107 Birchfield Ln · World Golf Village, FL 32092

$5,000

3 bd · 2.0 ba · 1,711 sqft · SingleFamily public records · 8 Days on market

Built 2021 7,841 sqft lot

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +6.4/30.0
• Schools +6.4/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• DSCR +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends June 18, 2026 at 12:00 PM EST. Explore this charming 3-bedroom, 2-bath residence set in a peaceful and well-located Saint Augustine community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa Home App.

Key facts

• 7,841 sq ft lot
• 2 garage spots
• Built 2021

Property features AI

Finance

• Other: Property type: Residential; Property subtype: Single Family Residence; Lot size: 0.18 Acres
• Financial info: No investor or income/expense details provided
• HOA & community: No HOA details provided

Exterior

• Parking: Garage with 2 spaces
• Security: No security details provided
• Utilities: Other water source; Other sewer
• Home design: Single-family residence; One level; Planned Unit Development (PUD) zoning
• Construction: Construction materials: see remarks
• Exterior features: Front porch; Other roof

Interior

• Kitchen: No appliance details provided
• Bedrooms: Total of 1 room (room breakdown not provided)
• Flooring: Other
• Bathrooms: 2 full bathrooms
• Heating & cooling: No heating; No cooling
• Interior features: Other flooring
• Laundry & utility: No laundry details provided

🔨 Auction listing. The $5,000 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $388,397 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $-674 ($-8k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $5k).
• Cap rate 4.2% vs local median 3.0% in World Golf Village — 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 78/100 on livability (#168 in FL, #2,512 nationally) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, employment A+; Watch: amenities F, commute F.
• St. Johns (rural): math 75% / reading 73% proficiency, ranked #2 of 73 in FL (top 3%) — strong family-tenant draw, lease renewals of 3-5y typical; only 20% free/reduced lunch — higher-income household profile.
• Market conditions: Rents flat; 1323 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 5,575 units permitted in St. Johns County in 2024 (584 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
• St. Johns County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 116.5% of price.
• 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 $5,000

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 A-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: 0.66% ✗
• Cap rate: 4.21%
• Cash-on-cash: -7.43%
• DSCR: 0.67
• GRM: 12.7

CMA / ARV

• ARV (on-the-fly): $388,397
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
64 Birdfield Ct	0.11mi	3/2.0	1,710 (-0%)	9mo	$350,000	$205	87
44 Newland Ct	0.10mi	3/2.0	1,626 (-5%)	9mo	$355,000	$218	80
339 Meadow Ridge Dr	0.17mi	3/2.0	1,710 (-0%)	15mo	$419,000	$245	80
490 Meadow Ridge Dr	0.19mi	3/2.0	1,710 (-0%)	15mo	$426,000	$249	79
120 Moorcroft Way	0.08mi	3/2.0	1,864 (+9%)	7mo	$374,000	$201	76
152 Birdfield Ct	0.14mi	3/2.0	1,711 (0%)	24mo	$425,000	$248	74
21 Newland Ct	0.15mi	3/2.0	1,626 (-5%)	17mo	$370,000	$228	71
769 Trellis Bay Dr	0.36mi	4/2.0 (+1)	1,653 (-3%)	4mo	$375,000	$227	69
62 Newland Ct	0.10mi	3/2.0	1,861 (+9%)	17mo	$411,500	$221	67
701 Meadow Ridge Dr	0.12mi	3/2.0	1,864 (+9%)	18mo	$390,000	$209	65
46 Great Pond Way	0.31mi	3/2.0	1,503 (-12%)	1mo	$365,000	$243	64

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 · 0.08% rent growth · sell at horizon

5-year hold

• IRR: -32.5%
• Equity multiple: -0.04×
• Total profit: $-113,065
• Equity at exit: $57,911

10-year hold

• IRR: -59.2%
• Equity multiple: -0.67×
• Total profit: $-181,662
• Equity at exit: $33,581

