1004 E Jackson St · Pensacola, FL 32501

$5,000

2 bd · 2.0 ba · 1,456 sqft · SingleFamily public records · 8 Days on market

Built 1914

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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).

• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Rent growth +3.9/5.0
• Schools +3.6/10.0
• Cash flow +3.3/30.0
• Condition / age +2.5/5.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends June 19, 2026 at 12:00 PM EST. Discover this inviting 2-bedroom, 2-bathroom single-family home, offering a great opportunity in the desirable Pensacola area. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa.

Key facts

• Built 1914
• Listed 8 days

Property features AI

Exterior

• Home design: Residential property
• Construction: Built on a 0.12-acre lot
• Exterior features: Zoned R-1AA

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Single-story layout

🔨 Auction listing. The $5,000 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $425,152 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $-1k ($-16k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).
• Cap rate 2.5% vs local median 3.6% in Pensacola — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 83/100 on livability (#53 in FL, #924 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+.
• Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: N. B. Cook Elementary School (math 80% / reading 75%, grade A, #163 of 2,144 statewide, top 8%, 514 students, 44% FRL); J. H. Workman Middle School (math 20% / reading 27%, grade F, #536 of 571 statewide, top 95%, 705 students, 72% FRL); Pensacola High School (math 29% / reading 50%, grade F, #304 of 667 statewide, top 47%, 1,229 students, 55% FRL) — zoned schools at 57% FRL track the district average.
• Market conditions: Rents rising fast (+5.4%/yr); 130 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).
• At $2,035/mo this rent would consume 55% of the median local household income ($44k/yr) (locally 816% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 127.5% of price; built in 1914 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $5,000

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. Built in 1914 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.48% ✗
• Cap rate: 2.54%
• Cash-on-cash: -13.41%
• DSCR: 0.40
• GRM: 17.4

CMA / ARV

• ARV (on-the-fly): $425,152
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
913 N 8th Ave	0.30mi	3/1.0 (+1)	1,473 (+1%)	5mo	$170,124	$115	71
1109 E Gonzalez St	0.31mi	3/3.0 (+1)	1,500 (+3%)	2mo	$507,500	$338	70
1212 N 6th Ave	0.50mi	3/2.0 (+1)	1,477 (+1%)	1mo	$409,900	$278	68
1015 E Brainerd St	0.37mi	3/2.0 (+1)	1,353 (-7%)	2mo	$499,000	$369	64
1519 E La Rua St	0.50mi	3/2.0 (+1)	1,513 (+4%)	2mo	$494,000	$327	64
1420 N 12th Ave	0.59mi	2/1.0	1,416 (-3%)	2mo	$414,000	$292	63
415 E Gonzalez St	0.48mi	3/2.5 (+1)	1,386 (-5%)	1mo	$405,000	$292	62
1613 E Desoto St	0.61mi	3/2.0 (+1)	1,406 (-3%)	1mo	$465,000	$331	60
1316 N Davis Hwy	0.59mi	2/1.5	1,344 (-8%)	4mo	$235,000	$175	54
1131 E Blount St	0.57mi	3/2.0 (+1)	1,320 (-9%)	8mo	$452,000	$342	46
1408 N 7th Ave	0.58mi	3/1.5 (+1)	1,285 (-12%)	5mo	$341,000	$265	42
908 E Lee St	0.54mi	3/2.0 (+1)	1,258 (-14%)	6mo	$340,000	$270	42

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 · 5.4% rent growth · sell at horizon

5-year hold

• IRR: -39.0%
• Equity multiple: -0.25×
• Total profit: $-148,565
• Equity at exit: $63,392

10-year hold

• IRR: -44.7%
• Equity multiple: -0.82×
• Total profit: $-216,664
• Equity at exit: $36,759

Cash invested: $119,043 (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 32501

• Rents YoY: 5.4%
• Active inventory: 130
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,035 high
• Mortgage (P&I): −$2,230
• Tax est. 1.5%: −$531 /mo · $6,377/yr
• Insurance: −$177
• HOA: −$0
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $-1,330

Break-even live

Break-even rent $3,719

Max offer price $232,639

Occupancy floor —

Sensitivity live

Price	-10% $-1,037	-5% $-1,184	+0% $-1,330	+5% $-1,477	+10% $-1,624
Rent	-10% $-1,491	-5% $-1,411	+0% $-1,330	+5% $-1,250	+10% $-1,170
Rate	-1.0pp $-1,116	-0.5pp $-1,222	base $-1,330	+0.5pp $-1,441	+1.0pp $-1,553

