CashFlowRE
Sign in Sign up
591 Julia St
C Composite 55.36
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 +17.8/30.0
  • ARV discount +13.8/15.0
  • Schools +6.4/10.0
  • DSCR +5.6/10.0
  • 1% rule +4.2/10.0
  • Rent growth +2.6/5.0
  • Livability +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$239,000

591 Julia St · St. Augustine, FL 32084
3 bd · 1.0 ba · 916 sqft · SingleFamily public records · 79 Days on market
Built 1989 $261/sqft · 14% below area Est $278k · 14% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Beautifully updated, fully renovated, and ideally located, 591 Julia Street in St. Augustine offers the perfect blend of modern upgrades and historic city appeal. This 3-bedroom, 1-bath home is move-in ready and full of character-making it an excellent primary residence, second home, or income-producing short-term rental. Step inside to a bright and inviting interior featuring newer flooring throughout, fresh paint, and stylish updated fixtures. The renovated kitchen shines with stainless steel appliances, offering both functionality and a sleek, modern feel-perfect for entertaining guests or everyday living. The updated bathroom adds a fresh, clean touch, while each bedroom provides a comfortable retreat. With its turnkey condition and low-maintenance upgrades, this property is perfectly suited for Airbnb or vacation rental use. Located just minutes from historic downtown St. Augustine-the oldest city in the U.S. - you'll enjoy easy access to iconic attractions like St. George Street, the Castillo de San Marcos, local museums, scenic trolley tours, boutique shopping, and top-rated dining. Experience the magic of the world-renowned Nights of Lights, attracting visitors from around the globe each year. Whether you're looking to invest or enjoy the vibrant coastal lifestyle, this home delivers location, flexibility, and charm all in one. Schedule your private showing today!

Key facts

  • Updated kitchen
  • Updated bathroom
  • Turnkey condition

Tags

UPDATED KITCHENSTAINLESS STEEL APPLIANCESUPDATED BATHROOMTURNKEY CONDITIONLOW MAINTENANCE UPGRADESEASY ACCESS TO ATTRACTIONS

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $239k.

Deal economics

  • At list price, monthly cash flow is $199 ($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 $219k (8.3% below list).
  • Recommended offer: $219k (8.3% below list) — sets the bar for 1% rule.
  • Cap rate 7.3% vs local median 3.1% in St. Augustine — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
  • St. Johns (rural): math 75% / reading 73% proficiency, ranked #2 of 73 in FL (top 3%) — strong family-tenant draw, lease renewals of 3-5y typical; only 20% free/reduced lunch — higher-income household profile.
  • Zoned schools: Crookshank Elementary School (math 64% / reading 62%, grade B, #582 of 2,144 statewide, top 28%, 704 students, 64% FRL); Sebastian Middle School (math 59% / reading 59%, grade B, #144 of 571 statewide, top 26%, 654 students, 42% FRL); St. Augustine High School (math 54% / reading 62%, grade C, #120 of 667 statewide, top 18%, 1,784 students, 38% FRL) — zoned schools average 48% FRL vs 20% district-wide (28 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 60% at this address vs 74% district-wide (-14 pts) — the specific schools serving this property underperform the St. Johns average; the district grade overstates school quality for this exact location.
  • Market conditions: Rents flat; 636 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 5,575 units permitted in St. Johns County in 2024 (584 in 5+ unit buildings).
  • This rent runs 36% of the median local income ($74k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • St. Johns County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 79 days — a 6% lower offer ($225k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 5y 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 $176k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $219,062 (8.3% below list)

Questions for the listing agent

  1. It's been on market 79 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
  2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  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
0.92%
Cap rate
7.29%
Cash-on-cash
3.57%
DSCR
1.16
GRM
9.1

