None · 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 1/10 · Minimal
- 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
- 20 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 6 days/yr
Risk factors via First Street. Map © Google.
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 +14.9/30.0
- ARV discount +8.7/15.0
- DSCR +4.6/10.0
- Livability +4.2/5.0
- Schools +3.9/10.0
- 1% rule +3.1/10.0
- 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
This tastefully updated home is move-in ready! Don't let the square footage fool you. This concrete block home offers a spacious family room, dining room and great sized bedrooms! This corner lot offers plenty of room to install a pool and entertain. Close to major roadways, schools, parks, shopping, dining and more! 15 minutes to Everbank Stadium and downtown and about 20 to Mayport!
Key facts
- Storage shed
- Outdoor space
- Corner lot
Tags
Property features AI
Finance
- HOA & community: Not a senior community
Exterior
- Parking: Attached carport
- Utilities: 220 Volt electric service; Public sewer; Water available and connected; Sewer available and connected; Electricity available and connected; Natural gas available and connected; Cable available and connected
- Home design: Single Family Residence; One story, entry level 1; North-facing
- Construction: Brick construction; Shingle roof
- Exterior features: Patio; Fenced backyard; Cleared lot; Asphalt road frontage on county and state roads
Interior
- Kitchen: Dishwasher; Electric oven; Refrigerator; Electric water heater
- Bedrooms: 3 bedrooms
- Flooring: Carpet; Laminate
- Bathrooms: 1 full bathroom
- Heating & cooling: Central heating (electric); Central air (electric)
- Interior features: Unfurnished; Patio; Fenced backyard; Shed(s)
- Laundry & utility: Electric dryer hookup; Gas dryer hookup
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $179k.
Deal economics
- At list price, monthly cash flow is $52 ($625/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 $145k (19.1% below list).
- Recommended offer: $145k (19.1% below list) — sets the bar for 1% rule.
- Cap rate 6.6% 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: Arlington Elementary School (math 47% / reading 37%, grade F, #1,403 of 2,144 statewide, top 67%, 208 students, 69% FRL); Arlington Middle School (math 23% / reading 21%, grade F, #549 of 571 statewide, top 97%, 798 students, 74% FRL); Terry Parker High School (math 12% / reading 24%, grade F, #570 of 667 statewide, top 86%, 1,353 students, 66% FRL) — zoned schools average 69% FRL vs 49% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Zoned-school proficiency averages 27% at this address vs 46% district-wide (-18 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
- Market conditions: Rents rising (+2.5%/yr); 141 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 $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
- Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
- 3 sale attempts since 21y 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 $91k; list at $179k implies a 97% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
- 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.
