936 Saranac St · Jacksonville, FL 32254

$110,000

2 bd · 1.0 ba · 682 sqft · SingleFamily public records · 320 Days on market

Built 1942 6,098 sqft lot Est $76k · 44% 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 +16.2/30.0
• Appreciation +6.7/10.0
• DSCR +5.0/10.0
• 1% rule +4.2/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

Key facts

• Newer roof
• Modern air handler
• Expansive backyard

Tags

• NEWER ROOF
• UPGRADED ELECTRICAL PANEL
• MODERN AIR HANDLER
• FULL-LENGTH BACK PORCH
• EXPANSIVE BACKYARD

Property features AI

Exterior

• Parking: Carport (1 space)
• Utilities: Cable available; Sewer connected; Water connected
• Home design: Single family residence; One story
• Construction: Shingle roof
• Exterior features: Patio; Back yard fencing; City street frontage; Asphalt road surface

Interior

• Kitchen: Electric cooktop; Electric oven; Electric range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Tile flooring

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $57 ($689/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 $101k (8.4% below list).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.9% 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 rising (+1.7%/yr); 172 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($761 loan paydown + $4k appreciation (3.4% local appreciation)).
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.4% appreciation + 1.7% rent growth), your $31k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 320 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 3y 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 $65k; list at $110k implies a 69% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 320 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1942 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.92% ✗
• Cap rate: 6.92%
• Cash-on-cash: 2.24%
• DSCR: 1.10
• GRM: 9.1

CMA / ARV

• ARV (on-the-fly): $76,384
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2670 Lowell Ave	0.09mi	2/1.0	632 (-7%)	2mo	$82,000	$130	81
2843 W 2nd St	0.44mi	2/1.0	672 (-2%)	9mo	$75,000	$112	69
750 St Clair St	0.43mi	2/1.0	761 (+12%)	2mo	$77,500	$102	59
2932 Rhonda Rd	0.42mi	2/1.0	750 (+10%)	7mo	$78,000	$104	58
3040 Columbus Ave	0.50mi	2/1.0	756 (+11%)	2mo	$130,625	$173	57
3044 Detroit Cir	0.54mi	2/1.0	700 (+3%)	19mo	$120,000	$171	55
2546 Orchard St	0.29mi	2/1.0	779 (+14%)	10mo	$47,000	$60	54
1317 St Clair St	0.51mi	2/1.0	768 (+13%)	2mo	$81,500	$106	53
3222 Warrington St	0.61mi	2/1.0	758 (+11%)	2mo	$69,900	$92	51
1132 Division St	0.66mi	3/1.0 (+1)	702 (+3%)	13mo	$121,400	$173	48
3138 N 3rd St Cir	0.73mi	2/1.0	754 (+11%)	0mo	$135,000	$179	48

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.41% appreciation · 1.7% rent growth · sell at horizon

5-year hold

• IRR: 10.1%
• Equity multiple: 1.59×
• Total profit: $18,031
• Equity at exit: $52,037

10-year hold

• IRR: 11.6%
• Equity multiple: 2.77×
• Total profit: $54,431
• Equity at exit: $82,259

Cash invested: $30,800 (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 32254

• Home prices YoY: 1.2%
• Rents YoY: 1.7%
• Active inventory: 172
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,007 high
• Mortgage (P&I): −$577
• Tax from tax record: −$116 /mo · $1,387/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$212
• Net cashflow: $57

Break-even live

Break-even rent $935

Max offer price $110,000

Occupancy floor 89%

Sensitivity live

Price	-10% $120	-5% $89	+0% $57	+5% $26	+10% $-5
Rent	-10% $-22	-5% $18	+0% $57	+5% $97	+10% $137
Rate	-1.0pp $113	-0.5pp $85	base $57	+0.5pp $29	+1.0pp $0

