554 Roberts St · Jacksonville, FL 32254

$139,000

3 bd · 2.0 ba · 1,180 sqft · SingleFamily public records · 39 Days on market

Built 1928 9,936 sqft lot Est $203k · 32% under

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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
• Appreciation +6.7/10.0
• 1% rule +5.6/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Charming 3BR/2BA Home with Solid Upside in Jacksonville's Westside Welcome to this well-positioned 3-bedroom, 2-bathroom home offering approximately 1,180 sqft of living space in Jacksonville's growing westside corridor. This property presents a great opportunity for both homeowners and investors looking for value, functionality, and long-term upside. Inside, you'll find a practical layout with defined living spaces, a functional kitchen, and comfortable bedroom sizes. The primary suite includes its own private bathroom, while the additional bedrooms offer flexibility for family, guests, or a home office setup. The property sits on a manageable lot with room to enjoy outdoor living, entertaining, or future improvements. Located just minutes from major roadways, shopping, and downtown Jacksonville, this home offers both convenience and accessibility. Dont miss out on this wonderful Oppurtunity

Key facts

• Yard with potential
• Efficient kitchen
• 9,936 sq ft lot

Tags

• FUNCTIONAL LIVING AREA
• EFFICIENT KITCHEN
• YARD WITH POTENTIAL
• QUICK ACCESS TO DOWNTOWN
• CLOSE TO SEVERAL LOCAL PARKS

Property features AI

Exterior

• Parking: Additional parking
• Utilities: Public water; Sewer connected; Electricity connected; Cable available; Water connected
• Home design: Single-family residence; Residential property
• Construction: Built on established foundation
• Exterior features: Privacy fencing; Shingle roof

Interior

• Kitchen: Electric range; Dishwasher
• Bedrooms: 2 total rooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Electric cooling
• Interior features: Electric range; Dishwasher

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $139k.

Deal economics

• At list price, monthly cash flow is $326 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $139k).
• Recommended offer: $135k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.1% 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 rising (+1.7%/yr); 172 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($961 loan paydown + $5k appreciation (3.4% local appreciation)).
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.4% appreciation + 1.7% rent growth), your $39k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($135k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $49k; list at $139k implies a 184% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1928 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,830 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.06% ✓
• Cap rate: 9.11%
• Cash-on-cash: 10.06%
• DSCR: 1.45
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $202,960
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5544 Leaming Ave	0.07mi	2/2.0 (-1)	1,184 (+0%)	15mo	$220,020	$186	78
5541 Harriet Ave	0.13mi	3/1.0	1,132 (-4%)	9mo	$75,000	$66	76
5528 Leaming Ave	0.06mi	3/2.0	1,027 (-13%)	9mo	$215,000	$209	68
5319 Astral St	0.66mi	3/1.0	1,230 (+4%)	1mo	$131,000	$107	57
5125 Rosselle St	0.55mi	4/2.0 (+1)	1,265 (+7%)	16mo	$200,000	$158	44
5416 Attleboro St	0.72mi	3/2.0	1,320 (+12%)	20mo	$227,000	$172	30

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

Projected returns pro-forma

3.41% appreciation · 1.7% rent growth · sell at horizon

5-year hold

• IRR: 17.2%
• Equity multiple: 1.99×
• Total profit: $38,620
• Equity at exit: $65,756

10-year hold

• IRR: 17.7%
• Equity multiple: 3.62×
• Total profit: $102,094
• Equity at exit: $103,946

Cash invested: $38,920 (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.

Methodology + full state rankings →

ZIP-level market 32254

• Home prices YoY: 1.2%
• Rents YoY: 1.7%
• Active inventory: 172
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,478 high
• Mortgage (P&I): −$729
• Tax from tax record: −$55 /mo · $659/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$310
• Net cashflow: $326

