1340 Carvill Ave · Jacksonville, FL 32208

$110,000

3 bd · 1.0 ba · 888 sqft · SingleFamily public records · 219 Days on market

Built 1947 0.60 ac lot Est $102k · 8% over

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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 +23.6/30.0
• DSCR +7.6/10.0
• 1% rule +6.4/10.0
• Livability +4.2/5.0
• ARV discount +4.0/15.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NICE 3-BEDROOM, 1-BATH CB STUCCO HOME WITH DETACHED GARAGE. JUST NEEDS 'TLC'.' SELLER ACQUIRED PROPERTY THROUGH FORECLOSURE. SELLER & AGENT MAKE NO REPRESENTATIONS OR WARRANTIES, UNAWARE OF ANY DEFECTS OR LEAD BASED PAINTS. BEING SOLD ''AS IS''. ALL INFO TO BE VERIFIED BY BUYER. PROOF OF FUNDS OR PRE-APPROVAL LETTER IS REQUIRED BY SELLER.

Key facts

• Multiple sheds
• No hoa restrictions
• Wood cabinetry

Tags

• 0.60 ACRE LOT
• ORIGINAL HARDWOOD FLOORS
• WOOD CABINETRY
• DETACHED GARAGE
• MULTIPLE SHEDS
• NO HOA RESTRICTIONS

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: 1-car garage; Other parking
• Utilities: Other utilities
• Home design: Single-family residence; 0.6-acre lot
• Exterior features: Other structures on the property; Currently used for other purposes

Interior

• Kitchen: Other appliances
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Has cooling (other type)
• Interior features: Other interior features

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $207 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.5% 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+.
• 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.
• Zoned schools: Northwestern Legends Elementary (math 21% / reading 14%, grade F, #2,117 of 2,144 statewide, top 99%, 528 students, 88% FRL); Joseph Stilwell Middle School (math 31% / reading 33%, grade F, #448 of 571 statewide, top 79%, 612 students, 68% FRL); Jean Ribault High School (math 22% / reading 25%, grade F, #533 of 667 statewide, top 80%, 1,385 students, 71% FRL) — zoned schools average 76% FRL vs 49% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 24% at this address vs 46% district-wide (-21 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-1.4%/yr); 296 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 20d 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

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k 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.

Negotiation context

• It's been on market 219 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 22y ago; this cycle's ask has dropped $50k (31%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $45k; list at $110k implies a 145% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1947 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 219 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1947 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.14% ✓
• Cap rate: 8.55%
• Cash-on-cash: 8.06%
• DSCR: 1.36
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $102,120
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7069 Alan Ave	0.11mi	3/1.0	872 (-2%)	8mo	$129,900	$149	85
753 Fernway St	0.51mi	3/1.0	929 (+5%)	1mo	$110,000	$118	68
7400 Fernandina Ave	0.42mi	2/1.0 (-1)	933 (+5%)	1mo	$28,000	$30	66
7447 Oriole St	0.49mi	3/1.5	912 (+3%)	8mo	$71,250	$78	64
831 Ashford St	0.40mi	2/2.0 (-1)	912 (+3%)	8mo	$40,000	$44	62
950 Ashton St	0.33mi	3/1.0	1,000 (+13%)	4mo	$142,500	$143	60
5752 Oprey St	0.64mi	3/2.0	912 (+3%)	6mo	$110,000	$121	57
5298 Golfbrook Dr	0.64mi	2/1.0 (-1)	875 (-2%)	8mo	$116,500	$133	56
733 Escambia St	0.68mi	3/1.0	975 (+10%)	0mo	$90,000	$92	52
719 Escambia St	0.69mi	3/1.0	912 (+3%)	19mo	$105,000	$115	47
816 Ashford St	0.43mi	3/2.0	1,007 (+13%)	10mo	$116,000	$115	45
844 Crestwood St	0.60mi	2/1.0 (-1)	792 (-11%)	6mo	$75,000	$95	44

