5642 Pinebay Cir S · Jacksonville, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +15.0/15.0
- Cash flow +13.5/30.0
- 1% rule +4.5/10.0
- Livability +4.2/5.0
- DSCR +4.1/10.0
- Schools +3.9/10.0
- Rent growth +3.1/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$179,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
Key facts
- $109 HOA
- Built 1988
- Listed 106 days
Property features AI
Finance
- HOA & community: Community association (Whispering Pines); Monthly association fee of $109.80; Not a senior community
Exterior
- Parking: Off-street parking
- Utilities: Electricity connected; Water connected; Sewer connected
- Home design: Townhouse; Two levels; Property is attached
- Exterior features: Back yard fencing; Wood fence
Interior
- Kitchen: Dishwasher; Electric oven; Electric range; Refrigerator
- Bedrooms: 3 bedrooms
- Flooring: Carpet; Tile
- Bathrooms: 2 full bathrooms
- Heating & cooling: Central heating (electric); Central air conditioning (electric)
- Interior features: Unfurnished; Cable available
- Laundry & utility: Washer hookup; Electric dryer hookup
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $179k.
Deal economics
- At list price, monthly cash flow is $6 ($70/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $170k (5.0% below list).
- Recommended offer: $163k (9.0% below list) — sets the bar for market timing.
- Cap rate 6.3% 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: Venetia Elementary School (math 52% / reading 47%, grade D, #1,088 of 2,144 statewide, top 53%, 377 students, 48% FRL); Joseph Stilwell Middle School (math 31% / reading 33%, grade F, #448 of 571 statewide, top 79%, 612 students, 68% FRL); Riverside High School (math 24% / reading 39%, grade F, #424 of 667 statewide, top 64%, 1,567 students, 60% FRL).
- Market conditions: Rents rising (+2.2%/yr); 353 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 ($62k/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 $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 107 days — a 9% lower offer ($163k) is reasonable based on typical stale-listing flexibility.
- 8 sale attempts since 22y 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; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 107 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 0.95% ✗
- Cap rate
- 6.33%
- Cash-on-cash
- 0.14%
- DSCR
- 1.01
- GRM
- 8.8
CMA / ARV
- ARV (on-the-fly)
- $261,000
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 5521 Oak Crossing Dr | 0.27mi | 3/2.0 | 1,441 (-1%) | 12mo | $200,000 | $139 | 77 |
| 5457 Corky Ct | 0.62mi | 3/2.0 | 1,446 (-0%) | 2mo | $260,000 | $180 | 69 |
| 5569 Oak Crossing Dr | 0.27mi | 3/2.0 | 1,312 (-10%) | 3mo | $259,000 | $197 | 69 |
| 5581 Oak Crossing Dr | 0.27mi | 3/2.0 | 1,589 (+10%) | 4mo | $239,000 | $150 | 68 |
| 2060 Wax Myrtle Ct | 0.37mi | 2/2.0 (-1) | 1,429 (-1%) | 14mo | $250,000 | $175 | 63 |
| 2070 Tanager Dr | 0.29mi | 2/2.0 (-1) | 1,358 (-6%) | 11mo | $240,000 | $177 | 62 |
| 2071 Tanager Dr | 0.30mi | 2/2.0 (-1) | 1,293 (-11%) | 1mo | $234,000 | $181 | 62 |
| 1694 Debbie Ln | 0.62mi | 3/2.0 | 1,458 (+1%) | 10mo | $300,000 | $206 | 62 |
| 8118 Pineverde Ln | 0.60mi | 3/2.0 | 1,344 (-7%) | 9mo | $250,000 | $186 | 52 |
| 2068 Wax Myrtle Ct | 0.36mi | 3/2.0 | 1,276 (-12%) | 17mo | $250,000 | $196 | 49 |
| 5386 Tessa Ter | 0.69mi | 3/2.0 | 1,569 (+8%) | 7mo | $264,000 | $168 | 49 |
| 8128 Beatle Blvd | 0.71mi | 3/2.0 | 1,646 (+14%) | 11mo | $280,000 | $170 | 36 |
