None · Jacksonville, FL 32222

$238,990

3 bd · 2.5 ba · 1,395 sqft · Townhouse · 124 Days on market

Built 2026 Excellent condition 1,890 sqft lot $120/mo HOA · 6% of rent

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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 +17.1/30.0
• ARV discount +7.5/15.0
• 1% rule +5.4/10.0
• DSCR +5.3/10.0
• Condition / age +5.0/5.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

The Julington is a spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. *Sample photos represent the floor plan, and are not of the actual home.

Key facts

• $120 HOA
• Garage
• Built 2026

Property features AI

Finance

• Other: Home warranty provided; Zoned PUD; Lot roughly 20x90 (about 0.05 acres); Permit number 2026-16; Builder license CRC
• HOA & community: HOA managed by Priority Community Management; Monthly HOA fee $120 (includes none); Association enforces fence restrictions; Community features: community mailbox, deed restrictions, sidewalks, street lights; Pets allowed

Exterior

• Parking: Attached garage (1 car, approximately 10x20) with driveway
• Utilities: Public water; Public sewer; Electricity connected; Underground utilities; Cable available; Water connected
• Home design: Attached townhouse; Two levels; Under construction (projected completion May 31, 2026); North-facing
• Construction: Cement siding, frame, and wood siding construction; Shingle roof; Concrete perimeter foundation; New construction; Built by Dream Finders Homes (Julington model)
• Exterior features: Sidewalk; Cleared lot; Asphalt road; Publicly maintained road

Interior

• Kitchen: Dishwasher; Disposal; Range; Exhaust fan
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full baths, 1 half bath
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Open floorplan
• Laundry & utility: Laundry closet

🏗️ New construction. The $238,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $210,645.

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $239k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $147 ($2k/yr) — positive.
• To cash-flow at today's rent, offer at most $232k (3.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $218k (8.8% below list).
• Recommended offer: $210k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.1% 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.
• Zoned schools: Thomas Jefferson Elementary (math 60% / reading 55%, grade C+, #764 of 2,144 statewide, top 36%, 446 students, 57% FRL); Jean Ribault Middle School (math 28% / reading 24%, grade F, #506 of 571 statewide, top 89%, 679 students, 78% FRL); Edward H. White High School (math 31% / reading 25%, grade F, #464 of 667 statewide, top 70%, 1,538 students, 64% FRL) — zoned schools average 66% FRL vs 49% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.6%/yr); 136 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 31% of the median local income ($86k/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 124 days — a 12% lower offer ($210k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts 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; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $210,311 (12.0% below list)

Questions for the listing agent

1. It's been on market 124 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 1.04% ✓
• Cap rate: 7.13%
• Cash-on-cash: 2.99%
• DSCR: 1.13
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $210,645
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9146 Tender Ln	0.08mi	2/2.5 (-1)	1,395 (0%)	1mo	$210,490	$151	90
9173 Tender Ln	0.09mi	2/2.5 (-1)	1,395 (0%)	2mo	$209,990	$151	89

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 · 2.62% rent growth · sell at horizon

5-year hold

• IRR: -12.0%
• Equity multiple: 0.57×
• Total profit: $-25,504
• Equity at exit: $31,408

10-year hold

• IRR: -3.4%
• Equity multiple: 0.78×
• Total profit: $-13,114
• Equity at exit: $18,213

Cash invested: $58,981 (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 32222

• Home prices YoY: -20.0%
• Rents YoY: 2.6%
• Active inventory: 136
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $2,180 medium
• Mortgage (P&I): −$1,105
• Tax est. 1.5%: −$263 /mo · $3,160/yr
• Insurance: −$88
• HOA: −$120
• Vacancy / Maint / Mgmt: −$458
• Net cashflow: $147

Break-even live

Break-even rent $1,995

Max offer price $210,645

Occupancy floor 88%

Sensitivity live

Price	-10% $292	-5% $220	+0% $147	+5% $74	+10% $1
Rent	-10% $-25	-5% $61	+0% $147	+5% $233	+10% $319
Rate	-1.0pp $253	-0.5pp $200	base $147	+0.5pp $92	+1.0pp $37

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: $52,661
• Closing costs: $6,319
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9113 Red Bird Ln Jacksonville, FL	3.0–5.0	2.0–3.0	2106	$2,468	$1.17	3d	2	0.17mi
4001 Haymon Ave Jacksonville, FL	3.0	2.5	1502	$2,400	$1.60	19d	1	0.18mi
3980 Bay Hawk Ct Jacksonville, FL	3.0	2.5	1492	$1,695	$1.14	13d	1	0.20mi
9008 Gifford Dr Jacksonville, FL	2.0	2.5	1202	$1,650	$1.37	25d	1	0.29mi

HOA detail

• Monthly dues: $120 · $1,440/yr

Listing history 23 events

1. 2026-06-21
   days on market $238,990 Active 124 DOM
2. 2026-06-18
   days on market $238,990 Active 121 DOM
3. 2026-06-17
   days on market $238,990 Active 120 DOM
4. 2026-06-16
   days on market $238,990 Active 119 DOM
5. 2026-06-15
   days on market $238,990 Active 118 DOM
6. 2026-06-10
   days on market $238,990 Active 112 DOM
7. 2026-06-08
   pricedays on market $238,990 Active 111 DOM
8. 2026-06-07
   days on market $237,490 Active 110 DOM
9. 2026-06-03
   days on market $237,490 Active 106 DOM
10. 2026-06-02
    days on market $237,490 Active 105 DOM
11. 2026-06-01
    days on market $237,490 Active 104 DOM
12. 2026-05-31
    days on market $237,490 Active 103 DOM
13. 2026-04-15
    price $237,990 640-char remark

    Show marketing remark (640 chars)

    The Julington is a spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. *Sample photos represent the floor plan, and are not of the actual home.

