3223 Hunt St · Jacksonville, FL 32254

$140,000

2 bd · 1.0 ba · 1,141 sqft · SingleFamily public records · 8 Days on market

Built 1946 4,791 sqft lot Est $167k · 16% under

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Why this score? — see what drove the C+ 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 +18.0/30.0
• ARV discount +14.7/15.0
• Appreciation +6.7/10.0
• DSCR +5.6/10.0
• 1% rule +4.4/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Property sold in its ''As-is, where-is'' condition. Seller does not prorate taxes. Buyer pays all closing costs including but not limited to any and all transfer taxes, title, legal, and recording fees. 2 Bedroom, 2 bathroom home in Jacksonville, FL. Home is in need of plumbing, kitchen, bathroom, windows, and flooring repairs. HVAC also will need to be repaired or replaced. Close to shopping stores and schools. Has great potential!

Key facts

• Renovated
• Big lot
• 4,791 sq ft lot

Tags

• RENOVATED
• BIG LOT
• WHEELCHAIR ACCESSIBLE

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Carport (1 space)
• Utilities: Public sewer; Utilities: Other
• Home design: Single-family residence
• Exterior features: Other secondary structures on the property; Lot of approximately 0.11 acres

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Has cooling (type listed as Other)
• Interior features: Electric range and refrigerator included
• Laundry & utility: Unfurnished unit (no washer/dryer specified)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $120 ($1k/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 $132k (5.9% below list).
• Recommended offer: $132k (5.9% below list) — sets the bar for 1% rule.

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: Pinedale Elementary School (math 47% / reading 32%, grade F, #1,513 of 2,144 statewide, top 73%, 426 students, 79% FRL); Lake Shore Middle School (math 25% / reading 22%, grade F, #536 of 571 statewide, top 95%, 972 students, 75% FRL); William M. Raines High School (math 14% / reading 13%, grade F, #616 of 667 statewide, top 92%, 1,217 students, 78% FRL) — zoned schools average 78% FRL vs 49% district-wide (28 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 26% at this address vs 46% district-wide (-20 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 (+1.7%/yr); 172 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 $6k of equity ($968 loan paydown + $5k 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 $39k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 20y 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 $9k; list at $140k implies a 1456% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1946 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $131,671 (5.9% below list)

Questions for the listing agent

1. Built in 1946 — 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. 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.
5. 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.
6. 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: 0.94% ✗
• Cap rate: 7.32%
• Cash-on-cash: 3.68%
• DSCR: 1.16
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $166,586
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3205 Dignan St	0.08mi	3/2.0 (+1)	1,080 (-5%)	2mo	$140,000	$130	76
3127 Dignan St	0.16mi	3/2.0 (+1)	1,197 (+5%)	2mo	$210,000	$175	74
3502 Dellwood Ave	0.53mi	3/1.0 (+1)	1,131 (-1%)	2mo	$155,000	$137	67
2908 Spencer St	0.48mi	3/2.0 (+1)	1,100 (-4%)	0mo	$158,000	$144	62
3053 Gilmore St	0.40mi	2/1.0	1,008 (-12%)	0mo	$130,000	$129	62
3557 Dillon St	0.33mi	3/1.5 (+1)	1,035 (-9%)	1mo	$180,000	$174	61
3332 Dellwood Ave	0.51mi	2/1.0	1,023 (-10%)	0mo	$184,000	$180	59
2881 Lenox Ave	0.52mi	3/1.0 (+1)	1,068 (-6%)	2mo	$90,000	$84	58
2667 Amy St	0.59mi	3/1.0 (+1)	1,038 (-9%)	0mo	$117,000	$113	52
3333 Ernest St	0.44mi	3/1.0 (+1)	984 (-14%)	1mo	$207,000	$210	51
724 James St	0.75mi	3/2.0 (+1)	1,207 (+6%)	2mo	$265,000	$220	44
2908 Broadway Ave	0.73mi	3/2.5 (+1)	1,268 (+11%)	1mo	$185,000	$146	36