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -7.5%
• Equity multiple: 0.73×
• Total profit: $-8,293
• Equity at exit: $16,401

10-year hold

• IRR: -2.4%
• Equity multiple: 0.86×
• Total profit: $-4,319
• Equity at exit: $9,511

Cash invested: $30,800 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 296
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,253 high
• Mortgage (P&I): −$577
• Tax from tax record: −$161 /mo · $1,926/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $207

Break-even live

Break-even rent $991

Max offer price $110,000

Occupancy floor 78%

Sensitivity live

Price	-10% $269	-5% $238	+0% $207	+5% $176	+10% $145
Rent	-10% $108	-5% $157	+0% $207	+5% $256	+10% $306
Rate	-1.0pp $262	-0.5pp $235	base $207	+0.5pp $178	+1.0pp $149

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
961 Dorchester St Jacksonville, FL	2.0	1.0	884	$1,025	$1.16	5d	1	0.23mi
1059 Glencarin St Jacksonville, FL	2.0	1.0	645	$897	$1.39	7d	1	0.26mi
1136 Maynard St Jacksonville, FL	2.0	1.0	919	$1,045	$1.14	26d	1	0.36mi
810 Laurel St Jacksonville, FL	3.0	1.0	962	$1,295	$1.35	0d	1	0.40mi
1536 W 45th St Jacksonville, FL	2.0	1.0	800	$1,050	$1.31	26d	1	0.55mi
1567 Rutledge Ave Jacksonville, FL	3.0	2.0	1050	$1,113	$1.06	26d	1	0.58mi
5736 Teeler Ave Jacksonville, FL	3.0	1.0	852	$1,000	$1.17	26d	1	0.75mi
7210 Elwood Ave Jacksonville, FL	2.0	1.0	831	$995	$1.20	24d	1	0.76mi
535 W 59th St Jacksonville, FL	3.0	2.0	816	$1,395	$1.71	10d	1	0.81mi
5514 Long St Jacksonville, FL	2.0	1.0	941	$1,250	$1.33	4d	1	0.84mi
5616 Calvin Ave Jacksonville, FL	3.0	1.0	1008	$1,195	$1.19	10d	1	0.85mi
4813 Moncrief Rd Jacksonville, FL	2.0–3.0	1.0	755	$917	$1.21	0d	8	0.85mi
7124 Lorain St Jacksonville, FL	3.0	1.0	864	$1,043	$1.21	5d	1	0.87mi
6460 Lanark Ave Jacksonville, FL	2.0	1.0	708	$1,095	$1.55	26d	1	0.88mi
7511 N Shore Dr Jacksonville, FL	2.0	1.0	1014	$1,350	$1.33	7d	1	0.88mi
7927 Reid Ave Jacksonville, FL	3.0	1.0	1055	$1,500	$1.42	26d	1	0.89mi
485 W 58th St Jacksonville, FL	3.0	2.0	986	$1,181	$1.20	0d	1	0.91mi
385 Duray Ct Jacksonville, FL	3.0	1.0	932	$1,250	$1.34	22d	1	0.94mi
562 W 49th St Jacksonville, FL	3.0	1.0	1091	$1,195	$1.10	26d	1	0.96mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	16d	1	0.98mi
5352 Dodge Rd Jacksonville, FL	3.0	2.0	1050	$1,261	$1.20	26d	1	0.99mi
5350 Dodge Rd Jacksonville, FL	3.0	1.0	1000	$1,500	$1.50	26d	1	1.00mi
1803 W 44th St Unit 1803 Jacksonville, FL	2.0	1.0	750	$950	$1.27	10d	1	1.01mi
1823 W 44th St Jacksonville, FL	3.0	2.0	1066	$1,500	$1.41	26d	1	1.02mi
4721 E Castlewood Dr Jacksonville, FL	3.0	1.0	1008	$1,250	$1.24	26d	1	1.04mi
425 W 47th St Jacksonville, FL	3.0	1.5	1083	$1,193	$1.10	10d	1	1.05mi
1653 W 35th St Jacksonville, FL	2.0	1.0	800	$825	$1.03	26d	1	1.09mi
319 W 49th St Jacksonville, FL	2.0	1.0	977	$1,200	$1.23	26d	1	1.09mi
1551 W 33rd St #2 Jacksonville, FL	2.0	1.0	842	$795	$0.94	23d	1	1.11mi
1417 W 31st St Jacksonville, FL	3.0	1.0	880	$1,100	$1.25	4d	1	1.13mi
4114 Moncrief Rd Jacksonville, FL	2.0	1.0	821	$975	$1.19	10d	1	1.14mi
4114 Moncrief Rd Unit 2 Jacksonville, FL	2.0	1.0	821	$1,050	$1.28	26d	1	1.14mi
1316 W 31st St Jacksonville, FL	2.0	1.0	906	$998	$1.10	26d	1	1.14mi
1959 W 45th St Jacksonville, FL	2.0	1.0	895	$1,245	$1.39	16d	1	1.15mi
346 W 68th St Jacksonville, FL	3.0	1.0	1114	$1,305	$1.17	0d	1	1.17mi
1196 W 30th St Jacksonville, FL	2.0	1.0	875	$880	$1.01	20d	1	1.19mi
1544 Breton Rd Jacksonville, FL	3.0	1.0	918	$1,255	$1.37	0d	1	1.20mi
411 W 41st St Jacksonville, FL	3.0	1.0	1100	$1,195	$1.09	0d	1	1.21mi
917 W 30th St Jacksonville, FL	2.0	1.0	672	$1,200	$1.79	20d	1	1.23mi
666 Basswood St Jacksonville, FL	3.0	1.0	1002	$1,400	$1.40	26d	1	1.23mi

