13701 MacApa Rd · Jacksonville, FL 32224

$235,000

3 bd · 2.0 ba · 1,620 sqft · Manufactured public records · 6 Days on market

Built 1993 0.57 ac lot Est $215k · 9% over

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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 +26.5/30.0
• DSCR +9.0/10.0
• 1% rule +5.8/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• ARV discount +3.4/15.0
• Rent growth +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Discover the potential of this well-located 3-bedroom, 2-bath manufactured home situated on a spacious half-acre lot in the Hodges and Beach Blvd area of Jacksonville. Enjoy the convenience of being just minutes from the beach, along with easy access to shopping, dining, and everyday amenities. This home offers a split-bedroom floor plan along with a large kitchen offering abundant cabinet space. The main living areas are finished with durable LVP flooring, providing both style and low maintenance. The owner's suite includes a large bedroom and a private bath with a relaxing garden tub and separate walk-in shower. Recent updates include a roof replacement in 2022, offering added peace of mi

Key facts

• Half-acre lot
• Private bath
• Large kitchen

Tags

• HALF-ACRE LOT
• SPLIT-BEDROOM FLOOR PLAN
• LARGE KITCHEN
• ABUNDANT CABINET SPACE
• OWNER'S SUITE
• PRIVATE BATH

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Covered carport with 4 spaces; Additional parking; RV access/parking
• Security: Smoke detectors
• Utilities: 150 amp electric service; Septic tank; Cable available
• Home design: Manufactured home (double wide); One story; Ground-level entry; South-facing
• Construction: Vinyl siding; Shingle roof
• Exterior features: Covered rear porch; Accessible approach with ramp; Shed(s); Dead-end street access; County road frontage; Dirt road surface

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric heat pump); Central air (electric)
• Interior features: Built-in features; Ceiling fans; Kitchen island; Primary bathroom with tub and shower; Split bedroom floorplan; Vaulted ceilings; Walk-in closets
• Laundry & utility: In-unit laundry with washer and dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $235k.

Deal economics

• At list price, monthly cash flow is $621 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $235k).
• Cap rate 9.5% 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: Kernan Trail Elementary School (math 72% / reading 62%, grade B+, #450 of 2,144 statewide, top 22%, 646 students, 42% FRL); Kernan Middle School (math 48% / reading 50%, grade C-, #265 of 571 statewide, top 48%, 1,136 students, 47% FRL); Sandalwood High School (math 53% / reading 46%, grade D, #179 of 667 statewide, top 29%, 2,771 students, 42% FRL).
• Market conditions: Rents rising (+3.0%/yr); 346 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 17d 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 34% of the median local income ($88k/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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $66k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $28k; list at $235k implies a 725% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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 $235,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.08% ✓
• Cap rate: 9.47%
• Cash-on-cash: 11.33%
• DSCR: 1.50
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $215,460
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13701 MacApa Rd	0.00mi	3/2.0	1,620 (0%)	1mo	$215,000	$133	100

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 · 3.04% rent growth · sell at horizon

5-year hold

• IRR: 0.6%
• Equity multiple: 1.02×
• Total profit: $1,475
• Equity at exit: $35,039

10-year hold

• IRR: 10.2%
• Equity multiple: 1.79×
• Total profit: $52,189
• Equity at exit: $20,319

Cash invested: $65,800 (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 32224

• Home prices YoY: -23.2%
• Rents YoY: 3.0%
• Active inventory: 346
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $2,529 high
• Mortgage (P&I): −$1,232
• Tax from tax record: −$47 /mo · $560/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$531
• Net cashflow: $621

Break-even live

Break-even rent $1,743

Max offer price $235,000

Occupancy floor 70%

Sensitivity live

Price	-10% $754	-5% $688	+0% $621	+5% $555	+10% $488
Rent	-10% $421	-5% $521	+0% $621	+5% $721	+10% $821
Rate	-1.0pp $740	-0.5pp $681	base $621	+0.5pp $560	+1.0pp $498

