2536 Lowell Ave · Jacksonville, FL 32254

$105,000

2 bd · 1.0 ba · 888 sqft · SingleFamily public records · 29 Days on market

Built 1938 6,098 sqft lot Est $82k · 29% over ↓ 33% since listing

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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 +25.2/30.0
• DSCR +8.3/10.0
• Appreciation +6.7/10.0
• 1% rule +6.3/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

Key facts

• 6,098 sq ft lot
• Garage
• Built 1938

Property features AI

Finance

• Other: Current use: Residential (Single Family)
• HOA & community: Not a senior community

Exterior

• Parking: Garage plus on-street parking; 1 garage space
• Utilities: Electricity connected; Public sewer connected; Public water connected
• Home design: Single-family residence; Entry level: 1
• Exterior features: North-facing property; Lot roughly 0.14 acres

Interior

• Kitchen: Convection oven; Refrigerator
• Bedrooms: 3 bedrooms (all on the main level)
• Flooring: Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central electric air conditioning
• Interior features: Three total rooms; Vinyl flooring throughout main-level rooms
• Laundry & utility: Unfurnished (no laundry appliances specified)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $236 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $103k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.0% 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 17d 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).
• This rent runs 41% of the median local income ($35k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $4k of equity ($726 loan paydown + $4k 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 $29k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($103k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y 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.

Risks & watch-outs

• Watch-outs: built in 1938 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $103,425 (1.5% below list)

Questions for the listing agent

1. Built in 1938 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.13% ✓
• Cap rate: 8.99%
• Cash-on-cash: 9.62%
• DSCR: 1.43
• GRM: 7.4

CMA / ARV

• ARV (on-the-fly): $81,696
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
760 Westbrook Rd	0.26mi	2/1.0	898 (+1%)	2mo	$101,150	$113	84
1023 Ontario St	0.38mi	2/1.0	840 (-5%)	2mo	$33,000	$39	72
2108 Yulee St	0.61mi	3/1.0 (+1)	873 (-2%)	0mo	$117,000	$134	63
1073 Huron St	0.55mi	3/1.0 (+1)	916 (+3%)	3mo	$77,000	$84	62
751 Dixon St	0.66mi	2/1.0	923 (+4%)	2mo	$114,000	$124	60
3140 Thomas St	0.58mi	3/1.0 (+1)	928 (+4%)	3mo	$60,000	$65	58
2081 Baldwin St	0.65mi	3/1.0 (+1)	915 (+3%)	2mo	$47,000	$51	58
2202 W 1st St	0.53mi	3/1.0 (+1)	988 (+11%)	2mo	$56,900	$58	50
3222 Warrington St	0.57mi	2/1.0	758 (-15%)	2mo	$69,900	$92	47
750 St Clair St	0.64mi	2/1.0	761 (-14%)	2mo	$77,500	$102	44
2067 Woodside St	0.67mi	3/1.0 (+1)	1,013 (+14%)	1mo	$34,900	$34	40
3248 Dignan St	0.74mi	2/1.0	759 (-14%)	3mo	$80,000	$105	39

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: 16.7%
• Equity multiple: 1.97×
• Total profit: $28,435
• Equity at exit: $49,672

10-year hold

• IRR: 17.3%
• Equity multiple: 3.56×
• Total profit: $75,392
• Equity at exit: $78,520

Cash invested: $29,400 (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: 7.4×

Monthly cashflow live

• Estimated rent: $1,190 high
• Mortgage (P&I): −$551
• Tax from tax record: −$110 /mo · $1,317/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $236