Questions for the listing agent
- Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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?
- 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?
- 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
- 0.81% ✗
- Cap rate
- 6.64%
- Cash-on-cash
- 1.25%
- DSCR
- 1.06
- GRM
- 10.3
CMA / ARV
- ARV (on-the-fly)
- $183,752
- Comps found
- 12
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 6838 King Arthur Rd N | 0.00mi | 3/1.0 | 892 (0%) | 1mo | $170,000 | $191 | 99 |
| 1458 Domas Dr | 0.25mi | 3/1.0 | 912 (+2%) | 5mo | $185,000 | $203 | 80 |
| 7143 King Arthur Rd N | 0.30mi | 3/1.0 | 874 (-2%) | 3mo | $180,000 | $206 | 80 |
| 1709 Aletha Dr | 0.32mi | 3/1.0 | 924 (+4%) | 1mo | $194,500 | $210 | 78 |
| 1387 Griflet Rd | 0.34mi | 3/1.0 | 864 (-3%) | 2mo | $130,000 | $150 | 78 |
| 1648 Morgana Rd | 0.10mi | 3/1.0 | 912 (+2%) | 17mo | $160,000 | $175 | 78 |
| 6844 Camelot Rd | 0.14mi | 3/1.0 | 864 (-3%) | 15mo | $229,000 | $265 | 76 |
| 1434 Domas Dr | 0.27mi | 3/1.0 | 912 (+2%) | 11mo | $211,000 | $231 | 74 |
| 1517 Rogero Rd | 0.29mi | 3/1.0 | 844 (-5%) | 7mo | $140,000 | $166 | 72 |
| 1358 Domas Dr | 0.38mi | 3/2.0 | 925 (+4%) | 3mo | $210,000 | $227 | 70 |
| 1320 King Arthur Rd | 0.38mi | 3/2.0 | 930 (+4%) | 3mo | $265,000 | $285 | 69 |
| 5952 Terry Parker Dr S | 0.63mi | 3/10.0 | 988 (+11%) | 5mo | $150,000 | $152 | 28 |
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 · 2.5% rent growth · sell at horizon
- IRR
- -14.9%
- Equity multiple
- 0.47×
- Total profit
- $-26,481
- Equity at exit
- $26,689
- IRR
- -7.0%
- Equity multiple
- 0.56×
- Total profit
- $-22,006
- 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 32211
- Rents YoY
- 2.5%
- Active inventory
- 141
- Price-to-rent
- 10.3×
Monthly cashflow live
- Estimated rent
- $1,448 high interval (Pro) →
- Mortgage (P&I)
- −$939
- Tax from tax record
- −$79 /mo · $947/yr
- Insurance
- −$75
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$304
- Net cashflow
- $52
Break-even live
Sensitivity live
| Price | -10% $153 | -5% $103 | +0% $52 | +5% $1 | +10% $-49 |
|---|---|---|---|---|---|
| Rent | -10% $-62 | -5% $-5 | +0% $52 | +5% $109 | +10% $167 |
| Rate | -1.0pp $142 | -0.5pp $98 | base $52 | +0.5pp $6 | +1.0pp $-41 |
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 30 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 6311 Sprinkle Dr N Jacksonville, FL | 3.0 | 1.5 | 960 | $1,581 | $1.65 | 21d | 1 | 0.35mi |
| 1904 Shelton Rd Jacksonville, FL | 3.0 | 1.0 | 1078 | $1,485 | $1.38 | 16d | 1 | 0.52mi |
| 1217 Underhill Dr Jacksonville, FL | 2.0 | 1.0 | 1100 | $1,100 | $1.00 | 25d | 5 | 0.60mi |
| 1135 Bert Rd Jacksonville, FL | 1.0–2.0 | 1.0–1.5 | 800 | $1,200 | $1.50 | 25d | 6 | 0.62mi |
| 1600 Lansdowne Dr Jacksonville, FL | 1.0–2.0 | 1.0 | 850 | $1,049 | $1.23 | 5d | 12 | 0.80mi |
| 7201 Arlington Expy Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 934 | $1,300 | $1.39 | 6d | 14 | 0.84mi |
| 5632 Oliver St Jacksonville, FL | 3.0 | 1.0 | 1088 | $1,600 | $1.47 | 25d | 1 | 0.87mi |
| 2600 Trollie Ln Jacksonville, FL | 1.0–2.0 | 1.0–1.5 | 925 | $1,450 | $1.57 | 21d | 3 | 0.88mi |
