17372 Firebird Dr · Jacksonville, FL 32234

$341,990

4 bd · 3.0 ba · 2,286 sqft · SingleFamily · 62 Days on market

Built 2026 Good condition 5,662 sqft lot Est $370k · 8% under $72/mo HOA · 3% of rent

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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).

• ARV discount +10.9/15.0
• Cash flow +9.2/30.0
• Appreciation +5.2/10.0
• Livability +4.2/5.0
• Condition / age +4.0/5.0
• Schools +3.9/10.0
• 1% rule +3.1/10.0
• DSCR +2.6/10.0
• Rent growth +2.5/5.0

Listing remarks

THE EMORY II | 2,286 SQUARE FEET Discover sophisticated single-level living enhanced by a bonus upstairs suite in this meticulously designed Emory II plan. The thoughtfully configured main floor centers around an open-concept heart of the home, where the gourmet kitchen flows seamlessly into inviting living spaces. DISTINCTIVE FEATURES: 4 Bedrooms | 3 Bathrooms Primary Suite on Main Level 2-Car Garage Formal Dining Room LUXURY FINISHES: Premium Benton Burlap Cabinetry Quartz Countertops Throughout Kitchen and Baths Upgraded Wood-Look Plank Flooring in Main Living Areas The kitchen serves as a natural gathering space, featuring a walk-in pantry and welcoming café are

Key facts

• Formal dining room
• Gourmet kitchen
• Walk-in pantry

Tags

• GOURMET KITCHEN
• WALK-IN PANTRY
• SPA-INSPIRED BATHROOM
• FORMAL DINING ROOM

Property features AI

Finance

• HOA & community: Community association (Sovereign and Jacobs); Quarterly association fee of $215; Association amenities: barbecue area, dog park, playground

Exterior

• Parking: Attached 2-car garage with garage door opener
• Security: Smoke detector(s)
• Utilities: Public sewer; Water available; Sewer connected; Electricity available and connected; Cable available; Natural gas not available
• Home design: Single family residence; Two levels; Facing south
• Construction: Fiber cement and frame construction; Shingle roof
• Exterior features: Covered front porch; Covered rear porch; Smoke detector(s); Cleared lot; City street frontage; Asphalt road surface

Interior

• Kitchen: Dishwasher; Disposal; Electric oven; Microwave; ENERGY STAR qualified electric water heater
• Bedrooms: 4 bedrooms (primary on the first floor)
• Flooring: Carpet; Laminate
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating (electric, heat pump); Central electric air conditioning
• Interior features: Open floorplan; Eat-in kitchen; Kitchen island; Pantry; Smart thermostat; Split bedroom layout; Walk-in closets; Private water closet; Built-in closet; 9 total rooms
• Laundry & utility: Washer hookup; Electric dryer hookup (lower level)

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $342k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-259 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $305k (11.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $276k (19.4% below list).
• Recommended offer: $276k (19.4% below list) — sets the bar for 1% rule.
• Cap rate 5.4% 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: Mamie Agnes Jones Elementary School (math 57% / reading 47%, grade C-, #990 of 2,144 statewide, top 48%, 430 students, 61% FRL); Joseph Stilwell Middle School (math 31% / reading 33%, grade F, #448 of 571 statewide, top 79%, 612 students, 68% FRL); Baldwin Middle-Senior High School (math 37% / reading 39%, grade F, #328 of 667 statewide, top 50%, 1,384 students, 43% FRL).
• Market conditions: 233 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 38% of the median local income ($87k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $4k of equity ($2k loan paydown + $2k appreciation (0.5% local appreciation)).
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 8, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 62 days — a 6% lower offer ($321k) is reasonable based on typical stale-listing flexibility.

Recommended offer $275,501 (19.4% 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 62 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 5.38%
• Cash-on-cash: -3.25%
• DSCR: 0.86
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $370,332
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14487 Firebird Dr	0.01mi	4/3.0	2,246 (-2%)	1mo	$368,400	$164	96
14394 Creekbluff Way	0.19mi	4/3.0	2,286 (0%)	1mo	$360,000	$157	90
14426 Firebird Dr	0.10mi	4/3.0	2,188 (-4%)	3mo	$355,000	$162	86
14377 Creekbluff Way	0.22mi	4/3.0	2,286 (0%)	6mo	$350,000	$153	85
14406 Creekbluff Way	0.17mi	4/3.0	2,188 (-4%)	6mo	$350,000	$160	80
14432 Firebird Dr	0.30mi	4/3.0	2,246 (-2%)	4mo	$365,000	$163	80
14444 Firebird Dr	0.30mi	4/3.0	2,246 (-2%)	5mo	$359,990	$160	79
14445 Firebird Dr	0.07mi	4/2.0	2,088 (-9%)	1mo	$359,000	$172	77
14462 Firebird Dr	0.04mi	4/2.0	2,088 (-9%)	3mo	$358,000	$171	77
14358 Creekbluff Way	0.23mi	3/3.0 (-1)	2,188 (-4%)	1mo	$349,990	$160	77
14427 Firebird Dr	0.10mi	4/2.0	2,088 (-9%)	4mo	$376,000	$180	74
14439 Firebird Dr	0.30mi	4/3.0	2,488 (+9%)	1mo	$395,500	$159	71