Break-even live

Break-even rent $891

Max offer price $105,000

Occupancy floor 75%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2587 Orchard St Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	7d	1	0.14mi
841 Ontario St Jacksonville, FL	2.0	1.0	1000	$1,285	$1.28	23d	1	0.34mi
2325 Westbrook Cir N Jacksonville, FL	3.0	2.0	812	$1,200	$1.48	23d	1	0.37mi
912 Huron St Jacksonville, FL	2.0	1.0	900	$1,100	$1.22	14d	1	0.50mi
1213 Moat St Jacksonville, FL	2.0	2.5	1022	$1,283	$1.26	17d	1	0.53mi
3035 Fitzgerald St Jacksonville, FL	2.0	1.0	900	$1,021	$1.13	3d	1	0.54mi
2128 Woodside St Jacksonville, FL	2.0	1.0	776	$895	$1.15	23d	1	0.56mi
2851 Sophia St Jacksonville, FL	2.0	1.0	846	$1,000	$1.18	23d	3	0.67mi
1085 Saint Clair St Jacksonville, FL	1.0	1.0	600	$795	$1.32	23d	1	0.70mi
2852 W 1st St Jacksonville, FL	2.0	1.0	800	$895	$1.12	7d	1	0.71mi
2862 W 1st St Unit 1 Jacksonville, FL	2.0	1.0	800	$895	$1.12	14d	1	0.73mi
2862 W 1st St Jacksonville, FL	2.0	1.0	800	$895	$1.12	4d	1	0.73mi
3318 Dignan St Jacksonville, FL	3.0	2.0	960	$1,200	$1.25	23d	1	0.75mi
3012 Imperial St Jacksonville, FL	3.0	1.0	1089	$1,395	$1.28	23d	1	0.76mi
1037 Detroit St Jacksonville, FL	3.0	2.0	912	$1,250	$1.37	1d	1	0.77mi
1979 Yulee St Jacksonville, FL	3.0	2.0	1050	$1,500	$1.43	23d	1	0.77mi
3323 Nolan St Jacksonville, FL	3.0	1.0	927	$1,050	$1.13	1d	1	0.78mi
2913 W 2nd St Jacksonville, FL	2.0	1.0	720	$1,000	$1.39	1d	1	0.80mi
3515 Dignan St Jacksonville, FL	3.0	1.0	915	$1,036	$1.13	3d	1	0.80mi
420 Sunshine St Jacksonville, FL	3.0	2.0	1050	$1,350	$1.29	1d	1	0.80mi
3319 Hunt St Jacksonville, FL	3.0	1.0	924	$1,295	$1.40	23d	1	0.81mi
371 Smith St Jacksonville, FL	3.0	2.0	1050	$1,325	$1.26	4d	1	0.87mi
2011 W 5th St Jacksonville, FL	3.0	1.0	988	$1,150	$1.16	23d	1	0.91mi
1227 Dena St Jacksonville, FL	3.0	1.0	1033	$1,325	$1.28	23d	1	0.95mi
2549 Calvin St Jacksonville, FL	2.0	1.0	658	$600	$0.91	17d	1	0.96mi
2551 Calvin St Jacksonville, FL	2.0	1.0	658	$600	$0.91	17d	1	0.96mi
3356 Lenox Ave Jacksonville, FL	2.0	1.0	899	$999	$1.11	23d	1	0.96mi
2965 Sunset St Jacksonville, FL	3.0	1.5	1056	$1,375	$1.30	7d	1	0.96mi
2965 Sunset St Jacksonville, FL	3.0	2.0	1056	$1,375	$1.30	4d	1	0.96mi
3055 2nd Street Cir Jacksonville, FL	3.0	1.5	1050	$1,340	$1.28	17d	1	0.98mi
3101 3rd Street Cir N Jacksonville, FL	2.0	1.0	870	$1,150	$1.32	7d	1	1.00mi
3236 Phyllis St Unit 3244 Jacksonville, FL	2.0	1.0	720	$850	$1.18	23d	1	1.03mi
3250 Phyllis St Jacksonville, FL	2.0	1.0	720	$850	$1.18	23d	1	1.04mi
1911 W 3rd St Jacksonville, FL	3.0	1.0	912	$1,050	$1.15	4d	1	1.08mi
1021 Woodstock Ave Jacksonville, FL	3.0	2.0	1012	$1,495	$1.48	23d	1	1.09mi
1021 Woodstock Ave Jacksonville, FL	3.0	2.0	1012	$1,495	$1.48	7d	1	1.09mi
1934 W 6th St Jacksonville, FL	3.0	1.0	948	$1,125	$1.19	23d	1	1.10mi
1612 Alfen St Jacksonville, FL	3.0	1.5	945	$1,113	$1.18	7d	1	1.11mi
1751 Broadway Ave Jacksonville, FL	2.0	1.0	1000	$1,525	$1.52	4d	1	1.12mi
3303 Broadway Ave Jacksonville, FL	3.0	2.0	1072	$1,550	$1.45	4d	1	1.12mi