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1085 Saint Clair St Jacksonville, FL	1.0	1.0	600	$795	$1.32	24d	1	0.38mi
2913 W 2nd St Jacksonville, FL	2.0	1.0	720	$1,000	$1.39	2d	1	0.49mi
3359 Columbus Ave Jacksonville, FL	1.0	1.0	525	$1,000	$1.90	12d	1	0.88mi
3359 Columbus Ave Jacksonville, FL	1.0	1.0	550	$1,000	$1.82	24d	1	0.88mi
3357 Columbus Ave Jacksonville, FL	1.0	1.0	550	$1,000	$1.82	18d	1	0.88mi
3250 Phyllis St Jacksonville, FL	2.0	1.0	720	$850	$1.18	24d	1	1.13mi
3236 Phyllis St Unit 3244 Jacksonville, FL	2.0	1.0	720	$850	$1.18	24d	1	1.13mi
1943 Hardee St #2 Jacksonville, FL	1.0	1.0	459	$641	$1.40	24d	1	1.21mi
2551 Calvin St Jacksonville, FL	2.0	1.0	658	$600	$0.91	18d	1	1.28mi
2549 Calvin St Jacksonville, FL	2.0	1.0	658	$600	$0.91	18d	1	1.28mi
3138 W 15th St Jacksonville, FL	2.0	1.0	734	$1,150	$1.57	24d	1	1.29mi
3138 W 15th St Jacksonville, FL	2.0	1.0	734	$1,150	$1.57	8d	1	1.29mi
2627 Wylene St Jacksonville, FL	2.0	2.0	594	$1,400	$2.36	24d	1	1.32mi
2008 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	22d	1	1.36mi
2012 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	21d	1	1.36mi
1963 College Cir S Jacksonville, FL	1.0	1.0	450	$800	$1.78	15d	1	1.36mi
2000 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	24d	1	1.41mi
2002 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	22d	2	1.41mi
2004 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	22d	1	1.41mi
2920 Dellwood Ave Unit 4 Jacksonville, FL	1.0	1.0	650	$900	$1.38	11d	1	1.41mi
2920 Dellwood Ave #2 Jacksonville, FL	1.0	1.0	650	$900	$1.38	8d	1	1.41mi
2020 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	24d	1	1.42mi
2100 Palafox St Jacksonville, FL	2.0	1.0	750	$975	$1.30	24d	1	1.45mi
2036 W 11th St Jacksonville, FL	2.0	2.5	698	$1,250	$1.79	22d	1	1.45mi

Listing history 50 events

1. 2026-06-18
   days on market $110,000 Active 320 DOM
2. 2026-06-17
   days on market $110,000 Active 319 DOM
3. 2026-06-16
   days on market $110,000 Active 318 DOM
4. 2026-06-15
   days on market $110,000 Active 317 DOM
5. 2026-06-10
   days on market $110,000 Active 311 DOM
6. 2026-06-08
   days on market $110,000 Active 310 DOM
7. 2026-06-08
   days on market $110,000 Active 309 DOM
8. 2026-06-03
   days on market $110,000 Active 305 DOM
9. 2026-06-02
   days on market $110,000 Active 304 DOM
10. 2026-06-01
    days on market $110,000 Active 303 DOM
11. 2026-05-31
    days on market $110,000 Active 302 DOM
12. 2025-10-10
    price $110,000
13. 2025-08-23
    status Active
14. 2025-08-17
    historical Active Under Contract
15. 2025-08-02
    listed $112,000 Active
16. 2025-06-15
    historical 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

17. 2025-03-19
    status Active 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

18. 2025-03-02
    historical Active Under Contract 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

19. 2025-02-10
    price $115,000 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

20. 2025-01-27
    status Active 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

21. 2025-01-15
    historical 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

22. 2025-01-09
    status Active 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

23. 2024-10-23
    historical 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

24. 2024-09-24
    price $118,000 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

25. 2024-08-15
    price $120,000 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

26. 2024-07-18
    listed $122,000 Active 706-char remark

    Show marketing remark (706 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Investors, if you're looking for the 1% rule, this one is currently rented for $1200! it's almost impossible to find that anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

27. 2024-06-13
    historical 574-char remark

    Show marketing remark (574 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

28. 2024-05-17
    price $122,000 574-char remark

    Show marketing remark (574 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

29. 2024-02-02
    price $125,000 574-char remark

    Show marketing remark (574 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

30. 2023-12-30
    price $129,900 574-char remark

    Show marketing remark (574 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

31. 2023-12-13
    listed $135,000 Active 574-char remark

    Show marketing remark (574 chars)

    Renovated home with new roof, windows, flooring, plumbing. Plus, an updated panel box and new air handler and more! Perfect for investors, first time homeowners, or just someone looking to downsize and not have as much to take care of anymore. Lives larger than its square footage and has a beautiful full length back porch and large back yard perfect for relaxing. Also, currently there is a monthly tenant in place, which presents a favorable scenario for investors, while the option to buy and live in to make your own is an excellent option as well. Best of both worlds!

