5055 San Juan Ave · Jacksonville, FL 32210

$245,000

4 bd · 3.0 ba · 1,968 sqft · MultiFamily · 139 Days on market

Built 1966 9,147 sqft lot ↓ 34% since listing

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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 +23.4/30.0
• DSCR +7.5/10.0
• ARV discount +7.5/15.0
• 1% rule +6.1/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

3 units on one parcel! This well-maintained duplex, along with a separate single-family home, offers a rare opportunity for investors or those seeking combined living and working spaces. The two duplex units are currently rented, providing immediate cash flow. The separate house, in need of repairs, offers additional potential income or owner occupancy after some TLC. The property is zoned for both commercial and residential use in a highly desirable location. These distinct buildings provide diverse income potential. The front building is a commercial office with an adaptable floor plan suitable for various businesses or a single family home.

Key facts

• Income producer
• Rear duplex
• Mixed use parcel

Tags

• MIXED USE PARCEL
• REAR DUPLEX
• INCOME PRODUCER
• REDEVELOPMENT POTENTIAL

Property features AI

Exterior

• Parking: Additional off-street parking
• Utilities: Electricity connected
• Home design: Multi-family property; Property is attached; Two buildings on the site
• Exterior features: Back yard fencing; Corner lot

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating; Electric cooling with wall/window units
• Interior features: Unfurnished

What this means for you Summary

Snapshot

• This is a 2 × 2-bed/1.5-bath units multifamily listed at $245k.

Deal economics

• At list price, monthly cash flow is $452 ($5k/yr) — positive. Per door: $226/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $245k).
• Recommended offer: $216k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.5% 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 (+2.1%/yr); 441 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).
• At $2,715/mo this rent would consume 53% of the median local household income ($61k/yr) (locally 3605% 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 $2k of loan paydown is wiped out by about $7k 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 139 days — a 12% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y 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.

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 $215,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 139 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
4. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.11% ✓
• Cap rate: 8.51%
• Cash-on-cash: 7.90%
• DSCR: 1.35
• GRM: 7.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.11% rent growth · sell at horizon

5-year hold

• IRR: -5.3%
• Equity multiple: 0.81×
• Total profit: $-13,300
• Equity at exit: $36,530

10-year hold

• IRR: 3.3%
• Equity multiple: 1.23×
• Total profit: $15,917
• Equity at exit: $21,183

Cash invested: $68,600 (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 32210

• Rents YoY: 2.1%
• Active inventory: 441
• Price-to-rent: 15.0×

Monthly cashflow live

• Estimated rent: $2,715 high
• Mortgage (P&I): −$1,285
• Tax est. 1.5%: −$306 /mo · $3,675/yr
• Insurance: −$102
• HOA: −$0
• Vacancy / Maint / Mgmt: −$570
• Net cashflow: $452

Break-even live

Break-even rent $2,143

Max offer price $245,000

Occupancy floor 78%

Sensitivity live

Price	-10% $621	-5% $536	+0% $452	+5% $367	+10% $282
Rent	-10% $237	-5% $344	+0% $452	+5% $559	+10% $666
Rate	-1.0pp $575	-0.5pp $514	base $452	+0.5pp $388	+1.0pp $324

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
▸ 2× units	2	1.5	$2,716
Total (2 units)			$2,715

