11325 Young Rd #1 · Jacksonville, FL 32218

$199,000

4 bd · 2.0 ba · 1,560 sqft · Manufactured public records · 16 Days on market

Built 2003 1.25 ac lot Est $246k · 19% under ↓ 17% since listing

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Why this score? — see what drove the B 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 +26.8/30.0
• ARV discount +15.0/15.0
• DSCR +9.2/10.0
• 1% rule +6.9/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Breathe in the fresh air and soak up the beauty of towering live oaks on this unique property, offering shade, charm, and a timeless Southern backdrop. With room to roam across the land, this is the perfect setting for your horses, livestock, and even your ATVs. The existing mobile home is ready for your vision - it will need to be remodeled. Open concept layout, upon entry you step into the large family room which leads into the kitchen. Split bedroom pattern and inside laundry. You can spread out, work the land, and still enjoy quick access to shops, dining, and schools, this property delivers it all. Bring your imagination & your animals — this is where your country lifestyle begins. Back yard is fenced; Covered front deck; Tankless Elec Water Heater. Seller is a licensed FL Real Estate Broker and has a financial interest in the property being sold. Showings are BY APPOINTMENT ONLY, please do not drive thru driveway without confirmed appt, private drive. Appliances do not convey

Key facts

• Towering live oaks
• Setting for atvs
• Setting for horses

Tags

• TOWERING LIVE OAKS
• ROOM TO ROAM
• SETTING FOR HORSES
• SETTING FOR LIVESTOCK
• SETTING FOR ATVS
• EXISTING MOBILE HOME

Property features AI

Finance

• Other: Lot approximately 1.25 acres; City street frontage
• HOA & community: Not a senior community

Exterior

• Parking: Circular driveway; Shared driveway
• Utilities: Septic tank; Electricity connected; Water connected; Sewer connected
• Home design: Manufactured home (double wide); Faces west; Current uses include residential, horses, and livestock
• Construction: Metal roof
• Exterior features: Covered front porch; Back yard fencing; Wire fencing

Interior

• Bedrooms: 4 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Tankless water heater
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $199k.

Deal economics

• At list price, monthly cash flow is $542 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $199k).
• Recommended offer: $196k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.6% 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.
• Zoned schools: Dinsmore Elementary School (math 61% / reading 47%, grade C, #936 of 2,144 statewide, top 44%, 595 students, 53% FRL); Highlands Middle School (math 31% / reading 21%, grade F, #506 of 571 statewide, top 89%, 697 students, 73% FRL).
• Market conditions: Rents soft (-0.4%/yr); 728 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 41% of the median local income ($70k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 16 days — a 2% lower offer ($196k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $20k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $196,015 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.19% ✓
• Cap rate: 9.56%
• Cash-on-cash: 11.68%
• DSCR: 1.52
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $246,480
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6244 Dunn Ave	0.28mi	3/2.0 (-1)	1,740 (+12%)	1mo	$275,000	$158	62
11743 Simmons Rd	0.67mi	3/2.0 (-1)	1,732 (+11%)	24mo	$199,900	$115	26

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: -2.3%
• Equity multiple: 0.92×
• Total profit: $-4,624
• Equity at exit: $29,672

10-year hold

• IRR: 3.9%
• Equity multiple: 1.25×
• Total profit: $13,725
• Equity at exit: $17,206

Cash invested: $55,720 (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: 7.0×

Monthly cashflow live

• Estimated rent: $2,360 high
• Mortgage (P&I): −$1,044
• Tax from tax record: −$196 /mo · $2,350/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$496
• Net cashflow: $542

Break-even live

Break-even rent $1,674

Max offer price $199,000

Occupancy floor 72%

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6407 Timber Cove Ct Jacksonville, FL	3.0	2.0	1541	$2,049	$1.33	3d	1	0.62mi
10871 Copper Creek Ct Jacksonville, FL	3.0	2.0	1457	$2,145	$1.47	14d	1	0.79mi
11614 Rainbow Springs Ct Jacksonville, FL	3.0	2.0	1605	$1,960	$1.22	17d	1	0.82mi
5689 Kellar Cir Jacksonville, FL	3.0	2.0	1544	$2,371	$1.54	1d	1	0.92mi
5190 Johnson Lake Ct Jacksonville, FL	4.0	2.0	2060	$2,275	$1.10	4d	1	1.13mi
10815 Ventnor Ave Jacksonville, FL	4.0	3.0	2006	$2,950	$1.47	23d	1	1.22mi
10815 Ventnor Ave Jacksonville, FL	4.0	3.0	2028	$2,750	$1.36	4d	1	1.22mi
5008 Bramante Dr Jacksonville, FL	4.0	2.5	1866	$2,175	$1.17	7d	1	1.36mi
7053 Civic Club Dr Jacksonville, FL	4.0	2.5	1771	$2,180	$1.23	4d	1	1.36mi

Listing history 12 events

1. 2026-06-18
   days on market $199,000 Active 16 DOM
2. 2026-06-17
   days on market $199,000 Active 15 DOM
3. 2026-06-16
   days on market $199,000 Active 14 DOM
4. 2026-06-15
   days on market $199,000 Active 13 DOM
5. 2026-06-13
   days on market $199,000 Active 11 DOM
6. 2026-06-13
   days on market $199,000 Active 10 DOM
7. 2026-06-10
   days on market $199,000 Active 7 DOM
8. 2026-06-08
   days on market $199,000 Active 6 DOM
9. 2026-06-07
   days on market $199,000 Active 5 DOM
10. 2026-06-05
    days on market $199,000 Active 2 DOM
11. 2026-06-02
    remarks 695-char remark
12. 2026-06-02
    listed $199,000 Active 1 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: $2,350 · $196/mo
• Projected year-2 tax: $2,350 · $196/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 6/10 Major
• 🌡 Heat 8/10 Severe 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 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,323
• − Mortgage interest: −$11,147
• − Property taxes: −$2,350
• − Insurance: −$995
• − Repairs & maintenance: −$2,266
• − Management: −$2,266
• − Depreciation: −$5,789
• Taxable income: $3,510
• Est. tax owed @ 24.0%: −$842
• After-tax cash flow: $5,665/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

-16.7% since first listed

6 events — show timeline

• 2026-06-02 Price Changed $199,000 realMLS
• 2026-06-01 Listed $219,000 realMLS
• 2026-05-03 Listing Removed — realMLS
• 2026-02-09 Price Changed $219,000 realMLS
• 2025-12-03 Price Changed $229,000 realMLS
• 2025-10-01 Listed $239,000 realMLS

Property tax history

+4.4%/yr

Latest (2025): $2,350 · +15.2% YoY. Source: county tax records.