sunnybrook Ct	0.18mi	4/2.0 (+1)	1,516 (+5%)	4mo	$199,000	$131	75
718 Melson Ave	0.11mi	3/2.0	1,287 (-11%)	6mo	$200,000	$155	71
3518 Broadway Ave	0.42mi	4/2.0 (+1)	1,471 (+2%)	4mo	$200,000	$136	69
2908 Broadway Ave	0.33mi	3/2.5	1,268 (-12%)	1mo	$185,000	$146	62
1331 Dena St	0.71mi	2/2.0 (-1)	1,440 (-0%)	1mo	$50,125	$35	61
3516 Deer St N	0.59mi	4/2.0 (+1)	1,480 (+2%)	3mo	$122,000	$82	61
3058 2nd St Cir	0.55mi	3/2.0	1,334 (-8%)	5mo	$160,000	$120	58
4640 Hunt St	0.72mi	4/2.0 (+1)	1,377 (-5%)	8mo	$240,000	$174	47
3569 Fitzgerald St	0.63mi	3/2.0	1,253 (-13%)	7mo	$220,000	$176	43
5140 Columbus Ave	0.72mi	3/1.0	1,314 (-9%)	8mo	$165,000	$126	40
5125 Abel Ln	0.67mi	4/2.0 (+1)	1,264 (-13%)	7mo	$165,000	$131	37

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.41% appreciation · 1.7% rent growth · sell at horizon

5-year hold

• IRR: 16.0%
• Equity multiple: 1.93×
• Total profit: $36,319
• Equity at exit: $66,229

10-year hold

• IRR: 16.7%
• Equity multiple: 3.49×
• Total profit: $97,508
• Equity at exit: $104,693

Cash invested: $39,200 (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 32254

• Home prices YoY: 1.2%
• Rents YoY: 1.7%
• Active inventory: 172
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,406 high
• Mortgage (P&I): −$734
• Tax from tax record: −$32 /mo · $384/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $287

