Symphony Plan · Yulee, FL 32097

$437,490

5 bd · 3.0 ba · 2,296 sqft · SingleFamily · 183 Days on market

---

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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.9/30.0
• Schools +6.0/10.0
• Livability +3.3/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• 1% rule +1.8/10.0
• DSCR +1.1/10.0

Listing remarks

Introducing the new Symphony floorplan, a single-story home design that blends style, comfort, and functionality. Its open-concept layout offers a seamless transition from the spacious kitchen to the dining and gathering areas, creating an inviting environment that enhances everyday living.

Key facts

• Spacious kitchen
• Open-concept layout
• 2 garage spots

Tags

• SINGLE-STORY HOME DESIGN
• OPEN-CONCEPT LAYOUT
• SPACIOUS KITCHEN
• DINING AND GATHERING AREAS

Property features AI

Finance

• Financial info: List price $434,990

Exterior

• Parking: 2 total parking spaces; 2-car garage
• Home design: Single-family plan (Symphony); Active listing
• Exterior features: Address: 400 Peppervine Way, Wildlight, FL 32097

Interior

• Bedrooms: 5 bedrooms
• Bathrooms: 3 full bathrooms
• Interior features: Plan: Symphony (new construction plan); Living area of 2,296

🏗️ New construction. The $437,490 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $534,968.

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $437k.

Deal economics

• At list price, monthly cash flow is $-811 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $418k (4.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $365k (16.5% below list).
• Recommended offer: $365k (16.5% below list) — sets the bar for 1% rule.
• Cap rate 4.5% vs local median 3.4% in Yulee — 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 66/100 on livability (#605 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A-, crime B+; Watch: amenities F, commute F, health & safety F.
• Nassau (town): math 74% / reading 65% proficiency, ranked #4 of 73 in FL (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+2.9%/yr); 596 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 953 units permitted in Nassau County in 2024 (24 in 5+ unit buildings).
• At $3,654/mo this rent would consume 47% of the median local household income ($93k/yr) (locally 404% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $57k of equity ($4k loan paydown + $53k appreciation (10.0% local appreciation)).
• Nassau County population projected at +17% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$92k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 183 days — a 12% lower offer ($385k) is reasonable based on typical stale-listing flexibility.

Recommended offer $365,384 (16.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 183 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
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: 0.68% ✗
• Cap rate: 4.47%
• Cash-on-cash: -6.49%
• DSCR: 0.71
• GRM: 12.2

CMA / ARV

• ARV (on-the-fly): $534,968
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
295 Westerly Dr	0.16mi	4/3.0 (-1)	2,139 (-7%)	0mo	$446,590	$209	76
493 Peppervine Way	0.11mi	4/3.0 (-1)	2,139 (-7%)	4mo	$479,000	$224	76
425 Sweetgum St	0.56mi	4/3.0 (-1)	2,400 (+4%)	10mo	$558,000	$233	53
583 Buttonwood Loop	0.60mi	4/2.5 (-1)	2,479 (+8%)	0mo	$450,000	$182	51
247 Sawgrass Dr	0.72mi	4/3.0 (-1)	2,280 (-1%)	13mo	$615,000	$270	49
231 Sawgrass Dr	0.72mi	4/3.0 (-1)	2,236 (-3%)	23mo	$547,750	$245	38

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

Projected returns pro-forma

10.0% appreciation · 2.88% rent growth · sell at horizon

5-year hold

• IRR: 19.7%
• Equity multiple: 2.60×
• Total profit: $239,350
• Equity at exit: $481,942

10-year hold

• IRR: 18.0%
• Equity multiple: 5.97×
• Total profit: $744,662
• Equity at exit: $1,039,325

Cash invested: $149,791 (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 32097

• Home prices YoY: 19.5%
• Rents YoY: 2.9%
• Active inventory: 596
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $3,654 medium
• Mortgage (P&I): −$2,805
• Tax est. 1.5%: −$669 /mo · $8,025/yr
• Insurance: −$223
• HOA: −$0
• Vacancy / Maint / Mgmt: −$767
• Net cashflow: $-811

Break-even live

Break-even rent $4,680

Max offer price $417,686

Occupancy floor —

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: $133,742
• Closing costs: $16,049
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
467 Blue Daze St Yulee, FL	5.0	3.0	2696	$3,450	$1.28	4d	1	0.67mi
351 Sawgrass Dr Yulee, FL	5.0	4.0	3332	$3,995	$1.20	23d	1	0.81mi

Listing history 14 events

1. 2026-06-18
   days on market $437,490 Active 183 DOM
2. 2026-06-17
   days on market $437,490 Active 182 DOM
3. 2026-06-16
   days on market $437,490 Active 181 DOM
4. 2026-06-15
   days on market $437,490 Active 180 DOM
5. 2026-06-13
   days on market $437,490 Active 178 DOM
6. 2026-06-13
   days on market $437,490 Active 177 DOM
7. 2026-06-09
   days on market $437,490 Active 174 DOM
8. 2026-06-08
   days on market $437,490 Active 173 DOM
9. 2026-06-07
   days on market $437,490 Active 172 DOM
10. 2026-06-05
    pricedays on market $437,490 Active 169 DOM
11. 2026-06-03
    days on market $434,990 Active 168 DOM
12. 2026-06-02
    days on market $434,990 Active 167 DOM
13. 2026-06-01
    days on market $434,990 Active 166 DOM
14. 2026-05-31
    days on market $434,990 Active 165 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $43,846
• − Mortgage interest: −$29,967
• − Property taxes: −$8,025
• − Insurance: −$2,675
• − Repairs & maintenance: −$3,508
• − Management: −$3,508
• − Depreciation: −$15,563
• Taxable loss: −$19,398
• Est. tax savings @ 24.0%: +$4,655
• After-tax cash flow: $-5,071/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: Nassau
• NCES district ID: 1201350
• Math proficiency: 74% ▼ -2.00%
• Reading proficiency: 65% ▼ -2.00%
• Median HH income: $58,267
• Composite: 59.79/100
• National rank: #899
• State rank: #4 of 73 in FL

Livability — Yulee

• Score: 66/100
• State rank: #605
• US rank: #11615

Category grades

Amenities F Commute F Cost of living A- Crime B+ Employment B+ Housing A+ Health & safety F User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Nassau County · 67,729 people
• City population: 26,700
• Metro: Jacksonville, FL
• Population (ZIP): 26,700
• Household income: $93,161
• Rent vs Own: 19.8% rent · 80.2% own
• Severe rent burden: 404.0

Population outlook (Nassau County) Hauer SSP2

• Today (2025): 88,419 people
• By 2030: 92,679 · +4.8%
• By 2040: 99,257 · +12.3%
• By 2050: 103,378 · +16.9%
• By 2075: 109,726 · +24.1%
• By 2100: 107,006 · +21.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Two or more races 9% Black 9% Hispanic / Latino 8% Asian 1% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Lithuanian 4% Italian 3% Romanian 2%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 93% English-only · Spanish 5% Vietnamese 1%

Political lean MEDSL · Nassau

• 2024 margin: Solid R (+46.9) · D 26.1% · R 73.1%
• 2008→2024 swing: -3.1pp toward R · 2008: -43.8pp · 2024: -46.9pp
• All cycles: 2024: R+46.9 2020: R+45.9 2016: R+50.2 2012: R+48.6 2008: R+43.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 49.35%
• Current HPI: 301.9299
• Rent YoY: ▲ 2.88%
• 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