7915 103rd St · Jacksonville, FL 32210

$35,000

3 bd · 8.0 ba · 1,848 sqft · SingleFamily public records · 178 Days on market

Built 2005 1.00 ac lot

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

3 bedrooms / 2 bathroom Located in a clean, affordable park Home may remain in the park or be moved Transport assistance available (contact for quote) Clear title in hand Fast closing available Home comes with furniture and BRAND NEW ROOF! Nice large living area and spacious bedrooms. Lot rent: $680/month Price: $45000 priced to sell Serious buyers only. Message for details or to schedule a tour.

Key facts

• Brand new roof
• Clear title
• 1 acre lot

Tags

• CLEAR TITLE
• BRAND NEW ROOF

Property features AI

Exterior

• Home design: House
• Construction: Approximately 1,152 square feet
• Exterior features: Property sits on a 1-acre lot

🏷️ Possibly a rental listed for sale. The $35,000 price doesn't fit this home's estimated sale value (~$297,528) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/8.0-bath single-family listed at $35k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $35k).
• Recommended offer: $31k (12.0% below list) — sets the bar for market timing.
• Cap rate 42.3% 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 rising (+2.1%/yr); 441 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 32% of the median local income ($61k/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 $242 of loan paydown is wiped out by about $1k 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.
• At projected returns (-3.0% appreciation + 2.1% rent growth), your $10k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 178 days — a 12% lower offer ($31k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 22y ago; this cycle's ask has dropped $10k (22%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $30,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 178 days. Have you received any prior offers? Is the seller open to a 12% 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. 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. 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: 4.67% ✓
• Cap rate: 42.26%
• Cash-on-cash: 128.47%
• DSCR: 6.72
• GRM: 1.8

CMA / ARV

• ARV (on-the-fly): $297,528
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8104 McGlothlin St	0.28mi	2/1.0 (-1)	1,888 (+2%)	5mo	$112,000	$59	59
7959 Lancia St N	0.33mi	4/1.0 (+1)	1,680 (-9%)	1mo	$250,000	$149	49
7860 Falcon St	0.32mi	3/2.0	1,682 (-9%)	2mo	$260,000	$155	48
7843 Lancia St N	0.35mi	4/2.0 (+1)	1,640 (-11%)	1mo	$274,000	$167	44
8279 Newport Rd Rd	0.61mi	4/2.0 (+1)	1,840 (-0%)	10mo	$220,000	$120	42
4596 Prosperity Way	0.66mi	3/2.0	1,771 (-4%)	2mo	$310,000	$175	41
8263 Caravelle Dr	0.69mi	4/2.5 (+1)	1,855 (+0%)	8mo	$325,000	$175	41
8219 Vining St	0.47mi	4/2.5 (+1)	1,665 (-10%)	3mo	$290,598	$175	39
7856 Jaguar Dr	0.52mi	3/2.0	1,690 (-8%)	5mo	$155,000	$92	38
8194 Caravelle Dr	0.69mi	4/3.0 (+1)	1,894 (+2%)	10mo	$305,000	$161	36
5822 Rover Dr	0.61mi	3/2.0	1,736 (-6%)	9mo	$187,000	$108	34
8244 Newport Rd	0.66mi	3/2.5	1,632 (-12%)	12mo	$309,000	$189	20

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 · 2.11% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 7.09×
• Total profit: $59,724
• Equity at exit: $5,219

10-year hold

• IRR: —
• Equity multiple: 14.50×
• Total profit: $132,304
• Equity at exit: $3,026

Cash invested: $9,800 (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 32210

• Rents YoY: 2.1%
• Active inventory: 441
• Price-to-rent: 1.8×

Monthly cashflow live

• Estimated rent: $1,634 high
• Mortgage (P&I): −$184
• Tax est. 1.5%: −$44 /mo · $525/yr
• Insurance: −$15
• HOA: −$0
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $1,049

