12283 Deeder Ln · Jacksonville, FL 32258

$240,000

3 bd · 2.0 ba · 2,097 sqft · SingleFamily public records · 3 Days on market

Built 1988 0.65 ac lot Est $457k · 48% under

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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).

• ARV discount +15.0/15.0
• Cash flow +12.4/30.0
• 1% rule +4.9/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• DSCR +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Newly renovated all brick home is move-in-ready! This quiet neighborhood is close to A+ rated public schools, shopping and the Baptists South Medical Center. The home has a secluded back yard with private pond viewable from 400 Sq ft screened lanai and a 150 Sq ft outdoor wood patio. The renovated eat-in kitchen has new tile, counter tops, and all updated appliances. Ideal for the chef! A new roof with a transferable lifetime warranty is included. New paint and carpet throughout. A brick wood burning fireplace in the large family room creates a warm atmosphere.

Key facts

• 0.65 acre lot
• 2 garage spots
• Built 1988

Property features AI

Finance

• Other: Property is currently used as residential single family
• Financial info: Property tax information available (details excluded)
• HOA & community: Not a senior community

Exterior

• Parking: 2-car garage
• Security: No security details provided
• Utilities: Public sewer; Other utilities (not specified)
• Home design: Single-family residence; One level
• Construction: Construction details not specified
• Exterior features: Other detached/adjacent structures present; Lot approximately 0.65 acres

Interior

• Kitchen: No kitchen appliance details provided
• Bedrooms: 3 bedrooms
• Flooring: No flooring information provided
• Bathrooms: 2 full bathrooms
• Heating & cooling: Cooling present (type not specified)
• Interior features: No built-in appliances listed
• Laundry & utility: No laundry appliance details provided

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-40 ($-484/yr) — negative.
• To cash-flow at today's rent, offer at most $233k (3.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $238k (0.9% below list).
• Recommended offer: $233k (3.0% below list) — sets the bar for cash-flow.
• Cap rate 6.1% 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: Greenland Pines Elementary School (math 64% / reading 57%, grade B-, #664 of 2,144 statewide, top 32%, 662 students, 34% FRL); Twin Lakes Academy Middle School (math 43% / reading 38%, grade F, #360 of 571 statewide, top 64%, 1,076 students, 44% FRL); Mandarin High School (math 46% / reading 55%, grade D+, #171 of 667 statewide, top 26%, 2,405 students, 30% FRL).
• Market conditions: Rents flat; 182 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 26y 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 $194k; 24% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price.
• 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 $232,879 (3.0% 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. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.99% ✗
• Cap rate: 6.09%
• Cash-on-cash: -0.72%
• DSCR: 0.97
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $457,146
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4956 Grand Lakes Dr N	0.34mi	4/2.0 (+1)	2,103 (+0%)	1mo	$435,000	$207	78
12049 Watch Tower Dr	0.34mi	3/2.0	2,036 (-3%)	8mo	$410,000	$201	73
12002 Grand Lakes Dr	0.32mi	3/2.0	2,168 (+3%)	8mo	$520,000	$240	72
11548 Collins Creek Dr	0.48mi	3/2.0	2,065 (-2%)	5mo	$397,000	$192	71
4588 Carolyn Cove Ln S	0.59mi	4/3.0 (+1)	2,097 (0%)	4mo	$505,000	$241	60
4576 Arrow Wind Ln	0.50mi	4/2.0 (+1)	1,954 (-7%)	1mo	$425,000	$218	60
4664 Early Rise Ln	0.43mi	3/2.0	2,336 (+11%)	3mo	$595,000	$255	59
4591 Silverthorn Dr	0.63mi	3/2.5	2,272 (+8%)	1mo	$540,000	$238	54
5000 Redford Manor Dr	0.24mi	4/3.0 (+1)	2,347 (+12%)	7mo	$455,000	$194	54
11634 Collins Creek Dr	0.40mi	3/2.0	1,786 (-15%)	7mo	$380,000	$213	51
4852 Bolles Lake Dr	0.73mi	4/2.0 (+1)	2,186 (+4%)	6mo	$425,000	$194	48
5073 Douglas Creek Dr	0.56mi	3/2.0	1,854 (-12%)	8mo	$417,500	$225	48

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 · 0.1% rent growth · sell at horizon

5-year hold

• IRR: -21.2%
• Equity multiple: 0.29×
• Total profit: $-48,005
• Equity at exit: $35,785

10-year hold

• IRR: -25.4%
• Equity multiple: -0.05×
• Total profit: $-70,422
• Equity at exit: $20,751

Cash invested: $67,200 (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 32258

