1870 Hartridge St · Jacksonville, FL 32209

$109,900

3 bd · 2.0 ba · 1,048 sqft · SingleFamily public records · 174 Days on market

Built 1988 3,920 sqft lot Est $92k · 19% over

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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 +24.2/30.0
• DSCR +7.8/10.0
• 1% rule +6.4/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

INCOME producing turn key rental at $800 a month! Home features new kitchen, new carpet throughout, new bathrooms, new paint, new appliances, and newer a/c!

Key facts

• Covered front porch
• Off street parking
• Move in ready

Tags

• MOVE IN READY
• COVERED FRONT PORCH
• OFF STREET PARKING
• EASY ACCESS TO DOWNTOWN
• EASY ACCESS TO MAJOR HIGHWAYS
• EASY ACCESS TO SCHOOLS

Property features AI

Finance

• Other: Lot approximately 0.09 acres
• HOA & community: Not a senior community

Exterior

• Parking: Off-street parking
• Utilities: Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Single family residence; One-level home
• Construction: Composition siding; Shingle roof
• Exterior features: Covered front porch; Chain link fence

Interior

• Kitchen: Electric cooktop; Electric oven; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Central heating and central air conditioning; Cable available
• Laundry & utility: In-unit washer hookup; In-unit electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $219 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $97k (12.0% 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 (+1.8%/yr); 394 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).
• At $1,255/mo this rent would consume 49% of the median local household income ($31k/yr) (locally 2921% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $760 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 174 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 7y ago; this cycle's ask has dropped $15k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $96,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 1.14% ✓
• Cap rate: 8.69%
• Cash-on-cash: 8.55%
• DSCR: 1.38
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $92,224
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1831 Broadway Ave	0.29mi	3/2.0	1,050 (+0%)	3mo	$95,000	$90	84
1116 Fairfax St	0.09mi	3/1.0	1,000 (-5%)	2mo	$173,017	$173	83
1550 W 2nd St	0.41mi	3/2.0	972 (-7%)	2mo	$123,500	$127	67
2067 Woodside St	0.49mi	3/1.0	1,013 (-3%)	1mo	$34,900	$34	66
1725 Seminary St	0.43mi	3/1.0	996 (-5%)	3mo	$88,000	$88	66
1783 W 10th St	0.66mi	3/2.0	1,084 (+3%)	3mo	$211,020	$195	60
1519 8th St W	0.69mi	3/1.0	996 (-5%)	0mo	$20,000	$20	55
1924 McMillan St	0.66mi	2/2.5 (-1)	1,022 (-2%)	4mo	$209,020	$205	55
2202 W 1st St	0.66mi	3/1.0	988 (-6%)	2mo	$56,900	$58	54
2231 Placeda St	0.70mi	2/1.0 (-1)	1,081 (+3%)	2mo	$26,000	$24	52
2028 Hartridge St	0.42mi	3/1.0	1,200 (+14%)	4mo	$87,000	$73	49
2081 Baldwin St	0.53mi	3/1.0	915 (-13%)	2mo	$47,000	$51	48

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 · 1.81% rent growth · sell at horizon

5-year hold

• IRR: -4.7%
• Equity multiple: 0.83×
• Total profit: $-5,297
• Equity at exit: $16,386

10-year hold

• IRR: 3.6%
• Equity multiple: 1.24×
• Total profit: $7,535
• Equity at exit: $9,502

Cash invested: $30,772 (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 32209

• Home prices YoY: -22.1%
• Rents YoY: 1.8%
• Active inventory: 394
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,255 high
• Mortgage (P&I): −$576
• Tax from tax record: −$150 /mo · $1,804/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$264
• Net cashflow: $219