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 · 2.25% rent growth · sell at horizon
- IRR
- -16.9%
- Equity multiple
- 0.40×
- Total profit
- $-29,822
- Equity at exit
- $26,689
- IRR
- -10.3%
- Equity multiple
- 0.40×
- Total profit
- $-30,284
- Equity at exit
- $15,477
Cash invested: $50,120 (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
ZIP-level market 32244
- Home prices YoY
- -17.8%
- Rents YoY
- 2.2%
- Active inventory
- 353
- Price-to-rent
- 8.8×
Monthly cashflow live
- Estimated rent
- $1,700 high interval (Pro) →
- Mortgage (P&I)
- −$939
- Tax from tax record
- −$215 /mo · $2,578/yr
- Insurance
- −$75
- HOA
- −$109
- Vacancy / Maint / Mgmt
- −$357
- Net cashflow
- $6
Break-even live
Sensitivity live
| Price | -10% $107 | -5% $56 | +0% $6 | +5% $-45 | +10% $-96 |
|---|---|---|---|---|---|
| Rent | -10% $-128 | -5% $-61 | +0% $6 | +5% $73 | +10% $140 |
| Rate | -1.0pp $96 | -0.5pp $51 | base $6 | +0.5pp $-41 | +1.0pp $-88 |
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
- $44,750
- Closing costs
- $5,370
- 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 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5557 Greatpine Ln S Jacksonville, FL | 2.0 | 2.0 | 1210 | $1,495 | $1.24 | 23d | 1 | 0.07mi |
| 5553 Greatpine Ln S Jacksonville, FL | 2.0 | 2.0 | 1210 | $1,495 | $1.24 | 15d | 1 | 0.08mi |
| 5539 Pinebay Cir N Jacksonville, FL | 2.0 | 2.0 | 1210 | $1,350 | $1.12 | 21d | 1 | 0.12mi |
| 5524 Greatpine Ln N Jacksonville, FL | 3.0 | 2.0 | 1450 | $1,500 | $1.03 | 18d | 1 | 0.16mi |
| 5620 Collins Rd Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 936 | $1,150 | $1.23 | 19d | 1 | 0.24mi |
| 2078 Tanager Dr Orange Park, FL | 3.0 | 2.0 | 1664 | $1,970 | $1.18 | 6d | 1 | 0.26mi |
| 669 Holly Lakes Dr Orange Park, FL | 4.0 | 2.5 | 1563 | $1,850 | $1.18 | 25d | 1 | 0.29mi |
| 2066 Tanager Dr Orange Park, FL | 3.0 | 2.0 | 1617 | $2,000 | $1.24 | 12d | 1 | 0.31mi |
| 8269 Halls Hammock Ct Jacksonville, FL | 3.0 | 3.0 | 1539 | $1,699 | $1.10 | 25d | 1 | 0.33mi |
| 5258 Collins Preserve Ln Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 1002 | $2,129 | $2.12 | 5d | 49 | 0.33mi |
| 8326 Windypine Ln Jacksonville, FL | 2.0 | 2.0 | 1225 | $1,325 | $1.08 | 25d | 1 | 0.36mi |
| 8224 Halls Hammock Ct Jacksonville, FL | 3.0 | 2.5 | 1364 | $1,750 | $1.28 | 25d | 1 | 0.42mi |
| 8271 Pineverde Ln Jacksonville, FL | 2.0 | 2.0 | 1182 | $1,496 | $1.27 | 6d | 1 | 0.42mi |
| 8218 Halls Hammock Ct Jacksonville, FL | 3.0 | 2.5 | 1364 | $1,650 | $1.21 | 25d | 1 | 0.43mi |
| 85 Debarry Ave Orange Park, FL | 2.0 | 2.5 | 1170 | $1,295 | $1.11 | 25d | 1 | 0.44mi |
| 5260 Collins Rd Jacksonville, FL | 3.0 | 2.5 | 1443 | $1,575 | $1.09 | 16d | 2 | 0.44mi |
| 5260 Collins Rd #1401 Jacksonville, FL | 3.0 | 2.5 | 1596 | $1,650 | $1.03 | 9d | 1 | 0.44mi |
| 8155 Pineverde Ln Jacksonville, FL | 3.0 | 2.0 | 1426 | $1,985 | $1.39 | 18d | 1 | 0.58mi |
| 4925 Collins Rd Jacksonville, FL | 1.0–3.0 | 1.0–3.0 | 943 | $2,226 | $2.36 | 3d | 21 | 0.78mi |
| 1747 Papaya Dr N Orange Park, FL | 3.0 | 2.0 | 1273 | $1,895 | $1.49 | 9d | 1 | 0.84mi |
| 330 Canoe Cir Orange Park, FL | 3.0 | 2.0 | 1299 | $1,950 | $1.50 | 9d | 1 | 0.85mi |
| 351 Crossing Blvd Orange Park, FL | 1.0–3.0 | 1.0–2.0 | 1218 | $1,899 | $1.56 | 3d | 41 | 0.85mi |
| 1455 Beecher Ln Orange Park, FL | 3.0 | 2.0 | 1618 | $2,220 | $1.37 | 16d | 1 | 1.03mi |