Break-even live

Break-even rent $1,044

Max offer price $139,999

Occupancy floor 75%

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3303 Broadway Ave Jacksonville, FL	3.0	2.0	1072	$1,550	$1.45	4d	1	0.17mi
3012 Imperial St Jacksonville, FL	3.0	1.0	1089	$1,395	$1.28	24d	1	0.20mi
3305 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	1012	$1,021	$1.01	24d	1	0.21mi
3362 Lowell Ave Jacksonville, FL	3.0	2.0	1682	$1,400	$0.83	7d	1	0.24mi
3350 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	900	$1,095	$1.22	24d	1	0.27mi
3368 Columbus Ave Jacksonville, FL	2.0	1.0	955	$1,300	$1.36	4d	1	0.28mi
1021 Woodstock Ave Jacksonville, FL	3.0	2.0	1012	$1,495	$1.48	24d	1	0.32mi
1021 Woodstock Ave Jacksonville, FL	3.0	2.0	1012	$1,495	$1.48	7d	1	0.32mi
3450 Lowell Ave Jacksonville, FL	3.0	2.0	1209	$1,578	$1.31	24d	1	0.39mi
1037 Detroit St Jacksonville, FL	3.0	2.0	912	$1,250	$1.37	2d	1	0.39mi
3034 Detroit Cir E Jacksonville, FL	3.0	2.0	1300	$1,399	$1.08	24d	1	0.45mi
912 Huron St Jacksonville, FL	2.0	1.0	900	$1,100	$1.22	14d	1	0.48mi
3055 2nd Street Cir Jacksonville, FL	3.0	1.5	1050	$1,340	$1.28	17d	1	0.57mi
1305 Melson Ave Jacksonville, FL	3.0	2.0	1224	$1,399	$1.14	20d	1	0.61mi
3688 Dillon St Jacksonville, FL	3.0	2.0	1230	$1,421	$1.16	24d	1	0.61mi
841 Ontario St Jacksonville, FL	2.0	1.0	1000	$1,285	$1.28	24d	1	0.62mi
1227 Dena St Jacksonville, FL	3.0	1.0	1033	$1,325	$1.28	24d	1	0.63mi
3515 Dignan St Jacksonville, FL	3.0	1.0	915	$1,036	$1.13	3d	1	0.72mi
5148 Cain Ln Jacksonville, FL	3.0	1.0	1104	$1,306	$1.18	21d	1	0.73mi
3352 Dillon St Jacksonville, FL	3.0	2.0	1229	$1,372	$1.12	24d	1	0.74mi
2965 Sunset St Jacksonville, FL	3.0	1.5	1056	$1,375	$1.30	7d	1	0.75mi
2965 Sunset St Jacksonville, FL	3.0	2.0	1056	$1,375	$1.30	4d	1	0.75mi
3318 Dignan St Jacksonville, FL	3.0	2.0	960	$1,200	$1.25	24d	1	0.81mi
2902 W 5th St Jacksonville, FL	3.0	2.0	1379	$1,050	$0.76	7d	1	0.82mi
2587 Orchard St Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	7d	1	0.82mi
3323 Nolan St Jacksonville, FL	3.0	1.0	927	$1,050	$1.13	2d	1	0.82mi
3550 Edison Ave Jacksonville, FL	3.0	2.0	1230	$1,463	$1.19	4d	1	0.84mi
1612 Alfen St Jacksonville, FL	3.0	1.5	945	$1,113	$1.18	7d	1	0.84mi
3319 Hunt St Jacksonville, FL	3.0	1.0	924	$1,295	$1.40	24d	1	0.86mi
2939 W 6th St Jacksonville, FL	3.0	2.0	1269	$1,225	$0.97	2d	1	0.87mi
3356 Lenox Ave Jacksonville, FL	2.0	1.0	899	$999	$1.11	24d	1	0.92mi
3118 Dignan St Jacksonville, FL	4.0	2.0	1103	$1,148	$1.04	2d	1	0.99mi
3035 Fitzgerald St Jacksonville, FL	2.0	1.0	900	$1,021	$1.13	3d	1	1.03mi
2410 McQuade St Jacksonville, FL	3.0	2.0	1307	$1,425	$1.09	24d	1	1.03mi
691 Herman St Jacksonville, FL	4.0	2.5	1641	$1,669	$1.02	7d	1	1.04mi
3347 Phyllis St Jacksonville, FL	3.0	2.0	1145	$1,395	$1.22	24d	1	1.04mi
676 Bridal Ave Jacksonville, FL	3.0	2.0	1008	$1,450	$1.44	24d	1	1.04mi
3609 Dellwood Ave Jacksonville, FL	2.0	2.0	936	$1,495	$1.60	24d	1	1.15mi
4650 Buxton St Jacksonville, FL	3.0	2.0	1620	$1,925	$1.19	4d	1	1.16mi
3159 Phyllis St Jacksonville, FL	3.0	2.0	1209	$1,561	$1.29	3d	1	1.17mi

Listing history 37 events

1. 2026-06-18
   days on market $139,999 Active 48 DOM
2. 2026-06-17
   days on market $139,999 Active 47 DOM
3. 2026-06-16
   days on market $139,999 Active 46 DOM
4. 2026-06-15
   days on market $139,999 Active 45 DOM
5. 2026-06-13
   days on market $139,999 Active 42 DOM
6. 2026-06-10
   days on market $139,999 Active 39 DOM
7. 2026-06-08
   days on market $139,999 Active 38 DOM
8. 2026-06-07
   days on market $139,999 Active 37 DOM
9. 2026-06-05
   days on market $139,999 Active 34 DOM
10. 2026-06-03
    days on market $139,999 Active 33 DOM
11. 2026-06-02
    days on market $139,999 Active 32 DOM
12. 2026-06-01
    days on market $139,999 Active 31 DOM
13. 2026-05-31
    days on market $139,999 Active 30 DOM
14. 2026-05-01
    listed $150,000 Active
15. 2006-06-28
    historical 242-char remark

    Show marketing remark (242 chars)

    3BR/2BA on corner lot. Investors Dream! House was previously occupied at $750/month. Come see this home that sits on a large corner lot. It features a wrap around porch, Berber carpet & central A/C. Ready for your next tennant to move in!

