1058 Dyal St · Jacksonville, FL 32206

$74,500

3 bd · 1.0 ba · 1,012 sqft · SingleFamily public records · 95 Days on market

Built 1914 7,405 sqft lot Est $129k · 42% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

HOUSE NEED WORK. GO PREPAIRED.

Key facts

• Tenant occupied
• Convenient access
• 7,405 sq ft lot

Tags

• INVESTMENT OPPORTUNITY
• TENANT OCCUPIED
• IMMEDIATE RENTAL INCOME
• CONVENIENT ACCESS

Property features AI

Finance

• Other: Lot approximately 0.17 acres; No private pool; Current use: Residential; Other structures on site
• HOA & community: Not a senior community

Exterior

• Parking: Attached garage
• Utilities: Public sewer; Sewer connected; Water connected
• Home design: Single family residence; One level; Entry on level 1; North-facing
• Construction: Wood siding
• Exterior features: Full fencing

Interior

• Kitchen: Electric oven; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Wall/window cooling unit(s)
• Interior features: Unfurnished

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $74k.

Deal economics

• At list price, monthly cash flow is $553 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $74k).
• Recommended offer: $68k (9.0% below list) — sets the bar for market timing.
• Cap rate 15.2% vs local median 3.9% 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 flat; 200 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 40% of the median local income ($39k/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 $515 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 0.9% rent growth), your $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 95 days — a 9% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y ago; this cycle's ask has dropped $10k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $22k; list at $74k implies a 239% 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→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $67,795 (9.0% below list)

Questions for the listing agent

1. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 9% 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. 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: 1.77% ✓
• Cap rate: 15.20%
• Cash-on-cash: 31.82%
• DSCR: 2.42
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $128,524
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1046 Dyal St	0.02mi	2/2.0 (-1)	980 (-3%)	10mo	$163,569	$167	76
1528 Van Buren St	0.42mi	2/1.0 (-1)	1,008 (-0%)	3mo	$73,000	$72	72
1143 E 12th St	0.18mi	3/1.0	1,128 (+12%)	1mo	$97,000	$86	71
1124 E 14th St	0.25mi	3/1.0	1,086 (+7%)	10mo	$149,900	$138	68
1046 E 13th St	0.18mi	3/1.5	1,116 (+10%)	9mo	$181,000	$162	65
1439 Joseph St	0.37mi	3/2.0	948 (-6%)	5mo	$120,000	$127	64
1451 Joseph St	0.38mi	3/2.0	948 (-6%)	5mo	$120,000	$127	63
1202 E 14th St	0.29mi	2/1.0 (-1)	904 (-11%)	11mo	$64,000	$71	54
230 E 19th St	0.67mi	3/2.0	1,042 (+3%)	7mo	$90,000	$86	54
1928 Brackland St	0.60mi	3/2.0	1,094 (+8%)	7mo	$175,000	$160	49
2131 Thelma St	0.68mi	2/1.0 (-1)	928 (-8%)	4mo	$107,500	$116	46
1525 E 15th St	0.54mi	3/2.0	1,116 (+10%)	9mo	$140,000	$125	46

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 · 0.94% rent growth · sell at horizon

5-year hold

• IRR: 24.5%
• Equity multiple: 1.98×
• Total profit: $20,476
• Equity at exit: $11,108

10-year hold

• IRR: 31.0%
• Equity multiple: 3.52×
• Total profit: $52,644
• Equity at exit: $6,441

Cash invested: $20,860 (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 32206

• Home prices YoY: -23.7%
• Rents YoY: 0.9%
• Active inventory: 200
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,321 high
• Mortgage (P&I): −$391
• Tax from tax record: −$69 /mo · $828/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $553

Break-even live

Break-even rent $621

Max offer price $74,500

Occupancy floor 53%

Sensitivity live

Price	-10% $595	-5% $574	+0% $553	+5% $532	+10% $511
Rent	-10% $449	-5% $501	+0% $553	+5% $605	+10% $657
Rate	-1.0pp $591	-0.5pp $572	base $553	+0.5pp $534	+1.0pp $514