Listing history 25 events

1. 2026-06-22
   days on market $110,000 Active 219 DOM
2. 2026-06-21
   days on market $110,000 Active 218 DOM
3. 2026-06-18
   days on market $110,000 Active 215 DOM
4. 2026-06-17
   days on market $110,000 Active 214 DOM
5. 2026-06-16
   days on market $110,000 Active 213 DOM
6. 2026-06-15
   days on market $110,000 Active 212 DOM
7. 2026-06-10
   days on market $110,000 Active 206 DOM
8. 2026-06-08
   days on market $110,000 Active 205 DOM
9. 2026-06-08
   days on market $110,000 Active 204 DOM
10. 2026-06-03
    days on market $110,000 Active 200 DOM
11. 2026-06-02
    days on market $110,000 Active 199 DOM
12. 2026-06-01
    days on market $110,000 Active 198 DOM
13. 2026-05-31
    days on market $110,000 Active 197 DOM
14. 2026-02-21
    price $110,000
15. 2026-01-20
    price $130,000
16. 2025-11-15
    listed $160,000 Active
17. 2008-04-19
    historical 344-char remark

    Show marketing remark (344 chars)

    NICE 3-BEDROOM, 1-BATH CB STUCCO HOME WITH DETACHED GARAGE. JUST NEEDS 'TLC'.' SELLER ACQUIRED PROPERTY THROUGH FORECLOSURE. SELLER & AGENT MAKE NO REPRESENTATIONS OR WARRANTIES, UNAWARE OF ANY DEFECTS OR LEAD BASED PAINTS. BEING SOLD ''AS IS''. ALL INFO TO BE VERIFIED BY BUYER. PROOF OF FUNDS OR PRE-APPROVAL LETTER IS REQUIRED BY SELLER.