16. 2006-01-09
    soldstatus $79,900
17. 2005-12-29
    soldstatus $79,900 133-char remark

    Show marketing remark (133 chars)

    Come see this home that sits on a large corner lot. It features a wrap around porch, Berber carpet and central A/C. Ready to move in.

18. 2005-12-23
    soldstatus $79,900 242-char remark

    Show marketing remark (242 chars)

    3BR/2BA on corner lot. Investors Dream! House was previously occupied at $750/month. Come see this home that sits on a large corner lot. It features a wrap around porch, Berber carpet & central A/C. Ready for your next tennant to move in!

19. 2005-10-27
    listed $79,900 242-char remark

    Show marketing remark (133 chars)

    Come see this home that sits on a large corner lot. It features a wrap around porch, Berber carpet and central A/C. Ready to move in.

20. 2005-10-27
    listed $79,900 133-char remark

    Show marketing remark (133 chars)

    Come see this home that sits on a large corner lot. It features a wrap around porch, Berber carpet and central A/C. Ready to move in.

21. 2005-10-10
    historical
22. 2005-10-10
    historical
23. 2005-08-25
    listed $79,900
24. 2005-08-25
    listed $79,900
25. 2005-02-17
    historical
26. 2004-04-20
    listed $87,000
27. 2004-04-19
    historical
28. 2004-04-05
    soldstatus $65,500
29. 2004-03-29
    soldstatus $65,500
30. 2004-03-08
    historical
31. 2003-12-09
    listed $70,000
32. 2003-03-08
    listed $67,000
33. 2003-03-01
    historical
34. 2002-11-12
    listed $65,000
35. 2001-08-23
    soldstatus $18,000
36. 1999-12-28
    soldstatus $73,000
37. 1999-06-24
    soldstatus $42,500

ⓘ 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: $384 · $32/mo
• Projected year-2 tax: $1,162 · $97/mo
• Expected delta: +$778/yr (+$65/mo · 202.6%)

ⓘ 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 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,878
• − Mortgage interest: −$7,842
• − Property taxes: −$384
• − Insurance: −$700
• − Repairs & maintenance: −$1,350
• − Management: −$1,350
• − Depreciation: −$4,073
• Taxable income: $1,178
• Est. tax owed @ 24.0%: −$283
• After-tax cash flow: $3,156/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): 13,927
• Household income: $34,953
• Rent vs Own: 50.2% rent · 49.8% own
• Severe rent burden: 882.0

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 0.56)
• Race & ethnicity: Black 60% White 28% Two or more races 7% Hispanic / Latino 5%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Slovak 1% Hispanic 1% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% 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: ▲ 3.41%
• Current HPI: 282.2981
• Rent YoY: ▲ 1.70%
• 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

+252.9% since first listed

24 events — show timeline

• 2026-05-01 Listed $150,000 realMLS
• 2006-06-28 Listing Removed — realMLS
• 2006-01-09 Sold (Public Records) $79,900 Public Records
• 2005-12-29 Sold (MLS) $79,900 realMLS
• 2005-12-23 Sold (MLS) $79,900 realMLS
• 2005-10-27 Listed $79,900 realMLS
• 2005-10-27 Listed $79,900 realMLS
• 2005-10-10 Listing Removed — realMLS
• 2005-10-10 Listing Removed — realMLS
• 2005-08-25 Listed $79,900 realMLS
• 2005-08-25 Listed $79,900 realMLS
• 2005-02-17 Listing Removed — realMLS
• 2004-04-20 Listed $87,000 realMLS
• 2004-04-19 Listing Removed — realMLS
• 2004-04-05 Sold (Public Records) $65,500 Public Records
• 2004-03-29 Sold (MLS) $65,500 realMLS
• 2004-03-08 Listing Removed — realMLS
• 2003-12-09 Listed $70,000 realMLS
• 2003-03-08 Listed $67,000 realMLS
• 2003-03-01 Listing Removed — realMLS
• 2002-11-12 Listed $65,000 realMLS
• 2001-08-23 Sold (Public Records) $18,000 Public Records
• 1999-12-28 Sold (Public Records) $73,000 Public Records
• 1999-06-24 Sold (Public Records) $42,500 Public Records

Property tax history

+5.6%/yr

Latest (2025): $384 · +81.3% YoY. Source: county tax records.