CMA / ARV

ARV (median comp)
$277,639
List price
$239,000
Delta
-13.92%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
591 Julia St 0.00mi 3/1.0 916 (0%) 0mo $234,000 $255 100
867 Aiken St 0.50mi 2/1.0 (-1) 906 (-1%) 4mo $102,322 $113 66
430 S Rodriquez St 0.55mi 2/1.0 (-1) 912 (-0%) 3mo $315,000 $345 66
928 Helen St 0.58mi 3/1.0 916 (0%) 12mo $232,500 $254 62
635 Josiah St 0.25mi 3/2.0 1,008 (+10%) 11mo $287,000 $285 59
100 Julia St 0.32mi 2/1.0 (-1) 788 (-14%) 2mo $100,000 $127 55
537 John St 0.62mi 2/1.0 (-1) 900 (-2%) 12mo $303,800 $338 53
227 N Whitney St 0.53mi 3/2.0 1,012 (+10%) 3mo $280,000 $277 51
15 Davis St 0.71mi 2/1.5 (-1) 880 (-4%) 4mo $360,000 $409 50
231 N Whitney St 0.58mi 3/1.0 1,012 (+10%) 7mo $169,000 $167 50
5 Nesbit Ave 0.54mi 3/2.0 1,008 (+10%) 8mo $338,000 $335 47
520 N Orange St 0.73mi 2/1.0 (-1) 1,045 (+14%) 5mo $138,000 $132 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 · 0.25% rent growth · sell at horizon

5-year hold
IRR
-13.7%
Equity multiple
0.52×
Total profit
$-32,000
Equity at exit
$35,636
10-year hold
IRR
-9.5%
Equity multiple
0.48×
Total profit
$-34,630
Equity at exit
$20,664

Cash invested: $66,920 (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.

ZIP-level market 32084

Rents YoY
0.2%
Active inventory
636
Price-to-rent
9.1×

Monthly cashflow live

Estimated rent
$2,191 high interval (Pro) →
Mortgage (P&I)
$1,253
Tax from tax record
$179 /mo · $2,145/yr
Insurance
$100
HOA
$0
Vacancy / Maint / Mgmt
$460
Net cashflow
$199

Break-even live

Break-even rent $1,939
Max offer price $239,000
Occupancy floor 86%

Sensitivity live

Price -10% $334 -5% $267 +0% $199 +5% $131 +10% $64
Rent -10% $26 -5% $112 +0% $199 +5% $285 +10% $372
Rate -1.0pp $319 -0.5pp $260 base $199 +0.5pp $137 +1.0pp $74

