13712 Coman Rd · Jacksonville, FL 32218

$195,000

2 bd · 2.0 ba · 924 sqft · Manufactured public records · 37 Days on market

Built 2020

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Why this score? — see what drove the D+ 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 +17.9/30.0
• ARV discount +7.5/15.0
• DSCR +5.6/10.0
• Livability +4.2/5.0
• 1% rule +4.0/10.0
• 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

Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

Key facts

• Built 2020
• Listed 36 days

Property features AI

Exterior

• Home design: Built in 2020
• Construction: Living area approximately 924
• Exterior features: Located in the Northside subdivision

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $195k.

Deal economics

• At list price, monthly cash flow is $164 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (9.9% below list).
• Recommended offer: $176k (9.9% below list) — sets the bar for 1% rule.
• Cap rate 7.3% 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 soft (-0.4%/yr); 728 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 30% 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 37 days — a 3% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y 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; 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 $175,785 (9.9% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
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. 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?
5. 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.
6. 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.
7. 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: 0.90% ✗
• Cap rate: 7.30%
• Cash-on-cash: 3.60%
• DSCR: 1.16
• GRM: 9.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -13.8%
• Equity multiple: 0.52×
• Total profit: $-26,366
• Equity at exit: $29,075

10-year hold

• IRR: -10.2%
• Equity multiple: 0.46×
• Total profit: $-29,633
• Equity at exit: $16,860

Cash invested: $54,600 (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 32218

• Home prices YoY: -25.7%
• Rents YoY: -0.4%
• Active inventory: 728
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,758 high
• Mortgage (P&I): −$1,023
• Tax from tax record: −$121 /mo · $1,453/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$369
• Net cashflow: $164

Break-even live

Break-even rent $1,551

Max offer price $195,000

Occupancy floor 86%

Sensitivity live

Price	-10% $274	-5% $219	+0% $164	+5% $109	+10% $53
Rent	-10% $25	-5% $94	+0% $164	+5% $233	+10% $303
Rate	-1.0pp $262	-0.5pp $213	base $164	+0.5pp $113	+1.0pp $62

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
225 Duval Station Rd Jacksonville, FL	1.0–2.0	1.0–2.0	1119	$1,700	$1.52	11d	1	0.28mi
14041 Hyatt Rd Jacksonville, FL	1.0–2.0	1.0–2.0	962	$2,009	$2.09	3d	49	0.51mi
13283 N Main St Jacksonville, FL	1.0–2.0	1.0–2.0	1041	$1,947	$1.87	2d	24	0.56mi
14355 N Main St Jacksonville, FL	1.0–3.0	1.0–2.0	1068	$2,038	$1.91	2d	43	0.77mi
13007 Atomic St #1 Jacksonville, FL	1.0	1.0	1044	$1,195	$1.14	24d	1	0.93mi
13100 Broxton Bay Dr Jacksonville, FL	1.0–2.0	1.0–2.0	1093	$1,696	$1.55	2d	45	1.00mi
14105 Epply Dr Jacksonville, FL	1.0–3.0	1.0–2.0	1242	$1,794	$1.44	3d	42	1.21mi
12900 Broxton Bay Dr Jacksonville, FL	1.0–3.0	1.0–2.0	1103	$1,500	$1.36	3d	34	1.34mi

Listing history 27 events

1. 2026-06-18
   days on market $195,000 Active 37 DOM
2. 2026-06-17
   days on market $195,000 Active 36 DOM
3. 2026-06-16
   days on market $195,000 Active 35 DOM
4. 2026-06-15
   days on market $195,000 Active 34 DOM
5. 2026-06-10
   days on market $195,000 Active 28 DOM
6. 2026-06-08
   days on market $195,000 Active 27 DOM
7. 2026-06-08
   days on market $195,000 Active 26 DOM
8. 2026-06-03
   days on market $195,000 Active 22 DOM
9. 2026-06-02
   days on market $195,000 Active 21 DOM
10. 2026-06-01
    days on market $195,000 Active 20 DOM
11. 2026-05-31
    days on market $195,000 Active 19 DOM
12. 2026-05-12
    listed $195,000 Active
13. 2026-03-15
    historical
14. 2026-02-01
    price $199,999
15. 2026-01-26
    price $205,000
16. 2026-01-16
    listed $220,000 Active
17. 2023-12-05
    soldstatus $185,000 Closed 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

18. 2023-11-02
    status Pending 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

19. 2023-11-01
    status Active 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

20. 2023-10-31
    status Pending 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

21. 2023-10-27
    status Active 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

22. 2023-10-27
    price $179,900 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

23. 2023-10-03
    status Pending 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

24. 2023-09-28
    listed $159,900 Active 282-char remark

    Show marketing remark (282 chars)

    Back on the market!! This charming 3 bedroom 2 bathroom home is move in ready! Too many upgrades to list. Recently renovated kitchen with brand new stainless steel appliances. New floors, newer roof and fenced backyard. Stunning bathrooms with new vanities, sinks and tiled showers.

25. 2023-06-29
    soldstatus $48,000
26. 1997-04-28
    soldstatus $14,600
27. 1994-12-30
    soldstatus $17,000

ⓘ 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: $1,453 · $121/mo
• Projected year-2 tax: $1,618 · $135/mo
• Expected delta: +$166/yr (+$14/mo · 11.4%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 Extreme 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 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,094
• − Mortgage interest: −$10,923
• − Property taxes: −$1,453
• − Insurance: −$975
• − Repairs & maintenance: −$1,688
• − Management: −$1,688
• − Depreciation: −$5,673
• Taxable loss: −$1,304
• Est. tax savings @ 24.0%: +$313
• After-tax cash flow: $2,279/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

+1047.1% since first listed

16 events — show timeline

• 2026-05-12 Listed $195,000 FSBO.com
• 2026-03-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-02-01 Price Changed $199,999 Stellar MLS as Distributed by MLS Grid
• 2026-01-26 Price Changed $205,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Listed $220,000 Stellar MLS as Distributed by MLS Grid
• 2023-12-05 Sold (MLS) $185,000 realMLS
• 2023-11-02 Pending — realMLS
• 2023-11-01 Relisted — realMLS
• 2023-10-31 Pending — realMLS
• 2023-10-27 Relisted — realMLS
• 2023-10-27 Price Changed $179,900 realMLS
• 2023-10-03 Pending — realMLS
• 2023-09-28 Listed $159,900 realMLS
• 2023-06-29 Sold (Public Records) $48,000 Public Records
• 1997-04-28 Sold (Public Records) $14,600 Public Records
• 1994-12-30 Sold (Public Records) $17,000 Public Records

Property tax history

+16.4%/yr

Latest (2025): $1,453 · +18.6% YoY. Source: county tax records.