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4638 Suffolk Ave
D Composite 44.09
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 +13.0/30.0
  • ARV discount +10.5/15.0
  • Livability +4.2/5.0
  • 1% rule +4.0/10.0
  • DSCR +3.9/10.0
  • Schools +3.9/10.0
  • Condition / age +2.5/5.0
  • Rent growth +2.2/5.0
  • Appreciation +0.0/10.0

$175,000

4638 Suffolk Ave · Jacksonville, FL 32208
4 bd · 2.0 ba · 1,465 sqft · SingleFamily public records · 142 Days on market
Built 1955 7,405 sqft lot Est $188k · 7% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

Key facts

  • 7,405 sq ft lot
  • Built 1955
  • Listed 142 days

Property features AI

Finance

  • HOA & community: Not a senior community

Exterior

  • Parking: Additional parking available; Off-street parking; On-street parking
  • Utilities: Cable available
  • Home design: Single-family residence; One level
  • Exterior features: Fenced backyard; Many trees on the lot; City street frontage; Asphalt road access

Interior

  • Bedrooms: 4 bedrooms
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating (electric); Central air conditioning
  • Interior features: Microwave; Refrigerator

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $175k.

Deal economics

  • At list price, monthly cash flow is $-10 ($-120/yr) — negative.
  • To cash-flow at today's rent, offer at most $173k (1.0% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $157k (10.0% below list).
  • Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
  • Cap rate 6.2% 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: Jean Ribault Middle School (math 28% / reading 24%, grade F, #506 of 571 statewide, top 89%, 679 students, 78% 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 74% FRL vs 49% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 25% 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); 293 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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).
  • At $1,575/mo this rent would consume 46% of the median local household income ($41k/yr) (locally 1765% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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 142 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
  • 8 sale attempts since 8y ago; this cycle's ask is 10636% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

  • Watch-outs: built in 1955 — 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 $154,000 (12.0% 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 142 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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. 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?
  8. 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.
  9. 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.
  10. 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
0.90%
Cap rate
6.22%
Cash-on-cash
-0.25%
DSCR
0.99
GRM
9.3

CMA / ARV

ARV (on-the-fly)
$187,520
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
9635 Norfolk Blvd 0.43mi 4/2.0 1,412 (-4%) 5mo $189,900 $134 70
3906 Beverly Ave 0.57mi 4/2.0 1,444 (-1%) 2mo $92,000 $64 69
3965 Beverly Ave 0.51mi 3/2.0 (-1) 1,512 (+3%) 3mo $177,500 $117 64
9035 Devonshire Blvd Blvd 0.51mi 3/2.0 (-1) 1,550 (+6%) 2mo $130,000 $84 60
4824 Portsmouth Ave 0.25mi 4/2.0 1,248 (-15%) 6mo $125,000 $100 59
9264 Norfolk Blvd 0.16mi 3/1.0 (-1) 1,255 (-14%) 4mo $134,000 $107 56
4903 Fredericksburg Ave 0.31mi 3/1.0 (-1) 1,312 (-10%) 8mo $108,600 $83 53
5115 Chivalry Dr 0.61mi 3/2.0 (-1) 1,381 (-6%) 6mo $198,000 $143 52
4368 Bedivere Rd 0.42mi 3/2.0 (-1) 1,274 (-13%) 2mo $162,500 $128 52
4400 Bedivere Rd 0.42mi 3/2.0 (-1) 1,308 (-11%) 7mo $220,000 $168 51
9019 Greenleaf Rd 0.64mi 4/2.0 1,631 (+11%) 4mo $255,000 $156 48
4419 Crossbow Rd 0.53mi 3/2.0 (-1) 1,274 (-13%) 5mo $179,000 $141 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
-20.2%
Equity multiple
0.32×
Total profit
$-33,559
Equity at exit
$26,093
10-year hold
IRR
-22.2%
Equity multiple
0.03×
Total profit
$-47,671
Equity at exit
$15,131

Cash invested: $49,000 (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.

ZIP-level market 32208

Home prices YoY
-33.6%
Rents YoY
-1.4%
Active inventory
293
Price-to-rent
9.3×

Monthly cashflow live

Estimated rent
$1,575 high interval (Pro) →
Mortgage (P&I)
$918
Tax from tax record
$263 /mo · $3,161/yr
Insurance
$73
HOA
$0
Vacancy / Maint / Mgmt
$331
Net cashflow
$-10

Break-even live

Break-even rent $1,587
Max offer price $173,230
Occupancy floor 96%

Sensitivity live

Price -10% $89 -5% $40 +0% $-10 +5% $-60 +10% $-109
Rent -10% $-134 -5% $-72 +0% $-10 +5% $52 +10% $114
Rate -1.0pp $78 -0.5pp $34 base $-10 +0.5pp $-55 +1.0pp $-101