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: $61,250
• Closing costs: $7,350
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5032 San Juan Ave Jacksonville, FL	4.0	2.0	1760	$1,789	$1.02	24d	1	0.03mi
5253 Janice Cir S Jacksonville, FL	4.0	1.0	1614	$1,471	$0.91	22d	1	0.36mi
5324 Fremont St Jacksonville, FL	3.0	2.0	1550	$1,495	$0.96	3d	1	0.40mi
2235 Bayview Rd Jacksonville, FL	4.0	2.0	1619	$2,595	$1.60	8d	1	0.47mi
4614 Birkenhead Rd Jacksonville, FL	3.0	2.0	1248	$1,700	$1.36	15d	1	0.56mi
1626 Stimson St Jacksonville, FL	3.0	2.5	1368	$1,641	$1.20	22d	1	0.57mi
3434 Blanding Blvd Jacksonville, FL	2.0–3.0	2.0	1101	$1,800	$1.63	3d	2	0.61mi
3434 Blanding Blvd #201 Jacksonville, FL	3.0	2.0	1253	$1,800	$1.44	18d	1	0.63mi
5821 San Juan Ave Jacksonville, FL	1.0–3.0	1.0–2.0	1056	$1,330	$1.26	4d	7	0.73mi
1480 Stimson St Jacksonville, FL	3.0	1.0	1252	$1,445	$1.15	14d	1	0.81mi
4523 Merrimac Ave Jacksonville, FL	4.0	2.0	1425	$1,544	$1.08	3d	1	0.85mi
5256 Clarendon Rd Jacksonville, FL	3.0	2.0	1278	$2,100	$1.64	24d	1	0.93mi
6026 Wilson Blvd Jacksonville, FL	4.0	3.0	1380	$700	$0.51	24d	1	0.94mi
5120 Quan Dr Jacksonville, FL	3.0	1.0	1454	$1,250	$0.86	2d	1	0.96mi
6119 Wilson Blvd Jacksonville, FL	4.0	2.0	1302	$1,395	$1.07	24d	1	0.97mi
6039 Oracle Ct Unit 1 Jacksonville, FL	3.0	2.5	2010	$2,600	$1.29	3d	1	0.99mi
4610 Cedarwood Rd Jacksonville, FL	3.0	1.0	1381	$1,950	$1.41	18d	1	1.01mi
1354 Stimson St Jacksonville, FL	4.0	2.0	1601	$2,100	$1.31	24d	1	1.05mi
1554 Geraldine Dr Jacksonville, FL	3.0	2.0	1362	$2,850	$2.09	8d	1	1.08mi
1648 Euclid St Jacksonville, FL	3.0	2.0	1628	$2,395	$1.47	15d	1	1.08mi
1374 Murray Dr Jacksonville, FL	3.0	2.0	1338	$1,950	$1.46	12d	1	1.09mi
1374 Lake Shore Blvd Jacksonville, FL	4.0	2.0	1456	$2,150	$1.48	8d	2	1.10mi
1650 Parrish Pl Jacksonville, FL	3.0	1.0	1387	$2,100	$1.51	24d	1	1.15mi
3607 Colebrooke Dr Jacksonville, FL	3.0	2.0	1360	$1,590	$1.17	3d	1	1.16mi
1760 Mayview Rd Jacksonville, FL	3.0	2.0	1721	$2,500	$1.45	18d	1	1.17mi
4301 Confederate Point Rd Jacksonville, FL	3.0	1.0–2.0	1042	$1,606	$1.54	3d	39	1.20mi
1335 Mull St Jacksonville, FL	3.0	2.5	1409	$1,725	$1.22	24d	1	1.21mi
6171 Cedar Hills Blvd Jacksonville, FL	3.0	1.0	1560	$1,550	$0.99	8d	1	1.21mi
6037 Marsha Dr Jacksonville, FL	3.0	1.0	1296	$1,250	$0.96	15d	1	1.24mi
1303 Mull St Jacksonville, FL	3.0	2.5	1409	$1,725	$1.22	24d	1	1.26mi
4020 Angol Pl Jacksonville, FL	3.0	1.0	1266	$1,845	$1.46	18d	1	1.27mi
4128 Arcot Cir Unit NA Jacksonville, FL	3.0	2.0	1640	$1,800	$1.10	24d	1	1.29mi
4102 Angol Pl Jacksonville, FL	3.0	2.0	1470	$1,650	$1.12	5d	1	1.30mi
4375 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1125	$1,536	$1.37	3d	22	1.30mi
3668 Jammes Rd Jacksonville, FL	3.0	2.0	1227	$1,540	$1.26	5d	1	1.31mi
1289 Neva St Jacksonville, FL	3.0	2.5	1509	$1,585	$1.05	24d	1	1.34mi
6650 Pinnochio Dr Jacksonville, FL	4.0	3.0	1665	$2,250	$1.35	22d	1	1.36mi
1252 Mull St Jacksonville, FL	3.0	2.5	1509	$1,496	$0.99	17d	1	1.38mi
2640 Hugh Edwards Dr Jacksonville, FL	3.0	2.0	1816	$1,495	$0.82	24d	1	1.41mi
4455 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1045	$1,599	$1.53	2d	19	1.42mi

