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D Composite 44.87
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

None · Jacksonville, FL 32211
3 bd · 1.0 ba · 892 sqft · SingleFamily public records · 12 Days on market
Built 1953 9,147 sqft lot Est $184k · at est.

🖨 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

ROOF LESS THAN 3 YEARS OLDCONCRETE BLOCK CONSTRUCTIONCORNER LOTFULLY FENCED BACKYARDSTORAGE SHEDOUTDOOR SPACE

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

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

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.
Recommended offer $144,845 (19.1% below list)

Questions for the listing agent

  1. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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?
  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
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

5-year hold
IRR
-14.9%
Equity multiple
0.47×
Total profit
$-26,481
Equity at exit
$26,689
10-year hold
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
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

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

Break-even rent $1,383
Max offer price $179,000
Occupancy floor 91%

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

AddressBedsBaths SqftRent$/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

  1. 2026-05-02
    status Pending
  2. 2026-04-20
    listed $179,000 Active
  3. 2017-06-08
    soldstatus $91,000
  4. 2017-05-26
    soldstatus $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!

  5. 2017-05-20
    status 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!

  6. 2017-04-27
    historical 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!

  7. 2017-02-17
    price $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!

  8. 2016-12-22
    listed $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!

  9. 2005-10-07
    soldstatus $112,500
  10. 2005-09-21
    soldstatus $112,500 43-char remark
    Show marketing remark (43 chars)

    Totally remodeled home, on nice corner lot.

  11. 2005-06-08
    listed $114,900 43-char remark
    Show marketing remark (43 chars)

    Totally remodeled home, on nice corner lot.

  12. 2005-02-17
    soldstatus $65,000
  13. 1974-05-10
    soldstatus $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

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Walkable amenities ~0.75 mi

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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
combined federal + state — saved on this device
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

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)
36,762
Household income
$57,021
Rent vs Own
44.3% rent · 55.7% 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

Price history

+862.4% since first listed
13 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%/yr

Latest (2025): $947 · +23.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…