4743 Kingsbury St · Jacksonville, FL 32205

$160,000

3 bd · 1.0 ba · 1,028 sqft · SingleFamily public records · 95 Days on market

Built 1944 6,534 sqft lot Est $267k · 40% under

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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 +19.7/30.0
• ARV discount +15.0/15.0
• DSCR +6.2/10.0
• 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
• Appreciation +0.0/10.0

Listing remarks MLS

A charming fixer-upper in Murray Hill! Nestled on a quiet stretch of Kingsbury St just blocks from Edgewood Ave and Murray Hill park, this cozy home just needs a little TLC to truly shine! Enjoy an open covered front porch, traditional layout with spacious kitchen, dedicated laundry area, fenced yard, and more. Detached 440 SQFT garage with electrical hookups. Roof replaced 2017. Walking distance from shoppes and dining of Historic Murray Hill. Cash or hard money only. No blind or assignable offers. Seller may consider financing to qualified buyers. Contact listing agent for additional information. Property sold where-is as-is.

Key facts

• Shop space
• Kitchen cabinets
• New windows

Tags

• NEW WINDOWS
• KITCHEN CABINETS
• DETACHED GARAGE
• SHOP SPACE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $186 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $146k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.7% 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); 320 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); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 31% of the median local income ($65k/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 $1k of loan paydown is wiped out by about $5k 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 95 days — a 9% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask has dropped $70k (30%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1944 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,600 (9.0% below list)

Questions for the listing agent

1. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1944 — 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: 1.06% ✓
• Cap rate: 7.69%
• Cash-on-cash: 4.99%
• DSCR: 1.22
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $267,280
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4759 Post St	0.17mi	2/1.0 (-1)	1,050 (+2%)	2mo	$135,000	$129	82
4808 Polaris St	0.20mi	2/1.0 (-1)	1,000 (-3%)	1mo	$189,000	$189	80
4531 Attleboro St	0.28mi	2/1.0 (-1)	1,012 (-2%)	3mo	$285,000	$282	76
4809 Polaris St	0.23mi	2/1.0 (-1)	982 (-4%)	2mo	$280,000	$285	75
4545 French St	0.37mi	2/1.0 (-1)	1,067 (+4%)	3mo	$277,500	$260	69
1154 Scotten Rd	0.49mi	3/2.0	1,068 (+4%)	2mo	$224,900	$211	65
822 Talbot Ave	0.58mi	2/2.0 (-1)	1,048 (+2%)	2mo	$260,000	$248	59
4842 Louisa Ter	0.44mi	3/1.0	884 (-14%)	4mo	$122,500	$139	53
5319 Kingsbury St	0.61mi	3/1.0	910 (-12%)	0mo	$201,000	$221	52
1171 Scotten Rd	0.48mi	3/2.0	1,168 (+14%)	3mo	$320,000	$274	48
933 Talbot Ave	0.61mi	3/2.0	1,155 (+12%)	1mo	$320,000	$277	46
1297 Plymouth Pl	0.56mi	3/2.0	1,176 (+14%)	4mo	$318,000	$270	42

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 · 1.73% rent growth · sell at horizon

5-year hold

• IRR: -10.0%
• Equity multiple: 0.64×
• Total profit: $-16,138
• Equity at exit: $23,857

10-year hold

• IRR: -2.5%
• Equity multiple: 0.84×
• Total profit: $-7,091
• Equity at exit: $13,834

Cash invested: $44,800 (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 32205

• Rents YoY: 1.7%
• Active inventory: 320
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,691 high
• Mortgage (P&I): −$839
• Tax from tax record: −$244 /mo · $2,928/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $186