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
$59,750
Closing costs
$7,170
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 22 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
736 W King St Unit A St. Augustine, FL 2.0 1.0 688 $1,750 $2.54 19d 1 0.37mi
56 Masters Dr Unit D St. Augustine, FL 2.0 1.5 900 $1,300 $1.44 25d 1 0.39mi
60 Masters Dr Unit C St. Augustine, FL 2.0 1.5 900 $1,300 $1.44 25d 1 0.40mi
20 Rollins Ave Saint Augustine, FL 3.0 1.0 828 $1,500 $1.81 25d 1 0.56mi
289 W Jayce Way Saint Augustine, FL 3.0 2.0 1102 $1,851 $1.68 15d 1 0.62mi
177 Palmer St Unit B St. Augustine, FL 2.0 1.0 900 $1,350 $1.50 25d 1 0.72mi
228 Nesmith Ave Saint Augustine, FL 2.0 2.0 1080 $2,500 $2.31 16d 1 0.74mi
1000 Josiah St Unit 1281953P St. Augustine, FL 3.0 2.0 1097 $3,526 $3.21 14d 1 0.77mi
1004 Josiah St Unit 1281918P St. Augustine, FL 3.0 2.0 1097 $3,893 $3.55 15d 1 0.77mi
1040 W 7th St Saint Augustine, FL 2.0 2.0 1108 $2,195 $1.98 3d 1 0.94mi
950 Sidney St Unit 12 St. Augustine, FL 2.0 1.0 900 $1,300 $1.44 25d 1 0.99mi
138 Oviedo St Unit A St. Augustine, FL 2.0 1.0 995 $1,695 $1.70 5d 1 1.05mi
36 Weeden St Unit 1281973P St. Augustine, FL 2.0 1.5 957 $3,854 $4.03 9d 1 1.22mi
909 S Ponce de Leon Blvd Saint Augustine, FL 2.0 2.0 1120 $3,150 $2.81 5d 1 1.24mi
15 Old Mission Ave Unit 1281979P St. Augustine, FL 2.0 2.0 1097 $3,563 $3.25 9d 1 1.25mi
14 Sanchez Ave Apt A St. Augustine, FL 2.0 1.0 915 $2,000 $2.19 25d 1 1.28mi
6 Rohde Ave Unit 1281954P St. Augustine, FL 1.0–2.0 1.0 613 $2,538 $4.14 5d 2 1.30mi
1419 San Juline Cir Saint Augustine, FL 2.0 1.5 804 $1,649 $2.05 15d 1 1.31mi
116 San Marco Ave Unit 1281934P St. Augustine, FL 1.0–2.0 1.0 920 $4,325 $4.70 9d 2 1.31mi
62 Dumas St Saint Augustine, FL 3.0 2.0 1022 $2,500 $2.45 25d 1 1.40mi
123 Moore St Unit 1281961P St. Augustine, FL 2.0 2.0 904 $3,119 $3.45 4d 1 1.42mi
90 De Haven St Unit 1281966P St. Augustine, FL 2.0 1.5 796 $5,474 $6.88 4d 1 1.49mi

Listing history 32 events

  1. 2026-06-13
    statusdays on market $239,000 Pending 79 DOM
  2. 2026-06-10
    days on market $239,000 Active Under Contract 77 DOM
  3. 2026-06-08
    days on market $239,000 Active Under Contract 76 DOM
  4. 2026-06-07
    days on market $239,000 Active Under Contract 75 DOM
  5. 2026-06-03
    days on market $239,000 Active Under Contract 71 DOM
  6. 2026-06-02
    days on market $239,000 Active Under Contract 70 DOM
  7. 2026-06-01
    days on market $239,000 Active Under Contract 69 DOM
  8. 2026-05-31
    days on market $239,000 Active Under Contract 68 DOM
  9. 2026-05-19
    historical Active Under Contract 1402-char remark
    Show marketing remark (1402 chars)

    Beautifully updated, fully renovated, and ideally located, 591 Julia Street in St. Augustine offers the perfect blend of modern upgrades and historic city appeal. This 3-bedroom, 1-bath home is move-in ready and full of character-making it an excellent primary residence, second home, or income-producing short-term rental. Step inside to a bright and inviting interior featuring newer flooring throughout, fresh paint, and stylish updated fixtures. The renovated kitchen shines with stainless steel appliances, offering both functionality and a sleek, modern feel-perfect for entertaining guests or everyday living. The updated bathroom adds a fresh, clean touch, while each bedroom provides a comfortable retreat. With its turnkey condition and low-maintenance upgrades, this property is perfectly suited for Airbnb or vacation rental use. Located just minutes from historic downtown St. Augustine-the oldest city in the U.S. - you'll enjoy easy access to iconic attractions like St. George Street, the Castillo de San Marcos, local museums, scenic trolley tours, boutique shopping, and top-rated dining. Experience the magic of the world-renowned Nights of Lights, attracting visitors from around the globe each year. Whether you're looking to invest or enjoy the vibrant coastal lifestyle, this home delivers location, flexibility, and charm all in one. Schedule your private showing today!

