12312 Pulaski Rd · Jacksonville, FL 32218

$185,000

3 bd · 1.0 ba · 1,056 sqft · SingleFamily public records · 27 Days on market

Built 1964 Est $301k · 39% under

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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 +23.3/30.0
• ARV discount +15.0/15.0
• DSCR +7.5/10.0
• 1% rule +5.6/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

Key facts

• Updated bath
• Huge patio
• Stainless appliances

Tags

• OVERSIZED LOT
• UPDATED KITCHEN
• STAINLESS APPLIANCES
• HUGE PATIO
• FULLY FENCED LOT
• UPDATED BATH

Property features AI

Finance

• Other: Annual property tax listed
• HOA & community: Not a senior community

Exterior

• Parking: Additional parking; Off-street parking; RV access/parking
• Utilities: Electricity connected; Water connected; Sewer connected
• Home design: Single Family Residence
• Exterior features: No private pool; Single-family use

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Microwave; Refrigerator; Ice maker
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air
• Interior features: Central heating; Central air; Cable available
• Laundry & utility: Washer; Dryer

🏷️ Possibly a rental listed for sale. The $185,000 price doesn't fit this home's estimated sale value (~$300,960) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $185k.

Deal economics

• At list price, monthly cash flow is $338 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $185k).
• Recommended offer: $182k (1.5% below list) — sets the bar for market timing.
• 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 (-0.4%/yr); 733 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 34% of the median local income ($70k/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 27 days — a 2% lower offer ($182k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 21y 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 $66k; list at $185k implies a 182% 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 $182,225 (1.5% below list)

Questions for the listing agent

1. Built in 1964 — 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: 1.06% ✓
• Cap rate: 8.49%
• Cash-on-cash: 7.83%
• DSCR: 1.35
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $300,960
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
12061 Pulaski Rd	0.35mi	3/1.0	912 (-14%)	6mo	$169,000	$185	56
12544 Camden Rd	0.65mi	3/2.0	1,188 (+12%)	14mo	$338,000	$285	33

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: -7.7%
• Equity multiple: 0.73×
• Total profit: $-14,212
• Equity at exit: $27,584

10-year hold

• IRR: -2.3%
• Equity multiple: 0.87×
• Total profit: $-6,954
• Equity at exit: $15,995

Cash invested: $51,800 (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 32218

• Home prices YoY: -25.7%
• Rents YoY: -0.4%
• Active inventory: 733
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,967 high
• Mortgage (P&I): −$970
• Tax from tax record: −$169 /mo · $2,023/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$413
• Net cashflow: $338

Break-even live

Break-even rent $1,539

Max offer price $185,000

Occupancy floor 78%

Sensitivity live

Price	-10% $443	-5% $391	+0% $338	+5% $286	+10% $233
Rent	-10% $183	-5% $260	+0% $338	+5% $416	+10% $494
Rate	-1.0pp $431	-0.5pp $385	base $338	+0.5pp $290	+1.0pp $241

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: $46,250
• Closing costs: $5,550
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
556 Worcester Ct Jacksonville, FL	3.0	2.0	1500	$2,000	$1.33	24d	1	0.64mi
1228 Spring Creek Ct Jacksonville, FL	3.0	2.0	1351	$1,990	$1.47	15d	1	0.71mi
12730 Barrack Ln Jacksonville, FL	3.0	2.5	1395	$1,600	$1.15	22d	1	0.85mi
12725 Whelan Ave Jacksonville, FL	3.0	2.5	1395	$1,950	$1.40	24d	1	0.86mi
525 New Berlin Rd Jacksonville, FL	4.0	1.0	1100	$2,200	$2.00	17d	1	0.93mi
256 Vernis Ave Jacksonville, FL	4.0	1.0	1050	$2,125	$2.02	24d	1	0.95mi
250 Vernis Ave Jacksonville, FL	4.0	1.0	1100	$2,250	$2.05	5d	1	0.96mi
910 Observatory Pkwy Jacksonville, FL	3.0	2.5	1500	$1,750	$1.17	24d	1	1.13mi
911 Capitol Pkwy Jacksonville, FL	3.0	2.5	1492	$1,700	$1.14	4d	1	1.17mi
943 Capitol Pkwy Jacksonville, FL	3.0	2.5	1492	$1,650	$1.11	24d	1	1.19mi
11701 Palm Lake Dr Jacksonville, FL	1.0–3.0	1.0–2.0	999	$1,957	$1.96	2d	80	1.24mi
13112 Annies Walk Dr Jacksonville, FL	3.0	2.5	1359	$1,725	$1.27	24d	1	1.26mi
11833 N Main St Jacksonville, FL	2.0	2.0	1170	$1,495	$1.28	3d	4	1.36mi
340 Shamrock Ave S Jacksonville, FL	3.0	2.0	1224	$1,769	$1.45	8d	1	1.43mi