Break-even live

Break-even rent $1,066

Max offer price $139,000

Occupancy floor 73%

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: $34,750
• Closing costs: $4,170
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5405 Leaming Ave Jacksonville, FL	3.0	1.0	924	$1,199	$1.30	17d	1	0.15mi
740 Ernona St Jacksonville, FL	2.0	1.0	800	$1,200	$1.50	7d	1	0.38mi
5614 Atlee Ave Jacksonville, FL	3.0	1.0	750	$1,350	$1.80	23d	1	0.40mi
5616 Atlee Ave Jacksonville, FL	3.0	1.0	800	$1,150	$1.44	23d	1	0.40mi
5687 Atlee Ave Jacksonville, FL	3.0	1.0	1130	$1,350	$1.19	23d	1	0.42mi
853 Mikael Ave Jacksonville, FL	3.0	2.0	1025	$1,600	$1.56	23d	1	0.73mi
5067 French St Jacksonville, FL	3.0	1.0	1376	$1,450	$1.05	23d	1	0.73mi
5204 Astral St Jacksonville, FL	3.0	2.0	1337	$1,645	$1.23	21d	1	0.79mi
214 Santa Barbara Ave Jacksonville, FL	3.0	2.0	1127	$1,308	$1.16	14d	1	0.80mi
979 Mikael Ave Jacksonville, FL	2.0	1.0	1002	$1,510	$1.51	23d	1	0.82mi
1130 Comanche St Unit 402 Jacksonville, FL	2.0	1.0	763	$1,090	$1.43	23d	1	0.87mi
5150 Kingsbury St Jacksonville, FL	2.0	1.0	1500	$1,195	$0.80	14d	1	0.90mi
4718 Ramona Blvd Jacksonville, FL	3.0	1.0	1085	$1,595	$1.47	23d	1	0.92mi
4813 Post St Jacksonville, FL	2.0	1.0	930	$1,150	$1.24	14d	1	0.97mi
4752 Post St Jacksonville, FL	2.0	1.0	936	$1,400	$1.50	23d	1	1.03mi
5148 Cain Ln Jacksonville, FL	3.0	1.0	1104	$1,306	$1.18	21d	1	1.05mi
5364 Mary Budd Ave Jacksonville, FL	3.0	2.0	836	$1,225	$1.47	2d	1	1.10mi
4651 Astral St Jacksonville, FL	3.0	1.0	1140	$2,000	$1.75	1d	1	1.16mi
5710 Lenox Ave Jacksonville, FL	1.0–4.0	1.0–2.0	988	$1,299	$1.31	23d	1	1.17mi
6781 Grace Ln Jacksonville, FL	4.0	3.0	1296	$2,300	$1.77	23d	1	1.19mi
3433 Brookhaven Dr Jacksonville, FL	2.0	1.0	754	$1,295	$1.72	7d	1	1.24mi
4620 Attleboro St Jacksonville, FL	3.0	2.0	1032	$2,195	$2.13	11d	1	1.25mi
4633 Kingsbury St Jacksonville, FL	3.0	1.0	1134	$1,695	$1.49	21d	1	1.26mi
628 Meteor St Jacksonville, FL	3.0	1.0	1123	$1,395	$1.24	23d	1	1.26mi
3350 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	900	$1,095	$1.22	23d	1	1.31mi
1303 Mull St Jacksonville, FL	3.0	2.5	1409	$1,725	$1.22	23d	1	1.31mi
4623 Hercules Ave Jacksonville, FL	2.0	1.0	1014	$1,221	$1.20	3d	1	1.31mi
4530 Astral St Jacksonville, FL	2.0	1.0	800	$1,925	$2.41	23d	1	1.32mi
909 La Marche Dr Jacksonville, FL	3.0	1.0	1326	$1,600	$1.21	20d	1	1.32mi
3450 Lowell Ave Jacksonville, FL	3.0	2.0	1209	$1,578	$1.31	23d	1	1.36mi
6117 Hollow Ct Key Hollow Jacksonville, FL	3.0	2.0	1044	$1,449	$1.39	7d	1	1.37mi
1335 Mull St Jacksonville, FL	3.0	2.5	1409	$1,725	$1.22	23d	1	1.37mi
3305 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	1012	$1,021	$1.01	23d	1	1.37mi
5363 Poppy Dr Jacksonville, FL	3.0	1.0	1040	$1,445	$1.39	20d	1	1.39mi
5647 Ellis Trace Dr Jacksonville, FL	3.0	2.0	1200	$1,595	$1.33	14d	1	1.40mi
6128 Hollow Ct Key Hollow Jacksonville, FL	3.0	3.0	1492	$1,800	$1.21	23d	1	1.40mi
5671 Ellis Trace Dr Jacksonville, FL	3.0	2.0	1197	$1,595	$1.33	23d	1	1.40mi
4315 Antisdale St Jacksonville, FL	4.0	1.0	1100	$1,600	$1.45	23d	1	1.44mi
5377 Royce Ave Jacksonville, FL	3.0	1.0	1040	$1,800	$1.73	17d	1	1.45mi
5351 Royce Ave Jacksonville, FL	3.0	1.0	1040	$1,600	$1.54	23d	1	1.46mi