| 851 Bert Rd #11 Jacksonville, FL | 2.0 | 2.0 | 991 | $1,250 | $1.26 | 25d | 1 | 0.88mi |
| 5640 Ansley St Jacksonville, FL | 2.0 | 1.5 | 1050 | $1,200 | $1.14 | 25d | 1 | 0.91mi |
| 7557 Arlington Expy Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 1025 | $1,799 | $1.76 | 3d | 15 | 0.93mi |
| 926 Cesery Ter Unit 2 Jacksonville, FL | 2.0 | 2.0 | 1000 | $1,445 | $1.45 | 9d | 1 | 1.01mi |
| 2681 University Blvd N Jacksonville, FL | 1.0–3.0 | 1.0–2.0 | 1050 | $1,700 | $1.62 | 25d | 1 | 1.05mi |
| 5838 Yellow Pine Ct Unit C Jacksonville, FL | 2.0 | 1.0 | 756 | $900 | $1.19 | 25d | 1 | 1.10mi |
| 7528 Arlington Expy Jacksonville, FL | 1.0–2.0 | 1.0–2.0 | 1057 | $1,325 | $1.25 | 3d | 4 | 1.11mi |
| 5455 Gable Ln Jacksonville, FL | 3.0 | 2.0 | 1092 | $1,450 | $1.33 | 25d | 1 | 1.17mi |
| 1110 Caliente Dr Jacksonville, FL | 1.0–2.0 | 1.0 | 800 | $975 | $1.22 | 25d | 3 | 1.24mi |
| 1029 Caliente Dr Jacksonville, FL | 1.0–2.0 | 1.0 | 690 | $1,095 | $1.59 | 12d | 2 | 1.25mi |
| 1200 Bretta St #2 Jacksonville, FL | 2.0 | 1.5 | 1056 | $1,200 | $1.14 | 23d | 1 | 1.27mi |
| 1200 Bretta St Jacksonville, FL | 2.0 | 1.5 | 1056 | $1,175 | $1.11 | 9d | 2 | 1.28mi |
| 6111 Shetland Rd Jacksonville, FL | 3.0 | 2.0 | 1075 | $1,595 | $1.48 | 9d | 1 | 1.31mi |
| 5511 Los Santos Way Unit 11 Jacksonville, FL | 2.0 | 1.0 | 793 | $950 | $1.20 | 25d | 1 | 1.33mi |
| 2210 Shepard St Jacksonville, FL | 2.0 | 1.0 | 987 | $1,695 | $1.72 | 23d | 1 | 1.33mi |
| 607 Garden Cliff Ct Jacksonville, FL | 2.0 | 1.0 | 1076 | $1,395 | $1.30 | 9d | 1 | 1.39mi |
| 8210 Larose Rd Jacksonville, FL | 2.0 | 2.5 | 1110 | $1,695 | $1.53 | 25d | 1 | 1.42mi |
| 855 Centennial St Jacksonville, FL | 2.0 | 2.5 | 1110 | $1,400 | $1.26 | 23d | 1 | 1.44mi |
| 840 Gate Run Rd Unit 840 Jacksonville, FL | 2.0 | 2.5 | 1110 | $1,575 | $1.42 | 25d | 1 | 1.47mi |
| 7920 Merrill Rd Jacksonville, FL | 2.0–3.0 | 2.0 | 1048 | $1,350 | $1.29 | 3d | 3 | 1.48mi |
| 7920 Merrill Rd Jacksonville, FL | 2.0–3.0 | 2.0 | 1048 | $1,400 | $1.34 | 19d | 5 | 1.48mi |
| 7920 Merrill Rd Jacksonville, FL | 2.0–3.0 | 2.0 | 1048 | $1,350 | $1.29 | 9d | 4 | 1.48mi |
Listing history 13 events
-
2026-05-02status Pending
-
2026-04-20$179,000 Active
-
2017-06-08soldstatus $91,000
-
2017-05-26soldstatus $91,000 Sold 387-char remark
Show marketing remark (387 chars)
This tastefully updated home is move-in ready! Don't let the square footage fool you. This concrete block home offers a spacious family room, dining room and great sized bedrooms! This corner lot offers plenty of room to install a pool and entertain. Close to major roadways, schools, parks, shopping, dining and more! 15 minutes to Everbank Stadium and downtown and about 20 to Mayport!
-
2017-05-20status Pending 387-char remark
Show marketing remark (387 chars)
This tastefully updated home is move-in ready! Don't let the square footage fool you. This concrete block home offers a spacious family room, dining room and great sized bedrooms! This corner lot offers plenty of room to install a pool and entertain. Close to major roadways, schools, parks, shopping, dining and more! 15 minutes to Everbank Stadium and downtown and about 20 to Mayport!