| 8500 Argyle Business Loop Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 921 | $1,475 | $1.60 | 25d | 1 | 1.15mi |
| 2020 Wells Rd Orange Park, FL | 1.0–3.0 | 1.0–2.0 | 1167 | $1,595 | $1.37 | 23d | 8 | 1.21mi |
| 8550 Argyle Business Loop Jacksonville, FL | 3.0 | 2.5 | 1486 | $1,675 | $1.13 | 15d | 1 | 1.24mi |
| 8550 Argyle Business Loop Jacksonville, FL | 2.0–3.0 | 2.5–3.0 | 1331 | $1,675 | $1.26 | 4d | 2 | 1.28mi |
| 8550 Argyle Business Loop Jacksonville, FL | 3.0 | 2.5 | 1486 | $1,735 | $1.17 | 18d | 3 | 1.28mi |
| 1967 Bluebird Run W Orange Park, FL | 3.0 | 2.0 | 1461 | $1,860 | $1.27 | 5d | 1 | 1.34mi |
| 390 Dunwoodie Rd Orange Park, FL | 4.0 | 1.5 | 1652 | $1,600 | $0.97 | 23d | 1 | 1.36mi |
| 453 Bentwood Ln Unit B Orange Park, FL | 2.0 | 1.5 | 921 | $1,000 | $1.09 | 25d | 1 | 1.37mi |
| 459 Lombard St Unit 1B Orange Park, FL | 2.0 | 1.5 | 920 | $1,250 | $1.36 | 25d | 1 | 1.42mi |
| 459 Lombard St Orange Park, FL | 2.0 | 2.0 | 920 | $1,250 | $1.36 | 25d | 1 | 1.42mi |
| 460 Bentwood Ln Unit C Orange Park, FL | 2.0 | 1.5 | 922 | $1,050 | $1.14 | 25d | 1 | 1.42mi |
| 435 Sigsbee Rd Orange Park, FL | 3.0 | 2.0 | 1469 | $1,800 | $1.23 | 25d | 1 | 1.43mi |
| 470 Crabapple Ct Unit D Orange Park, FL | 2.0 | 1.5 | 920 | $1,175 | $1.28 | 25d | 1 | 1.44mi |
| 470 Crabapple Ct Unit D Orange Park, FL | 2.0 | 1.5 | 920 | $1,175 | $1.28 | 16d | 1 | 1.44mi |
| 6500 Lake Gray Blvd Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 972 | $1,819 | $1.87 | 3d | 9 | 1.45mi |
| 8529 Sturbridge Cir W Jacksonville, FL | 2.0 | 2.5 | 1264 | $1,550 | $1.23 | 25d | 1 | 1.46mi |
| 7610 Blanding Blvd Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 880 | $1,300 | $1.48 | 16d | 1 | 1.46mi |
HOA detail
- Monthly dues
- $109 · $1,308/yr
Listing history 40 events
-
2026-06-21days on market $179,000 Active 107 DOM
-
2026-06-18days on market $179,000 Active 104 DOM
-
2026-06-17days on market $179,000 Active 103 DOM
-
2026-06-16days on market $179,000 Active 102 DOM
-
2026-06-15days on market $179,000 Active 101 DOM
-
2026-06-10days on market $179,000 Active 95 DOM
-
2026-06-08days on market $179,000 Active 94 DOM
-
2026-06-07days on market $179,000 Active 93 DOM
-
2026-06-03days on market $179,000 Active 89 DOM
-
2026-06-02days on market $179,000 Active 88 DOM
-
2026-06-01days on market $179,000 Active 87 DOM
-
2026-05-31days on market $179,000 Active 86 DOM
-
2026-05-23price $179,000
-
2026-03-06$185,000 Active
-
2025-10-31historical 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2025-10-21status Active 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2025-10-21price $170,000 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2025-10-17historical 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2025-08-12historical Active Under Contract 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2025-06-02status Active 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2025-05-02historical 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2025-04-16$180,000 Active 399-char remark
Show marketing remark (399 chars)
3 bedroom,2 full bathroom townhome in Whispering Pines. Close to NAS Jax, shopping and dining. 2 bedrooms upstairs, a spacious bath with double sinks and a jetted tub. Downstairs there's a third bedroom and FULL bathroom. The open living area has sliding glass doors leading to the covered patio and a fenced backyard. HOA takes care of lawn services and limited pest control as well as the roof.