Break-even live

Break-even rent $978

Max offer price $109,900

Occupancy floor 78%

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1319 Woods St Jacksonville, FL	3.0	2.0	1103	$1,221	$1.11	23d	1	0.14mi
1751 Broadway Ave Jacksonville, FL	2.0	1.0	1000	$1,525	$1.52	4d	1	0.15mi
1783 W 3rd St Jacksonville, FL	3.0	1.0	816	$650	$0.80	23d	1	0.16mi
1911 W 3rd St Jacksonville, FL	3.0	1.0	912	$1,050	$1.15	4d	1	0.19mi
1710 W 2nd St Unit A Jacksonville, FL	2.0	1.0	939	$800	$0.85	23d	1	0.20mi
1788 W 5th St Jacksonville, FL	3.0	2.0	948	$1,295	$1.37	23d	1	0.23mi
1866 W 6th St Jacksonville, FL	3.0	1.0	1064	$1,120	$1.05	3d	1	0.26mi
1657 Union St W Unit 1 Jacksonville, FL	2.0	1.0	700	$1,050	$1.50	1d	1	0.29mi
1640 W 4th St Unit 1 Jacksonville, FL	4.0	2.0	1119	$1,675	$1.50	19d	1	0.32mi
1934 W 6th St Jacksonville, FL	3.0	1.0	948	$1,125	$1.19	23d	1	0.32mi
1545 Union St W Jacksonville, FL	3.0	2.0	1253	$1,400	$1.12	2d	1	0.36mi
1607 Logan St Jacksonville, FL	4.0	2.0	1232	$1,800	$1.46	23d	1	0.37mi
1539 Union St W Jacksonville, FL	3.0	1.5	1000	$1,144	$1.14	13d	1	0.37mi
1979 Yulee St Jacksonville, FL	3.0	2.0	1050	$1,500	$1.43	23d	1	0.39mi
1995 W 4th St Jacksonville, FL	4.0	1.5	1213	$1,375	$1.13	23d	1	0.39mi
1923 Broadway Ave Jacksonville, FL	3.0	2.0	1230	$1,421	$1.16	23d	1	0.39mi
844 Tyler St Unit 1 Jacksonville, FL	2.0	1.0	800	$900	$1.12	7d	1	0.41mi
1470 Windle St Jacksonville, FL	3.0	2.0	1170	$1,425	$1.22	14d	1	0.46mi
2011 W 5th St Jacksonville, FL	3.0	1.0	988	$1,150	$1.16	23d	1	0.46mi
2012 Baldwin St Jacksonville, FL	3.0	2.0	1232	$1,445	$1.17	23d	1	0.48mi
1448 Union St W Jacksonville, FL	3.0	1.0	958	$1,200	$1.25	23d	1	0.50mi
1733 McMillan St Jacksonville, FL	3.0	2.0	1211	$1,265	$1.04	4d	1	0.50mi
1721 Campus St Jacksonville, FL	3.0	2.0	909	$1,400	$1.54	23d	1	0.51mi
1776 Spires Ave Unit 2 Jacksonville, FL	2.0	1.0	800	$1,125	$1.41	4d	1	0.52mi
1934 Ella St Jacksonville, FL	3.0	1.0	1045	$1,095	$1.05	20d	1	0.53mi
1437 Prince St Unit 1437 Jacksonville, FL	2.0	1.0	700	$1,120	$1.60	23d	1	0.56mi
1570 Mc Conihe St Unit B Jacksonville, FL	2.0	1.0	714	$875	$1.23	23d	1	0.57mi
1478 W 5th St Jacksonville, FL	3.0	1.0	960	$1,225	$1.28	23d	1	0.57mi
1478 W 5th St Jacksonville, FL	3.0	1.0	960	$1,225	$1.28	4d	1	0.57mi
1425 Morgan St Jacksonville, FL	2.0	1.0	850	$650	$0.76	3d	1	0.57mi
1537 7th St W Unit B Jacksonville, FL	3.0	1.0	950	$1,050	$1.11	23d	1	0.59mi
1537 W 7th St Jacksonville, FL	3.0	1.0	950	$1,050	$1.11	7d	1	0.59mi
1740 W 9th St Jacksonville, FL	4.0	2.0	1148	$1,285	$1.12	20d	1	0.59mi
1460 W 5th St Unit 1 Jacksonville, FL	2.0	1.0	700	$850	$1.21	11d	1	0.60mi
1145 N Canal St Jacksonville, FL	2.0	2.0	1184	$1,396	$1.18	2d	1	0.60mi
2128 Woodside St Jacksonville, FL	2.0	1.0	776	$895	$1.15	23d	1	0.61mi
1376 Prince St Jacksonville, FL	2.0	1.0	800	$1,050	$1.31	7d	1	0.62mi
2008 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	21d	1	0.63mi
2012 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	20d	1	0.63mi
2154 Placeda St Jacksonville, FL	4.0	1.5	1124	$1,500	$1.33	21d	1	0.64mi