  10. 2026-05-13
    price $239,000 1402-char remark
    Show marketing remark (1402 chars)

    Beautifully updated, fully renovated, and ideally located, 591 Julia Street in St. Augustine offers the perfect blend of modern upgrades and historic city appeal. This 3-bedroom, 1-bath home is move-in ready and full of character-making it an excellent primary residence, second home, or income-producing short-term rental. Step inside to a bright and inviting interior featuring newer flooring throughout, fresh paint, and stylish updated fixtures. The renovated kitchen shines with stainless steel appliances, offering both functionality and a sleek, modern feel-perfect for entertaining guests or everyday living. The updated bathroom adds a fresh, clean touch, while each bedroom provides a comfortable retreat. With its turnkey condition and low-maintenance upgrades, this property is perfectly suited for Airbnb or vacation rental use. Located just minutes from historic downtown St. Augustine-the oldest city in the U.S. - you'll enjoy easy access to iconic attractions like St. George Street, the Castillo de San Marcos, local museums, scenic trolley tours, boutique shopping, and top-rated dining. Experience the magic of the world-renowned Nights of Lights, attracting visitors from around the globe each year. Whether you're looking to invest or enjoy the vibrant coastal lifestyle, this home delivers location, flexibility, and charm all in one. Schedule your private showing today!

  11. 2026-05-06
    price $241,000 1402-char remark
    Show marketing remark (1402 chars)

    Beautifully updated, fully renovated, and ideally located, 591 Julia Street in St. Augustine offers the perfect blend of modern upgrades and historic city appeal. This 3-bedroom, 1-bath home is move-in ready and full of character-making it an excellent primary residence, second home, or income-producing short-term rental. Step inside to a bright and inviting interior featuring newer flooring throughout, fresh paint, and stylish updated fixtures. The renovated kitchen shines with stainless steel appliances, offering both functionality and a sleek, modern feel-perfect for entertaining guests or everyday living. The updated bathroom adds a fresh, clean touch, while each bedroom provides a comfortable retreat. With its turnkey condition and low-maintenance upgrades, this property is perfectly suited for Airbnb or vacation rental use. Located just minutes from historic downtown St. Augustine-the oldest city in the U.S. - you'll enjoy easy access to iconic attractions like St. George Street, the Castillo de San Marcos, local museums, scenic trolley tours, boutique shopping, and top-rated dining. Experience the magic of the world-renowned Nights of Lights, attracting visitors from around the globe each year. Whether you're looking to invest or enjoy the vibrant coastal lifestyle, this home delivers location, flexibility, and charm all in one. Schedule your private showing today!

  12. 2026-05-01
    price $246,000 1402-char remark
    Show marketing remark (1402 chars)

    Beautifully updated, fully renovated, and ideally located, 591 Julia Street in St. Augustine offers the perfect blend of modern upgrades and historic city appeal. This 3-bedroom, 1-bath home is move-in ready and full of character-making it an excellent primary residence, second home, or income-producing short-term rental. Step inside to a bright and inviting interior featuring newer flooring throughout, fresh paint, and stylish updated fixtures. The renovated kitchen shines with stainless steel appliances, offering both functionality and a sleek, modern feel-perfect for entertaining guests or everyday living. The updated bathroom adds a fresh, clean touch, while each bedroom provides a comfortable retreat. With its turnkey condition and low-maintenance upgrades, this property is perfectly suited for Airbnb or vacation rental use. Located just minutes from historic downtown St. Augustine-the oldest city in the U.S. - you'll enjoy easy access to iconic attractions like St. George Street, the Castillo de San Marcos, local museums, scenic trolley tours, boutique shopping, and top-rated dining. Experience the magic of the world-renowned Nights of Lights, attracting visitors from around the globe each year. Whether you're looking to invest or enjoy the vibrant coastal lifestyle, this home delivers location, flexibility, and charm all in one. Schedule your private showing today!

