10254 Roadway Dr · Jacksonville, FL 32225

$143,900

3 bd · 2.0 ba · 1,344 sqft · Manufactured public records · 66 Days on market

Built 1989 6,969 sqft lot

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Why this score? — see what drove the B- 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This mobile home offers a great opportunity for affordable living just minutes from the beach and local shopping. With a roof replaced in 2021, and well and septic systems in place, you'll enjoy savings on monthly utility costs. The property is being sold as-is, and the seller will make no repairs—perfect for someone looking to add their own updates or for an investor seeking potential. Whether you're looking for a primary residence or a rental property, this home offers value and convenience. Schedule your showing today! All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

Key facts

• Generously sized lot
• Split floor plan
• Cul-de-sac

Tags

• CUL-DE-SAC
• GENEROUSLY SIZED LOT
• SPLIT FLOOR PLAN
• ROOF REPLACED

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Other parking
• Utilities: Septic tank sewer; Other utilities
• Home design: Manufactured home; Used for residential/manufactured home
• Exterior features: Front porch; Chain link fencing

Interior

• Kitchen: Electric cooktop; Electric oven; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Ceiling fan(s); Pantry; Primary bathroom with tub and separate shower; Split bedroom layout; One fireplace
• Laundry & utility: Washer hookup; Electric dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $144k.

Deal economics

• At list price, monthly cash flow is $552 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $144k).
• Recommended offer: $135k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.9% vs local median 4.0% 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.
• Market conditions: Rents soft (-1.4%/yr); 222 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals leasing fast (median 8d on market — plan ~1-2 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 $995 of loan paydown is wiped out by about $4k 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 66 days — a 6% lower offer ($135k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 24y 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 $40k; list at $144k implies a 260% 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 $135,266 (6.0% below list)

Questions for the listing agent

1. It's been on market 66 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
6. 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.
7. 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: 1.33% ✓
• Cap rate: 10.90%
• Cash-on-cash: 16.44%
• DSCR: 1.73
• GRM: 6.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 4.1%
• Equity multiple: 1.15×
• Total profit: $6,239
• Equity at exit: $21,456

10-year hold

• IRR: 10.7%
• Equity multiple: 1.72×
• Total profit: $29,057
• Equity at exit: $12,442

Cash invested: $40,292 (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 32225

• Rents YoY: -1.4%
• Active inventory: 222
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,914 high
• Mortgage (P&I): −$755
• Tax from tax record: −$146 /mo · $1,749/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$402
• Net cashflow: $552

Break-even live

Break-even rent $1,216

Max offer price $143,900

Occupancy floor 66%

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: $35,975
• Closing costs: $4,317
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10120 Pontiac Dr Jacksonville, FL	3.0	2.0	1209	$1,775	$1.47	21d	1	0.17mi
10434 Seal Rd Jacksonville, FL	4.0	2.0	1761	$2,095	$1.19	21d	1	0.21mi
881 Jackson Rd Jacksonville, FL	3.0	2.0	1336	$1,960	$1.47	12d	1	0.35mi
10178 Geni Hill Cir N Jacksonville, FL	3.0	2.0	1155	$1,850	$1.60	7d	1	0.40mi
1120 Creeks Ridge Rd Jacksonville, FL	3.0	2.0	1434	$2,090	$1.46	21d	1	0.50mi
1132 Brookwood Bluff Rd E Jacksonville, FL	3.0	2.0	1415	$1,800	$1.27	21d	1	0.55mi
1114 Romaine Cir W Jacksonville, FL	3.0	2.5	1392	$1,575	$1.13	23d	1	0.56mi
396 Regency Wood Dr #17 Jacksonville, FL	3.0	2.5	1800	$2,010	$1.12	14d	1	0.69mi
401 Monument Rd Jacksonville, FL	3.0	1.0–2.0	753	$1,600	$2.12	10d	8	0.72mi
653 Monument Rd Jacksonville, FL	1.0–3.0	1.0–2.0	983	$1,924	$1.96	1d	19	0.77mi
1385 Brookwood Forest Blvd Jacksonville, FL	1.0–2.0	1.0–2.0	825	$1,480	$1.79	1d	37	0.78mi
1721 Anniston Rd Jacksonville, FL	1.0–3.0	1.0–2.0	850	$1,595	$1.88	7d	1	0.98mi
1700 Mindanao Dr Jacksonville, FL	2.0	1.0	1075	$1,446	$1.35	1d	6	1.05mi
1141 Kendall Town Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1137	$1,989	$1.75	23d	1	1.17mi
1290 Kendall Town Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1002	$2,028	$2.02	1d	34	1.26mi
2057 Glen Gardner Dr Jacksonville, FL	4.0	2.0	1696	$1,850	$1.09	20d	1	1.30mi
10334 Bradley Rd Jacksonville, FL	3.0	2.0	1153	$1,980	$1.72	7d	1	1.35mi
1458 Landau Rd Jacksonville, FL	2.0	2.5	1076	$1,465	$1.36	23d	1	1.38mi
11110 Atlantic Blvd Jacksonville, FL	3.0	2.0	1100	$1,570	$1.43	4d	1	1.40mi
11110 Atlantic Blvd Jacksonville, FL	2.0	2.0	925	$1,475	$1.59	3d	1	1.40mi
1462 Solera Ter Jacksonville, FL	1.0–3.0	1.0–2.0	1096	$2,000	$1.82	2d	1	1.42mi
1521 Fieldview Dr Jacksonville, FL	2.0	2.5	1072	$1,495	$1.39	23d	1	1.43mi
1468 Pitney Cir Jacksonville, FL	2.0	2.5	1076	$1,650	$1.53	7d	1	1.44mi
1496 Fieldview Dr Jacksonville, FL	2.0	2.5	1008	$1,400	$1.39	7d	1	1.44mi
9105 Tredinick Pkwy Jacksonville, FL	1.0–3.0	1.0–2.5	1018	$2,200	$2.16	1d	26	1.46mi
2130 Liscard Rd W Jacksonville, FL	4.0	2.0	1700	$2,020	$1.19	23d	1	1.47mi
1573 Landau Rd Jacksonville, FL	3.0	2.5	1480	$1,700	$1.15	7d	1	1.47mi