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: $106,288
• Closing costs: $12,755
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
511 E La Rua St Pensacola, FL	3.0	1.0	1128	$1,475	$1.31	15d	1	0.32mi
801 E Gonzalez St Pensacola, FL	3.0	2.0	1200	$2,200	$1.83	15d	1	0.32mi
422 N Davis Hwy Pensacola, FL	2.0	1.5	941	$2,100	$2.23	25d	1	0.35mi
1011 Doctor M.L.K. Jr Dr Unit B Pensacola, FL	2.0	1.0	877	$1,200	$1.37	25d	1	0.49mi
1704 E Lee St Pensacola, FL	3.0	2.0	1226	$2,295	$1.87	25d	1	0.81mi
1414 E Mallory St Pensacola, FL	3.0	2.0	1323	$3,400	$2.57	25d	1	0.82mi
101 E Romana St Pensacola, FL	3.0	1.0–2.0	987	$2,288	$2.32	15d	20	0.86mi
504 N Spring St Unit B Pensacola, FL	3.0	1.5	1485	$1,995	$1.34	25d	1	0.89mi
2008 N 8th Ave Pensacola, FL	3.0	2.0	1058	$1,250	$1.18	15d	1	0.93mi
214 W La Rua St Pensacola, FL	2.0	2.5	1600	$2,800	$1.75	15d	1	0.94mi
2115 N 12th Ave Pensacola, FL	2.0	1.5	950	$1,800	$1.89	15d	1	1.01mi
1121 E Maxwell St Pensacola, FL	3.0	2.5	1716	$3,550	$2.07	25d	1	1.02mi
220 W Chase St Pensacola, FL	2.0	1.0	648	$1,241	$1.92	25d	1	1.03mi
218 Junction Ave Pensacola, FL	2.0	2.5	1295	$2,400	$1.85	25d	1	1.12mi
300 Bayou Blvd Pensacola, FL	2.0–4.0	1.0–1.5	968	$1,500	$1.55	15d	2	1.16mi
615 N A St Pensacola, FL	3.0	2.0	1122	$1,900	$1.69	15d	1	1.27mi
1215 N C St Pensacola, FL	3.0	1.0	1203	$1,775	$1.48	15d	1	1.37mi
1010 N D St Pensacola, FL	2.0	2.0	1196	$1,850	$1.55	25d	1	1.41mi
418 N C St Pensacola, FL	3.0	2.0	1017	$2,775	$2.73	15d	1	1.41mi
410 N C St Unit 1367374P Pensacola, FL	3.0	2.0	1291	$3,313	$2.57	15d	1	1.41mi
407 W Jordan St Unit NA Pensacola, FL	3.0	2.0	1300	$2,200	$1.69	25d	1	1.44mi
811 N D St Pensacola, FL	2.0	2.0	1035	$1,395	$1.35	25d	1	1.45mi
814 N E St Pensacola, FL	3.0	2.0	1440	$1,695	$1.18	25d	1	1.48mi

Listing history 6 events

1. 2026-06-18
   days on market $5,000 Active 8 DOM
2. 2026-06-17
   days on market $5,000 Active 7 DOM
3. 2026-06-16
   days on market $5,000 Active 6 DOM
4. 2026-06-15
   days on market $5,000 Active 5 DOM
5. 2026-06-14
   remarks 309-char remark
6. 2026-06-14
   listed $5,000 Active 3 DOM

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,421
• − Mortgage interest: −$23,815
• − Property taxes: −$6,377
• − Insurance: −$2,126
• − Repairs & maintenance: −$1,954
• − Management: −$1,954
• − Depreciation: −$12,368
• Taxable loss: −$24,173
• Est. tax savings @ 24.0%: +$5,801
• After-tax cash flow: $-10,164/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: Escambia
• NCES district ID: 1200510
• Math proficiency: 40% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $44,649
• Composite: 36.04/100
• National rank: #4773
• State rank: #56 of 73 in FL

Livability — Pensacola

• Score: 83/100
• State rank: #53
• US rank: #924

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pensacola, FL
• County: Escambia County · 301,722 people
• City population: 237,636
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 11,036
• Household income: $44,139
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 816.0

Population outlook (Escambia County) Hauer SSP2

• Today (2025): 334,637 people
• By 2030: 345,779 · +3.3%
• By 2040: 364,828 · +9.0%
• By 2050: 378,514 · +13.1%
• By 2075: 403,220 · +20.5%
• By 2100: 386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: Black 45% White 42% Two or more races 8% Hispanic / Latino 5%
• Common ancestry: Subsaharan African 2% Italian 2% Slovak 2%
• Foreign-born: 2% · Canada, Vietnam
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Escambia

• 2024 margin: R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
• 2008→2024 swing: -0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
• All cycles: 2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -210.53%
• Current HPI: 273.0151
• Rent YoY: ▲ 5.40%
• Metro: Pensacola-Ferry Pass-Brent, 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

-91.7% since first listed

2 events — show timeline

• 2026-06-10 Listed $5,000 NFMLS
• 1991-06-01 Sold (Public Records) $59,900 Public Records

Property tax history

+3.0%/yr

Latest (2025): $1,296 · +7.1% YoY. Source: county tax records.