• Home prices YoY: -27.3%
• Rents YoY: 0.1%
• Active inventory: 182
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $2,378 high
• Mortgage (P&I): −$1,259
• Tax from tax record: −$560 /mo · $6,722/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$499
• Net cashflow: $-40

Break-even live

Break-even rent $2,429

Max offer price $232,879

Occupancy floor 97%

Sensitivity live

Price	-10% $96	-5% $28	+0% $-40	+5% $-108	+10% $-176
Rent	-10% $-228	-5% $-134	+0% $-40	+5% $54	+10% $148
Rate	-1.0pp $81	-0.5pp $21	base $-40	+0.5pp $-102	+1.0pp $-166

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: $60,000
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12358 Teal Run Ct Jacksonville, FL	3.0	2.0	1644	$2,345	$1.43	9d	1	0.55mi
12138 Silver Saddle Dr Jacksonville, FL	3.0	2.0	1519	$2,100	$1.38	12d	1	0.73mi
12415 Autumnbrook Trl W Jacksonville, FL	3.0	2.0	1960	$2,215	$1.13	14d	1	0.91mi
11571 Greenland Hideaway Dr E Jacksonville, FL	3.0	2.0	1843	$2,350	$1.28	25d	1	1.01mi
11676 Oxford Crest Ln Jacksonville, FL	3.0	2.5	2081	$2,600	$1.25	25d	1	1.19mi
11536 Summer Haven Blvd N Jacksonville, FL	4.0	2.0	2217	$4,250	$1.92	25d	1	1.20mi
12221 Madison Creek Dr Jacksonville, FL	4.0	3.0	2593	$2,500	$0.96	14d	1	1.25mi
11516 Joliet Falls Ln Jacksonville, FL	3.0	2.0	1874	$2,200	$1.17	15d	1	1.26mi
11836 Lake Fern Dr Jacksonville, FL	4.0	2.0	2303	$1,989	$0.86	6d	1	1.34mi
3990 Clearwater Ln Jacksonville, FL	2.0	2.0	1914	$1,995	$1.04	25d	1	1.37mi
3990 Clearwater Ln Jacksonville, FL	2.0	2.0	1914	$1,995	$1.04	16d	1	1.37mi
12951 Julington Ridge Dr E Jacksonville, FL	3.0	2.0	1695	$2,404	$1.42	6d	1	1.39mi
11159 Wethersfield Ct Jacksonville, FL	3.0	2.0	1643	$2,385	$1.45	9d	1	1.50mi

Listing history 4 events

1. 2026-06-16
   status $240,000 Pending 3 DOM
2. 2026-06-15
   days on market $240,000 Active 3 DOM
3. 2026-06-13
   remarks 381-char remark
4. 2026-06-13
   listed $240,000 Active 1 DOM

ⓘ 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: $6,722 · $560/mo
• Projected year-2 tax: $6,722 · $560/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 4/10 Moderate
• 🌡 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 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,534
• − Mortgage interest: −$13,444
• − Property taxes: −$6,722
• − Insurance: −$1,200
• − Repairs & maintenance: −$2,283
• − Management: −$2,283
• − Depreciation: −$6,982
• Taxable loss: −$4,380
• Est. tax savings @ 24.0%: +$1,051
• After-tax cash flow: $567/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): 40,408
• Household income: $102,204
• Rent vs Own: 38.7% rent · 61.3% own
• Severe rent burden: 1166.0

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 0.57)
• Race & ethnicity: White 64% Black 11% Two or more races 11% Hispanic / Latino 10% Asian 7%
• Hispanic origin (detail): Puerto Rican 3% Cuban 3%
• Common ancestry: Italian 7% Estonian 3% Lithuanian 3%
• Foreign-born: 18% · Canada, South Korea, Jamaica
• Languages at home: 80% English-only · Other Indo-European 8% Spanish 7% Other Asian/Pacific 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: ▼ -105.79%
• Current HPI: 281.4397
• Rent YoY: ▲ 0.10%
• 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

+128.6% since first listed

11 events — show timeline

• 2026-06-12 Listed $240,000 realMLS
• 2013-12-19 Sold (Public Records) $194,000 Public Records
• 2013-12-18 Sold (MLS) $194,000 realMLS
• 2013-09-27 Listed $219,900 realMLS
• 2013-04-19 Sold (MLS) $153,000 realMLS
• 2012-11-28 Listed $165,000 realMLS
• 2001-06-05 Listing Removed — realMLS
• 2001-01-24 Sold (Public Records) $136,000 Public Records
• 2000-12-03 Listed $139,500 realMLS
• 1997-04-23 Sold (Public Records) $125,900 Public Records
• 1990-11-01 Sold (Public Records) $105,000 Public Records

Property tax history

+7.2%/yr

Latest (2025): $6,722 · +8.3% YoY. Source: county tax records.