Listing history 24 events

1. 2026-06-18
   days on market $105,000 Active 29 DOM
2. 2026-06-17
   days on market $105,000 Active 28 DOM
3. 2026-06-16
   days on market $105,000 Active 27 DOM
4. 2026-06-15
   days on market $105,000 Active 26 DOM
5. 2026-06-13
   days on market $105,000 Active 24 DOM
6. 2026-06-13
   days on market $105,000 Active 23 DOM
7. 2026-06-10
   days on market $105,000 Active 20 DOM
8. 2026-06-08
   pricedays on market $105,000 Active 19 DOM
9. 2026-06-07
   days on market $110,000 Active 18 DOM
10. 2026-06-05
    days on market $110,000 Active 15 DOM
11. 2026-06-03
    days on market $110,000 Active 14 DOM
12. 2026-06-02
    days on market $110,000 Active 13 DOM
13. 2026-06-01
    days on market $110,000 Active 12 DOM
14. 2026-05-31
    days on market $110,000 Active 11 DOM
15. 2026-04-28
    listed $110,000 Active
16. 2025-06-30
    historical 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

17. 2025-04-30
    price $130,000 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

18. 2025-04-18
    price $135,000 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

19. 2025-04-04
    price $140,000 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

20. 2025-04-01
    status Active 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

21. 2025-03-31
    historical 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

22. 2025-02-20
    price $150,000 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

23. 2025-01-06
    price $159,000 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

24. 2024-11-18
    listed $165,000 Active 435-char remark

    Show marketing remark (435 chars)

    Discover 2536 Lowell Ave, a cozy 2-bedroom, 1-bath home perfect for investors seeking reliable rental income. Currently tenant-occupied and generating $1,150 per month, this property offers an excellent opportunity to expand your portfolio. The home also features off-street parking, providing added convenience for tenants. With its manageable size and steady income, 2536 Lowell Ave is a hassle-free investment with great potential.

ⓘ 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: $1,317 · $110/mo
• Projected year-2 tax: $1,317 · $110/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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 18 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: $14,275
• − Mortgage interest: −$5,882
• − Property taxes: −$1,317
• − Insurance: −$525
• − Repairs & maintenance: −$1,142
• − Management: −$1,142
• − Depreciation: −$3,055
• Taxable income: $1,212
• Est. tax owed @ 24.0%: −$291
• After-tax cash flow: $2,536/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

-33.3% since first listed

10 events — show timeline

• 2026-04-28 Listed $110,000 realMLS
• 2025-06-30 Listing Removed — realMLS
• 2025-04-30 Price Changed $130,000 realMLS
• 2025-04-18 Price Changed $135,000 realMLS
• 2025-04-04 Price Changed $140,000 realMLS
• 2025-04-01 Relisted — realMLS
• 2025-03-31 Listing Removed — realMLS
• 2025-02-20 Price Changed $150,000 realMLS
• 2025-01-06 Price Changed $159,000 realMLS
• 2024-11-18 Listed $165,000 realMLS

Property tax history

+7.3%/yr

Latest (2025): $1,317 · +21.7% YoY. Source: county tax records.