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: 11.4%
• Equity multiple: 1.66×
• Total profit: $25,885
• Equity at exit: $66,229

10-year hold

• IRR: 12.7%
• Equity multiple: 2.93×
• Total profit: $75,461
• Equity at exit: $104,693

Cash invested: $39,200 (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: 8.9×

Monthly cashflow live

• Estimated rent: $1,317 high
• Mortgage (P&I): −$734
• Tax from tax record: −$128 /mo · $1,532/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $120

Break-even live

Break-even rent $1,165

Max offer price $140,000

Occupancy floor 86%

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3319 Hunt St Jacksonville, FL	3.0	1.0	924	$1,295	$1.40	24d	1	0.15mi
3318 Dignan St Jacksonville, FL	3.0	2.0	960	$1,200	$1.25	24d	1	0.15mi
3323 Nolan St Jacksonville, FL	3.0	1.0	927	$1,050	$1.13	2d	1	0.16mi
3352 Dillon St Jacksonville, FL	3.0	2.0	1229	$1,372	$1.12	24d	1	0.23mi
3035 Fitzgerald St Jacksonville, FL	2.0	1.0	900	$1,021	$1.13	3d	1	0.25mi
3515 Dignan St Jacksonville, FL	3.0	1.0	915	$1,036	$1.13	3d	1	0.27mi
3356 Lenox Ave Jacksonville, FL	2.0	1.0	899	$999	$1.11	24d	1	0.27mi
3159 Phyllis St Jacksonville, FL	3.0	2.0	1209	$1,561	$1.29	3d	1	0.28mi
3236 Phyllis St Unit 3244 Jacksonville, FL	2.0	1.0	720	$850	$1.18	24d	1	0.31mi
3250 Phyllis St Jacksonville, FL	2.0	1.0	720	$850	$1.18	24d	1	0.31mi
3550 Edison Ave Jacksonville, FL	3.0	2.0	1230	$1,463	$1.19	4d	1	0.32mi
3347 Phyllis St Jacksonville, FL	3.0	2.0	1145	$1,395	$1.22	24d	1	0.34mi
3688 Dillon St Jacksonville, FL	3.0	2.0	1230	$1,421	$1.16	24d	1	0.44mi
3312 Ernest St Jacksonville, FL	3.0	1.0	1065	$1,148	$1.08	24d	1	0.47mi
3233 Dellwood Ave Jacksonville, FL	2.0	2.0	1000	$1,750	$1.75	24d	1	0.47mi
676 Bridal Ave Jacksonville, FL	3.0	2.0	1008	$1,450	$1.44	24d	1	0.49mi
3353 Dellwood Ave Jacksonville, FL	3.0	1.0	934	$1,595	$1.71	17d	1	0.52mi
2980 Ernest St Jacksonville, FL	2.0	1.0	920	$1,200	$1.30	24d	1	0.55mi
809 McDuff Ave S Jacksonville, FL	2.0	1.0	1006	$995	$0.99	4d	1	0.58mi
3313 Green St Jacksonville, FL	3.0	1.0	1058	$1,450	$1.37	7d	1	0.59mi
3609 Dellwood Ave Jacksonville, FL	2.0	2.0	936	$1,495	$1.60	24d	1	0.60mi
420 Sunshine St Jacksonville, FL	3.0	2.0	1050	$1,350	$1.29	2d	1	0.61mi
3036 Green St Jacksonville, FL	3.0	1.0	924	$1,495	$1.62	24d	1	0.63mi
2587 Orchard St Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	7d	1	0.70mi
841 Ontario St Jacksonville, FL	2.0	1.0	1000	$1,285	$1.28	24d	1	0.70mi
2410 McQuade St Jacksonville, FL	3.0	2.0	1307	$1,425	$1.09	24d	1	0.70mi
3302 College St Jacksonville, FL	3.0	1.0	1174	$1,095	$0.93	7d	1	0.71mi
2812 Ernest St Jacksonville, FL	3.0	1.0	1461	$2,800	$1.92	24d	1	0.72mi
3352 College St Jacksonville, FL	3.0	2.0	1335	$1,550	$1.16	14d	1	0.73mi
3233 Post St Jacksonville, FL	2.0	1.0	750	$1,095	$1.46	24d	1	0.73mi
912 Huron St Jacksonville, FL	2.0	1.0	900	$1,100	$1.22	14d	1	0.81mi
4006 College St Jacksonville, FL	3.0	2.5	1208	$2,200	$1.82	12d	1	0.82mi
4006 College St Jacksonville, FL	3.0	2.5	1200	$2,200	$1.83	24d	1	0.82mi
3012 Imperial St Jacksonville, FL	3.0	1.0	1089	$1,395	$1.28	24d	1	0.83mi
975 Willow Branch Ave Jacksonville, FL	1.0	1.0	950	$1,200	$1.26	4d	1	0.83mi
3545 Cypress St Jacksonville, FL	2.0	1.0	800	$1,000	$1.25	24d	1	0.84mi
2929 Post St Jacksonville, FL	1.0	1.0	950	$1,100	$1.16	4d	1	0.84mi
2892 College St Unit 2892-2 Jacksonville, FL	1.0	1.0	700	$1,195	$1.71	17d	1	0.85mi
371 Smith St Jacksonville, FL	3.0	2.0	1050	$1,325	$1.26	4d	1	0.86mi
1035 Congleton Ter Jacksonville, FL	3.0	2.0	1180	$2,400	$2.03	2d	1	0.86mi