  13. 2026-03-24
    listed $249,900 Active 1402-char remark
    Show marketing remark (1402 chars)

    Beautifully updated, fully renovated, and ideally located, 591 Julia Street in St. Augustine offers the perfect blend of modern upgrades and historic city appeal. This 3-bedroom, 1-bath home is move-in ready and full of character-making it an excellent primary residence, second home, or income-producing short-term rental. Step inside to a bright and inviting interior featuring newer flooring throughout, fresh paint, and stylish updated fixtures. The renovated kitchen shines with stainless steel appliances, offering both functionality and a sleek, modern feel-perfect for entertaining guests or everyday living. The updated bathroom adds a fresh, clean touch, while each bedroom provides a comfortable retreat. With its turnkey condition and low-maintenance upgrades, this property is perfectly suited for Airbnb or vacation rental use. Located just minutes from historic downtown St. Augustine-the oldest city in the U.S. - you'll enjoy easy access to iconic attractions like St. George Street, the Castillo de San Marcos, local museums, scenic trolley tours, boutique shopping, and top-rated dining. Experience the magic of the world-renowned Nights of Lights, attracting visitors from around the globe each year. Whether you're looking to invest or enjoy the vibrant coastal lifestyle, this home delivers location, flexibility, and charm all in one. Schedule your private showing today!

  14. 2026-01-31
    historical 835-char remark
    Show marketing remark (835 chars)

    Welcome to your peaceful escape! This beautifully maintained home offers the perfect blend of comfort and character. Nestled on a shaded lot, you'll enjoy the cool serenity of mature trees while still benefiting from abundant natural light that fills every room. Step inside to a bright and airy layout that feels larger than its size, ideal for first-time buyers, downsizers, or those looking for a cozy retreat. The thoughtfully designed kitchen and living spaces open up to your own ready-made garden—a private outdoor haven perfect for relaxing, entertaining, or growing your own veggies and herbs. Enjoy the best of indoor-outdoor living in a home that invites you to slow down and breathe. Whether you're sipping coffee on the porch or harvesting fresh produce steps from your door, this home is ready to welcome you.

  15. 2025-11-20
    price $270,000 835-char remark
    Show marketing remark (835 chars)

    Welcome to your peaceful escape! This beautifully maintained home offers the perfect blend of comfort and character. Nestled on a shaded lot, you'll enjoy the cool serenity of mature trees while still benefiting from abundant natural light that fills every room. Step inside to a bright and airy layout that feels larger than its size, ideal for first-time buyers, downsizers, or those looking for a cozy retreat. The thoughtfully designed kitchen and living spaces open up to your own ready-made garden—a private outdoor haven perfect for relaxing, entertaining, or growing your own veggies and herbs. Enjoy the best of indoor-outdoor living in a home that invites you to slow down and breathe. Whether you're sipping coffee on the porch or harvesting fresh produce steps from your door, this home is ready to welcome you.

  16. 2025-10-13
    listed $275,000 Active 835-char remark
    Show marketing remark (835 chars)

    Welcome to your peaceful escape! This beautifully maintained home offers the perfect blend of comfort and character. Nestled on a shaded lot, you'll enjoy the cool serenity of mature trees while still benefiting from abundant natural light that fills every room. Step inside to a bright and airy layout that feels larger than its size, ideal for first-time buyers, downsizers, or those looking for a cozy retreat. The thoughtfully designed kitchen and living spaces open up to your own ready-made garden—a private outdoor haven perfect for relaxing, entertaining, or growing your own veggies and herbs. Enjoy the best of indoor-outdoor living in a home that invites you to slow down and breathe. Whether you're sipping coffee on the porch or harvesting fresh produce steps from your door, this home is ready to welcome you.