Listing history 15 events

1. 2026-05-15
   status Active
2. 2026-04-09
   status Pending
3. 2026-02-13
   listed $143,900 Active
4. 2025-12-09
   historical 849-char remark

   Show marketing remark (849 chars)

   This mobile home offers a great opportunity for affordable living just minutes from the beach and local shopping. With a roof replaced in 2021, and well and septic systems in place, you'll enjoy savings on monthly utility costs. The property is being sold as-is, and the seller will make no repairs—perfect for someone looking to add their own updates or for an investor seeking potential. Whether you're looking for a primary residence or a rental property, this home offers value and convenience. Schedule your showing today! All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

5. 2025-09-15
   price $144,000

   Show marketing remark (849 chars)

   This mobile home offers a great opportunity for affordable living just minutes from the beach and local shopping. With a roof replaced in 2021, and well and septic systems in place, you'll enjoy savings on monthly utility costs. The property is being sold as-is, and the seller will make no repairs—perfect for someone looking to add their own updates or for an investor seeking potential. Whether you're looking for a primary residence or a rental property, this home offers value and convenience. Schedule your showing today! All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

6. 2025-09-15
   price $144,000 849-char remark

   Show marketing remark (849 chars)

   This mobile home offers a great opportunity for affordable living just minutes from the beach and local shopping. With a roof replaced in 2021, and well and septic systems in place, you'll enjoy savings on monthly utility costs. The property is being sold as-is, and the seller will make no repairs—perfect for someone looking to add their own updates or for an investor seeking potential. Whether you're looking for a primary residence or a rental property, this home offers value and convenience. Schedule your showing today! All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

7. 2025-08-07
   listed $149,000 Active 849-char remark

   Show marketing remark (849 chars)

   This mobile home offers a great opportunity for affordable living just minutes from the beach and local shopping. With a roof replaced in 2021, and well and septic systems in place, you'll enjoy savings on monthly utility costs. The property is being sold as-is, and the seller will make no repairs—perfect for someone looking to add their own updates or for an investor seeking potential. Whether you're looking for a primary residence or a rental property, this home offers value and convenience. Schedule your showing today! All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.

8. 2017-03-15
   soldstatus $40,000 Sold
9. 2017-02-24
   status Pending
10. 2017-02-14
    listed $45,000 Active
11. 2010-11-07
    historical
12. 2010-02-09
    listed $79,900
13. 2002-10-11
    soldstatus $48,800
14. 2002-07-10
    listed $49,900
15. 1995-03-10
    soldstatus $25,000

ⓘ 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: $1,749 · $146/mo
• Projected year-2 tax: $1,749 · $146/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 4/10 Moderate FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 3/10 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 4 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,973
• − Mortgage interest: −$8,061
• − Property taxes: −$1,749
• − Insurance: −$720
• − Repairs & maintenance: −$1,838
• − Management: −$1,838
• − Depreciation: −$4,186
• Taxable income: $4,582
• Est. tax owed @ 24.0%: −$1,100
• After-tax cash flow: $5,525/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): 55,905
• Household income: $90,559
• Rent vs Own: 31.6% rent · 68.4% own
• Severe rent burden: 1670.0

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 0.61)
• Race & ethnicity: White 59% Hispanic / Latino 14% Two or more races 14% Black 14% Asian 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 5% Cuban 1%
• Common ancestry: Serbian 3% Slovak 2% Romanian 2%
• Foreign-born: 13% · Canada, Jamaica, South Korea
• Languages at home: 82% English-only · Spanish 9% Tagalog/Filipino 2% Other Indo-European 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: ▼ -191.73%
• Current HPI: 307.1292
• Rent YoY: ▼ -1.45%
• 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

+475.6% since first listed

15 events — show timeline

• 2026-05-15 Relisted — realMLS
• 2026-04-09 Pending — realMLS
• 2026-02-13 Listed $143,900 realMLS
• 2025-12-09 Listing Removed — realMLS
• 2025-09-15 Price Changed $144,000 St. Augustine and St. Johns County Board of REALTORS®
• 2025-09-15 Price Changed $144,000 realMLS
• 2025-08-07 Listed $149,000 realMLS
• 2017-03-15 Sold (MLS) $40,000 realMLS
• 2017-02-24 Pending — realMLS
• 2017-02-14 Listed $45,000 realMLS
• 2010-11-07 Listing Removed — realMLS
• 2010-02-09 Listed $79,900 realMLS
• 2002-10-11 Sold (MLS) $48,800 realMLS
• 2002-07-10 Listed $49,900 realMLS
• 1995-03-10 Sold (Public Records) $25,000 Public Records

Property tax history

+8.1%/yr

Latest (2025): $1,749 · +19.2% YoY. Source: county tax records.