2781 Hyde Park Rd · Jacksonville, FL 32210

$115,000

3 bd · 1.0 ba · 1,241 sqft · SingleFamily public records · 6 Days on market

Built 1954 0.33 ac lot Est $227k · 49% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.4/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Unique opportunity to own masonry constructed home in Cedar Hills, walking distance to shopping at Cedar Hills Mall. This opportunity once last long, act fast before its gone. Sold As-Is. Seller/Agent makes no representations / warranties expressed /implied as to condition of property. Multiple offers have been received, Seller is requesting highest and best by 5.18.26 @ 10am EST. See MOF in documents.

Key facts

• Cedar hills mall
• 0.33 acre lot
• Garage

Tags

• MASONRY CONSTRUCTED HOME
• WALKING DISTANCE TO SHOPPING
• CEDAR HILLS MALL

Property features AI

Finance

• Other:
• Financial info:
• HOA & community: Not a senior community

Exterior

• Parking: Attached garage (1 car)
• Security:
• Utilities: Electricity available; Public water available
• Home design: Single-family residence; One story; Entry level is 1; Faces south
• Construction:
• Exterior features: Private in-ground pool; City street frontage; Residential use; Other detached structures on the property

Interior

• Kitchen:
• Bedrooms: 3 bedrooms (entry level)
• Flooring: Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Cooling system (type not specified)
• Interior features: Wood flooring
• Laundry & utility:

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $569 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $115k).
• Cap rate 12.2% 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 (+2.1%/yr); 441 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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 33% of the median local income ($61k/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 $795 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.
• At projected returns (-3.0% appreciation + 2.1% rent growth), your $32k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1954 — 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 $115,000

Questions for the listing agent

1. Built in 1954 — 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: 1.44% ✓
• Cap rate: 12.23%
• Cash-on-cash: 21.19%
• DSCR: 1.94
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $227,103
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6014 Woodside Dr	0.30mi	3/2.0	1,236 (-0%)	1mo	$225,000	$182	80
5578 Shorewood Rd	0.37mi	3/1.0	1,264 (+2%)	2mo	$215,000	$170	78
5321 Fremont St	0.47mi	3/1.0	1,166 (-6%)	1mo	$231,000	$198	67
4014 Rendale Dr	0.56mi	3/1.0	1,265 (+2%)	6mo	$187,000	$148	66
4109 Tyndale Dr	0.57mi	3/2.0	1,274 (+3%)	3mo	$235,000	$184	63
2211 Bayview Rd	0.72mi	3/2.0	1,269 (+2%)	1mo	$125,000	$99	58
3903 Rendale Dr N	0.47mi	4/2.0 (+1)	1,177 (-5%)	3mo	$227,000	$193	58
4609 Cambridge Rd	0.68mi	4/2.0 (+1)	1,270 (+2%)	1mo	$130,000	$102	55
5044 Colonial Ave	0.53mi	3/2.0	1,366 (+10%)	2mo	$250,000	$183	53
2811 Lake Shore Blvd	0.51mi	3/2.0	1,363 (+10%)	4mo	$247,000	$181	53
2318 Barlad Dr	0.57mi	4/2.0 (+1)	1,318 (+6%)	2mo	$250,000	$190	52
4649 Cambridge Rd	0.61mi	2/1.0 (-1)	1,118 (-10%)	0mo	$235,000	$210	50

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 · 2.11% rent growth · sell at horizon

5-year hold

• IRR: 12.7%
• Equity multiple: 1.50×
• Total profit: $16,094
• Equity at exit: $17,147

10-year hold

• IRR: 20.9%
• Equity multiple: 2.70×
• Total profit: $54,673
• Equity at exit: $9,943

Cash invested: $32,200 (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 32210

• Rents YoY: 2.1%
• Active inventory: 441
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,661 high
• Mortgage (P&I): −$603
• Tax from tax record: −$93 /mo · $1,111/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$349
• Net cashflow: $569