Listing history 16 events

1. 2026-06-18
   days on market $245,000 Active 139 DOM
2. 2026-06-17
   days on market $245,000 Active 138 DOM
3. 2026-06-16
   days on market $245,000 Active 137 DOM
4. 2026-06-15
   days on market $245,000 Active 136 DOM
5. 2026-06-10
   days on market $245,000 Active 130 DOM
6. 2026-06-08
   days on market $245,000 Active 129 DOM
7. 2026-06-07
   days on market $245,000 Active 128 DOM
8. 2026-06-03
   days on market $245,000 Active 124 DOM
9. 2026-06-02
   days on market $245,000 Active 123 DOM
10. 2026-06-01
    days on market $245,000 Active 122 DOM
11. 2026-05-31
    days on market $245,000 Active 121 DOM
12. 2026-05-10
    price $245,000
13. 2026-01-28
    listed $250,000 Active
14. 2025-05-09
    historical 651-char remark

    Show marketing remark (651 chars)

    3 units on one parcel! This well-maintained duplex, along with a separate single-family home, offers a rare opportunity for investors or those seeking combined living and working spaces. The two duplex units are currently rented, providing immediate cash flow. The separate house, in need of repairs, offers additional potential income or owner occupancy after some TLC. The property is zoned for both commercial and residential use in a highly desirable location. These distinct buildings provide diverse income potential. The front building is a commercial office with an adaptable floor plan suitable for various businesses or a single family home.

15. 2025-01-15
    price $299,900 651-char remark

    Show marketing remark (651 chars)

    3 units on one parcel! This well-maintained duplex, along with a separate single-family home, offers a rare opportunity for investors or those seeking combined living and working spaces. The two duplex units are currently rented, providing immediate cash flow. The separate house, in need of repairs, offers additional potential income or owner occupancy after some TLC. The property is zoned for both commercial and residential use in a highly desirable location. These distinct buildings provide diverse income potential. The front building is a commercial office with an adaptable floor plan suitable for various businesses or a single family home.

16. 2024-11-09
    listed $369,900 Active 651-char remark

    Show marketing remark (651 chars)

    3 units on one parcel! This well-maintained duplex, along with a separate single-family home, offers a rare opportunity for investors or those seeking combined living and working spaces. The two duplex units are currently rented, providing immediate cash flow. The separate house, in need of repairs, offers additional potential income or owner occupancy after some TLC. The property is zoned for both commercial and residential use in a highly desirable location. These distinct buildings provide diverse income potential. The front building is a commercial office with an adaptable floor plan suitable for various businesses or a single family home.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 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: $32,580
• − Mortgage interest: −$13,724
• − Property taxes: −$3,675
• − Insurance: −$1,225
• − Repairs & maintenance: −$2,606
• − Management: −$2,606
• − Depreciation: −$7,127
• Taxable income: $1,616
• Est. tax owed @ 24.0%: −$388
• After-tax cash flow: $5,033/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): 65,729
• Household income: $61,050
• Rent vs Own: 42.6% rent · 57.4% own
• Severe rent burden: 3605.0

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 0.65)
• Race & ethnicity: White 43% Black 38% Hispanic / Latino 10% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3%
• Common ancestry: Slovak 2% Hispanic 2% Italian 1%
• Foreign-born: 10% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 7% French/Haitian/Cajun 2% 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: ▼ -314.81%
• Current HPI: 281.2688
• Rent YoY: ▲ 2.11%
• 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

-33.8% since first listed

5 events — show timeline

• 2026-05-10 Price Changed $245,000 realMLS
• 2026-01-28 Listed $250,000 realMLS
• 2025-05-09 Listing Removed — realMLS
• 2025-01-15 Price Changed $299,900 realMLS
• 2024-11-09 Listed $369,900 realMLS