Listing history 13 events

1. 2026-06-05
   status $139,000 Pending 39 DOM
2. 2026-06-03
   days on market $139,000 Active 39 DOM
3. 2026-06-02
   days on market $139,000 Active 38 DOM
4. 2026-06-01
   days on market $139,000 Active 37 DOM
5. 2026-05-31
   days on market $139,000 Active 36 DOM
6. 2026-05-21
   price $139,000
7. 2026-05-12
   status Active
8. 2026-04-30
   status Pending
9. 2026-04-13
   listed $149,000 Active
10. 2026-04-02
    historical 917-char remark

    Show marketing remark (917 chars)

    Charming 3BR/2BA Home with Solid Upside in Jacksonville's Westside Welcome to this well-positioned 3-bedroom, 2-bathroom home offering approximately 1,180 sqft of living space in Jacksonville's growing westside corridor. This property presents a great opportunity for both homeowners and investors looking for value, functionality, and long-term upside. Inside, you'll find a practical layout with defined living spaces, a functional kitchen, and comfortable bedroom sizes. The primary suite includes its own private bathroom, while the additional bedrooms offer flexibility for family, guests, or a home office setup. The property sits on a manageable lot with room to enjoy outdoor living, entertaining, or future improvements. Located just minutes from major roadways, shopping, and downtown Jacksonville, this home offers both convenience and accessibility. Dont miss out on this wonderful Oppurtunity

11. 2026-03-28
    listed $149,000 Active 917-char remark

    Show marketing remark (917 chars)

    Charming 3BR/2BA Home with Solid Upside in Jacksonville's Westside Welcome to this well-positioned 3-bedroom, 2-bathroom home offering approximately 1,180 sqft of living space in Jacksonville's growing westside corridor. This property presents a great opportunity for both homeowners and investors looking for value, functionality, and long-term upside. Inside, you'll find a practical layout with defined living spaces, a functional kitchen, and comfortable bedroom sizes. The primary suite includes its own private bathroom, while the additional bedrooms offer flexibility for family, guests, or a home office setup. The property sits on a manageable lot with room to enjoy outdoor living, entertaining, or future improvements. Located just minutes from major roadways, shopping, and downtown Jacksonville, this home offers both convenience and accessibility. Dont miss out on this wonderful Oppurtunity

12. 1989-09-01
    soldstatus $48,900
13. 1989-01-01
    soldstatus $48,000

ⓘ 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: $659 · $55/mo
• Projected year-2 tax: $1,154 · $96/mo
• Expected delta: +$495/yr (+$41/mo · 75.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,741
• − Mortgage interest: −$7,786
• − Property taxes: −$659
• − Insurance: −$695
• − Repairs & maintenance: −$1,419
• − Management: −$1,419
• − Depreciation: −$4,044
• Taxable income: $1,719
• Est. tax owed @ 24.0%: −$412
• After-tax cash flow: $3,502/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): 13,927
• Household income: $34,953
• Rent vs Own: 50.2% rent · 49.8% own
• Severe rent burden: 882.0

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 0.56)
• Race & ethnicity: Black 60% White 28% Two or more races 7% Hispanic / Latino 5%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Slovak 1% Hispanic 1% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 2%

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: ▲ 3.41%
• Current HPI: 282.2981
• Rent YoY: ▲ 1.70%
• 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

+189.6% since first listed

8 events — show timeline

• 2026-05-21 Price Changed $139,000 Daytona MLS
• 2026-05-12 Relisted — Daytona MLS
• 2026-04-30 Pending — Daytona MLS
• 2026-04-13 Listed $149,000 Daytona MLS
• 2026-04-02 Listing Removed — realMLS
• 2026-03-28 Listed $149,000 realMLS
• 1989-09-01 Sold (Public Records) $48,900 Public Records
• 1989-01-01 Sold (Public Records) $48,000 Public Records

Property tax history

+5.8%/yr

Latest (2025): $659 · +40.7% YoY. Source: county tax records.