6507 Timmerman Ct · Jacksonville, FL 32244

$209,900

4 bd · 3.0 ba · 1,531 sqft · SingleFamily public records · 70 Days on market

Built 2015 3,484 sqft lot Est $276k · 24% under $103/mo HOA · 5% 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 +10.9/30.0
• Livability +4.2/5.0
• 1% rule +4.0/10.0
• Schools +3.9/10.0
• DSCR +3.2/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This brand new townhome is a must see! From wood-like floors, brand new matching appliances and a beautiful kitchen, you will want to make this townhome your home! There are blinds and ceiling fans throughout. The 1 car garage offers covered and secured parking. Washer/dryer hook up.

Key facts

• Easy access to i-295
• Private backyard
• Ample cabinet space

Tags

• PRIVATE BACKYARD
• AMPLE CABINET SPACE
• EASY ACCESS TO I-295
• NEAR SHOPPING AND DINING

Property features AI

Finance

• HOA & community: Homeowners association with a monthly fee of $103; Not a senior community

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public sewer; Cable available; Water connected; Sewer connected
• Home design: Townhouse; Two levels; Attached property
• Construction: Shingle roof
• Exterior features: Asphalt road access

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Breakfast bar; Ceiling fan(s); Entrance foyer; Primary bathroom with tub and shower; Walk-in closet(s)

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $-93 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $194k (7.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (9.7% below list).
• Recommended offer: $190k (9.7% below list) — sets the bar for 1% rule.
• Cap rate 5.8% 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 15d 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 37% 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 $6k 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 70 days — a 6% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y 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 $130k; list at $210k implies a 61% gain — meaningful room to come down on a strong offer.

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 $189,561 (9.7% 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 70 days. Have you received any prior offers? Is the seller open to a 10% 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: 0.90% ✗
• Cap rate: 5.76%
• Cash-on-cash: -1.89%
• DSCR: 0.92
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $275,580
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6508 Timmerman Ct	0.04mi	3/2.5 (-1)	1,535 (+0%)	8mo	$222,020	$145	84
7348 Ironside Dr W	0.25mi	3/2.0 (-1)	1,590 (+4%)	2mo	$267,400	$168	71
7539 Mishkie Dr	0.57mi	3/2.0 (-1)	1,503 (-2%)	2mo	$305,000	$203	60
6322 Townsend Rd	0.19mi	3/2.0 (-1)	1,406 (-8%)	12mo	$245,000	$174	58
7137 Preston Pines Trl	0.43mi	4/2.0	1,648 (+8%)	12mo	$300,000	$182	53
6776 Jammes Rd	0.56mi	4/2.0	1,652 (+8%)	9mo	$269,900	$163	49
7002 Charmayn Rd	0.44mi	3/2.0 (-1)	1,451 (-5%)	15mo	$265,000	$183	49
7525 Cliff Cottage Dr	0.54mi	3/2.0 (-1)	1,590 (+4%)	16mo	$285,000	$179	46
7268 Preston Pines Trl	0.45mi	3/2.0 (-1)	1,310 (-14%)	2mo	$245,000	$187	44
6619 Gentle Oaks Dr E	0.73mi	3/2.5 (-1)	1,466 (-4%)	14mo	$268,300	$183	40
6782 Jammes Rd	0.54mi	3/2.0 (-1)	1,312 (-14%)	5mo	$236,000	$180	38
6128 Bizier Rd	0.70mi	4/2.0	1,707 (+12%)	16mo	$261,000	$153	31

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: -20.3%
• Equity multiple: 0.30×
• Total profit: $-41,229
• Equity at exit: $31,297

10-year hold

• IRR: -15.1%
• Equity multiple: 0.17×
• Total profit: $-48,786
• Equity at exit: $18,148

Cash invested: $58,772 (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: 9.2×

Monthly cashflow live

• Estimated rent: $1,896 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$299 /mo · $3,590/yr
• Insurance: −$87
• HOA: −$103
• Vacancy / Maint / Mgmt: −$398
• Net cashflow: $-93

