1684 Freedom Dr · Middleburg, FL 32068

$272,000

3 bd · 2.0 ba · 1,568 sqft · Manufactured public records · 124 Days on market

Built 1997 2.20 ac lot Est $254k · 7% over

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Why this score? — see what drove the F 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 +8.2/30.0
• Schools +5.1/10.0
• ARV discount +4.3/15.0
• Rent growth +3.3/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• DSCR +2.2/10.0
• 1% rule +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

**SELLER OFFERING $5K TOWARDS BUYER CLOSING COSTS - OPEN HOUSE SAT 1/14 2-4PM** LET FREEDOM (from renting) RING! 1684 Freedom Dr is ready for a new owner to fill it. Bring your chickens, pigs, ducks, koi fish, dogs - you name it and there's a place for them on this 2.2 acre lot. This 4 bedroom split floor plan is perfect for entertaining & the spacious kitchen will inspire your inner Emeril. The home's front acre is cleared and fully fenced, with ample opportunities for the additional acre behind the home. In the backyard you'll find a peaceful man made koi pond surrounded by lush banana trees. Grow your own veggies in the garden area that is already set up for the next green thumb. Roof, HVAC and water heater have been replaced in the past 2 years - and the metal roof still has plenty of life left. No HOA to hassle you, but you still get the benefits of a welcoming community of neighbors that all work together to keep the area clean and maintained. Chores are much easier with no carpet anywhere - perfect for little ones and pets. Spend your mornings on the front porch sipping on coffee, and evenings grilling in the back while taking in your private oasis. Schedule your showing to see this adorable home today!

Key facts

• Fully fenced
• Spacious kitchen
• 2.16 acre property

Tags

• 2.16 ACRE PROPERTY
• SPACIOUS KITCHEN
• FULLY FENCED
• ESTABLISHED GARDEN AREA
• NO HOA RESTRICTIONS
• USABLE LAND

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Other parking
• Utilities: Septic tank; Electricity connected
• Home design: Manufactured home; Single-story (entry level: 1); Residential use
• Construction: Metal roof
• Exterior features: Front porch; Wooded lot; Dirt road access

Interior

• Kitchen: Convection oven; Disposal; Electric range
• Bedrooms: 4 bedrooms (main level)
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Vinyl flooring
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $272k.

Deal economics

• At list price, monthly cash flow is $-257 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $227k (16.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $191k (29.7% below list).
• Recommended offer: $191k (29.7% below list) — sets the bar for 1% rule.
• Cap rate 5.2% vs local median 3.8% in Middleburg — 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 65/100 on livability (#657 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Clay (suburban): math 58% / reading 59% proficiency, ranked #14 of 73 in FL (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: J.L. Wilkinson Elementary School (math 57% / reading 49%, grade C, #963 of 2,144 statewide, top 45%, 717 students, 100% FRL); Wilkinson Junior High School (math 54% / reading 49%, grade C, #232 of 571 statewide, top 41%, 752 students, 100% FRL); Middleburg High School (math 41% / reading 52%, grade D-, #216 of 667 statewide, top 33%, 1,852 students, 47% FRL) — zoned schools average 82% FRL vs 35% district-wide (47 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.4%/yr); 601 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 1,876 units permitted in Clay County in 2024 (14 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Clay 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 124 days — a 12% lower offer ($239k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 5y ago; this cycle's ask has dropped $23k (8%) 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; severe wildfire risk; extreme-heat days projected 7→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $191,259 (29.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 124 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.70% ✗
• Cap rate: 5.16%
• Cash-on-cash: -4.05%
• DSCR: 0.82
• GRM: 11.9

CMA / ARV

• ARV (on-the-fly): $254,016
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2001 Liberty Way	0.14mi	3/2.0	1,440 (-8%)	1mo	$277,500	$193	79
125 Melanie Ln	0.49mi	3/2.0	1,566 (-0%)	5mo	$315,000	$201	73
1743 Blue Jay Dr	0.26mi	4/2.0 (+1)	1,650 (+5%)	4mo	$245,000	$148	71
121 Melanie Ln	0.43mi	3/2.0	1,680 (+7%)	1mo	$270,000	$161	67
5060 County Road 218	0.37mi	3/2.0	1,560 (-0%)	20mo	$252,000	$162	66
1961 Gentlebreeze Rd	0.37mi	3/3.0	1,510 (-4%)	14mo	$215,000	$142	61
1993 Gentle Breeze Rd	0.38mi	4/2.0 (+1)	1,560 (-0%)	19mo	$252,900	$162	60
1761 Treeland Ave	0.56mi	3/2.0	1,440 (-8%)	3mo	$264,000	$183	58
1886 Gentle Breeze Rd	0.68mi	4/2.0 (+1)	1,680 (+7%)	1mo	$150,000	$89	50
1995 Teal Ln	0.66mi	4/2.0 (+1)	1,536 (-2%)	14mo	$259,900	$169	49
144 Melanie Ln	0.53mi	3/2.0	1,680 (+7%)	21mo	$239,900	$143	46
1915 Gentlebreeze Rd	0.54mi	3/2.0	1,352 (-14%)	13mo	$265,000	$196	40