Break-even live

Break-even rent $1,455

Max offer price $160,000

Occupancy floor 84%

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4752 Post St Jacksonville, FL	2.0	1.0	936	$1,400	$1.50	23d	1	0.14mi
4651 Astral St Jacksonville, FL	3.0	1.0	1140	$2,000	$1.75	1d	1	0.16mi
4633 Kingsbury St Jacksonville, FL	3.0	1.0	1134	$1,695	$1.49	21d	1	0.16mi
4813 Post St Jacksonville, FL	2.0	1.0	930	$1,150	$1.24	14d	1	0.18mi
4620 Attleboro St Jacksonville, FL	3.0	2.0	1032	$2,195	$2.13	12d	1	0.18mi
4623 Hercules Ave Jacksonville, FL	2.0	1.0	1014	$1,221	$1.20	4d	1	0.20mi
4530 Astral St Jacksonville, FL	2.0	1.0	800	$1,925	$2.41	23d	1	0.30mi
979 Mikael Ave Jacksonville, FL	2.0	1.0	1002	$1,510	$1.51	23d	1	0.31mi
1216 Glen Laura Rd Jacksonville, FL	4.0	2.0	1324	$2,145	$1.62	4d	1	0.36mi
5067 French St Jacksonville, FL	3.0	1.0	1376	$1,450	$1.05	23d	1	0.40mi
5150 Kingsbury St Jacksonville, FL	2.0	1.0	1500	$1,195	$0.80	14d	1	0.40mi
4315 Antisdale St Jacksonville, FL	4.0	1.0	1100	$1,600	$1.45	23d	1	0.43mi
853 Mikael Ave Jacksonville, FL	3.0	2.0	1025	$1,600	$1.56	23d	1	0.45mi
5204 Astral St Jacksonville, FL	3.0	2.0	1337	$1,645	$1.23	21d	1	0.45mi
4718 Ramona Blvd Jacksonville, FL	3.0	1.0	1085	$1,595	$1.47	23d	1	0.51mi
1130 Comanche St Unit 402 Jacksonville, FL	2.0	1.0	763	$1,090	$1.43	23d	1	0.61mi
1374 Murray Dr Jacksonville, FL	3.0	2.0	1338	$1,950	$1.46	12d	1	0.69mi
628 Meteor St Jacksonville, FL	3.0	1.0	1123	$1,395	$1.24	23d	1	0.73mi
4006 College St Jacksonville, FL	3.0	2.5	1208	$2,200	$1.82	12d	1	0.78mi
4006 College St Jacksonville, FL	3.0	2.5	1200	$2,200	$1.83	23d	1	0.78mi
5120 Quan Dr Jacksonville, FL	3.0	1.0	1454	$1,250	$0.86	1d	1	0.81mi
5363 Poppy Dr Jacksonville, FL	3.0	1.0	1040	$1,445	$1.39	20d	1	0.85mi
3545 Cypress St Jacksonville, FL	2.0	1.0	800	$1,000	$1.25	23d	1	0.85mi
5351 Royce Ave Jacksonville, FL	3.0	1.0	1040	$1,600	$1.54	23d	1	0.88mi
1035 Congleton Ter Jacksonville, FL	3.0	2.0	1180	$2,400	$2.03	2d	1	0.89mi
1303 Mull St Jacksonville, FL	3.0	2.5	1409	$1,725	$1.22	23d	1	0.89mi
1284 Ingleside Ave Jacksonville, FL	2.0	1.0	1000	$1,400	$1.40	23d	1	0.89mi
5377 Royce Ave Jacksonville, FL	3.0	1.0	1040	$1,800	$1.73	17d	1	0.91mi
1335 Mull St Jacksonville, FL	3.0	2.5	1409	$1,725	$1.22	23d	1	0.93mi
1480 Stimson St Jacksonville, FL	3.0	1.0	1252	$1,445	$1.15	14d	1	0.94mi
5256 Clarendon Rd Jacksonville, FL	3.0	2.0	1278	$2,100	$1.64	23d	1	0.95mi
1328 Ingleside Ave Jacksonville, FL	2.0	2.0	1168	$2,000	$1.71	23d	1	0.96mi
3609 Dellwood Ave Jacksonville, FL	2.0	2.0	936	$1,495	$1.60	23d	1	0.99mi
3352 College St Jacksonville, FL	3.0	2.0	1335	$1,550	$1.16	14d	1	0.99mi
3307 Mayflower St #1 Jacksonville, FL	2.0	1.0	820	$1,125	$1.37	7d	1	1.02mi
5616 Atlee Ave Jacksonville, FL	3.0	1.0	800	$1,150	$1.44	23d	1	1.02mi
5614 Atlee Ave Jacksonville, FL	3.0	1.0	750	$1,350	$1.80	23d	1	1.02mi
1374 Lake Shore Blvd Jacksonville, FL	4.0	2.0	1456	$2,150	$1.48	7d	2	1.04mi
1379 Ingleside Ave Unit B Jacksonville, FL	2.0	1.0	900	$1,291	$1.43	14d	1	1.06mi
5405 Leaming Ave Jacksonville, FL	3.0	1.0	924	$1,199	$1.30	17d	1	1.07mi

