76754 Timbercreek Blvd · Jacksonville, FL 32097

$335,000

4 bd · 2.0 ba · 1,978 sqft · SingleFamily public records · 129 Days on market

Built 2013 6,534 sqft lot Est $384k · 13% under $45/mo HOA · 2% of rent

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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).

• ARV discount +13.2/15.0
• Appreciation +10.0/10.0
• Cash flow +8.8/30.0
• Schools +6.0/10.0
• Livability +4.2/5.0
• Rent growth +3.2/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0

Listing remarks MLS

Welcome to 76754 Timbercreek Blvd — a fantastic opportunity to own a 4-bedroom, 2-bath home in sought-after Nassau County with LOW HOA fees and NO CDD fees! This spacious and functional floor plan offers comfortable living with room to grow, work from home, or entertain. The seller is offering a $5,000 flooring credit, giving you the flexibility to update and personalize the space to match your style. Located in a desirable community with access to amenities including a clubhouse, community pool, soccer field, and basketball court, this home offers the lifestyle Nassau County buyers are looking for. Zoned for A-rated Nassau County schools and just a short drive to Amelia Island beaches, shopping, dining, and Kings Bay Naval Base, the location is hard to beat. Enjoy the combination of affordability, community amenities, and proximity to the coast. Don’t miss your chance to make this Nassau County home yours!

Key facts

• Community pool
• Soccer field
• A-rated schools

Tags

• COMMUNITY POOL
• SOCCER FIELD
• BASKETBALL COURT
• A-RATED SCHOOLS
• AMELIA ISLAND BEACHES
• KINGS BAY NAVAL BASE

Property features AI

Finance

• HOA & community: Community association with a semi-annual fee of $270; Community amenities include a basketball court, clubhouse, and playground

Exterior

• Parking: Attached 2-car garage with garage door opener
• Utilities: Public sewer; Water connected; Sewer connected; Electricity connected; Cable available
• Home design: Single family residence; One level
• Exterior features: Community pool (not private); Lot approximately 0.15 acres

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Carpet and tile flooring; Central heating and central air
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $-276 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $286k (14.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $256k (23.4% below list).
• Recommended offer: $256k (23.4% below list) — sets the bar for 1% rule.
• Cap rate 5.3% 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+.
• Nassau (town): math 74% / reading 65% proficiency, ranked #4 of 73 in FL (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+2.9%/yr); 601 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 953 units permitted in Nassau County in 2024 (24 in 5+ unit buildings).
• This rent runs 33% of the median local income ($93k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $36k of equity ($2k loan paydown + $34k appreciation (10.0% local appreciation)).
• Nassau County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$58k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 129 days — a 12% lower offer ($295k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 13y 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.
• Current owner paid $212k; list at $335k implies a 58% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $256,457 (23.4% below list)

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. It's been on market 129 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.77% ✗
• Cap rate: 5.30%
• Cash-on-cash: -3.54%
• DSCR: 0.84
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $383,732
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
70414 Winding River Dr	0.32mi	4/3.0	2,036 (+3%)	3mo	$387,000	$190	74
65656 Edgewater Dr	0.23mi	4/2.0	1,812 (-8%)	3mo	$374,900	$207	73
65554 Bowfin Spring Ct	0.40mi	4/3.0	2,043 (+3%)	2mo	$400,000	$196	70
79179 Plummers Creek Dr	0.73mi	4/2.0	1,956 (-1%)	0mo	$420,000	$215	64
75394 Bridgewater Dr	0.46mi	4/2.0	2,129 (+8%)	5mo	$355,000	$167	62
65138 Forest Glen Ln	0.72mi	4/2.0	1,856 (-6%)	2mo	$330,000	$178	55
83399 Purple Martin Dr	0.73mi	3/2.0 (-1)	1,923 (-3%)	2mo	$405,000	$211	55
70013 Misty Lake Ct	0.49mi	4/2.0	1,705 (-14%)	2mo	$329,000	$193	53
65506 River Glen Pkwy	0.63mi	4/2.0	2,160 (+9%)	3mo	$400,000	$185	53
65062 Mossy Creek Ln	0.67mi	3/2.0 (-1)	1,874 (-5%)	3mo	$299,000	$160	52
65394 River Glen Pkwy	0.47mi	3/2.0 (-1)	1,711 (-14%)	1mo	$348,000	$203	50
65114 Forest Glen Ln	0.73mi	3/2.0 (-1)	1,711 (-14%)	2mo	$332,000	$194	36