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13717 Otway Rd Jacksonville, FL	3.0	2.0	1476	$3,500	$2.37	9d	1	0.09mi
13793 Herons Landing Way Jacksonville, FL	3.0	2.0	1346	$1,850	$1.37	25d	1	0.62mi
14089 Lumberton Falls Dr Jacksonville, FL	4.0	2.0	1474	$2,450	$1.66	25d	1	0.66mi
13364 Beach Blvd Jacksonville, FL	2.0–3.0	2.0	1418	$2,000	$1.41	16d	5	0.68mi
13364 Beach Blvd Jacksonville, FL	2.0–3.0	2.0	1418	$1,997	$1.41	6d	6	0.68mi
2942 Rockford Falls Dr N Jacksonville, FL	3.0	2.0	1490	$2,100	$1.41	19d	1	0.69mi
14051 Beach Blvd Jacksonville Beach, FL	1.0–2.0	1.0–2.0	1001	$2,410	$2.41	3d	17	0.78mi
3477 Nightscape Cir Jacksonville, FL	2.0	2.5	1078	$1,750	$1.62	25d	1	0.79mi
3435 Nightscape Cir Jacksonville, FL	2.0	2.5	1078	$1,800	$1.67	25d	1	0.82mi
3684 Summerlin Ln Jacksonville, FL	2.0	2.5	1110	$1,600	$1.44	25d	1	0.87mi
3504 Summerlin Ln Jacksonville, FL	2.0	2.5	1110	$1,475	$1.33	25d	1	0.87mi
2443 Footbridge Ln Jacksonville, FL	3.0	2.0	1450	$3,000	$2.07	6d	1	0.92mi
3716 Casitas Dr Jacksonville, FL	3.0	2.5	2019	$2,750	$1.36	25d	1	0.93mi
13245 Milhouse Way Jacksonville, FL	3.0	2.0	1683	$2,695	$1.60	6d	1	0.98mi
3581 Sir Rogers Ct Jacksonville, FL	3.0	2.0	2197	$3,000	$1.37	16d	1	1.01mi
2001 Hodges Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1000	$1,776	$1.78	22d	15	1.17mi
2063 Las Brisas Ct Jacksonville, FL	3.0	2.0	1628	$3,095	$1.90	25d	1	1.27mi
3515 Headland Way Jacksonville, FL	3.0	2.5	1589	$3,200	$2.01	6d	1	1.28mi
13703 Richmond Park Dr N Jacksonville, FL	2.0–3.0	2.0	1122	$1,900	$1.69	4d	3	1.37mi
13703 Richmond Park Dr N Jacksonville, FL	1.0–3.0	1.0–2.0	864	$1,900	$2.20	12d	4	1.37mi
13715 Richmond Park Dr N Jacksonville, FL	2.0	2.0	1167	$1,545	$1.32	16d	1	1.39mi
13700 Richmond Park Dr N Unit 12071207 Jacksonville, FL	2.0	2.0	1229	$1,950	$1.59	9d	1	1.40mi
13727 Richmond Park Dr N #105 Jacksonville, FL	3.0	2.0	1500	$2,000	$1.33	25d	1	1.42mi
1715 Hodges Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	850	$1,893	$2.23	3d	60	1.48mi

Listing history 4 events

1. 2026-05-12
   status Pending
2. 2026-05-07
   price $235,000
3. 2026-05-06
   listed $230,000 Active
4. 1993-03-12
   soldstatus $28,500

ⓘ 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: $560 · $47/mo
• Projected year-2 tax: $1,950 · $163/mo
• Expected delta: +$1,390/yr (+$116/mo · 248.2%)

ⓘ 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 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°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 4 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,352
• − Mortgage interest: −$13,164
• − Property taxes: −$560
• − Insurance: −$1,175
• − Repairs & maintenance: −$2,428
• − Management: −$2,428
• − Depreciation: −$6,836
• Taxable income: $3,761
• Est. tax owed @ 24.0%: −$903
• After-tax cash flow: $6,552/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): 42,092
• Household income: $88,259
• Rent vs Own: 45.8% rent · 54.2% own
• Severe rent burden: 2511.0

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: White 64% Hispanic / Latino 14% Two or more races 12% Black 9% Asian 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 2%
• Common ancestry: Italian 3% Romanian 2% Slovak 2%
• Foreign-born: 15% · Canada, Jamaica, China
• Languages at home: 82% English-only · Spanish 10% Other Indo-European 3% 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: ▼ -89.64%
• Current HPI: 296.2667
• Rent YoY: ▲ 3.04%
• 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

+724.6% since first listed

4 events — show timeline

• 2026-05-12 Pending — realMLS
• 2026-05-07 Price Changed $235,000 realMLS
• 2026-05-06 Listed $230,000 realMLS
• 1993-03-12 Sold (Public Records) $28,500 Public Records

Property tax history

-1.2%/yr

Latest (2025): $560 · +48.4% YoY. Source: county tax records.