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
$43,750
Closing costs
$5,250
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 31 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4643 Williamsburg Ave Jacksonville, FL 3.0 2.0 1209 $1,496 $1.24 4d 1 0.11mi
9348 Culpeper Ave Jacksonville, FL 3.0 1.0 882 $1,195 $1.35 24d 1 0.15mi
4737 Portsmouth Ave Jacksonville, FL 4.0 2.0 1396 $1,148 $0.82 24d 1 0.18mi
4662 Roanoke Blvd Jacksonville, FL 3.0 2.0 1104 $1,195 $1.08 15d 1 0.21mi
4935 Portsmouth Ave Jacksonville, FL 3.0 1.0 894 $1,163 $1.30 11d 1 0.37mi
9561 Norfolk Blvd Jacksonville, FL 3.0 1.5 934 $1,350 $1.45 2d 1 0.38mi
9436 Gisborne Dr Jacksonville, FL 3.0 1.5 950 $1,440 $1.52 21d 1 0.52mi
9658 Gibson Ave Jacksonville, FL 3.0 1.5 977 $1,225 $1.25 24d 1 0.53mi
4819 Arrowsmith Rd Unit 1 Jacksonville, FL 3.0 2.0 1285 $1,500 $1.17 15d 1 0.59mi
4895 Churchill Dr Jacksonville, FL 3.0 2.0 1303 $1,900 $1.46 24d 1 0.60mi
9206 Greenleaf Rd Jacksonville, FL 3.0 1.5 888 $1,400 $1.58 18d 1 0.64mi
3848 Soutel Dr Jacksonville, FL 3.0 2.0 1230 $1,541 $1.25 8d 1 0.66mi
8645 Samona Dr W Jacksonville, FL 4.0 1.0 1196 $1,250 $1.05 24d 1 0.69mi
9340 Sibbald Rd Jacksonville, FL 4.0 2.0 1228 $1,606 $1.31 5d 1 0.70mi
8534 Addison Rd Jacksonville, FL 4.0 2.0 1410 $1,995 $1.41 24d 1 0.72mi
8509 Addison Rd Jacksonville, FL 4.0 2.0 1494 $1,675 $1.12 24d 1 0.77mi
8516 Bermuda Rd Jacksonville, FL 3.0 2.0 1492 $1,625 $1.09 21d 1 0.80mi
8367 Tubman Ct Jacksonville, FL 4.0 1.5 1398 $1,790 $1.28 18d 1 0.83mi
3636 Turton Ave Jacksonville, FL 4.0 2.0 1728 $2,100 $1.22 24d 1 0.93mi
3344 Soutel Dr Jacksonville, FL 3.0 1.0 1142 $1,325 $1.16 24d 1 1.04mi
3250 Soutel Dr Jacksonville, FL 3.0 2.0 1352 $1,525 $1.13 24d 1 1.18mi
9517 Fraser Fir Ct Jacksonville, FL 4.0 2.0 1526 $1,745 $1.14 8d 1 1.24mi
8036 Mattox Ave Jacksonville, FL 4.0 2.0 1160 $1,480 $1.28 17d 1 1.25mi
10373 Marsh Hawk Dr Jacksonville, FL 3.0 2.0 1868 $2,020 $1.08 4d 1 1.32mi
3015 Lansdell Dr Jacksonville, FL 3.0 1.0 1150 $1,350 $1.17 24d 1 1.33mi
4334 Woodley Creek Rd Jacksonville, FL 3.0 2.0 1634 $2,100 $1.29 2d 1 1.36mi
2389 Hilly Rd Jacksonville, FL 3.0 1.0 908 $1,650 $1.82 24d 1 1.41mi
9148 13th Ave Jacksonville, FL 3.0 1.0 1126 $1,136 $1.01 5d 1 1.42mi
9346 10th Ave Jacksonville, FL 3.0 1.0 985 $1,825 $1.85 24d 1 1.44mi
4910 Rhode Island Dr N Jacksonville, FL 3.0 2.0 1300 $1,696 $1.30 24d 1 1.44mi
9141 12th Ave Jacksonville, FL 3.0 2.0 1209 $1,598 $1.32 21d 1 1.49mi

Listing history 38 events

  1. 2026-06-21
    days on market $175,000 Active 142 DOM
  2. 2026-06-18
    days on market $175,000 Active 139 DOM
  3. 2026-06-17
    days on market $175,000 Active 138 DOM
  4. 2026-06-16
    days on market $175,000 Active 137 DOM
  5. 2026-06-15
    days on market $175,000 Active 136 DOM
  6. 2026-06-10
    days on market $175,000 Active 130 DOM
  7. 2026-06-08
    days on market $175,000 Active 129 DOM
  8. 2026-06-07
    days on market $175,000 Active 128 DOM
  9. 2026-06-03
    days on market $175,000 Active 124 DOM
  10. 2026-06-02
    days on market $175,000 Active 123 DOM
  11. 2026-06-01
    days on market $175,000 Active 122 DOM
  12. 2026-05-31
    days on market $175,000 Active 121 DOM
  13. 2026-05-02
    historical $1,630
  14. 2026-03-12
    price $175,000
  15. 2026-03-07
    listed $1,630
  16. 2026-01-30
    listed $180,000 Active
  17. 2025-05-31
    historical 715-char remark
    Show marketing remark (715 chars)

    Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

  18. 2025-04-24
    historical $1,550
  19. 2025-03-14
    listed $1,550
  20. 2025-03-13
    historical $1,550
  21. 2025-01-14
    status Active 715-char remark
    Show marketing remark (715 chars)

    Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

  22. 2024-12-31
    historical 715-char remark
    Show marketing remark (715 chars)

    Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

  23. 2024-11-24
    price $1,550
  24. 2024-10-03
    price $180,000 715-char remark
    Show marketing remark (715 chars)

    Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

  25. 2024-09-28
    price $195,000 715-char remark
    Show marketing remark (715 chars)

    Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

  26. 2024-09-06
    listed $1,850
  27. 2024-08-07
    price $189,000 715-char remark
    Show marketing remark (715 chars)

    Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

  28. 2024-06-21
    listed $190,000 Active 715-char remark
    Show marketing remark (715 chars)

    Location. Location.. Location...No HOA! No CDD! Cute and cozy 4 bedroom 2 bath home located in an established and quiet neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large private back yard, perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Investment or your main home? First your first home or investment, this house checks your boxes. Seller paid: Home warranty transferrable, available for the new buyer! This is a great Buy! Schedule your tour today!

  29. 2021-10-15
    soldstatus $154,000 Sold 461-char remark
    Show marketing remark (461 chars)

    Cute and cozy 4 bedroom 2 bath home located in an established neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large back yard perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Schedule your tour today!

  30. 2021-09-01
    status Pending 461-char remark
    Show marketing remark (461 chars)

    Cute and cozy 4 bedroom 2 bath home located in an established neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large back yard perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Schedule your tour today!

  31. 2021-08-27
    historical Active - Contingent 461-char remark
    Show marketing remark (461 chars)

    Cute and cozy 4 bedroom 2 bath home located in an established neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large back yard perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Schedule your tour today!

  32. 2021-08-16
    listed $160,000 Active 461-char remark
    Show marketing remark (461 chars)

    Cute and cozy 4 bedroom 2 bath home located in an established neighborhood. You are welcome immediately into living room area which features tile flooring. The kitchen is equipped with a refrigerator and stove. This split floor plan offers a master suite with a tub/shower combo bath, laundry room, and a large back yard perfect for enjoying the beautiful Florida Sunshine! Conveniently located to shopping, dining and entertainment. Schedule your tour today!

  33. 2019-01-31
    historical
  34. 2018-10-24
    price $109,900
  35. 2018-10-17
    price $114,900
  36. 2018-09-12
    price $119,900
  37. 2018-08-23
    price $129,900
  38. 2018-08-22
    listed $139,900 Active

ⓘ 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
$3,161 · $263/mo
Projected year-2 tax
$3,161 · $263/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 3/10 Moderate
  • 🌡 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 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$18,897
− Mortgage interest
−$9,803
− Property taxes
−$3,161
− Insurance
−$875
− Repairs & maintenance
−$1,512
− Management
−$1,512
− Depreciation
−$5,091
Taxable loss
−$3,056
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$734
After-tax cash flow
$613/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

Price history

-98.8% since first listed
26 events — show timeline
  • 2026-05-02 Rental Removed $1,630 NEFLMLS
  • 2026-03-12 Price Changed $175,000 realMLS
  • 2026-03-07 Listed for Rent $1,630 NEFLMLS
  • 2026-01-30 Listed $180,000 realMLS
  • 2025-05-31 Listing Removed realMLS
  • 2025-04-24 Rental Removed $1,550 RENTSPREE
  • 2025-03-14 Listed for Rent $1,550 RENTSPREE
  • 2025-03-13 Rental Removed $1,550 NEFLMLS
  • 2025-01-14 Relisted realMLS
  • 2024-12-31 Listing Removed realMLS
  • 2024-11-24 Price Changed $1,550 NEFLMLS
  • 2024-10-03 Price Changed $180,000 realMLS
  • 2024-09-28 Price Changed $195,000 realMLS
  • 2024-09-06 Listed for Rent $1,850 NEFLMLS
  • 2024-08-07 Price Changed $189,000 realMLS
  • 2024-06-21 Listed $190,000 realMLS
  • 2021-10-15 Sold (MLS) $154,000 realMLS
  • 2021-09-01 Pending realMLS
  • 2021-08-27 Contingent realMLS
  • 2021-08-16 Listed $160,000 realMLS
  • 2019-01-31 Listing Removed realMLS
  • 2018-10-24 Price Changed $109,900 realMLS
  • 2018-10-17 Price Changed $114,900 realMLS
  • 2018-09-12 Price Changed $119,900 realMLS
  • 2018-08-23 Price Changed $129,900 realMLS
  • 2018-08-22 Listed $139,900 realMLS

Property tax history

+9.0%/yr

Latest (2025): $3,161 · +7.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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