Break-even live

Break-even rent $2,013

Max offer price $193,507

Occupancy floor 100%

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: $52,475
• Closing costs: $6,297
• 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	0.44mi
7485 Cliff Cottage Dr Jacksonville, FL	3.0	2.0	1724	$1,750	$1.02	24d	1	0.51mi
7472 Mishkie Dr Jacksonville, FL	3.0	2.0	1884	$1,965	$1.04	3d	1	0.58mi
7634 Fanning Dr Jacksonville, FL	4.0	2.0	1658	$1,850	$1.12	24d	1	0.59mi
7557 Cliff Cottage Dr Jacksonville, FL	3.0	2.0	1480	$1,875	$1.27	24d	1	0.59mi
7377 Benes Trl Jacksonville, FL	4.0	2.0	1861	$2,250	$1.21	24d	1	0.63mi
6648 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1412	$1,690	$1.20	2d	1	0.68mi
6637 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1158	$1,695	$1.46	24d	1	0.68mi
6637 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1158	$1,695	$1.46	16d	1	0.68mi
7565 Westland Oaks Dr Jacksonville, FL	3.0	2.0	1317	$2,000	$1.52	15d	1	0.68mi
7350 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	872	$1,637	$1.88	2d	23	0.69mi
7610 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	880	$1,300	$1.48	15d	1	0.75mi
6038 Bizier Rd Unit 6036 Jacksonville, FL	3.0	2.0	1975	$1,745	$0.88	15d	1	0.78mi
6371 Collins Rd Jacksonville, FL	3.0	1.0–2.0	1010	$1,981	$1.96	2d	40	0.83mi
6985 Ortega Woods Dr Unit 8 Jacksonville, FL	3.0	2.0	1157	$1,350	$1.17	2d	1	0.90mi
6099 Maggies Cir #101 Jacksonville, FL	3.0	2.0	1335	$1,650	$1.24	17d	1	0.91mi
6105 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,445	$1.29	17d	2	0.92mi
6105 Maggies Cir #115 Jacksonville, FL	3.0	2.0	1335	$1,425	$1.07	2d	1	0.92mi
6478 Silk Leaf Ln Jacksonville, FL	3.0	2.0	1682	$1,985	$1.18	24d	1	0.94mi
6094 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,425	$1.07	15d	1	0.95mi
6111 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,350	$1.01	24d	1	0.97mi
7740 Plantation Bay Dr Jacksonville, FL	1.0–3.0	1.0–2.0	927	$1,776	$1.92	3d	17	0.97mi
5900 Townsend Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1177	$1,699	$1.44	3d	12	0.98mi
6112 Maggies Cir #108 Jacksonville, FL	3.0	2.0	1335	$1,375	$1.03	24d	1	0.98mi
6945 Morse Ave Jacksonville, FL	2.0–4.0	2.0	1169	$1,716	$1.47	15d	1	1.01mi
6051 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,400	$1.05	21d	1	1.02mi
6063 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,350	$1.20	16d	2	1.04mi
6063 Maggies Cir #110 Jacksonville, FL	3.0	2.0	1335	$1,350	$1.01	4d	1	1.05mi
6869 Southern Oaks Dr W Jacksonville, FL	3.0	2.0	1660	$1,861	$1.12	14d	1	1.07mi
5726 Ovella Rd Jacksonville, FL	3.0	2.0	1579	$1,650	$1.04	24d	1	1.10mi
7379 Edenfield Park Rd Jacksonville, FL	3.0	2.5	2215	$2,000	$0.90	21d	1	1.14mi
6500 Lake Gray Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	972	$1,819	$1.87	2d	9	1.16mi
6931 Cane Grass Ln E Jacksonville, FL	3.0	2.0	2100	$2,300	$1.10	4d	1	1.19mi
7390 Overland Park Blvd Jacksonville, FL	3.0	2.0	1648	$1,970	$1.20	4d	1	1.19mi
7559 Ginger Tea Trl W Jacksonville, FL	3.0	2.0	1437	$1,695	$1.18	17d	1	1.25mi
6983 Lafayette Park Dr Jacksonville, FL	4.0	2.0	1854	$1,916	$1.03	14d	1	1.25mi
6428 Hannah Stables Dr Jacksonville, FL	3.0	2.0	1613	$1,800	$1.12	2d	1	1.27mi
7835 Longhorn Cir E Jacksonville, FL	3.0	2.0	1218	$1,955	$1.61	4d	1	1.28mi
6970 Tree Frog Ct Jacksonville, FL	3.0	2.0	1282	$1,725	$1.35	24d	1	1.28mi
6850 Rhapsody Rd Jacksonville, FL	3.0	2.5	1970	$1,995	$1.01	24d	1	1.29mi

