5926 Dunmire Ave · Jacksonville, FL 32219

$87,999

3 bd · 1.0 ba · 792 sqft · SingleFamily public records · 19 Days on market

Built 1967 4,791 sqft lot Est $63k · 39% over

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Value-add opportunity! This 3-bedroom, 1-bath home offers strong upside potential with approximately $26K in repairs, making it an excellent option for investors seeking an estimated annual return of 10-12%. The property features a functional layout, a utility room with washer/dryer hookups, additional storage space, and a spacious driveway accommodating up to three vehicles. Major updates include a new A/C (2024) and water heater (2022). Located in a quiet neighborhood with easy access to schools and major roads, with an estimated rental potential of approximately $1,100 per month. Investors welcome. Vacant and easy to show! Bring your offer today!

Key facts

• Utility room
• Cosmetic updates
• New roof

Tags

• NEW ROOF
• SEPTIC SYSTEM REPAIRS
• COSMETIC UPDATES
• UTILITY ROOM
• ADDITIONAL STORAGE SPACE
• DRIVEWAY WITH PARKING

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Assigned parking
• Utilities: Septic tank; Electricity available; Water available; Asphalt road access
• Home design: Single family residence; One story; Entry level: 1; North-facing
• Construction: Shingle roof
• Exterior features: Front porch; Rear porch; Porch

Interior

• Kitchen: Electric range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: In-unit laundry
• Laundry & utility: Washer/Dryer in unit

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $88k.

Deal economics

• At list price, monthly cash flow is $566 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $88k).
• Recommended offer: $87k (1.5% below list) — sets the bar for market timing.
• Cap rate 14.0% 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: Grasp Academy (math 18% / reading 14%, grade F, #2,130 of 2,144 statewide, top 99%, 271 students, 52% FRL); Jean Ribault Middle School (math 28% / reading 24%, grade F, #506 of 571 statewide, top 89%, 679 students, 78% FRL); Jean Ribault High School (math 22% / reading 25%, grade F, #533 of 667 statewide, top 80%, 1,385 students, 71% FRL) — zoned schools average 67% FRL vs 49% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 22% at this address vs 46% district-wide (-24 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.2%/yr); 549 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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 $608 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $25k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($87k) is reasonable based on typical stale-listing flexibility.
• 17 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.

Risks & watch-outs

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

Recommended offer $86,679 (1.5% below list)

Questions for the listing agent

1. Built in 1967 — 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: 1.79% ✓
• Cap rate: 14.02%
• Cash-on-cash: 27.59%
• DSCR: 2.23
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $63,360
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8139 Pipit Ave	0.54mi	2/1.0 (-1)	858 (+8%)	1mo	$69,000	$80	56

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: 18.0%
• Equity multiple: 1.70×
• Total profit: $17,274
• Equity at exit: $13,121

10-year hold

• IRR: 24.1%
• Equity multiple: 2.78×
• Total profit: $43,955
• Equity at exit: $7,609

Cash invested: $24,640 (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 32219

• Home prices YoY: -22.3%
• Rents YoY: -0.2%
• Active inventory: 549
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,572 high
• Mortgage (P&I): −$461
• Tax from tax record: −$177 /mo · $2,129/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$330
• Net cashflow: $566

Break-even live

Break-even rent $855

Max offer price $87,999

Occupancy floor 59%

Sensitivity live

Price	-10% $616	-5% $591	+0% $566	+5% $542	+10% $517
Rent	-10% $442	-5% $504	+0% $566	+5% $629	+10% $691
Rate	-1.0pp $611	-0.5pp $589	base $566	+0.5pp $544	+1.0pp $520

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: $22,000
• Closing costs: $2,640
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7623 John F Kennedy Dr E Jacksonville, FL	3.0	1.5	1008	$1,501	$1.49	25d	1	0.16mi
8119 Siskin Ave Jacksonville, FL	2.0	2.0	1102	$1,650	$1.50	25d	1	0.46mi
8119 Siskin Ave Jacksonville, FL	2.0	2.0	1102	$1,650	$1.50	19d	1	0.46mi
7860 Rondo Ave Jacksonville, FL	3.0	2.0	1064	$1,410	$1.33	9d	1	0.62mi
9206 Greenleaf Rd Jacksonville, FL	3.0	1.5	888	$1,400	$1.58	19d	1	0.91mi
6718 Gaspar Cir W Jacksonville, FL	3.0	2.0	1068	$1,305	$1.22	25d	1	1.00mi
6705 Gaspar Cir E Jacksonville, FL	3.0	1.5	1116	$1,254	$1.12	19d	1	1.01mi
4935 Portsmouth Ave Jacksonville, FL	3.0	1.0	894	$1,163	$1.30	12d	1	1.21mi
4655 Ken Knight Dr N Jacksonville, FL	2.0	1.0	646	$600	$0.93	25d	1	1.30mi
9436 Gisborne Dr Jacksonville, FL	3.0	1.5	950	$1,440	$1.52	22d	1	1.31mi
4543 Moncrief Rd W Jacksonville, FL	2.0	1.0	950	$1,075	$1.13	9d	1	1.33mi
4440 Ken Knight Dr N Jacksonville, FL	2.0	1.0	716	$650	$0.91	16d	1	1.45mi
9348 Culpeper Ave Jacksonville, FL	3.0	1.0	882	$1,195	$1.35	25d	1	1.50mi