18. 2008-01-24
    soldstatus $44,900 344-char remark

    Show marketing remark (344 chars)

    NICE 3-BEDROOM, 1-BATH CB STUCCO HOME WITH DETACHED GARAGE. JUST NEEDS 'TLC'.' SELLER ACQUIRED PROPERTY THROUGH FORECLOSURE. SELLER & AGENT MAKE NO REPRESENTATIONS OR WARRANTIES, UNAWARE OF ANY DEFECTS OR LEAD BASED PAINTS. BEING SOLD ''AS IS''. ALL INFO TO BE VERIFIED BY BUYER. PROOF OF FUNDS OR PRE-APPROVAL LETTER IS REQUIRED BY SELLER.

19. 2007-05-31
    listed $44,900 344-char remark

    Show marketing remark (344 chars)

    NICE 3-BEDROOM, 1-BATH CB STUCCO HOME WITH DETACHED GARAGE. JUST NEEDS 'TLC'.' SELLER ACQUIRED PROPERTY THROUGH FORECLOSURE. SELLER & AGENT MAKE NO REPRESENTATIONS OR WARRANTIES, UNAWARE OF ANY DEFECTS OR LEAD BASED PAINTS. BEING SOLD ''AS IS''. ALL INFO TO BE VERIFIED BY BUYER. PROOF OF FUNDS OR PRE-APPROVAL LETTER IS REQUIRED BY SELLER.

20. 2005-06-02
    soldstatus $75,000
21. 2005-05-20
    soldstatus $75,000 233-char remark

    Show marketing remark (233 chars)

    Nice 3-bedroom, 1-bath home that has been recently Rehabed. New interior/exterior paint, floor coverings, kitchen & bathroom fixtures, light fixtures and new roof. Deep lot that goes down to the creek. 1-Car Garage with Workshop.

22. 2005-01-23
    listed $80,900 233-char remark

    Show marketing remark (233 chars)

    Nice 3-bedroom, 1-bath home that has been recently Rehabed. New interior/exterior paint, floor coverings, kitchen & bathroom fixtures, light fixtures and new roof. Deep lot that goes down to the creek. 1-Car Garage with Workshop.

23. 2004-10-08
    soldstatus $45,000
24. 2004-08-20
    listed $47,500
25. 1996-01-30
    soldstatus $10,000

ⓘ 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: $1,926 · $161/mo
• Projected year-2 tax: $1,926 · $161/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 4/10 Moderate FEMA zone X (unshaded) · 21% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 6 d/yr ≥107°F today · 17 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,038
• − Mortgage interest: −$6,162
• − Property taxes: −$1,926
• − Insurance: −$550
• − Repairs & maintenance: −$1,203
• − Management: −$1,203
• − Depreciation: −$3,200
• Taxable income: $794
• Est. tax owed @ 24.0%: −$191
• After-tax cash flow: $2,291/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): 32,699
• Household income: $41,324
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1765.0

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: Predominantly Black (77%)
• Race & ethnicity: Black 77% White 16% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 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: ▼ -110.56%
• Current HPI: 217.9706
• Rent YoY: ▼ -1.36%
• 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

+1000.0% since first listed

12 events — show timeline

• 2026-02-21 Price Changed $110,000 realMLS
• 2026-01-20 Price Changed $130,000 realMLS
• 2025-11-15 Listed $160,000 realMLS
• 2008-04-19 Listing Removed — realMLS
• 2008-01-24 Sold (MLS) $44,900 realMLS
• 2007-05-31 Listed $44,900 realMLS
• 2005-06-02 Sold (Public Records) $75,000 Public Records
• 2005-05-20 Sold (MLS) $75,000 realMLS
• 2005-01-23 Listed $80,900 realMLS
• 2004-10-08 Sold (Public Records) $45,000 Public Records
• 2004-08-20 Listed $47,500 realMLS
• 1996-01-30 Sold (Public Records) $10,000 Public Records

Property tax history

+7.2%/yr

Latest (2025): $1,926 · +21.0% YoY. Source: county tax records.