Listing history 20 events

1. 2026-06-18
   days on market $109,900 Active 174 DOM
2. 2026-06-17
   days on market $109,900 Active 173 DOM
3. 2026-06-16
   days on market $109,900 Active 172 DOM
4. 2026-06-15
   days on market $109,900 Active 171 DOM
5. 2026-06-10
   days on market $109,900 Active 165 DOM
6. 2026-06-08
   days on market $109,900 Active 164 DOM
7. 2026-06-08
   days on market $109,900 Active 163 DOM
8. 2026-06-03
   days on market $109,900 Active 159 DOM
9. 2026-06-02
   days on market $109,900 Active 158 DOM
10. 2026-06-01
    days on market $109,900 Active 157 DOM
11. 2026-05-31
    days on market $109,900 Active 156 DOM
12. 2026-05-21
    status Active
13. 2026-04-28
    price $109,900
14. 2026-04-06
    status Active
15. 2026-03-30
    status Pending
16. 2026-03-30
    historical
17. 2026-02-10
    price $114,900
18. 2025-11-04
    listed $124,900 Active
19. 2019-11-15
    historical 156-char remark

    Show marketing remark (156 chars)

    INCOME producing turn key rental at $800 a month! Home features new kitchen, new carpet throughout, new bathrooms, new paint, new appliances, and newer a/c!

20. 2019-10-23
    listed $59,000 Active 156-char remark

    Show marketing remark (156 chars)

    INCOME producing turn key rental at $800 a month! Home features new kitchen, new carpet throughout, new bathrooms, new paint, new appliances, and newer a/c!

ⓘ 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: $1,804 · $150/mo
• Projected year-2 tax: $1,804 · $150/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 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 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,065
• − Mortgage interest: −$6,156
• − Property taxes: −$1,804
• − Insurance: −$550
• − Repairs & maintenance: −$1,205
• − Management: −$1,205
• − Depreciation: −$3,197
• Taxable income: $948
• Est. tax owed @ 24.0%: −$228
• After-tax cash flow: $2,405/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): 34,657
• Household income: $30,514
• Rent vs Own: 53.0% rent · 47.0% own
• Severe rent burden: 2921.0

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 (88%)
• Race & ethnicity: Black 88% White 5% Hispanic / Latino 5% Two or more races 2%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Hispanic 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% French/Haitian/Cajun 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: ▼ -53.92%
• Current HPI: 189.5977
• Rent YoY: ▲ 1.81%
• 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

+86.3% since first listed

9 events — show timeline

• 2026-05-21 Relisted — realMLS
• 2026-04-28 Price Changed $109,900 realMLS
• 2026-04-06 Relisted — realMLS
• 2026-03-30 Pending — realMLS
• 2026-03-30 Listing Removed — realMLS
• 2026-02-10 Price Changed $114,900 realMLS
• 2025-11-04 Listed $124,900 realMLS
• 2019-11-15 Listing Removed — realMLS
• 2019-10-23 Listed $59,000 realMLS

Property tax history

+18.4%/yr

Latest (2025): $1,804 · +18.4% YoY. Source: county tax records.