  17. 2021-06-02
    soldstatus $176,000
  18. 2021-05-27
    soldstatus $176,000 Sold
  19. 2021-05-14
    status Pending
  20. 2021-04-16
    historical Active - Contingent
  21. 2021-04-15
    status Active
  22. 2021-04-08
    historical Active - Contingent
  23. 2021-04-02
    status Active
  24. 2021-03-29
    status Pending
  25. 2021-03-22
    historical Active - Contingent
  26. 2021-03-18
    price $169,900
  27. 2021-03-09
    price $175,000
  28. 2021-03-05
    status Active
  29. 2021-03-04
    historical Active - Contingent
  30. 2021-02-26
    listed $178,500 Active
  31. 2020-10-15
    soldstatus $1,800,000
  32. 1995-01-23
    soldstatus $13,500

ⓘ 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
$2,145 · $179/mo
Projected year-2 tax
$2,145 · $179/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 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$26,287
− Mortgage interest
−$13,388
− Property taxes
−$2,145
− Insurance
−$1,195
− Repairs & maintenance
−$2,103
− Management
−$2,103
− Depreciation
−$6,953
Taxable loss
−$1,599
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$384
After-tax cash flow
$2,771/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
St. Johns
NCES district ID
1201740
Math proficiency
75% ▼ -5.00%
Reading proficiency
73% ▼ -2.00%
Median HH income
$66,842
Composite
64.31/100
National rank
#556
State rank
#2 of 73 in FL

Livability — St. Augustine

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

County
Saint Johns County · 301,599 people
Metro
Jacksonville, FL
Population (ZIP)
37,291
Household income
$73,837
Rent vs Own
33.2% rent · 66.8% own
Severe rent burden
1748.0

Population outlook (St. Johns County) Hauer SSP2

Today (2025)
303,941 people
By 2030
342,590 · +12.7%
By 2040
417,328 · +37.3%
By 2050
487,011 · +60.2%
By 2075
635,395 · +109.1%
By 2100
717,469 · +136.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (73%)
Race & ethnicity
White 73% Hispanic / Latino 12% Black 11% Two or more races 8%
Hispanic origin (detail)
Mexican 2% Puerto Rican 4% Cuban 1%
Common ancestry
Lithuanian 3% Romanian 2% Slovak 2%
Foreign-born
6% · Canada, Jamaica
Languages at home
91% English-only · Spanish 6% Other Indo-European 1%

Political lean MEDSL · St. Johns

2024 margin
Solid R (+31.4) · D 33.9% · R 65.2%
2008→2024 swing
+0.2pp no change · 2008: -31.6pp · 2024: -31.4pp
All cycles
2024: R+31.4 2020: R+26.7 2016: R+33.4 2012: R+37.8 2008: R+31.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -287.02%
Current HPI
330.9505
Rent YoY
▲ 0.25%
Metro
Jacksonville, FL
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+1670.4% since first listed
24 events — show timeline
  • 2026-05-19 Contingent realMLS
  • 2026-05-13 Price Changed $239,000 realMLS
  • 2026-05-06 Price Changed $241,000 realMLS
  • 2026-05-01 Price Changed $246,000 realMLS
  • 2026-03-24 Listed $249,900 realMLS
  • 2026-01-31 Listing Removed realMLS
  • 2025-11-20 Price Changed $270,000 realMLS
  • 2025-10-13 Listed $275,000 realMLS
  • 2021-06-02 Sold (Public Records) $176,000 Public Records
  • 2021-05-27 Sold (MLS) $176,000 realMLS
  • 2021-05-14 Pending realMLS
  • 2021-04-16 Contingent realMLS
  • 2021-04-15 Relisted realMLS
  • 2021-04-08 Contingent realMLS
  • 2021-04-02 Relisted realMLS
  • 2021-03-29 Pending realMLS
  • 2021-03-22 Contingent realMLS
  • 2021-03-18 Price Changed $169,900 realMLS
  • 2021-03-09 Price Changed $175,000 realMLS
  • 2021-03-05 Relisted realMLS
  • 2021-03-04 Contingent realMLS
  • 2021-02-26 Listed $178,500 realMLS
  • 2020-10-15 Sold (Public Records) $1,800,000 Public Records
  • 1995-01-23 Sold (Public Records) $13,500 Public Records

Property tax history

+9.1%/yr

Latest (2025): $2,145 · +14.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…