6034 Twin Pines Rd · Jacksonville, FL 32234

$175,500

3 bd · 2.0 ba · 1,320 sqft · Manufactured public records · 20 Days on market

Built 1973 Est $222k · 21% under ↓ 20% since listing

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Why this score? — see what drove the B 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 +25.5/30.0
• ARV discount +15.0/15.0
• DSCR +8.5/10.0
• 1% rule +6.0/10.0
• Appreciation +5.2/10.0
• Schools +5.1/10.0
• Livability +4.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

Key facts

• Hardwood flooring
• Central heat and air
• Shingle roof

Tags

• CENTRAL HEAT AND AIR
• REMODELED MODIFIED HOME
• HARDWOOD FLOORING
• SHINGLE ROOF
• STORAGE UNIT
• FENCED IN PRIVATE PROPERTY

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $176k.

Deal economics

• At list price, monthly cash flow is $410 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $176k).
• Recommended offer: $173k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.1% 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+.
• 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.
• Market conditions: 234 active listings in the ZIP; solid renter incomes; 1,876 units permitted in Clay County in 2024 (14 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($1k loan paydown + $790 appreciation (0.5% local appreciation)).
• Clay County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (0.5% appreciation + 3.0% rent growth), your $49k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($173k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y 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; severe wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $172,867 (1.5% below list)

Questions for the listing agent

1. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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: 1.10% ✓
• Cap rate: 9.10%
• Cash-on-cash: 10.02%
• DSCR: 1.45
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $221,760
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
605 County Road 217	0.21mi	3/2.0	1,462 (+11%)	2mo	$245,000	$168	70
6346 Memory Ln	0.32mi	4/2.0 (+1)	1,444 (+9%)	3mo	$285,000	$197	62
6018 Liana Lee Dr	0.13mi	3/2.0	1,456 (+10%)	22mo	$225,000	$155	59

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

0.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.2%
• Equity multiple: 1.50×
• Total profit: $24,720
• Equity at exit: $54,946

10-year hold

• IRR: 14.6%
• Equity multiple: 2.68×
• Total profit: $82,395
• Equity at exit: $69,319

Cash invested: $49,140 (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 32234

• Home prices YoY: 0.2%
• Active inventory: 234
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,929 medium
• Mortgage (P&I): −$920
• Tax from tax record: −$120 /mo · $1,440/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$405
• Net cashflow: $410

Break-even live

Break-even rent $1,409

Max offer price $175,500

Occupancy floor 74%

Sensitivity live

Price	-10% $510	-5% $460	+0% $410	+5% $361	+10% $311
Rent	-10% $258	-5% $334	+0% $410	+5% $487	+10% $563
Rate	-1.0pp $499	-0.5pp $455	base $410	+0.5pp $365	+1.0pp $319

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: $43,875
• Closing costs: $5,265
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-15
   days on market $175,500 Active 20 DOM
2. 2026-06-13
   days on market $175,500 Active 18 DOM
3. 2026-06-13
   days on market $175,500 Active 17 DOM
4. 2026-06-09
   days on market $175,500 Active 14 DOM
5. 2026-06-08
   days on market $175,500 Active 13 DOM
6. 2026-06-07
   days on market $175,500 Active 12 DOM
7. 2026-06-03
   days on market $175,500 Active 8 DOM
8. 2026-06-02
   days on market $175,500 Active 7 DOM
9. 2026-06-01
   days on market $175,500 Active 6 DOM
10. 2026-05-31
    days on market $175,500 Active 5 DOM
11. 2026-05-26
    listed $175,500 Active
12. 2025-08-01
    historical 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

13. 2025-03-07
    price $185,000 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

14. 2025-02-11
    listed $200,000 Active 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

15. 2025-01-14
    historical 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

16. 2025-01-09
    status Active 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

17. 2024-12-31
    historical 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

18. 2024-10-30
    price $200,000 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

19. 2024-10-12
    price $205,000 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

20. 2024-09-13
    price $210,000 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

21. 2024-09-04
    price $215,000 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

22. 2024-08-07
    listed $220,000 Active 281-char remark

    Show marketing remark (281 chars)

    This home is located on a one acre lot, with beautiful country setting, the mobile home has been update with standard construction, 2x4 studs etc.,,the home features a large kitchen with lots of cabinets and counter space, also includes large over size garage and storage building.

ⓘ 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: $1,440 · $120/mo
• Projected year-2 tax: $1,457 · $121/mo
• Expected delta: +$17/yr (+$1/mo · 1.2%)

ⓘ 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 · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,147
• − Mortgage interest: −$9,831
• − Property taxes: −$1,440
• − Insurance: −$878
• − Repairs & maintenance: −$1,852
• − Management: −$1,852
• − Depreciation: −$5,105
• Taxable income: $2,190
• Est. tax owed @ 24.0%: −$526
• After-tax cash flow: $4,399/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 — 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

• County: Duval County · 1,015,274 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 9,678
• Household income: $87,331
• Rent vs Own: 13.6% rent · 86.4% own
• Severe rent burden: 62.0

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 (76%)
• Race & ethnicity: White 76% Black 16% Hispanic / Latino 6% Two or more races 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Salvadoran 1%
• Common ancestry: Serbian 2% Lithuanian 1% Slovak 1%
• Foreign-born: 4% · Canada, Dominican Republic
• Languages at home: 95% English-only · Spanish 4%

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: ▲ 0.45%
• Current HPI: 288.4613
• Rent YoY: —
• 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

-20.2% since first listed

12 events — show timeline

• 2026-05-26 Listed $175,500 FSBO.com
• 2025-08-01 Listing Removed — realMLS
• 2025-03-07 Price Changed $185,000 realMLS
• 2025-02-11 Listed $200,000 realMLS
• 2025-01-14 Listing Removed — realMLS
• 2025-01-09 Relisted — realMLS
• 2024-12-31 Listing Removed — realMLS
• 2024-10-30 Price Changed $200,000 realMLS
• 2024-10-12 Price Changed $205,000 realMLS
• 2024-09-13 Price Changed $210,000 realMLS
• 2024-09-04 Price Changed $215,000 realMLS
• 2024-08-07 Listed $220,000 realMLS

Property tax history

+17.0%/yr

Latest (2025): $1,440 · +12.8% YoY. Source: county tax records.