Listing history 13 events

1. 2026-03-28
   status Pending
2. 2026-03-06
   status Active
3. 2026-01-27
   historical
4. 2026-01-13
   price $160,000
5. 2025-12-12
   status Active
6. 2025-10-07
   historical
7. 2025-09-15
   price $199,900
8. 2025-08-29
   listed $230,000 Active
9. 2024-04-11
   soldstatus $165,918 Closed 635-char remark

   Show marketing remark (635 chars)

   A charming fixer-upper in Murray Hill! Nestled on a quiet stretch of Kingsbury St just blocks from Edgewood Ave and Murray Hill park, this cozy home just needs a little TLC to truly shine! Enjoy an open covered front porch, traditional layout with spacious kitchen, dedicated laundry area, fenced yard, and more. Detached 440 SQFT garage with electrical hookups. Roof replaced 2017. Walking distance from shoppes and dining of Historic Murray Hill. Cash or hard money only. No blind or assignable offers. Seller may consider financing to qualified buyers. Contact listing agent for additional information. Property sold where-is as-is.

10. 2024-03-18
    historical Active Under Contract 635-char remark

    Show marketing remark (635 chars)

    A charming fixer-upper in Murray Hill! Nestled on a quiet stretch of Kingsbury St just blocks from Edgewood Ave and Murray Hill park, this cozy home just needs a little TLC to truly shine! Enjoy an open covered front porch, traditional layout with spacious kitchen, dedicated laundry area, fenced yard, and more. Detached 440 SQFT garage with electrical hookups. Roof replaced 2017. Walking distance from shoppes and dining of Historic Murray Hill. Cash or hard money only. No blind or assignable offers. Seller may consider financing to qualified buyers. Contact listing agent for additional information. Property sold where-is as-is.

11. 2024-02-27
    soldstatus $142,000
12. 2024-02-21
    listed $169,900 Active 635-char remark

    Show marketing remark (635 chars)

    A charming fixer-upper in Murray Hill! Nestled on a quiet stretch of Kingsbury St just blocks from Edgewood Ave and Murray Hill park, this cozy home just needs a little TLC to truly shine! Enjoy an open covered front porch, traditional layout with spacious kitchen, dedicated laundry area, fenced yard, and more. Detached 440 SQFT garage with electrical hookups. Roof replaced 2017. Walking distance from shoppes and dining of Historic Murray Hill. Cash or hard money only. No blind or assignable offers. Seller may consider financing to qualified buyers. Contact listing agent for additional information. Property sold where-is as-is.

13. 1989-07-01
    soldstatus $45,500

ⓘ 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: $2,928 · $244/mo
• Projected year-2 tax: $2,928 · $244/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 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 20 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: $20,295
• − Mortgage interest: −$8,962
• − Property taxes: −$2,928
• − Insurance: −$800
• − Repairs & maintenance: −$1,624
• − Management: −$1,624
• − Depreciation: −$4,655
• Taxable loss: −$297
• Est. tax savings @ 24.0%: +$71
• After-tax cash flow: $2,308/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): 29,148
• Household income: $64,789
• Rent vs Own: 45.2% rent · 54.8% own
• Severe rent burden: 1398.0

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 0.59)
• Race & ethnicity: White 59% Black 21% Hispanic / Latino 11% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 4% Cuban 1%
• Common ancestry: Slovak 3% Lithuanian 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Dominican Republic
• Languages at home: 88% English-only · Spanish 8% Vietnamese 1% French/Haitian/Cajun 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: ▼ -386.70%
• Current HPI: 310.4566
• Rent YoY: ▲ 1.73%
• 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

+251.6% since first listed

13 events — show timeline

• 2026-03-28 Pending — realMLS
• 2026-03-06 Relisted — realMLS
• 2026-01-27 Listing Removed — realMLS
• 2026-01-13 Price Changed $160,000 realMLS
• 2025-12-12 Relisted — realMLS
• 2025-10-07 Listing Removed — realMLS
• 2025-09-15 Price Changed $199,900 realMLS
• 2025-08-29 Listed $230,000 realMLS
• 2024-04-11 Sold (MLS) $165,918 realMLS
• 2024-03-18 Contingent — realMLS
• 2024-02-27 Sold (Public Records) $142,000 Public Records
• 2024-02-21 Listed $169,900 realMLS
• 1989-07-01 Sold (Public Records) $45,500 Public Records

Property tax history

+14.0%/yr

Latest (2025): $2,928 · +348.2% YoY. Source: county tax records.