9014 Gifford Dr · Jacksonville, FL 32220

$240,000

3 bd · 3.0 ba · 1,492 sqft · SingleFamily public records · 387 Days on market

Built 2023 3,049 sqft lot $88/mo HOA · 4% of rent ↓ 13% since listing

---

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 +12.9/30.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• DSCR +3.9/10.0
• Schools +3.9/10.0
• 1% rule +3.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

**Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

Key facts

• $88 HOA
• Garage
• Built 2023

Property features AI

Finance

• HOA & community: Community association with quarterly fee; Association fee $265 quarterly

Exterior

• Parking: Garage with automatic garage door opener; 1 garage space
• Security: Smoke detector(s)
• Utilities: Public sewer; Water available; Sewer available; Electricity available; Cable available
• Home design: Townhouse; Two levels; Entry level 1; Property is attached
• Construction: Fiber cement exterior; Shingle roof
• Exterior features: Pond on the property; Front and rear sprinklers; City street frontage; Asphalt road surface; Smoke detectors

Interior

• Kitchen: Dishwasher; Disposal; Electric range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Breakfast bar; Eat-in kitchen; Open floor plan; Pantry; Primary bathroom with tub and shower
• Laundry & utility: In-unit laundry on lower level; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/3.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-18 ($-216/yr) — negative.
• To cash-flow at today's rent, offer at most $237k (1.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $210k (12.4% below list).
• Recommended offer: $210k (12.4% below list) — sets the bar for 1% rule.
• 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: Thomas Jefferson Elementary (math 60% / reading 55%, grade C+, #764 of 2,144 statewide, top 36%, 446 students, 57% FRL); Highlands Middle School (math 31% / reading 21%, grade F, #506 of 571 statewide, top 89%, 697 students, 73% 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 67% FRL vs 49% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 112 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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).
• This rent runs 31% of the median local income ($82k/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 $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

• It's been on market 387 days — a 12% lower offer ($211k) is reasonable based on typical stale-listing flexibility.
• 4 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

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

Recommended offer $210,282 (12.4% 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 387 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 0.88% ✗
• Cap rate: 6.20%
• Cash-on-cash: -0.32%
• DSCR: 0.99
• GRM: 9.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -16.8%
• Equity multiple: 0.40×
• Total profit: $-39,994
• Equity at exit: $35,785

10-year hold

• IRR: -8.6%
• Equity multiple: 0.46×
• Total profit: $-36,123
• 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 32220

• Home prices YoY: -18.1%
• Active inventory: 112
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,103 medium
• Mortgage (P&I): −$1,259
• Tax from tax record: −$233 /mo · $2,792/yr
• Insurance: −$100
• HOA: −$88
• Vacancy / Maint / Mgmt: −$442
• Net cashflow: $-18

Break-even live

Break-even rent $2,126

Max offer price $236,816

Occupancy floor 96%

Sensitivity live

Price	-10% $118	-5% $50	+0% $-18	+5% $-86	+10% $-154
Rent	-10% $-184	-5% $-101	+0% $-18	+5% $65	+10% $148
Rate	-1.0pp $103	-0.5pp $43	base $-18	+0.5pp $-80	+1.0pp $-143

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 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9008 Gifford Dr Jacksonville, FL	2.0	2.5	1202	$1,650	$1.37	25d	1	0.04mi
4001 Haymon Ave Jacksonville, FL	3.0	2.5	1502	$2,400	$1.60	19d	1	0.07mi
3980 Bay Hawk Ct Jacksonville, FL	3.0	2.5	1492	$1,695	$1.14	13d	1	0.07mi
9113 Red Bird Ln Jacksonville, FL	3.0–5.0	2.0–3.0	2106	$2,468	$1.17	3d	2	0.24mi

HOA detail

• Monthly dues: $88 · $1,056/yr

Listing history 22 events

1. 2026-06-21
   days on market $240,000 Active 387 DOM
2. 2026-06-18
   days on market $240,000 Active 384 DOM
3. 2026-06-17
   days on market $240,000 Active 383 DOM
4. 2026-06-16
   days on market $240,000 Active 382 DOM
5. 2026-06-15
   days on market $240,000 Active 381 DOM
6. 2026-06-10
   days on market $240,000 Active 375 DOM
7. 2026-06-08
   days on market $240,000 Active 374 DOM
8. 2026-06-08
   days on market $240,000 Active 373 DOM
9. 2026-05-31
   days on market $240,000 Active 370 DOM
10. 2026-03-30
    price $240,000
11. 2025-12-08
    status Active
12. 2025-11-30
    historical
13. 2025-05-19
    price $250,000
14. 2025-05-18
    listed $247,500 Active
15. 2024-04-16
    soldstatus $240,000 Closed 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

16. 2024-03-25
    status Pending 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

17. 2024-03-25
    status Active 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

18. 2024-03-15
    status Pending 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

19. 2024-03-13
    price $253,990 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

20. 2024-03-05
    price $263,990 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

21. 2024-02-06
    price $271,990 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

22. 2024-02-05
    listed $276,990 Active 500-char remark

    Show marketing remark (500 chars)

    **Reduced Interest Rate Financing for this Home when using our Preferred Lender** Welcome to Westlake Estates! Homeowners will enjoy the short commute to any part of the greater Jacksonville area, including Jacksonville International Airport, Oakleaf Town Center and downtown Jacksonville. You will never be too far from home with Home Is Connected®. Your new home comes with an industry-leading suite of smart home products that keep you connected with the people and place you value most.

ⓘ 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: $2,792 · $233/mo
• Projected year-2 tax: $2,792 · $233/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 6/10 Major
• 🌡 Heat 8/10 Severe 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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,234
• − Mortgage interest: −$13,444
• − Property taxes: −$2,792
• − Insurance: −$1,200
• − Repairs & maintenance: −$2,019
• − Management: −$2,019
• − HOA: −$1,056
• − Depreciation: −$6,982
• Taxable loss: −$4,277
• Est. tax savings @ 24.0%: +$1,027
• After-tax cash flow: $810/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): 12,298
• Household income: $81,792
• Rent vs Own: 13.7% rent · 86.3% own
• Severe rent burden: 177.0

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 0.58)
• Race & ethnicity: White 61% Black 19% Hispanic / Latino 11% Two or more races 11% Asian 5%
• Hispanic origin (detail): Cuban 7%
• Common ancestry: Italian 2% Slovak 1% Portuguese 1%
• Foreign-born: 8% · Canada
• Languages at home: 95% English-only · Spanish 4% Arabic 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: ▼ -64.90%
• Current HPI: 293.7943
• Rent YoY: —
• 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

-13.4% since first listed

13 events — show timeline

• 2026-03-30 Price Changed $240,000 realMLS
• 2025-12-08 Relisted — realMLS
• 2025-11-30 Listing Removed — realMLS
• 2025-05-19 Price Changed $250,000 realMLS
• 2025-05-18 Listed $247,500 realMLS
• 2024-04-16 Sold (MLS) $240,000 realMLS
• 2024-03-25 Pending — realMLS
• 2024-03-25 Relisted — realMLS
• 2024-03-15 Pending — realMLS
• 2024-03-13 Price Changed $253,990 realMLS
• 2024-03-05 Price Changed $263,990 realMLS
• 2024-02-06 Price Changed $271,990 realMLS
• 2024-02-05 Listed $276,990 realMLS

Property tax history

+110.8%/yr

Latest (2025): $2,792 · -32.8% YoY. Source: county tax records.