14. 2026-04-14
    price $237,990 619-char remark

    Show marketing remark (619 chars)

    This spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. * Sample photos represent the floor plan, and are not of the actual home.

15. 2026-03-24
    price $237,490 619-char remark

    Show marketing remark (619 chars)

    This spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. * Sample photos represent the floor plan, and are not of the actual home.

16. 2026-03-20
    price $237,490 640-char remark

    Show marketing remark (640 chars)

    The Julington is a spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. *Sample photos represent the floor plan, and are not of the actual home.

17. 2026-03-20
    price $237,490

    Show marketing remark (640 chars)

    The Julington is a spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. *Sample photos represent the floor plan, and are not of the actual home.

18. 2026-02-23
    status Active 619-char remark

    Show marketing remark (619 chars)

    This spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. * Sample photos represent the floor plan, and are not of the actual home.

19. 2026-02-23
    historical 619-char remark

    Show marketing remark (619 chars)

    This spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. * Sample photos represent the floor plan, and are not of the actual home.

20. 2026-02-17
    listed $236,990 Active
21. 2026-02-04
    price $236,990 619-char remark

    Show marketing remark (619 chars)

    This spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. * Sample photos represent the floor plan, and are not of the actual home.

22. 2026-02-03
    listed $237,792 Active 619-char remark

    Show marketing remark (619 chars)

    This spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. * Sample photos represent the floor plan, and are not of the actual home.

23. 2026-01-29
    listed $236,990 Active 640-char remark

    Show marketing remark (640 chars)

    The Julington is a spacious two-story exterior unit townhome offers the perfect blend of comfort and convenience. Featuring a 1-car garage, 3 bedrooms, and 2.5 baths, this thoughtfully designed home has all bedrooms located upstairs for added privacy. The primary suite includes a well-appointed bath with dual sinks for added functionality. Downstairs, enjoy an open-concept layout with a welcoming great room and a kitchen that includes a pantry for ample storage. This townhome is ideal for modern living with a smart layout that maximizes space and style. *Sample photos represent the floor plan, and are not of the actual 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,166
• − Mortgage interest: −$11,799
• − Property taxes: −$3,160
• − Insurance: −$1,053
• − Repairs & maintenance: −$2,093
• − Management: −$2,093
• − HOA: −$1,440
• − Depreciation: −$6,128
• Taxable loss: −$1,601
• Est. tax savings @ 24.0%: +$384
• After-tax cash flow: $2,146/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.

Condition & rehab AI · 13 photos

Excellent 100/100 None rehab

This townhouse is in excellent condition with no visible repairs or maintenance needed. It offers a spacious layout and is move-in ready.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and value
• Both Landscaping the front yard — Improves curb appeal and rental value
• Resale Upgrading the kitchen appliances — Modernizes the kitchen and adds value
• Resale Upgrading the flooring in the bathrooms — Enhances the overall aesthetic and adds value

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior — Enhances curb appeal and value ↑
• Both Landscaping the front yard — Improves curb appeal and rental value ↑
• Resale Upgrading the kitchen appliances — Modernizes the kitchen and adds value ↑
• Resale Upgrading the flooring in the bathrooms — Enhances the overall aesthetic and adds value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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): 18,258
• Household income: $85,649
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 666.0

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: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 39% Black 34% Hispanic / Latino 16% Two or more races 8% Asian 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 6% Cuban 2% Dominican 1%
• Common ancestry: Italian 2% Iranian 1% Romanian 1%
• Foreign-born: 13% · Canada, Vietnam
• Languages at home: 83% English-only · Spanish 12% Tagalog/Filipino 3% Other Asian/Pacific 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: ▼ -64.56%
• Current HPI: 257.6466
• Rent YoY: ▲ 2.62%
• 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

+0.4% since first listed

11 events — show timeline

• 2026-04-15 Price Changed $237,990 realMLS
• 2026-04-14 Price Changed $237,990 Zillow
• 2026-03-24 Price Changed $237,490 Zillow
• 2026-03-20 Price Changed $237,490 realMLS
• 2026-03-20 Price Changed $237,490 Stellar MLS as Distributed by MLS Grid
• 2026-02-23 Relisted — Zillow
• 2026-02-23 Delisted — Zillow
• 2026-02-17 Listed $236,990 Stellar MLS as Distributed by MLS Grid
• 2026-02-04 Price Changed $236,990 Zillow
• 2026-02-03 Listed $237,792 Zillow
• 2026-01-29 Listed $236,990 realMLS