Listing history 13 events

1. 2026-06-21
   days on market $87,999 Active 19 DOM
2. 2026-06-18
   days on market $87,999 Active 16 DOM
3. 2026-06-17
   days on market $87,999 Active 15 DOM
4. 2026-06-16
   days on market $87,999 Active 14 DOM
5. 2026-06-15
   days on market $87,999 Active 13 DOM
6. 2026-06-13
   days on market $87,999 Active 11 DOM
7. 2026-06-13
   days on market $87,999 Active 10 DOM
8. 2026-06-10
   days on market $87,999 Active 7 DOM
9. 2026-06-08
   days on market $87,999 Active 6 DOM
10. 2026-06-07
    days on market $87,999 Active 5 DOM
11. 2026-06-05
    days on market $87,999 Active 2 DOM
12. 2026-06-02
    remarks 699-char remark
13. 2026-06-02
    listed $87,999 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: $2,129 · $177/mo
• Projected year-2 tax: $2,129 · $177/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 4/10 Moderate
• 🌡 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: $18,866
• − Mortgage interest: −$4,929
• − Property taxes: −$2,129
• − Insurance: −$440
• − Repairs & maintenance: −$1,509
• − Management: −$1,509
• − Depreciation: −$2,560
• Taxable income: $5,789
• Est. tax owed @ 24.0%: −$1,389
• After-tax cash flow: $5,408/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): 14,302
• Household income: $72,184
• Rent vs Own: 17.2% rent · 82.8% own
• Severe rent burden: 173.0

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: Majority Black (55%)
• Race & ethnicity: Black 55% White 39% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Italian 2% Romanian 1% Hispanic 1%
• Foreign-born: 4% · Canada, Jamaica
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 0%

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: ▼ -75.90%
• Current HPI: 263.8901
• Rent YoY: ▼ -0.25%
• 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

+1000.0% since first listed

49 events — show timeline

• 2026-06-01 Listed $87,999 realMLS
• 2026-03-25 Relisted — realMLS
• 2026-03-05 Pending — realMLS
• 2026-03-05 Listing Removed — realMLS
• 2026-02-23 Relisted — realMLS
• 2026-01-19 Pending — realMLS
• 2026-01-19 Relisted — realMLS
• 2026-01-16 Pending — realMLS
• 2025-11-28 Price Changed $90,000 realMLS
• 2025-10-13 Relisted — realMLS
• 2025-10-04 Listing Removed — realMLS
• 2025-07-25 Price Changed $95,000 realMLS
• 2025-06-30 Listed $110,000 realMLS
• 2025-06-24 Listing Removed — realMLS
• 2025-05-23 Price Changed $110,000 realMLS
• 2025-05-23 Relisted — realMLS
• 2025-05-16 Listing Removed — realMLS
• 2025-04-28 Relisted — realMLS
• 2025-04-24 Listing Removed — realMLS
• 2025-04-14 Price Changed $115,000 realMLS
• 2025-02-14 Price Changed $118,000 realMLS
• 2024-10-24 Listed $127,000 realMLS
• 2024-06-22 Rental Removed $1,200 BUILDIUM
• 2024-06-12 Price Changed $1,200 BUILDIUM
• 2024-05-14 Listed for Rent $1,250 BUILDIUM
• 2021-05-03 Sold (Public Records) $94,000 Public Records
• 2021-04-16 Sold (MLS) $94,000 realMLS
• 2021-03-25 Pending — realMLS
• 2021-03-15 Relisted — realMLS
• 2021-03-05 Listing Removed — realMLS
• 2021-03-01 Listed $102,000 realMLS
• 2021-01-28 Sold (MLS) $62,000 realMLS
• 2021-01-27 Sold (Public Records) $62,000 Public Records
• 2020-12-31 Pending — realMLS
• 2020-12-09 Price Changed $75,000 realMLS
• 2020-11-12 Relisted — realMLS
• 2020-10-30 Pending — realMLS
• 2020-10-28 Price Changed $79,500 realMLS
• 2020-10-04 Listed $85,000 realMLS
• 2017-03-22 Sold (MLS) $26,000 realMLS
• 2017-03-08 Pending — realMLS
• 2017-03-07 Contingent — realMLS
• 2017-02-21 Listed $29,000 realMLS
• 2011-06-10 Sold (MLS) $8,500 realMLS
• 2010-08-02 Listed $9,900 realMLS
• 2006-07-25 Listing Removed — realMLS
• 2006-07-19 Sold (MLS) $26,500 realMLS
• 2006-06-09 Listed $29,900 realMLS
• 1982-01-01 Sold (Public Records) $8,000 Public Records

Property tax history

+10.8%/yr

Latest (2025): $2,129 · +11.3% YoY. Source: county tax records.