3058 Date St · Jacksonville, FL 32218

$239,900

3 bd · 2.0 ba · 1,208 sqft · SingleFamily public records · 86 Days on market

Built 2026 5,227 sqft lot Est $226k · 6% over

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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 +12.5/30.0
• ARV discount +4.7/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• DSCR +3.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• 1% rule +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks

Adorable new 3 bedroom, 2 bath home close to completion; conveniently located near shopping, schools, etc. Open concept floor plan. Wood look vinyl planks in living areas, carpet in bedrooms. White cabinets, Granite counters. Stainless steel appliance package included (26cf side by side fridge w/ ice & water, self-cleaning glass top range, dishwasher and OTR microwave; RANGE & FRIDGE GO IN ABOUT A WEEK BEFORE CLOSING)). Home comes with 1yr builder warranty and termite bond. * * This home has a high performance engineered septic system which will have yearly maintenance agreement and fee. Well was done by a licensed & experienced well driller who pulled the proper well per

Key facts

• Granite counters
• 5,227 sq ft lot
• 2 garage spots

Tags

• OPEN CONCEPT FLOOR PLAN
• WOOD LOOK VINYL PLANKS
• GRANITE COUNTERS
• LICENSED WELL DRILLER

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Septic tank; Sewer not available; Water not available
• Home design: Single family residence; Residential single-family use
• Construction: Fiber cement and frame construction; Shingle roof
• Exterior features: Patio

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Breakfast bar; Open floor plan; Primary bathroom with shower (no tub)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-34 ($-405/yr) — negative.
• To cash-flow at today's rent, offer at most $234k (2.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $174k (27.5% below list).
• Recommended offer: $174k (27.5% below list) — sets the bar for 1% rule.
• Cap rate 6.1% 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 (-0.4%/yr); 728 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $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 86 days — a 6% lower offer ($226k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $33k; list at $240k implies a 627% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; 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 $173,973 (27.5% 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 86 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.73% ✗
• Cap rate: 6.12%
• Cash-on-cash: -0.60%
• DSCR: 0.97
• GRM: 11.5

CMA / ARV

• ARV (on-the-fly): $225,896
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3141 Water St	0.41mi	3/2.0	1,162 (-4%)	11mo	$310,000	$267	65
10172 Melanie Ave	0.12mi	4/2.0 (+1)	1,350 (+12%)	8mo	$125,000	$93	63
2904 Jerry Ln	0.20mi	2/1.0 (-1)	1,059 (-12%)	2mo	$200,000	$189	60
2362 Jayson Ave	0.73mi	3/2.0	1,205 (-0%)	8mo	$229,900	$191	59
3040 Trout River Blvd	0.55mi	3/2.0	1,270 (+5%)	9mo	$230,000	$181	58
2864 Leonid Rd	0.61mi	3/2.0	1,160 (-4%)	9mo	$170,000	$147	58
3046 Trout River Blvd	0.56mi	3/2.0	1,270 (+5%)	9mo	$230,000	$181	58
2350 Jayson Ave	0.73mi	3/2.0	1,205 (-0%)	9mo	$225,000	$187	58
3048 Trout River Blvd	0.56mi	3/2.0	1,270 (+5%)	12mo	$240,000	$189	56
3561 Capper Rd	0.60mi	3/2.0	1,320 (+9%)	2mo	$251,000	$190	55
2341 2nd Ave	0.62mi	3/1.0	1,104 (-9%)	8mo	$115,000	$104	46
10778 Bolyard Dr	0.58mi	3/2.0	1,368 (+13%)	9mo	$229,000	$167	44

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -20.2%
• Equity multiple: 0.31×
• Total profit: $-46,252
• Equity at exit: $35,770

10-year hold

• IRR: -20.2%
• Equity multiple: 0.06×
• Total profit: $-63,266
• Equity at exit: $20,742

Cash invested: $67,172 (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 32218

• Home prices YoY: -25.7%
• Rents YoY: -0.4%
• Active inventory: 728
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,740 high
• Mortgage (P&I): −$1,258
• Tax from tax record: −$50 /mo · $602/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$365
• Net cashflow: $-34

Break-even live

Break-even rent $1,782

Max offer price $233,932

Occupancy floor 97%

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: $59,975
• Closing costs: $7,197
• Reserves months: —
• Total cash needed: —