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 · 3.35% rent growth · sell at horizon

5-year hold

• IRR: -22.8%
• Equity multiple: 0.21×
• Total profit: $-59,794
• Equity at exit: $40,556

10-year hold

• IRR: -16.4%
• Equity multiple: 0.07×
• Total profit: $-70,494
• Equity at exit: $23,518

Cash invested: $76,160 (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 32068

• Home prices YoY: -27.5%
• Rents YoY: 3.4%
• Active inventory: 601
• Price-to-rent: 11.9×

Monthly cashflow live

• Estimated rent: $1,913 medium
• Mortgage (P&I): −$1,426
• Tax from tax record: −$228 /mo · $2,736/yr
• Insurance: −$113
• HOA: −$0
• Vacancy / Maint / Mgmt: −$402
• Net cashflow: $-257

Break-even live

Break-even rent $2,238

Max offer price $226,641

Occupancy floor —

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: $68,000
• Closing costs: $8,160
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1751 Freedom Dr Middleburg, FL	3.0	2.0	1216	$1,350	$1.11	4d	1	0.28mi

Listing history 24 events

1. 2026-05-19
   status Pending
2. 2026-04-14
   price $272,000
3. 2026-02-15
   price $284,900
4. 2025-12-02
   listed $295,000 Active
5. 2023-03-07
   soldstatus $250,000
6. 2023-03-02
   soldstatus $250,000 Sold 1237-char remark

   Show marketing remark (1237 chars)

   **SELLER OFFERING $5K TOWARDS BUYER CLOSING COSTS - OPEN HOUSE SAT 1/14 2-4PM** LET FREEDOM (from renting) RING! 1684 Freedom Dr is ready for a new owner to fill it. Bring your chickens, pigs, ducks, koi fish, dogs - you name it and there's a place for them on this 2.2 acre lot. This 4 bedroom split floor plan is perfect for entertaining & the spacious kitchen will inspire your inner Emeril. The home's front acre is cleared and fully fenced, with ample opportunities for the additional acre behind the home. In the backyard you'll find a peaceful man made koi pond surrounded by lush banana trees. Grow your own veggies in the garden area that is already set up for the next green thumb. Roof, HVAC and water heater have been replaced in the past 2 years - and the metal roof still has plenty of life left. No HOA to hassle you, but you still get the benefits of a welcoming community of neighbors that all work together to keep the area clean and maintained. Chores are much easier with no carpet anywhere - perfect for little ones and pets. Spend your mornings on the front porch sipping on coffee, and evenings grilling in the back while taking in your private oasis. Schedule your showing to see this adorable home today!

7. 2023-02-20
   status Pending 1237-char remark

   Show marketing remark (1237 chars)

   **SELLER OFFERING $5K TOWARDS BUYER CLOSING COSTS - OPEN HOUSE SAT 1/14 2-4PM** LET FREEDOM (from renting) RING! 1684 Freedom Dr is ready for a new owner to fill it. Bring your chickens, pigs, ducks, koi fish, dogs - you name it and there's a place for them on this 2.2 acre lot. This 4 bedroom split floor plan is perfect for entertaining & the spacious kitchen will inspire your inner Emeril. The home's front acre is cleared and fully fenced, with ample opportunities for the additional acre behind the home. In the backyard you'll find a peaceful man made koi pond surrounded by lush banana trees. Grow your own veggies in the garden area that is already set up for the next green thumb. Roof, HVAC and water heater have been replaced in the past 2 years - and the metal roof still has plenty of life left. No HOA to hassle you, but you still get the benefits of a welcoming community of neighbors that all work together to keep the area clean and maintained. Chores are much easier with no carpet anywhere - perfect for little ones and pets. Spend your mornings on the front porch sipping on coffee, and evenings grilling in the back while taking in your private oasis. Schedule your showing to see this adorable home today!

