227 W 43rd St · Jacksonville, FL 32208

$115,000

3 bd · 1.0 ba · 980 sqft · SingleFamily public records · 6 Days on market

Built 1951 6,098 sqft lot Est $119k · at est.

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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 +23.2/30.0
• ARV discount +8.9/15.0
• DSCR +7.4/10.0
• 1% rule +5.9/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great starter home or investment property. Lots of potential! Home is being sold AS IS, seller to make no repairs.

Key facts

• 2024 hvac system
• City water
• Convenient location

Tags

• CONVENIENT LOCATION
• CITY WATER
• CITY SEWER
• 2024 HVAC SYSTEM
• 2017 ROOF REPLACEMENT

Property features AI

Finance

• Financial info: Annual taxes noted
• HOA & community: Not a senior community

Exterior

• Parking: Carport (1 space)
• Utilities: Electricity connected; Sewer connected
• Home design: Single-family residence; Used for residential purposes
• Exterior features: No private pool; Lot about 0.14 acres

Interior

• Kitchen: Electric range
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Electric range

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $207 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Cap rate 8.5% 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 soft (-1.4%/yr); 293 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 36% of the median local income ($41k/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 $795 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

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 17y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $60k; list at $115k implies a 93% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1951 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $115,000

Questions for the listing agent

1. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.09% ✓
• Cap rate: 8.46%
• Cash-on-cash: 7.73%
• DSCR: 1.34
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $118,580
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
429 W 46th St	0.25mi	2/1.0 (-1)	1,020 (+4%)	2mo	$167,000	$164	74
733 Escambia St	0.61mi	3/1.0	975 (-0%)	0mo	$90,000	$92	71
231 E 48th St	0.54mi	3/1.0	950 (-3%)	1mo	$143,900	$151	69
557 Chestnut Dr	0.39mi	2/1.0 (-1)	943 (-4%)	4mo	$125,000	$133	67
569 W 49th St	0.36mi	2/1.0 (-1)	924 (-6%)	2mo	$57,000	$62	67
250 E 48th St	0.55mi	3/1.0	1,027 (+5%)	3mo	$110,000	$107	64
4808 Silver St	0.27mi	3/1.0	1,120 (+14%)	1mo	$135,000	$121	63
334 Birch St	0.71mi	3/1.0	1,008 (+3%)	4mo	$50,000	$50	59
50 W 58th St	0.73mi	2/1.0 (-1)	1,004 (+2%)	1mo	$71,000	$71	56
6711 Drayton St	0.62mi	3/1.0	1,088 (+11%)	3mo	$138,000	$127	50
6835 Vermillion St	0.74mi	3/1.0	891 (-9%)	2mo	$65,000	$73	49
110 Tallulah Ave	0.74mi	3/1.0	1,102 (+12%)	2mo	$181,000	$164	43

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -7.9%
• Equity multiple: 0.72×
• Total profit: $-9,082
• Equity at exit: $17,147

10-year hold

• IRR: -2.7%
• Equity multiple: 0.84×
• Total profit: $-5,020
• Equity at exit: $9,943

Cash invested: $32,200 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 293
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,250 high
• Mortgage (P&I): −$603
• Tax from tax record: −$129 /mo · $1,550/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $207

Break-even live

Break-even rent $988

Max offer price $115,000

Occupancy floor 78%

Sensitivity live

Price	-10% $272	-5% $240	+0% $207	+5% $175	+10% $142
Rent	-10% $109	-5% $158	+0% $207	+5% $257	+10% $306
Rate	-1.0pp $265	-0.5pp $237	base $207	+0.5pp $178	+1.0pp $147