Listing history 7 events

1. 2026-06-18
   days on market $140,000 Active 8 DOM
2. 2026-06-17
   days on market $140,000 Active 7 DOM
3. 2026-06-16
   days on market $140,000 Active 6 DOM
4. 2026-06-15
   days on market $140,000 Active 5 DOM
5. 2026-06-13
   days on market $140,000 Active 3 DOM
6. 2026-06-13
   remarks 121-char remark
7. 2026-06-13
   listed $140,000 Active 2 DOM

ⓘ 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: $1,532 · $128/mo
• Projected year-2 tax: $1,532 · $128/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 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 19 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: $15,801
• − Mortgage interest: −$7,842
• − Property taxes: −$1,532
• − Insurance: −$700
• − Repairs & maintenance: −$1,264
• − Management: −$1,264
• − Depreciation: −$4,073
• Taxable loss: −$874
• Est. tax savings @ 24.0%: +$210
• After-tax cash flow: $1,651/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

+75.0% since first listed

23 events — show timeline

• 2026-06-03 Listed $140,000 realMLS
• 2016-05-18 Sold (MLS) $9,000 realMLS
• 2016-04-21 Pending — realMLS
• 2016-03-24 Relisted — realMLS
• 2016-03-24 Price Changed $9,900 realMLS
• 2016-02-23 Pending — realMLS
• 2015-12-12 Listed $12,900 realMLS
• 2015-11-20 Pending — realMLS
• 2015-11-20 Listing Removed — realMLS
• 2015-10-16 Relisted — realMLS
• 2015-10-16 Price Changed $15,200 realMLS
• 2015-09-30 Pending — realMLS
• 2015-09-23 Relisted — realMLS
• 2015-09-23 Price Changed $17,200 realMLS
• 2015-09-04 Pending — realMLS
• 2015-07-14 Listed $21,200 realMLS
• 2015-07-14 Price Changed $19,200 realMLS
• 2012-06-26 Listed $26,000 realMLS
• 2008-10-14 Listing Removed — realMLS
• 2008-04-14 Listed $78,000 realMLS
• 2007-11-23 Listing Removed — realMLS
• 2006-10-21 Listed $78,000 realMLS
• 2004-11-04 Sold (Public Records) $80,000 Public Records

Property tax history

+7.3%/yr

Latest (2025): $1,532 · +22.2% YoY. Source: county tax records.