-
2017-04-27historical Active - Contingent 387-char remark
Show marketing remark (387 chars)
This tastefully updated home is move-in ready! Don't let the square footage fool you. This concrete block home offers a spacious family room, dining room and great sized bedrooms! This corner lot offers plenty of room to install a pool and entertain. Close to major roadways, schools, parks, shopping, dining and more! 15 minutes to Everbank Stadium and downtown and about 20 to Mayport!
-
2017-02-17price $99,000 387-char remark
Show marketing remark (387 chars)
This tastefully updated home is move-in ready! Don't let the square footage fool you. This concrete block home offers a spacious family room, dining room and great sized bedrooms! This corner lot offers plenty of room to install a pool and entertain. Close to major roadways, schools, parks, shopping, dining and more! 15 minutes to Everbank Stadium and downtown and about 20 to Mayport!
-
2016-12-22$99,500 Active 387-char remark
Show marketing remark (387 chars)
This tastefully updated home is move-in ready! Don't let the square footage fool you. This concrete block home offers a spacious family room, dining room and great sized bedrooms! This corner lot offers plenty of room to install a pool and entertain. Close to major roadways, schools, parks, shopping, dining and more! 15 minutes to Everbank Stadium and downtown and about 20 to Mayport!
-
2005-10-07soldstatus $112,500
-
2005-09-21soldstatus $112,500 43-char remark
Show marketing remark (43 chars)
Totally remodeled home, on nice corner lot.
-
2005-06-08$114,900 43-char remark
Show marketing remark (43 chars)
Totally remodeled home, on nice corner lot.
-
2005-02-17soldstatus $65,000
-
1974-05-10soldstatus $18,600
ⓘ 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
- $947 · $79/mo
- Projected year-2 tax
- $1,486 · $124/mo
- Expected delta
- +$539/yr (+$45/mo · 56.9%)
ⓘ 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 · 20 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $17,381
- − Mortgage interest
- −$10,027
- − Property taxes
- −$947
- − Insurance
- −$895
- − Repairs & maintenance
- −$1,391
- − Management
- −$1,391
- − Depreciation
- −$5,207
- Taxable loss
- −$2,476
- Est. tax savings @ 24.0%
- +$594
- After-tax cash flow
- $1,219/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)
- 36,762
- Household income
- $57,021
- Rent vs Own
- Severe rent burden
- 2350.0
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 0.70)
- Race & ethnicity
- White 41% Black 33% Hispanic / Latino 15% Two or more races 13% Asian 4%
- Hispanic origin (detail)
- Mexican 4% Puerto Rican 3% Cuban 3%
- Common ancestry
- Hispanic 2% Slovak 2% Lithuanian 1%
- Foreign-born
- 14% · Canada, Vietnam, Jamaica
- Languages at home
- 79% English-only · Spanish 14% French/Haitian/Cajun 2% 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
- ▼ -187.46%
- Current HPI
- 330.4724
- Rent YoY
- ▲ 2.50%
- 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
+862.4% since first listed13 events — show timeline
- 2026-05-02 Pending — realMLS
- 2026-04-20 Listed $179,000 realMLS
- 2017-06-08 Sold (Public Records) $91,000 Public Records
- 2017-05-26 Sold (MLS) $91,000 realMLS
- 2017-05-20 Pending — realMLS
- 2017-04-27 Contingent — realMLS
- 2017-02-17 Price Changed $99,000 realMLS
- 2016-12-22 Listed $99,500 realMLS
- 2005-10-07 Sold (Public Records) $112,500 Public Records
- 2005-09-21 Sold (MLS) $112,500 realMLS
- 2005-06-08 Listed $114,900 realMLS
- 2005-02-17 Sold (Public Records) $65,000 Public Records
- 1974-05-10 Sold (Public Records) $18,600 Public Records
Property tax history
+6.1%/yrLatest (2025): $947 · +23.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…