Cash invested: $108,751 (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 32092

• Home prices YoY: -32.2%
• Rents YoY: 0.1%
• Active inventory: 1323
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,545 medium
• Mortgage (P&I): −$2,037
• Tax est. 1.5%: −$485 /mo · $5,826/yr
• Insurance: −$162
• HOA: −$0
• Vacancy / Maint / Mgmt: −$534
• Net cashflow: $-674

Break-even live

Break-even rent $3,398

Max offer price $290,929

Occupancy floor —

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: $97,099
• Closing costs: $11,652
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
581 Meadow Ridge Dr Saint Augustine, FL	3.0	2.0	1864	$2,250	$1.21	17d	1	0.17mi
319 Greenway Ln Saint Augustine, FL	3.0	2.0	1948	$2,850	$1.46	3d	1	0.87mi
64 Rose Dew Dr Saint Augustine, FL	3.0	2.0	1713	$2,695	$1.57	19d	1	1.11mi

Listing history 7 events

1. 2026-06-18
   days on market $5,000 Active 8 DOM
2. 2026-06-17
   days on market $5,000 Active 7 DOM
3. 2026-06-16
   days on market $5,000 Active 6 DOM
4. 2026-06-15
   days on market $5,000 Active 5 DOM
5. 2026-06-13
   days on market $5,000 Active 3 DOM
6. 2026-06-13
   remarks 303-char remark
7. 2026-06-13
   listed $5,000 Active 2 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 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 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,540
• − Mortgage interest: −$21,756
• − Property taxes: −$5,826
• − Insurance: −$1,942
• − Repairs & maintenance: −$2,443
• − Management: −$2,443
• − Depreciation: −$11,299
• Taxable loss: −$15,170
• Est. tax savings @ 24.0%: +$3,641
• After-tax cash flow: $-4,442/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: St. Johns
• NCES district ID: 1201740
• Math proficiency: 75% ▼ -5.00%
• Reading proficiency: 73% ▼ -2.00%
• Median HH income: $66,842
• Composite: 64.31/100
• National rank: #556
• State rank: #2 of 73 in FL

Livability — World Golf Village

• Score: 78/100
• State rank: #168
• US rank: #2512

Category grades

Amenities F Commute F Cost of living C Crime A+ Employment A+ Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Saint Johns County · 301,599 people
• City population: 48,288
• Metro: Jacksonville, FL
• Population (ZIP): 53,071
• Household income: $131,020
• Rent vs Own: 12.8% rent · 87.2% own
• Severe rent burden: 706.0

Population outlook (St. Johns County) Hauer SSP2

• Today (2025): 303,941 people
• By 2030: 342,590 · +12.7%
• By 2040: 417,328 · +37.3%
• By 2050: 487,011 · +60.2%
• By 2075: 635,395 · +109.1%
• By 2100: 717,469 · +136.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Two or more races 11% Hispanic / Latino 9% Black 6% Asian 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 2%
• Common ancestry: Lithuanian 3% Scotch-Irish 3% Slovak 3%
• Foreign-born: 10% · Canada, Vietnam
• Languages at home: 87% English-only · Spanish 6% Russian/Polish/Slavic 2% Other Indo-European 2%

Political lean MEDSL · St. Johns

• 2024 margin: Solid R (+31.4) · D 33.9% · R 65.2%
• 2008→2024 swing: +0.2pp no change · 2008: -31.6pp · 2024: -31.4pp
• All cycles: 2024: R+31.4 2020: R+26.7 2016: R+33.4 2012: R+37.8 2008: R+31.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -123.26%
• Current HPI: 259.732
• Rent YoY: ▲ 0.08%
• 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

1 event — show timeline

• 2026-06-10 Listed $5,000 HAOR as distributed by MLS GRID

Property tax history

+49.8%/yr

Latest (2025): $4,798 · +8.3% YoY. Source: county tax records.