8. 2023-01-17
   historical Active - Contingent 1237-char remark

   Show marketing remark (1237 chars)

   **SELLER OFFERING $5K TOWARDS BUYER CLOSING COSTS - OPEN HOUSE SAT 1/14 2-4PM** LET FREEDOM (from renting) RING! 1684 Freedom Dr is ready for a new owner to fill it. Bring your chickens, pigs, ducks, koi fish, dogs - you name it and there's a place for them on this 2.2 acre lot. This 4 bedroom split floor plan is perfect for entertaining & the spacious kitchen will inspire your inner Emeril. The home's front acre is cleared and fully fenced, with ample opportunities for the additional acre behind the home. In the backyard you'll find a peaceful man made koi pond surrounded by lush banana trees. Grow your own veggies in the garden area that is already set up for the next green thumb. Roof, HVAC and water heater have been replaced in the past 2 years - and the metal roof still has plenty of life left. No HOA to hassle you, but you still get the benefits of a welcoming community of neighbors that all work together to keep the area clean and maintained. Chores are much easier with no carpet anywhere - perfect for little ones and pets. Spend your mornings on the front porch sipping on coffee, and evenings grilling in the back while taking in your private oasis. Schedule your showing to see this adorable home today!

9. 2023-01-05
   price $245,000 1237-char remark

   Show marketing remark (1237 chars)

   **SELLER OFFERING $5K TOWARDS BUYER CLOSING COSTS - OPEN HOUSE SAT 1/14 2-4PM** LET FREEDOM (from renting) RING! 1684 Freedom Dr is ready for a new owner to fill it. Bring your chickens, pigs, ducks, koi fish, dogs - you name it and there's a place for them on this 2.2 acre lot. This 4 bedroom split floor plan is perfect for entertaining & the spacious kitchen will inspire your inner Emeril. The home's front acre is cleared and fully fenced, with ample opportunities for the additional acre behind the home. In the backyard you'll find a peaceful man made koi pond surrounded by lush banana trees. Grow your own veggies in the garden area that is already set up for the next green thumb. Roof, HVAC and water heater have been replaced in the past 2 years - and the metal roof still has plenty of life left. No HOA to hassle you, but you still get the benefits of a welcoming community of neighbors that all work together to keep the area clean and maintained. Chores are much easier with no carpet anywhere - perfect for little ones and pets. Spend your mornings on the front porch sipping on coffee, and evenings grilling in the back while taking in your private oasis. Schedule your showing to see this adorable home today!

10. 2022-12-08
    price $250,000 1237-char remark

    Show marketing remark (1237 chars)

    **SELLER OFFERING $5K TOWARDS BUYER CLOSING COSTS - OPEN HOUSE SAT 1/14 2-4PM** LET FREEDOM (from renting) RING! 1684 Freedom Dr is ready for a new owner to fill it. Bring your chickens, pigs, ducks, koi fish, dogs - you name it and there's a place for them on this 2.2 acre lot. This 4 bedroom split floor plan is perfect for entertaining & the spacious kitchen will inspire your inner Emeril. The home's front acre is cleared and fully fenced, with ample opportunities for the additional acre behind the home. In the backyard you'll find a peaceful man made koi pond surrounded by lush banana trees. Grow your own veggies in the garden area that is already set up for the next green thumb. Roof, HVAC and water heater have been replaced in the past 2 years - and the metal roof still has plenty of life left. No HOA to hassle you, but you still get the benefits of a welcoming community of neighbors that all work together to keep the area clean and maintained. Chores are much easier with no carpet anywhere - perfect for little ones and pets. Spend your mornings on the front porch sipping on coffee, and evenings grilling in the back while taking in your private oasis. Schedule your showing to see this adorable home today!

11. 2022-12-02
    listed $260,000 Active 1237-char remark

    Show marketing remark (1237 chars)

    **SELLER OFFERING $5K TOWARDS BUYER CLOSING COSTS - OPEN HOUSE SAT 1/14 2-4PM** LET FREEDOM (from renting) RING! 1684 Freedom Dr is ready for a new owner to fill it. Bring your chickens, pigs, ducks, koi fish, dogs - you name it and there's a place for them on this 2.2 acre lot. This 4 bedroom split floor plan is perfect for entertaining & the spacious kitchen will inspire your inner Emeril. The home's front acre is cleared and fully fenced, with ample opportunities for the additional acre behind the home. In the backyard you'll find a peaceful man made koi pond surrounded by lush banana trees. Grow your own veggies in the garden area that is already set up for the next green thumb. Roof, HVAC and water heater have been replaced in the past 2 years - and the metal roof still has plenty of life left. No HOA to hassle you, but you still get the benefits of a welcoming community of neighbors that all work together to keep the area clean and maintained. Chores are much easier with no carpet anywhere - perfect for little ones and pets. Spend your mornings on the front porch sipping on coffee, and evenings grilling in the back while taking in your private oasis. Schedule your showing to see this adorable home today!