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: $18,625
• Closing costs: $2,235
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1010 E 13th St Jacksonville, FL	3.0	2.0	1220	$1,275	$1.05	15d	1	0.17mi
1164 E 16th St Jacksonville, FL	2.0	1.0	750	$1,000	$1.33	8d	2	0.34mi
1926 Walnut St Jacksonville, FL	3.0	2.0	1338	$1,418	$1.06	15d	1	0.37mi
1736 Ionia St Jacksonville, FL	2.0	1.0	1036	$1,650	$1.59	18d	1	0.41mi
1529 Spearing St Jacksonville, FL	3.0	2.0	1077	$1,425	$1.32	5d	1	0.46mi
2514 Walnut St Unit 2520 Jacksonville, FL	2.0	1.0	1119	$1,100	$0.98	24d	1	0.46mi
1115 E 5th St Jacksonville, FL	3.0	2.0	1175	$1,450	$1.23	24d	1	0.48mi
706 E 5th St Jacksonville, FL	3.0	2.5	1284	$1,436	$1.12	24d	1	0.51mi
1976 Lambert St Jacksonville, FL	3.0	1.0	1012	$1,115	$1.10	24d	1	0.53mi
2125 Lambert St Jacksonville, FL	2.0	1.0	1040	$1,195	$1.15	5d	1	0.55mi
1617 E 14th St Jacksonville, FL	2.0	1.0	1124	$1,300	$1.16	24d	1	0.56mi
318 E 19th St Jacksonville, FL	2.0	1.0	1096	$895	$0.82	24d	1	0.60mi
435 Springfield Ct N Jacksonville, FL	2.0	1.0	950	$1,100	$1.16	24d	1	0.62mi
55 E 9th St Jacksonville, FL	3.0	1.5	1246	$1,675	$1.34	15d	1	0.64mi
1362 Florida Ave Jacksonville, FL	3.0	2.0	1000	$1,268	$1.27	4d	1	0.64mi
1726 Buckman St Jacksonville, FL	2.0	1.0	1166	$1,075	$0.92	8d	1	0.66mi
1364 Harrison St Jacksonville, FL	2.0	1.0	725	$900	$1.24	24d	2	0.66mi
1353 Palmetto St Jacksonville, FL	3.0	2.0	1000	$1,330	$1.33	24d	1	0.68mi
1361 Bridier St Apt 2 Jacksonville, FL	2.0	1.0	700	$935	$1.34	13d	1	0.68mi
1715 Brackland St Jacksonville, FL	4.0	2.0	1175	$1,425	$1.21	15d	1	0.73mi
3403 Phoenix Ave Jacksonville, FL	3.0	1.0	1002	$995	$0.99	8d	1	0.74mi
720 E 3rd St Jacksonville, FL	3.0	1.0	1076	$1,075	$1.00	24d	1	0.75mi
11 E 7th St Unit 1 Jacksonville, FL	2.0	1.0	900	$1,150	$1.28	24d	1	0.77mi
1125 E 24th St Jacksonville, FL	2.0	1.0	914	$600	$0.66	18d	1	0.77mi
443 E 3rd St Jacksonville, FL	2.0	2.0	1008	$1,750	$1.74	17d	1	0.78mi
2025 N Laura St Jacksonville, FL	2.0	1.0	1000	$1,195	$1.20	5d	1	0.78mi
2063 N Laura St Jacksonville, FL	2.0	1.0	900	$1,250	$1.39	24d	1	0.79mi
1143 Van Buren St Jacksonville, FL	3.0	2.0	1230	$1,421	$1.16	17d	1	0.80mi
2040 N Laura St Jacksonville, FL	2.0	1.5	1300	$1,498	$1.15	24d	1	0.81mi
1128 Van Buren St Unit 1 Jacksonville, FL	2.0	1.0	744	$1,000	$1.34	24d	1	0.82mi
1226 Clark St Jacksonville, FL	2.0	1.0	966	$1,175	$1.22	24d	1	0.82mi
1130 Spearing St Jacksonville, FL	3.0	1.0	1320	$1,400	$1.06	21d	1	0.83mi
3303 Jones St Jacksonville, FL	2.0	1.0	840	$1,000	$1.19	24d	1	0.86mi
3303 Jones St Jacksonville, FL	2.0	1.0	840	$1,000	$1.19	5d	1	0.86mi
1153 Walnut St #4 Jacksonville, FL	3.0	1.0	1170	$1,195	$1.02	13d	1	0.90mi
1153 Walnut St #4 Jacksonville, FL	3.0	1.0	1170	$1,195	$1.02	5d	1	0.90mi
231 W 10th St Jacksonville, FL	3.0	1.0	1200	$1,500	$1.25	24d	1	0.94mi
609 E 30th St Jacksonville, FL	2.0	2.0	818	$1,138	$1.39	24d	1	0.95mi
3747 Peachtree St Jacksonville, FL	3.0	2.0	1082	$1,410	$1.30	5d	1	0.95mi
1305 E 30th St Jacksonville, FL	2.0	1.0	859	$1,150	$1.34	24d	1	0.97mi