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

Projected returns pro-forma

0.45% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.1%
• Equity multiple: 0.80×
• Total profit: $-19,110
• Equity at exit: $107,071

10-year hold

• IRR: 1.4%
• Equity multiple: 1.16×
• Total profit: $15,747
• Equity at exit: $135,079

Cash invested: $95,757 (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 32234

• Home prices YoY: 0.2%
• Active inventory: 233
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,755 medium
• Mortgage (P&I): −$1,793
• Tax est. 1.5%: −$427 /mo · $5,130/yr
• Insurance: −$142
• HOA: −$72
• Vacancy / Maint / Mgmt: −$579
• Net cashflow: $-259

Break-even live

Break-even rent $3,083

Max offer price $304,518

Occupancy floor —

Sensitivity live

Price	-10% $-23	-5% $-141	+0% $-259	+5% $-377	+10% $-495
Rent	-10% $-477	-5% $-368	+0% $-259	+5% $-150	+10% $-41
Rate	-1.0pp $-87	-0.5pp $-172	base $-259	+0.5pp $-348	+1.0pp $-438

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: $85,498
• Closing costs: $10,260
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5724 Lagoon Cruise Way Jacksonville, FL	4.0	3.0	2494	$2,800	$1.12	6d	1	1.31mi
15180 Bareback Dr Jacksonville, FL	4.0	2.0	1840	$1,999	$1.09	5d	1	1.50mi

HOA detail

• Monthly dues: $72 · $864/yr

Listing history 15 events

1. 2026-06-21
   days on market $341,990 Active 62 DOM
2. 2026-06-18
   days on market $341,990 Active 59 DOM
3. 2026-06-17
   days on market $341,990 Active 58 DOM
4. 2026-06-16
   days on market $341,990 Active 57 DOM
5. 2026-06-15
   days on market $341,990 Active 56 DOM
6. 2026-06-13
   days on market $341,990 Active 53 DOM
7. 2026-06-10
   days on market $341,990 Active 50 DOM
8. 2026-06-08
   days on market $341,990 Active 49 DOM
9. 2026-06-07
   days on market $341,990 Active 48 DOM
10. 2026-06-05
    days on market $341,990 Active 45 DOM
11. 2026-06-03
    days on market $341,990 Active 44 DOM
12. 2026-06-02
    days on market $341,990 Active 43 DOM
13. 2026-06-01
    days on market $341,990 Active 42 DOM
14. 2026-05-31
    days on market $341,990 Active 41 DOM
15. 2026-04-20
    listed $341,990 Active

ⓘ 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: $33,060
• − Mortgage interest: −$19,157
• − Property taxes: −$5,130
• − Insurance: −$1,710
• − Repairs & maintenance: −$2,645
• − Management: −$2,645
• − HOA: −$864
• − Depreciation: −$9,949
• Taxable loss: −$9,039
• Est. tax savings @ 24.0%: +$2,169
• After-tax cash flow: $-938/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.

Condition & rehab AI · 12 photos

Good 80/100 None rehab

This home is in excellent condition with modern finishes and a well-maintained exterior. It is move-in ready and would benefit from minor updates to further enhance its value.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics
• Both Landscaping the front yard — Enhances curb appeal and adds value
• Resale Upgrading the kitchen appliances — Modern appliances improve the home's appeal to potential buyers
• Both Adding a smart home system — Improves convenience and adds value to the home

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics ↑
• Both Landscaping the front yard — Enhances curb appeal and adds value ↑
• Resale Upgrading the kitchen appliances — Modern appliances improve the home's appeal to potential buyers ↑
• Both Adding a smart home system — Improves convenience and adds value to the home ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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): 9,678
• Household income: $87,331
• Rent vs Own: 13.6% rent · 86.4% own
• Severe rent burden: 62.0

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: Predominantly White (76%)
• Race & ethnicity: White 76% Black 16% Hispanic / Latino 6% Two or more races 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Salvadoran 1%
• Common ancestry: Serbian 2% Lithuanian 1% Slovak 1%
• Foreign-born: 4% · Canada, Dominican Republic
• Languages at home: 95% English-only · Spanish 4%

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: ▲ 0.45%
• Current HPI: 288.4613
• Rent YoY: —
• 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

1 event — show timeline

• 2026-04-20 Listed $341,990 realMLS