Listing history 25 events

1. 2026-06-13
   pricestatusdays on market $185,000 Pending 27 DOM
2. 2026-06-10
   days on market $189,000 Active 25 DOM
3. 2026-06-08
   days on market $189,000 Active 24 DOM
4. 2026-06-07
   days on market $189,000 Active 23 DOM
5. 2026-06-05
   days on market $189,000 Active 20 DOM
6. 2026-06-03
   days on market $189,000 Active 19 DOM
7. 2026-06-02
   days on market $189,000 Active 18 DOM
8. 2026-06-01
   days on market $189,000 Active 17 DOM
9. 2026-05-31
   days on market $189,000 Active 16 DOM
10. 2026-05-15
    listed $189,000 Active
11. 2017-11-14
    soldstatus $65,700
12. 2017-11-13
    soldstatus $65,700 Sold 796-char remark

    Show marketing remark (796 chars)

    Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

13. 2017-09-26
    status Pending 796-char remark

    Show marketing remark (796 chars)

    Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

14. 2017-09-21
    status Active 796-char remark

    Show marketing remark (796 chars)

    Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

15. 2017-09-20
    historical 796-char remark

    Show marketing remark (796 chars)

    Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

16. 2017-09-11
    price $57,400 796-char remark

    Show marketing remark (796 chars)

    Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

17. 2017-09-05
    price $58,900 796-char remark

    Show marketing remark (796 chars)

    Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

18. 2017-06-26
    historical
19. 2017-06-26
    listed $59,000 Active
20. 2017-06-20
    listed $59,000 Active 796-char remark

    Show marketing remark (796 chars)

    Property is being sold in ''As-IS'' condition. Tenant occupied - Tenant pays $750.00 a month - WE NEED A 12 HOUR NOTICE WITH TENANT FOR SHOWINGS. Needs minor touch up. Every effort is made to produce and publish the most current and accurate information as possible. No Warranties, expressed or implied. All terms and conditions must be in writing. Buyer and their agent are totally responsible to inspect and verify all aspects of subject property AND should give their own diligence in discovering the current status of code compliance or zoning use with the property.Priced to Sell quickly. Great investment property.*Update I was alerted by seller 4 years ago there was a fire which caused smoke inhalation damaged but problem was corrected - permits were pulled and property cleared by City.

21. 2005-10-21
    historical
22. 2005-10-18
    soldstatus $65,000
23. 2005-10-14
    soldstatus $65,000
24. 2005-07-25
    listed $74,000
25. 1979-08-16
    soldstatus $15,600

ⓘ 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: $2,023 · $169/mo
• Projected year-2 tax: $2,023 · $169/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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°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 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,605
• − Mortgage interest: −$10,363
• − Property taxes: −$2,023
• − Insurance: −$925
• − Repairs & maintenance: −$1,888
• − Management: −$1,888
• − Depreciation: −$5,382
• Taxable income: $1,136
• Est. tax owed @ 24.0%: −$273
• After-tax cash flow: $3,786/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): 72,905
• Household income: $69,638
• Rent vs Own: 32.7% rent · 67.3% own
• Severe rent burden: 2289.0

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 0.64)
• Race & ethnicity: Black 48% White 35% Hispanic / Latino 9% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Slovak 1% Lithuanian 1% Italian 1%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 6% French/Haitian/Cajun 1% 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: ▼ -90.73%
• Current HPI: 262.2329
• Rent YoY: ▼ -0.40%
• 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

+1111.5% since first listed

16 events — show timeline

• 2026-05-15 Listed $189,000 realMLS
• 2017-11-14 Sold (Public Records) $65,700 Public Records
• 2017-11-13 Sold (MLS) $65,700 realMLS
• 2017-09-26 Pending — realMLS
• 2017-09-21 Relisted — realMLS
• 2017-09-20 Listing Removed — realMLS
• 2017-09-11 Price Changed $57,400 realMLS
• 2017-09-05 Price Changed $58,900 realMLS
• 2017-06-26 Listing Removed — realMLS
• 2017-06-26 Listed $59,000 realMLS
• 2017-06-20 Listed $59,000 realMLS
• 2005-10-21 Listing Removed — realMLS
• 2005-10-18 Sold (Public Records) $65,000 Public Records
• 2005-10-14 Sold (MLS) $65,000 realMLS
• 2005-07-25 Listed $74,000 realMLS
• 1979-08-16 Sold (Public Records) $15,600 Public Records

Property tax history

+6.5%/yr

Latest (2025): $2,023 · +16.2% YoY. Source: county tax records.