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

Projected returns pro-forma

10.0% appreciation · 2.88% rent growth · sell at horizon

5-year hold

• IRR: 21.7%
• Equity multiple: 2.75×
• Total profit: $164,571
• Equity at exit: $301,795

10-year hold

• IRR: 19.6%
• Equity multiple: 6.31×
• Total profit: $497,912
• Equity at exit: $650,831

Cash invested: $93,800 (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 32097

• Home prices YoY: 19.5%
• Rents YoY: 2.9%
• Active inventory: 601
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,565 high
• Mortgage (P&I): −$1,757
• Tax from tax record: −$361 /mo · $4,332/yr
• Insurance: −$140
• HOA: −$45
• Vacancy / Maint / Mgmt: −$539
• Net cashflow: $-276

Break-even live

Break-even rent $2,914

Max offer price $286,182

Occupancy floor —

Sensitivity live

Price	-10% $-87	-5% $-182	+0% $-276	+5% $-371	+10% $-466
Rent	-10% $-479	-5% $-378	+0% $-276	+5% $-175	+10% $-74
Rate	-1.0pp $-108	-0.5pp $-191	base $-276	+0.5pp $-363	+1.0pp $-451

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: $83,750
• Closing costs: $10,050
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
75075 Morning Glen Ct Yulee, FL	4.0	2.0	1856	$2,399	$1.29	5d	1	0.19mi
75045 Morning Glen Ct Yulee, FL	3.0	2.0	1685	$2,310	$1.37	21d	1	0.25mi
70305 Winding River Dr Yulee, FL	4.0	3.0	2042	$2,500	$1.22	24d	1	0.28mi
75008 Morning Glen Ct Yulee, FL	4.0	2.0	1856	$2,300	$1.24	24d	1	0.31mi
65303 River Glen Pkwy Yulee, FL	4.0	2.0	2160	$2,400	$1.11	24d	1	0.38mi
65343 River Glen Pkwy Yulee, FL	3.0	2.0	1714	$2,195	$1.28	24d	1	0.41mi
75346 Bridgewater Dr Yulee, FL	3.0	2.0	1711	$2,300	$1.34	24d	1	0.43mi
75094 Glenspring Way Yulee, FL	3.0	2.0	2055	$2,500	$1.22	24d	1	0.43mi
75094 Fern Creek Dr Yulee, FL	4.0	2.0	2193	$2,495	$1.14	3d	1	0.59mi
65013 Lagoon Forest Dr Yulee, FL	4.0	2.5	2245	$2,800	$1.25	11d	1	0.68mi
74700 Mills Preserve Cir Yulee, FL	1.0–3.0	1.0–2.0	1127	$2,025	$1.80	24d	1	1.11mi

HOA detail

• Monthly dues: $45 · $540/yr
• Likely covers: pool

Listing history 37 events

1. 2026-06-21
   days on market $335,000 Active 129 DOM
2. 2026-06-18
   days on market $335,000 Active 126 DOM
3. 2026-06-17
   days on market $335,000 Active 125 DOM
4. 2026-06-16
   days on market $335,000 Active 124 DOM
5. 2026-06-15
   days on market $335,000 Active 123 DOM
6. 2026-06-13
   days on market $335,000 Active 121 DOM
7. 2026-06-13
   days on market $335,000 Active 120 DOM
8. 2026-06-09
   days on market $335,000 Active 117 DOM
9. 2026-06-08
   days on market $335,000 Active 116 DOM
10. 2026-06-07
    days on market $335,000 Active 115 DOM
11. 2026-06-05
    days on market $335,000 Active 112 DOM
12. 2026-06-03
    days on market $335,000 Active 111 DOM
13. 2026-06-02
    days on market $335,000 Active 110 DOM
14. 2026-06-01
    days on market $335,000 Active 109 DOM
15. 2026-05-31
    days on market $335,000 Active 108 DOM
16. 2026-02-12
    listed $335,000 Active 932-char remark