32. 2023-12-11
    status Active
33. 2023-11-03
    price $134,999
34. 2023-10-27
    price $137,999
35. 2023-10-14
    price $140,000
36. 2023-10-04
    status Active
37. 2023-09-06
    status Pending
38. 2023-09-06
    historical
39. 2023-09-06
    historical
40. 2023-09-06
    historical Active Under Contract
41. 2023-08-15
    listed $144,600 Active
42. 2023-08-14
    historical
43. 2023-08-10
    price $149,000
44. 2023-07-26
    price $159,000
45. 2023-07-20
    price $169,900
46. 2023-07-20
    listed $177,900 Active
47. 2023-05-22
    soldstatus $65,000
48. 2023-05-19
    soldstatus $65,000 Sold
49. 2023-05-09
    status Pending
50. 2023-04-28
    listed $69,990 Active

ⓘ 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: $1,387 · $116/mo
• Projected year-2 tax: $1,387 · $116/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 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,086
• − Mortgage interest: −$6,162
• − Property taxes: −$1,387
• − Insurance: −$550
• − Repairs & maintenance: −$967
• − Management: −$967
• − Depreciation: −$3,200
• Taxable loss: −$1,146
• Est. tax savings @ 24.0%: +$275
• After-tax cash flow: $964/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): 13,927
• Household income: $34,953
• Rent vs Own: 50.2% rent · 49.8% own
• Severe rent burden: 882.0

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: Black 60% White 28% Two or more races 7% Hispanic / Latino 5%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Slovak 1% Hispanic 1% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% 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: ▲ 3.41%
• Current HPI: 282.2981
• Rent YoY: ▲ 1.70%
• 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

+307.4% since first listed

42 events — show timeline

• 2025-10-10 Price Changed $110,000 realMLS
• 2025-08-23 Relisted — realMLS
• 2025-08-17 Contingent — realMLS
• 2025-08-02 Listed $112,000 realMLS
• 2025-06-15 Listing Removed — realMLS
• 2025-03-19 Relisted — realMLS
• 2025-03-02 Contingent — realMLS
• 2025-02-10 Price Changed $115,000 realMLS
• 2025-01-27 Relisted — realMLS
• 2025-01-15 Listing Removed — realMLS
• 2025-01-09 Relisted — realMLS
• 2024-10-23 Listing Removed — realMLS
• 2024-09-24 Price Changed $118,000 realMLS
• 2024-08-15 Price Changed $120,000 realMLS
• 2024-07-18 Listed $122,000 realMLS
• 2024-06-13 Listing Removed — realMLS
• 2024-05-17 Price Changed $122,000 realMLS
• 2024-02-02 Price Changed $125,000 realMLS
• 2023-12-30 Price Changed $129,900 realMLS
• 2023-12-13 Listed $135,000 realMLS
• 2023-12-11 Relisted — realMLS
• 2023-11-03 Price Changed $134,999 realMLS
• 2023-10-27 Price Changed $137,999 realMLS
• 2023-10-14 Price Changed $140,000 realMLS
• 2023-10-04 Relisted — realMLS
• 2023-09-06 Pending — realMLS
• 2023-09-06 Listing Removed — realMLS
• 2023-09-06 Listing Removed — realMLS
• 2023-09-06 Contingent — realMLS
• 2023-08-15 Listed $144,600 realMLS
• 2023-08-14 Listing Removed — realMLS
• 2023-08-10 Price Changed $149,000 realMLS
• 2023-07-26 Price Changed $159,000 realMLS
• 2023-07-20 Price Changed $169,900 realMLS
• 2023-07-20 Listed $177,900 realMLS
• 2023-05-22 Sold (Public Records) $65,000 Public Records
• 2023-05-19 Sold (MLS) $65,000 realMLS
• 2023-05-09 Pending — realMLS
• 2023-04-28 Listed $69,990 realMLS
• 2022-06-15 Sold (Public Records) $50,000 Public Records
• 1985-08-01 Sold (Public Records) $28,900 Public Records
• 1984-07-01 Sold (Public Records) $27,000 Public Records

Property tax history

+9.4%/yr

Latest (2025): $1,387 · +20.0% YoY. Source: county tax records.