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
141 W 43rd St Jacksonville, FL	3.0	2.0	1022	$1,231	$1.20	4d	1	0.09mi
4918 N Pearl St Jacksonville, FL	2.0	1.0	850	$895	$1.05	24d	1	0.20mi
18 W 43rd St Jacksonville, FL	2.0	1.0	750	$795	$1.06	5d	1	0.24mi
425 W 47th St Jacksonville, FL	3.0	1.5	1083	$1,193	$1.10	8d	1	0.28mi
511 Ivy St Jacksonville, FL	2.0	1.0	900	$995	$1.11	24d	1	0.29mi
319 W 49th St Jacksonville, FL	2.0	1.0	977	$1,200	$1.23	24d	1	0.32mi
562 W 49th St Jacksonville, FL	3.0	1.0	1091	$1,195	$1.10	24d	1	0.32mi
5035 N Main St Jacksonville, FL	3.0	1.0–2.0	816	$1,459	$1.79	24d	69	0.35mi
22 W 38th St Jacksonville, FL	2.0	1.0	800	$1,100	$1.38	24d	1	0.36mi
451 Long Branch Blvd Unit 451 Jacksonville, FL	2.0	1.0	1000	$1,350	$1.35	24d	1	0.41mi
5616 Calvin Ave Jacksonville, FL	3.0	1.0	1008	$1,195	$1.19	8d	1	0.42mi
5514 Long St Jacksonville, FL	2.0	1.0	941	$1,250	$1.33	2d	1	0.42mi
205 E 44th St Jacksonville, FL	3.0	1.0	955	$1,075	$1.13	22d	1	0.47mi
222 E 43rd St Jacksonville, FL	2.0	1.0	840	$946	$1.13	24d	1	0.49mi
6460 Lanark Ave Jacksonville, FL	2.0	1.0	708	$1,095	$1.55	24d	1	0.50mi
92 W 55th St Jacksonville, FL	2.0	1.0	624	$845	$1.35	22d	1	0.50mi
4721 E Castlewood Dr Jacksonville, FL	3.0	1.0	1008	$1,250	$1.24	24d	1	0.51mi
217 E 48th St Jacksonville, FL	3.0	1.0	979	$1,096	$1.12	11d	1	0.54mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	15d	1	0.58mi
385 Duray Ct Jacksonville, FL	3.0	1.0	932	$1,250	$1.34	20d	1	0.59mi
666 Basswood St Jacksonville, FL	3.0	1.0	1002	$1,400	$1.40	24d	1	0.59mi
3933 Boulevard #2 Jacksonville, FL	2.0	1.0	684	$748	$1.09	8d	1	0.62mi
3927 Notter Ave Jacksonville, FL	2.0	1.0	738	$850	$1.15	15d	1	0.62mi
3927 Notter Ave Jacksonville, FL	2.0	1.0	738	$850	$1.15	22d	1	0.62mi
3914 Springfield Blvd Jacksonville, FL	2.0	1.0	858	$1,050	$1.22	5d	1	0.66mi
3914 Springfield Blvd Jacksonville, FL	2.0	1.0	858	$1,050	$1.22	24d	1	0.66mi
349 E 45th St Jacksonville, FL	2.0	1.0	954	$1,175	$1.23	8d	1	0.67mi
535 W 59th St Jacksonville, FL	3.0	2.0	816	$1,395	$1.71	8d	1	0.68mi
154 W 28th St Jacksonville, FL	2.0	2.0	818	$1,138	$1.39	18d	1	0.71mi
3732 Lehigh St Jacksonville, FL	2.0	1.0	850	$900	$1.06	15d	1	0.71mi
3728 Silver St Jacksonville, FL	2.0	1.0	916	$1,100	$1.20	24d	1	0.71mi
3730 Lehigh St Unit 3730 Jacksonville, FL	2.0	1.0	850	$900	$1.06	15d	1	0.71mi
41 Tallulah Ave Jacksonville, FL	3.0	1.0	1092	$1,390	$1.27	4d	1	0.72mi
481 E 44th St Jacksonville, FL	2.0	1.0	668	$899	$1.35	24d	1	0.85mi
3747 Peachtree St Jacksonville, FL	3.0	2.0	1082	$1,410	$1.30	5d	1	0.86mi
849 W 30th St Apt 3 Jacksonville, FL	2.0	1.0	750	$965	$1.29	24d	1	0.88mi
7124 Lorain St Jacksonville, FL	3.0	1.0	864	$1,043	$1.21	4d	1	0.89mi
528 W 25th St Jacksonville, FL	2.0	1.0	944	$1,100	$1.17	24d	1	0.91mi
917 W 30th St Jacksonville, FL	2.0	1.0	672	$1,200	$1.79	18d	1	0.93mi
609 E 30th St Jacksonville, FL	2.0	2.0	818	$1,138	$1.39	24d	1	0.94mi

Listing history 5 events

1. 2026-06-21
   pricedays on market $115,000 Active 6 DOM
2. 2026-06-18
   days on market $125,000 Active 3 DOM
3. 2026-06-17
   days on market $125,000 Active 2 DOM
4. 2026-06-16
   remarks 699-char remark
5. 2026-06-16
   listed $125,000 Active 1 DOM

ⓘ 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: $1,550 · $129/mo
• Projected year-2 tax: $1,550 · $129/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 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 21 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: $15,000
• − Mortgage interest: −$6,442
• − Property taxes: −$1,550
• − Insurance: −$575
• − Repairs & maintenance: −$1,200
• − Management: −$1,200
• − Depreciation: −$3,345
• Taxable income: $688
• Est. tax owed @ 24.0%: −$165
• After-tax cash flow: $2,323/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): 32,699
• Household income: $41,324
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1765.0

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 (77%)
• Race & ethnicity: Black 77% White 16% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 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: ▼ -110.56%
• Current HPI: 217.9706
• Rent YoY: ▼ -1.36%
• 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

+400.0% since first listed

10 events — show timeline

• 2026-02-13 Listed $125,000 realMLS
• 2020-10-27 Sold (Public Records) $59,500 Public Records
• 2020-10-23 Sold (MLS) $59,500 realMLS
• 2020-10-16 Pending — realMLS
• 2020-09-26 Contingent — realMLS
• 2020-09-21 Listed $65,000 realMLS
• 2018-05-16 Sold (Public Records) $49,100 Public Records
• 2012-07-15 Listing Removed — realMLS
• 2012-07-11 Sold (MLS) $25,000 realMLS
• 2009-09-11 Listed $25,000 realMLS

Property tax history

+3.8%/yr

Latest (2025): $1,550 · +17.2% YoY. Source: county tax records.