Break-even live

Break-even rent $941

Max offer price $115,000

Occupancy floor 61%

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3434 Blanding Blvd #201 Jacksonville, FL	3.0	2.0	1253	$1,800	$1.44	17d	1	0.09mi
3434 Blanding Blvd Jacksonville, FL	2.0–3.0	2.0	1101	$1,800	$1.63	3d	2	0.11mi
6026 Wilson Blvd Jacksonville, FL	4.0	3.0	1380	$700	$0.51	23d	1	0.31mi
6066 Wilson Blvd Jacksonville, FL	3.0	3.0	1097	$1,800	$1.64	23d	1	0.39mi
6119 Wilson Blvd Jacksonville, FL	4.0	2.0	1302	$1,395	$1.07	23d	1	0.41mi
4301 Confederate Point Rd Jacksonville, FL	3.0	1.0–2.0	1042	$1,606	$1.54	3d	39	0.55mi
4020 Angol Pl Jacksonville, FL	3.0	1.0	1266	$1,845	$1.46	17d	1	0.61mi
3607 Colebrooke Dr Jacksonville, FL	3.0	2.0	1360	$1,590	$1.17	3d	1	0.61mi
4102 Angol Pl Jacksonville, FL	3.0	2.0	1470	$1,650	$1.12	4d	1	0.64mi
4610 Cedarwood Rd Jacksonville, FL	3.0	1.0	1381	$1,950	$1.41	17d	1	0.64mi
4375 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1125	$1,536	$1.37	2d	22	0.70mi
5215 San Juan Ave Jacksonville, FL	2.0	1.0	750	$1,075	$1.43	7d	1	0.71mi
4614 Birkenhead Rd Jacksonville, FL	3.0	2.0	1248	$1,700	$1.36	14d	1	0.71mi
3668 Jammes Rd Jacksonville, FL	3.0	2.0	1227	$1,540	$1.26	4d	1	0.80mi
2039 Niblick Dr Jacksonville, FL	1.0–2.0	1.0–2.0	847	$1,275	$1.51	3d	10	0.80mi
4455 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1045	$1,599	$1.53	1d	19	0.82mi
6236 Autlan Dr Jacksonville, FL	3.0	2.0	1299	$1,555	$1.20	4d	1	0.82mi
5615 San Juan Ave #208 Jacksonville, FL	2.0	2.0	1115	$1,200	$1.08	23d	1	0.87mi
5821 San Juan Ave Jacksonville, FL	1.0–3.0	1.0–2.0	1056	$1,330	$1.26	3d	7	0.92mi
5140 Janice Cir S Jacksonville, FL	3.0	1.0	1215	$1,335	$1.10	21d	1	0.93mi
4343 Ortega Farms Cir Unit A Jacksonville, FL	2.0	1.0	800	$1,950	$2.44	23d	1	0.95mi
5139 Camille Ave Jacksonville, FL	3.0	2.0	1100	$1,625	$1.48	1d	1	1.02mi
4776 Cardinal Blvd Jacksonville, FL	3.0	1.0	959	$1,550	$1.62	23d	1	1.08mi
6511 San Juan Ave Jacksonville, FL	2.0	2.0	740	$1,200	$1.62	4d	1	1.20mi
6715 Cotton Tail Ln Jacksonville, FL	3.0	1.5	1120	$1,450	$1.29	14d	1	1.22mi
4804 Ducheneau Dr Unit 26 Jacksonville, FL	3.0	2.0	1182	$1,635	$1.38	23d	1	1.23mi
6560 Barmer Dr S Jacksonville, FL	4.0	2.0	1370	$1,750	$1.28	1d	1	1.25mi
1626 Stimson St Jacksonville, FL	3.0	2.5	1368	$1,641	$1.20	21d	1	1.28mi
4844 Merrimac Ave Jacksonville, FL	2.0	1.0	820	$1,325	$1.62	23d	1	1.28mi
6746 Jack Horner Ln Jacksonville, FL	3.0	1.0	975	$1,450	$1.49	23d	1	1.29mi
6595 San Juan Ave Jacksonville, FL	1.0–2.0	1.0	846	$1,250	$1.48	19d	4	1.29mi
6819 Lake Mist Ln Jacksonville, FL	3.0	2.5	1344	$1,745	$1.30	23d	1	1.35mi
6809 Miss Muffet Ln S Jacksonville, FL	3.0	1.0	1095	$1,475	$1.35	4d	1	1.37mi
1540 Lake Shore Blvd Jacksonville, FL	3.0	2.0	1180	$1,495	$1.27	7d	1	1.41mi
6851 Lake Mist Ln Unit A Jacksonville, FL	3.0	2.5	1350	$1,745	$1.29	23d	1	1.41mi
5985 Windsor Forest Dr Unit 23 Jacksonville, FL	2.0	1.5	900	$999	$1.11	21d	1	1.42mi
5985 Windsor Forest Dr Unit 15 Jacksonville, FL	2.0	1.5	900	$999	$1.11	7d	1	1.42mi
5985 Windsor Forest Dr Jacksonville, FL	2.0	1.5	900	$1,099	$1.22	7d	1	1.42mi
4503 Anvers Blvd Jacksonville, FL	3.0	2.0	1084	$1,595	$1.47	23d	1	1.43mi
4608 Wheeler Ave Jacksonville, FL	3.0	1.0	1025	$2,000	$1.95	23d	1	1.44mi

Listing history 2 events

1. 2026-05-18
   status Pending
2. 2026-05-12
   listed $115,000 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: $1,111 · $93/mo
• Projected year-2 tax: $1,111 · $93/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 3/10 Moderate FEMA zone X (unshaded) · 12% 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 10/10 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: $19,930
• − Mortgage interest: −$6,442
• − Property taxes: −$1,111
• − Insurance: −$575
• − Repairs & maintenance: −$1,594
• − Management: −$1,594
• − Depreciation: −$3,345
• Taxable income: $5,269
• Est. tax owed @ 24.0%: −$1,264
• After-tax cash flow: $5,558/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): 65,729
• Household income: $61,050
• Rent vs Own: 42.6% rent · 57.4% own
• Severe rent burden: 3605.0

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 0.65)
• Race & ethnicity: White 43% Black 38% Hispanic / Latino 10% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3%
• Common ancestry: Slovak 2% Hispanic 2% Italian 1%
• Foreign-born: 10% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 7% French/Haitian/Cajun 2% Tagalog/Filipino 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: ▼ -314.81%
• Current HPI: 281.2688
• Rent YoY: ▲ 2.11%
• 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

2 events — show timeline

• 2026-05-18 Pending — realMLS
• 2026-05-12 Listed $115,000 realMLS

Property tax history

+3.0%/yr

Latest (2025): $1,111 · +22.2% YoY. Source: county tax records.