-
2022-05-06soldstatus $170,000
-
2022-04-29soldstatus $170,000 Sold
-
2022-03-31status Pending
-
2022-03-27$159,900 Active
-
2016-06-30soldstatus $65,000 Sold
-
2016-04-15status Pending
-
2016-04-13historical Active - Contingent
-
2016-04-01$58,900 Active
-
2007-01-12soldstatus $124,000
-
2007-01-02historical
-
2006-12-28soldstatus $124,000
-
2006-10-10$127,900
-
2004-09-20soldstatus $88,000
-
2004-09-11historical
-
2004-09-10soldstatus $88,000
-
2004-08-04$86,500
-
2000-05-19soldstatus $60,800
-
1988-09-01soldstatus $52,600
ⓘ 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
- $2,578 · $215/mo
- Projected year-2 tax
- $2,578 · $215/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 5/10 Major
- Heat 9/10 Extreme 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 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
- $20,399
- − Mortgage interest
- −$10,027
- − Property taxes
- −$2,578
- − Insurance
- −$895
- − Repairs & maintenance
- −$1,632
- − Management
- −$1,632
- − HOA
- −$1,308
- − Depreciation
- −$5,207
- Taxable loss
- −$2,880
- Est. tax savings @ 24.0%
- +$691
- After-tax cash flow
- $761/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
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)
- 63,592
- Household income
- $62,204
- Rent vs Own
- Severe rent burden
- 2799.0
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
- Highly diverse neighborhood (Simpson 0.70)
- Race & ethnicity
- White 39% Black 35% Hispanic / Latino 15% Two or more races 10% Asian 6%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 6% Cuban 3%
- Common ancestry
- Hispanic 1% Lithuanian 1% Romanian 1%
- Foreign-born
- 12% · Canada, Vietnam, China
- Languages at home
- 83% English-only · Spanish 9% Tagalog/Filipino 3% French/Haitian/Cajun 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
- ▼ -64.22%
- Current HPI
- 296.5375
- Rent YoY
- ▲ 2.25%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+240.3% since first listed28 events — show timeline
- 2026-05-23 Price Changed $179,000 realMLS
- 2026-03-06 Listed $185,000 realMLS
- 2025-10-31 Listing Removed — realMLS
- 2025-10-21 Relisted — realMLS
- 2025-10-21 Price Changed $170,000 realMLS
- 2025-10-17 Listing Removed — realMLS
- 2025-08-12 Contingent — realMLS
- 2025-06-02 Relisted — realMLS
- 2025-05-02 Listing Removed — realMLS
- 2025-04-16 Listed $180,000 realMLS
- 2022-05-06 Sold (Public Records) $170,000 Public Records
- 2022-04-29 Sold (MLS) $170,000 realMLS
- 2022-03-31 Pending — realMLS
- 2022-03-27 Listed $159,900 realMLS
- 2016-06-30 Sold (MLS) $65,000 realMLS
- 2016-04-15 Pending — realMLS
- 2016-04-13 Contingent — realMLS
- 2016-04-01 Listed $58,900 realMLS
- 2007-01-12 Sold (Public Records) $124,000 Public Records
- 2007-01-02 Listing Removed — realMLS
- 2006-12-28 Sold (MLS) $124,000 realMLS
- 2006-10-10 Listed $127,900 realMLS
- 2004-09-20 Sold (Public Records) $88,000 Public Records
- 2004-09-11 Listing Removed — realMLS
- 2004-09-10 Sold (MLS) $88,000 realMLS
- 2004-08-04 Listed $86,500 realMLS
- 2000-05-19 Sold (Public Records) $60,800 Public Records
- 1988-09-01 Sold (Public Records) $52,600 Public Records
Property tax history
+9.5%/yrLatest (2025): $2,578 · +9.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…