Listing history 10 events

1. 2026-05-23
   status Active
2. 2026-05-22
   historical
3. 2026-05-15
   price $74,500
4. 2026-04-08
   price $75,000
5. 2026-03-23
   price $75,900
6. 2026-03-17
   price $79,900
7. 2026-02-20
   listed $85,000 Active
8. 2021-01-21
   soldstatus $22,000 Sold 31-char remark

   Show marketing remark (31 chars)

   HOUSE NEED WORK. GO PREPAIRED.

9. 2021-01-06
   status Pending 31-char remark

   Show marketing remark (31 chars)

   HOUSE NEED WORK. GO PREPAIRED.

10. 2020-12-14
    listed $35,000 Active 31-char remark

    Show marketing remark (31 chars)

    HOUSE NEED WORK. GO PREPAIRED.

ⓘ 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: $828 · $69/mo
• Projected year-2 tax: $828 · $69/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 3/10 Moderate FEMA zone X (unshaded) · 20% 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 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,855
• − Mortgage interest: −$4,173
• − Property taxes: −$828
• − Insurance: −$372
• − Repairs & maintenance: −$1,268
• − Management: −$1,268
• − Depreciation: −$2,167
• Taxable income: $5,778
• Est. tax owed @ 24.0%: −$1,387
• After-tax cash flow: $5,250/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): 17,105
• Household income: $39,242
• Rent vs Own: 53.7% rent · 46.3% own
• Severe rent burden: 1057.0

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 (65%)
• Race & ethnicity: Black 65% White 22% Two or more races 8% Hispanic / Latino 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Italian 2% Romanian 1% Slovak 1%
• Foreign-born: 5% · Canada
• Languages at home: 93% English-only · Spanish 3% Arabic 1% German/W. Germanic 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: ▼ -64.55%
• Current HPI: 208.1852
• Rent YoY: ▲ 0.94%
• 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

+112.9% since first listed

10 events — show timeline

• 2026-05-23 Relisted — realMLS
• 2026-05-22 Listing Removed — realMLS
• 2026-05-15 Price Changed $74,500 realMLS
• 2026-04-08 Price Changed $75,000 realMLS
• 2026-03-23 Price Changed $75,900 realMLS
• 2026-03-17 Price Changed $79,900 realMLS
• 2026-02-20 Listed $85,000 realMLS
• 2021-01-21 Sold (MLS) $22,000 realMLS
• 2021-01-06 Pending — realMLS
• 2020-12-14 Listed $35,000 realMLS

Property tax history

+5.9%/yr

Latest (2025): $828 · +30.8% YoY. Source: county tax records.