Break-even live

Break-even rent $306

Max offer price $35,000

Occupancy floor 31%

Sensitivity live

Price	-10% $1,073	-5% $1,061	+0% $1,049	+5% $1,037	+10% $1,025
Rent	-10% $920	-5% $985	+0% $1,049	+5% $1,114	+10% $1,178
Rate	-1.0pp $1,067	-0.5pp $1,058	base $1,049	+0.5pp $1,040	+1.0pp $1,031

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: $8,750
• Closing costs: $1,050
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7880 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,495	$1.12	16d	1	0.20mi
7840 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,398	$1.04	15d	1	0.22mi
7851 Playschool Ln Jacksonville, FL	3.0	3.0	1508	$1,600	$1.06	24d	1	0.24mi
7800 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,361	$1.02	15d	1	0.25mi
7796 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,375	$1.03	24d	1	0.25mi
8050 103rd St Jacksonville, FL	1.0–3.0	1.0–2.0	1025	$1,575	$1.54	2d	11	0.25mi
4706 Playpen Dr Jacksonville, FL	2.0	2.5	1330	$1,321	$0.99	8d	1	0.27mi
7911 Melvin Rd Jacksonville, FL	3.0	2.5	1471	$1,740	$1.18	2d	1	0.29mi
7875 Melvin Rd Jacksonville, FL	3.0	2.5	1464	$1,650	$1.13	4d	1	0.32mi
4781 Playschool Dr Jacksonville, FL	3.0	2.5	1548	$1,495	$0.97	8d	1	0.33mi
7901 Austin Rd Jacksonville, FL	3.0	2.0	1268	$1,815	$1.43	24d	1	0.38mi
7707 Falcon St Jacksonville, FL	4.0	2.0	1300	$2,000	$1.54	17d	1	0.39mi
7948 Austin Rd Jacksonville, FL	3.0	2.0	1335	$1,775	$1.33	4d	1	0.41mi
8180 Metto Rd Jacksonville, FL	4.0	2.5	1665	$1,859	$1.12	16d	1	0.43mi
7947 Renault Dr Jacksonville, FL	3.0	2.0	1285	$1,500	$1.17	17d	1	0.43mi
8121 Cheryl Ann Ln Unit Le Sabre Townhouse Jacksonville, FL	3.0	2.5	1601	$1,950	$1.22	4d	1	0.49mi
7559 Proxima Rd Jacksonville, FL	3.0	2.0	1308	$1,499	$1.15	24d	1	0.56mi
8215 Victory Crossing Blvd Jacksonville, FL	3.0	2.0	1903	$1,900	$1.00	4d	1	0.58mi
8263 Victory Crossing Blvd Jacksonville, FL	3.0	2.0	1903	$1,900	$1.00	24d	1	0.58mi
8272 Victory Crossing Blvd Jacksonville, FL	4.0	2.0	2149	$2,600	$1.21	24d	1	0.58mi
5905 Renault Dr W Jacksonville, FL	4.0	2.0	1524	$1,850	$1.21	24d	1	0.61mi
8402 McGirts Village Ln Unit 7E Jacksonville, FL	2.0	2.5	1319	$1,198	$0.91	8d	1	0.61mi
4418 Melissa Ct W Jacksonville, FL	3.0	2.5	1386	$1,300	$0.94	24d	1	0.63mi
4418 Melissa Ct W Unit Bedroom w/ private bath Jacksonville, FL	3.0	2.5	1386	$1,250	$0.90	24d	1	0.63mi
8419 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,400	$1.06	2d	1	0.63mi
5524 Enchanted Dr Jacksonville, FL	3.0	1.5	1237	$1,580	$1.28	3d	1	0.66mi
8443 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,381	$1.04	8d	1	0.66mi
8325 Homeport Ct Jacksonville, FL	3.0	2.0	1518	$1,575	$1.04	17d	1	0.67mi
8329 Homeport Ct Jacksonville, FL	3.0	2.5	1281	$1,695	$1.32	15d	1	0.68mi
7364 Strato Rd Jacksonville, FL	3.0	2.0	1412	$1,750	$1.24	24d	1	0.69mi
4372 Melissa Ct W Jacksonville, FL	4.0	2.0	1445	$1,544	$1.07	16d	1	0.69mi
8341 Homeport Ct Jacksonville, FL	3.0	2.5	1296	$1,800	$1.39	24d	1	0.69mi
8460 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,482	$1.12	8d	1	0.70mi
8485 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,381	$1.04	24d	1	0.72mi
6019 Blank Dr Jacksonville, FL	3.0	2.0	1520	$1,500	$0.99	24d	1	0.73mi
8493 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,381	$1.04	21d	1	0.74mi
4425 Jana Ln E Jacksonville, FL	3.0	2.0	1284	$1,690	$1.32	13d	1	0.75mi
4285 Melissa Ct W Jacksonville, FL	2.0	2.0	1320	$1,450	$1.10	15d	1	0.80mi
8515 Maple St Jacksonville, FL	3.0	2.0	1255	$1,499	$1.19	3d	1	0.82mi
8518 Maple St Jacksonville, FL	3.0	2.0	1460	$1,623	$1.11	16d	1	0.84mi