12. 2021-08-06
    soldstatus $199,500 Sold 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

13. 2021-06-30
    status Pending 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

14. 2021-06-29
    historical 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

15. 2021-06-28
    price $199,500 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

16. 2021-06-09
    status Active 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

17. 2021-06-03
    status Pending 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

18. 2021-05-27
    status Active 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

19. 2021-05-26
    status Pending 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

20. 2021-05-25
    status Active 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

21. 2021-05-21
    status Pending 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

22. 2021-05-06
    listed $212,000 Active 648-char remark

    Show marketing remark (648 chars)

    Are you looking for a little room to spread your wings? come take a look at this Beautiful 2.16 acre parcel with MOVE IN READY home! This home has been recently remodeled and has lots to offer! This wonderful home boast 4/ bedroom with split floor plan. All new Kitchen with custom Hickory style cabinets. All new stainless steel appliances and more! Family room complete with fireplace, large front porch to enjoy the country life. Large master suite with ensuite bathroom. Come take a look at this home, you wont be disappointed. New metal roof, New A/C, New skirting. This home has been moved** Only eligible for VA or Conventional finance

23. 1993-05-11
    soldstatus $18,900
24. 1993-02-10
    soldstatus $10,000

ⓘ 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: $2,736 · $228/mo
• Projected year-2 tax: $2,736 · $228/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 8/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 17 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,951
• − Mortgage interest: −$15,236
• − Property taxes: −$2,736
• − Insurance: −$1,360
• − Repairs & maintenance: −$1,836
• − Management: −$1,836
• − Depreciation: −$7,913
• Taxable loss: −$7,966
• Est. tax savings @ 24.0%: +$1,912
• After-tax cash flow: $-1,169/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: Clay
• NCES district ID: 1200300
• Math proficiency: 58% ▼ -8.00%
• Reading proficiency: 59% ▼ -3.00%
• Median HH income: $59,379
• Composite: 50.73/100
• National rank: #1815
• State rank: #14 of 73 in FL

Livability — Middleburg

• Score: 65/100
• State rank: #657
• US rank: #13174

Category grades

Amenities F Commute F Cost of living A+ Crime B- Employment C Housing A+ Health & safety F User ratings C+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Clay County · 208,450 people
• Metro: Jacksonville, FL
• Population (ZIP): 58,983
• Household income: $84,431
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 975.0

Population outlook (Clay County) Hauer SSP2

• Today (2025): 230,495 people
• By 2030: 242,427 · +5.2%
• By 2040: 262,244 · +13.8%
• By 2050: 275,148 · +19.4%
• By 2075: 295,397 · +28.2%
• By 2100: 287,592 · +24.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 13% Two or more races 10% Black 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 87% English-only · Spanish 9% Arabic 1% German/W. Germanic 1%

Political lean MEDSL · Clay

• 2024 margin: Solid R (+39.3) · D 29.9% · R 69.2%
• 2008→2024 swing: +3.6pp toward D · 2008: -42.8pp · 2024: -39.3pp
• All cycles: 2024: R+39.3 2020: R+37.1 2016: R+44.3 2012: R+45.8 2008: R+42.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -115.99%
• Current HPI: 305.2531
• Rent YoY: ▲ 3.35%
• 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

+2620.0% since first listed

24 events — show timeline

• 2026-05-19 Pending — realMLS
• 2026-04-14 Price Changed $272,000 realMLS
• 2026-02-15 Price Changed $284,900 realMLS
• 2025-12-02 Listed $295,000 realMLS
• 2023-03-07 Sold (Public Records) $250,000 Public Records
• 2023-03-02 Sold (MLS) $250,000 realMLS
• 2023-02-20 Pending — realMLS
• 2023-01-17 Contingent — realMLS
• 2023-01-05 Price Changed $245,000 realMLS
• 2022-12-08 Price Changed $250,000 realMLS
• 2022-12-02 Listed $260,000 realMLS
• 2021-08-06 Sold (MLS) $199,500 realMLS
• 2021-06-30 Pending — realMLS
• 2021-06-29 Listing Removed — realMLS
• 2021-06-28 Price Changed $199,500 realMLS
• 2021-06-09 Relisted — realMLS
• 2021-06-03 Pending — realMLS
• 2021-05-27 Relisted — realMLS
• 2021-05-26 Pending — realMLS
• 2021-05-25 Relisted — realMLS
• 2021-05-21 Pending — realMLS
• 2021-05-06 Listed $212,000 realMLS
• 1993-05-11 Sold (Public Records) $18,900 Public Records
• 1993-02-10 Sold (Public Records) $10,000 Public Records

Property tax history

+17.5%/yr

Latest (2025): $2,736 · -1.2% YoY. Source: county tax records.