Rent comps 34 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3029 Bessent Rd Jacksonville, FL	3.0	2.0	1330	$1,750	$1.32	3d	1	0.13mi
2978 Centerwood Dr Jacksonville, FL	3.0	2.0	1437	$1,805	$1.26	23d	1	0.23mi
2950 Bessent Rd Jacksonville, FL	3.0	2.0	1446	$1,779	$1.23	21d	1	0.23mi
10535 Lem Turner Rd Jacksonville, FL	1.0–4.0	1.0–2.0	1012	$1,562	$1.54	3d	40	0.40mi
2482 Quail Ave Jacksonville, FL	3.0	2.0	1224	$1,850	$1.51	17d	1	0.84mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1306	$1,495	$1.14	16d	1	0.84mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1308	$1,495	$1.14	23d	1	0.84mi
2389 Hilly Rd Jacksonville, FL	3.0	1.0	908	$1,650	$1.82	23d	1	0.87mi
2462 Quail Ave Jacksonville, FL	3.0	1.5	1312	$1,397	$1.06	23d	1	0.87mi
10735 Merida Dr #14 Jacksonville, FL	4.0	2.0	1303	$1,635	$1.25	7d	1	0.88mi
9346 10th Ave Jacksonville, FL	3.0	1.0	985	$1,825	$1.85	23d	1	1.10mi
3015 Lansdell Dr Jacksonville, FL	3.0	1.0	1150	$1,350	$1.17	23d	1	1.11mi
9279 6th Ave Jacksonville, FL	3.0	2.0	1150	$1,245	$1.08	4d	1	1.14mi
9658 Gibson Ave Jacksonville, FL	3.0	1.5	977	$1,225	$1.25	23d	1	1.19mi
9565 Carbondale Dr W Unit B Jacksonville, FL	3.0	2.0	1400	$2,000	$1.43	23d	1	1.19mi
3216 Duane Ave Jacksonville, FL	2.0	1.0	748	$1,098	$1.47	7d	1	1.23mi
11211 Margarets Landing Pl Jacksonville, FL	3.0	2.0	1280	$1,826	$1.43	7d	1	1.27mi
10838 Naples Ct S Jacksonville, FL	3.0	2.0	1285	$1,755	$1.37	23d	1	1.28mi
9131 4th Ave Jacksonville, FL	3.0	2.0	1209	$1,496	$1.24	21d	1	1.28mi
3250 Soutel Dr Jacksonville, FL	3.0	2.0	1352	$1,525	$1.13	23d	1	1.29mi
9131 Jefferson Ave Jacksonville, FL	3.0	1.0	910	$1,350	$1.48	4d	1	1.30mi
9124 Adams Ave Jacksonville, FL	3.0	3.0	1207	$1,800	$1.49	23d	1	1.31mi
3344 Soutel Dr Jacksonville, FL	3.0	1.0	1142	$1,325	$1.16	23d	1	1.32mi
9141 12th Ave Jacksonville, FL	3.0	2.0	1209	$1,598	$1.32	20d	1	1.34mi
9148 13th Ave Jacksonville, FL	3.0	1.0	1126	$1,136	$1.01	4d	1	1.36mi
4212 Pointe Haven Dr N Jacksonville, FL	3.0	1.5	1054	$1,800	$1.71	23d	1	1.36mi
9037 6th Ave Jacksonville, FL	3.0	2.0	1156	$1,400	$1.21	23d	1	1.39mi
9050 7th Ave Jacksonville, FL	3.0	1.0	896	$1,485	$1.66	23d	1	1.40mi
2445 Dunn Ave Jacksonville, FL	1.0–3.0	1.0–2.0	850	$1,815	$2.14	1d	11	1.41mi
9032 8th Ave Jacksonville, FL	3.0	2.0	1300	$1,500	$1.15	23d	1	1.44mi
9017 6th Ave Jacksonville, FL	2.0	1.0	1038	$1,098	$1.06	23d	1	1.44mi
3025 Armstrong St Jacksonville, FL	3.0	2.0	1120	$1,461	$1.30	19d	1	1.45mi
11386 Margarets Landing Pl Jacksonville, FL	3.0	2.0	1280	$1,821	$1.42	21d	1	1.46mi
8973 4th Ave Jacksonville, FL	3.0	2.0	1230	$1,438	$1.17	14d	1	1.47mi

Listing history 18 events

1. 2026-06-18
   days on market $239,900 Active 86 DOM
2. 2026-06-17
   days on market $239,900 Active 85 DOM
3. 2026-06-16
   days on market $239,900 Active 84 DOM
4. 2026-06-15
   pricedays on market $239,900 Active 83 DOM
5. 2026-06-13
   days on market $244,900 Active 80 DOM
6. 2026-06-10
   days on market $244,900 Active 77 DOM
7. 2026-06-08
   days on market $244,900 Active 76 DOM
8. 2026-06-07
   days on market $244,900 Active 75 DOM
9. 2026-06-03
   days on market $244,900 Active 71 DOM
10. 2026-06-02
    days on market $244,900 Active 70 DOM
11. 2026-06-01
    days on market $244,900 Active 69 DOM
12. 2026-05-31
    days on market $244,900 Active 68 DOM
13. 2026-05-04
    price $249,900
14. 2026-04-01
    price $259,900
15. 2026-03-24
    listed $269,900 Active
16. 1997-01-10
    soldstatus $33,000
17. 1987-05-01
    soldstatus $10,000
18. 1984-05-01
    soldstatus $19,700

ⓘ 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: $602 · $50/mo
• Projected year-2 tax: $1,991 · $166/mo
• Expected delta: +$1,389/yr (+$116/mo · 230.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 72% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,877
• − Mortgage interest: −$13,438
• − Property taxes: −$602
• − Insurance: −$1,200
• − Repairs & maintenance: −$1,670
• − Management: −$1,670
• − Depreciation: −$6,979
• Taxable loss: −$4,682
• Est. tax savings @ 24.0%: +$1,124
• After-tax cash flow: $718/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): 72,905
• Household income: $69,638
• Rent vs Own: 32.7% rent · 67.3% own
• Severe rent burden: 2289.0

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 0.64)
• Race & ethnicity: Black 48% White 35% Hispanic / Latino 9% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Slovak 1% Lithuanian 1% Italian 1%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 6% French/Haitian/Cajun 1% 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: ▼ -90.73%
• Current HPI: 262.2329
• Rent YoY: ▼ -0.40%
• 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

+1168.5% since first listed

6 events — show timeline

• 2026-05-04 Price Changed $249,900 realMLS
• 2026-04-01 Price Changed $259,900 realMLS
• 2026-03-24 Listed $269,900 realMLS
• 1997-01-10 Sold (Public Records) $33,000 Public Records
• 1987-05-01 Sold (Public Records) $10,000 Public Records
• 1984-05-01 Sold (Public Records) $19,700 Public Records

Property tax history

+9.8%/yr

Latest (2025): $602 · +17.5% YoY. Source: county tax records.