    Show marketing remark (932 chars)

    Welcome to 76754 Timbercreek Blvd — a fantastic opportunity to own a 4-bedroom, 2-bath home in sought-after Nassau County with LOW HOA fees and NO CDD fees! This spacious and functional floor plan offers comfortable living with room to grow, work from home, or entertain. The seller is offering a $5,000 flooring credit, giving you the flexibility to update and personalize the space to match your style. Located in a desirable community with access to amenities including a clubhouse, community pool, soccer field, and basketball court, this home offers the lifestyle Nassau County buyers are looking for. Zoned for A-rated Nassau County schools and just a short drive to Amelia Island beaches, shopping, dining, and Kings Bay Naval Base, the location is hard to beat. Enjoy the combination of affordability, community amenities, and proximity to the coast. Don’t miss your chance to make this Nassau County home yours!

17. 2026-02-05
    listed $335,000 Active
18. 2024-01-13
    historical $1,995
19. 2023-12-13
    listed $1,995
20. 2023-12-08
    historical $2,095
21. 2023-11-14
    price $2,095
22. 2023-10-30
    historical 548-char remark

    Show marketing remark (548 chars)

    5k Seller concession towards buyers closing cost or rate buy down! The seller also just installed a brand-new water softer! Clean spacious 4-bedroom 2 bath home has an open floor plan, split bedroom design and a large kitchen with lots of counter space and cabinets. Master bath has garden tub and stand-up shower with double sinks. This Home is located Just off 95 making it easy access to Jacksonville and Fernandina Beach Amenities include, community pool, club house, playground, soccer field and basketball court! Schedule your showings today!

23. 2023-10-29
    listed $2,195
24. 2023-09-22
    price $360,000 548-char remark

    Show marketing remark (548 chars)

    5k Seller concession towards buyers closing cost or rate buy down! The seller also just installed a brand-new water softer! Clean spacious 4-bedroom 2 bath home has an open floor plan, split bedroom design and a large kitchen with lots of counter space and cabinets. Master bath has garden tub and stand-up shower with double sinks. This Home is located Just off 95 making it easy access to Jacksonville and Fernandina Beach Amenities include, community pool, club house, playground, soccer field and basketball court! Schedule your showings today!

25. 2023-09-11
    price $365,000 548-char remark

    Show marketing remark (548 chars)

    5k Seller concession towards buyers closing cost or rate buy down! The seller also just installed a brand-new water softer! Clean spacious 4-bedroom 2 bath home has an open floor plan, split bedroom design and a large kitchen with lots of counter space and cabinets. Master bath has garden tub and stand-up shower with double sinks. This Home is located Just off 95 making it easy access to Jacksonville and Fernandina Beach Amenities include, community pool, club house, playground, soccer field and basketball court! Schedule your showings today!

26. 2023-08-31
    listed $380,000 Active 548-char remark

    Show marketing remark (548 chars)

    5k Seller concession towards buyers closing cost or rate buy down! The seller also just installed a brand-new water softer! Clean spacious 4-bedroom 2 bath home has an open floor plan, split bedroom design and a large kitchen with lots of counter space and cabinets. Master bath has garden tub and stand-up shower with double sinks. This Home is located Just off 95 making it easy access to Jacksonville and Fernandina Beach Amenities include, community pool, club house, playground, soccer field and basketball court! Schedule your showings today!