HOA detail

• Monthly dues: $103 · $1,236/yr

Listing history 21 events

1. 2026-06-18
   days on market $209,900 Active 70 DOM
2. 2026-06-17
   days on market $209,900 Active 69 DOM
3. 2026-06-16
   days on market $209,900 Active 68 DOM
4. 2026-06-15
   days on market $209,900 Active 67 DOM
5. 2026-06-13
   days on market $209,900 Active 64 DOM
6. 2026-06-10
   days on market $209,900 Active 61 DOM
7. 2026-06-08
   days on market $209,900 Active 60 DOM
8. 2026-06-07
   days on market $209,900 Active 59 DOM
9. 2026-06-05
   days on market $209,900 Active 56 DOM
10. 2026-06-03
    days on market $209,900 Active 55 DOM
11. 2026-06-02
    days on market $209,900 Active 54 DOM
12. 2026-06-01
    days on market $209,900 Active 53 DOM
13. 2026-05-31
    days on market $209,900 Active 52 DOM
14. 2026-05-22
    status Active
15. 2026-05-02
    status Pending
16. 2026-03-31
    price $212,500
17. 2026-03-20
    listed $215,000 Active
18. 2016-06-30
    soldstatus $130,000 Sold 284-char remark

    Show marketing remark (284 chars)

    This brand new townhome is a must see! From wood-like floors, brand new matching appliances and a beautiful kitchen, you will want to make this townhome your home! There are blinds and ceiling fans throughout. The 1 car garage offers covered and secured parking. Washer/dryer hook up.

19. 2016-06-02
    listed $130,000 284-char remark

    Show marketing remark (284 chars)

    This brand new townhome is a must see! From wood-like floors, brand new matching appliances and a beautiful kitchen, you will want to make this townhome your home! There are blinds and ceiling fans throughout. The 1 car garage offers covered and secured parking. Washer/dryer hook up.

20. 2016-06-02
    historical 284-char remark

    Show marketing remark (284 chars)

    This brand new townhome is a must see! From wood-like floors, brand new matching appliances and a beautiful kitchen, you will want to make this townhome your home! There are blinds and ceiling fans throughout. The 1 car garage offers covered and secured parking. Washer/dryer hook up.

21. 2013-01-04
    soldstatus $70,000

ⓘ 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: $3,590 · $299/mo
• Projected year-2 tax: $3,590 · $299/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 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: $22,747
• − Mortgage interest: −$11,758
• − Property taxes: −$3,590
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,820
• − Management: −$1,820
• − HOA: −$1,236
• − Depreciation: −$6,106
• Taxable loss: −$4,631
• Est. tax savings @ 24.0%: +$1,111
• After-tax cash flow: $-2/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

+203.6% since first listed

8 events — show timeline

• 2026-05-22 Relisted — realMLS
• 2026-05-02 Pending — realMLS
• 2026-03-31 Price Changed $212,500 realMLS
• 2026-03-20 Listed $215,000 realMLS
• 2016-06-30 Sold (MLS) $130,000 realMLS
• 2016-06-02 Listing Removed — realMLS
• 2016-06-02 Listed $130,000 realMLS
• 2013-01-04 Sold (Public Records) $70,000 Public Records

Property tax history

+40.5%/yr

Latest (2025): $3,590 · +4.9% YoY. Source: county tax records.