Listing history 18 events

1. 2026-06-18
   days on market $35,000 Active 178 DOM
2. 2026-06-17
   days on market $35,000 Active 177 DOM
3. 2026-06-16
   days on market $35,000 Active 176 DOM
4. 2026-06-15
   days on market $35,000 Active 175 DOM
5. 2026-06-10
   days on market $35,000 Active 169 DOM
6. 2026-06-08
   days on market $35,000 Active 168 DOM
7. 2026-06-03
   days on market $35,000 Active 163 DOM
8. 2026-06-02
   days on market $35,000 Active 162 DOM
9. 2026-06-01
   days on market $35,000 Active 161 DOM
10. 2026-05-31
    days on market $35,000 Active 160 DOM
11. 2026-01-24
    price $35,000
12. 2025-12-22
    listed $45,000 Active
13. 2004-09-19
    historical
14. 2004-08-19
    listed $49,900
15. 1999-05-27
    soldstatus $821,300
16. 1999-05-27
    soldstatus $821,300
17. 1992-03-19
    soldstatus $1,161,300
18. 1985-11-01
    soldstatus $1,756,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $19,611
• − Mortgage interest: −$1,961
• − Property taxes: −$525
• − Insurance: −$175
• − Repairs & maintenance: −$1,569
• − Management: −$1,569
• − Depreciation: −$1,018
• Taxable income: $12,794
• Est. tax owed @ 24.0%: −$3,071
• After-tax cash flow: $9,519/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): 65,729
• Household income: $61,050
• Rent vs Own: 42.6% rent · 57.4% own
• Severe rent burden: 3605.0

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 0.65)
• Race & ethnicity: White 43% Black 38% Hispanic / Latino 10% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3%
• Common ancestry: Slovak 2% Hispanic 2% Italian 1%
• Foreign-born: 10% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 7% French/Haitian/Cajun 2% 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: ▼ -314.81%
• Current HPI: 281.2688
• Rent YoY: ▲ 2.11%
• 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

-98.0% since first listed

8 events — show timeline

• 2026-01-24 Price Changed $35,000 ForSaleByOwner.com
• 2025-12-22 Listed $45,000 ForSaleByOwner.com
• 2004-09-19 Listing Removed — realMLS
• 2004-08-19 Listed $49,900 realMLS
• 1999-05-27 Sold (Public Records) $821,300 Public Records
• 1999-05-27 Sold (Public Records) $821,300 Public Records
• 1992-03-19 Sold (Public Records) $1,161,300 Public Records
• 1985-11-01 Sold (Public Records) $1,756,000 Public Records

Property tax history

+6.6%/yr

Latest (2025): $98,493 · +3.3% YoY. Source: county tax records.