27. 2019-08-01
    soldstatus $212,000
28. 2019-07-29
    soldstatus $212,000
29. 2019-07-29
    soldstatus $212,000
30. 2019-05-18
    listed $220,000
31. 2019-05-18
    listed $220,000
32. 2015-09-01
    historical
33. 2015-04-13
    listed $189,900
34. 2015-04-13
    listed $189,900
35. 2013-10-29
    soldstatus $175,500
36. 2013-07-25
    listed $177,990
37. 2011-04-01
    soldstatus $1,920,000

ⓘ 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: $4,332 · $361/mo
• Projected year-2 tax: $4,332 · $361/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 8 unhealthy d/yr today · 10 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,775
• − Mortgage interest: −$18,765
• − Property taxes: −$4,332
• − Insurance: −$1,675
• − Repairs & maintenance: −$2,462
• − Management: −$2,462
• − HOA: −$540
• − Depreciation: −$9,745
• Taxable loss: −$9,207
• Est. tax savings @ 24.0%: +$2,210
• After-tax cash flow: $-1,107/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: Nassau
• NCES district ID: 1201350
• Math proficiency: 74% ▼ -2.00%
• Reading proficiency: 65% ▼ -2.00%
• Median HH income: $58,267
• Composite: 59.79/100
• National rank: #899
• State rank: #4 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: Nassau County · 67,729 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 26,700
• Household income: $93,161
• Rent vs Own: 19.8% rent · 80.2% own
• Severe rent burden: 404.0

Population outlook (Nassau County) Hauer SSP2

• Today (2025): 88,419 people
• By 2030: 92,679 · +4.8%
• By 2040: 99,257 · +12.3%
• By 2050: 103,378 · +16.9%
• By 2075: 109,726 · +24.1%
• By 2100: 107,006 · +21.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Two or more races 9% Black 9% Hispanic / Latino 8% Asian 1% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Lithuanian 4% Italian 3% Romanian 2%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 93% English-only · Spanish 5% Vietnamese 1%

Political lean MEDSL · Nassau

• 2024 margin: Solid R (+46.9) · D 26.1% · R 73.1%
• 2008→2024 swing: -3.1pp toward R · 2008: -43.8pp · 2024: -46.9pp
• All cycles: 2024: R+46.9 2020: R+45.9 2016: R+50.2 2012: R+48.6 2008: R+43.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 49.35%
• Current HPI: 301.9299
• Rent YoY: ▲ 2.88%
• 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

-82.6% since first listed

22 events — show timeline

• 2026-02-12 Listed $335,000 AINCAR
• 2026-02-05 Listed $335,000 realMLS
• 2024-01-13 Rental Removed $1,995 APPFOLIO
• 2023-12-13 Listed for Rent $1,995 APPFOLIO
• 2023-12-08 Rental Removed $2,095 APPFOLIO
• 2023-11-14 Price Changed $2,095 APPFOLIO
• 2023-10-30 Listing Removed — realMLS
• 2023-10-29 Listed for Rent $2,195 APPFOLIO
• 2023-09-22 Price Changed $360,000 realMLS
• 2023-09-11 Price Changed $365,000 realMLS
• 2023-08-31 Listed $380,000 realMLS
• 2019-08-01 Sold (Public Records) $212,000 Public Records
• 2019-07-29 Sold (MLS) $212,000 realMLS
• 2019-07-29 Sold (MLS) $212,000 AINCAR
• 2019-05-18 Listed $220,000 realMLS
• 2019-05-18 Listed $220,000 AINCAR
• 2015-09-01 Listing Removed — realMLS
• 2015-04-13 Listed $189,900 realMLS
• 2015-04-13 Listed $189,900 AINCAR
• 2013-10-29 Sold (MLS) $175,500 realMLS
• 2013-07-25 Listed $177,990 realMLS
• 2011-04-01 Sold (Public Records) $1,920,000 Public Records

Property tax history

+6.8%/yr

Latest (2025): $4,332 · +5.4% YoY. Source: county tax records.