6097 Taylor Rd · Jacksonville, FL 32234

$64,900

3 bd · 2.0 ba · 1,400 sqft · Manufactured public records · 26 Days on market

Built 2020 1.21 ac lot Est $81k · 20% under

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Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +5.2/10.0
• Schools +5.1/10.0
• Livability +4.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

Key facts

• Quiet road
• New construction
• Over an acre

Tags

• OVER AN ACRE
• QUIET ROAD
• NEW CONSTRUCTION
• DEVELOPING AREA
• INCREASING DEMAND

Property features AI

Finance

• Financial info: Annual tax information available (not included per instructions)
• HOA & community: Not a senior community

Exterior

• Parking: Off-street parking
• Utilities: Other utilities (unspecified)
• Home design: Mobile home; Single-story
• Exterior features: Dirt road access; Approximately 1.21 acres lot

Interior

• Kitchen: No appliances listed
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: No heating; No cooling
• Interior features: One-level layout; Fireplace (1)
• Laundry & utility: No heating or cooling systems listed

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $65k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $65k).
• Recommended offer: $64k (1.5% below list) — sets the bar for market timing.
• Cap rate 26.3% 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+.
• Clay (suburban): math 58% / reading 59% proficiency, ranked #14 of 73 in FL (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 234 active listings in the ZIP; solid renter incomes; 1,876 units permitted in Clay County in 2024 (14 in 5+ unit buildings).

Forward outlook

• In year one you build about $741 of equity ($449 loan paydown + $292 appreciation (0.5% local appreciation)).
• Clay County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (0.5% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($64k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y 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; 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 $63,926 (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: 2.99% ✓
• Cap rate: 26.31%
• Cash-on-cash: 71.49%
• DSCR: 4.18
• GRM: 2.8

CMA / ARV

• ARV (on-the-fly): $81,200
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6097 Taylor Rd	0.00mi	3/2.0	1,400 (0%)	0mo	$81,000	$58	100

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: 74.0%
• Equity multiple: 4.77×
• Total profit: $68,470
• Equity at exit: $20,319

10-year hold

• IRR: 75.4%
• Equity multiple: 9.73×
• Total profit: $158,641
• Equity at exit: $25,634

Cash invested: $18,172 (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: 234
• Price-to-rent: 2.8×

Monthly cashflow live

• Estimated rent: $1,938 medium
• Mortgage (P&I): −$340
• Tax est. 1.5%: −$81 /mo · $974/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $1,083

Break-even live

Break-even rent $568

Max offer price $64,900

Occupancy floor 39%

Sensitivity live

Price	-10% $1,127	-5% $1,105	+0% $1,083	+5% $1,060	+10% $1,038
Rent	-10% $930	-5% $1,006	+0% $1,083	+5% $1,159	+10% $1,236
Rate	-1.0pp $1,115	-0.5pp $1,099	base $1,083	+0.5pp $1,066	+1.0pp $1,049

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: $16,225
• Closing costs: $1,947
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-05-11
   status Pending
2. 2026-04-25
   historical Active Under Contract
3. 2026-04-13
   listed $64,900 Active
4. 2021-03-29
   soldstatus $125,000
5. 2021-03-22
   soldstatus $125,000 Sold 611-char remark

   Show marketing remark (611 chars)

   What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

6. 2021-02-25
   status Pending 611-char remark

   Show marketing remark (611 chars)

   What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

7. 2021-02-18
   historical Active - Contingent 611-char remark

   Show marketing remark (611 chars)

   What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

8. 2021-01-26
   status Active 611-char remark

   Show marketing remark (611 chars)

   What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

9. 2021-01-21
   historical Active - Contingent 611-char remark

   Show marketing remark (611 chars)

   What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

10. 2020-12-04
    price $125,000 611-char remark

    Show marketing remark (611 chars)

    What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

11. 2020-08-25
    price $129,900 611-char remark

    Show marketing remark (611 chars)

    What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

12. 2020-06-23
    listed $139,900 Active 611-char remark

    Show marketing remark (611 chars)

    What an amazing opportunity to own this luxurious country home priced under $130,000. Clay county is located in Northeast Florida's most up-and-coming neighborhoods offering a suburban rural mix feel situated on over 1 acre of land. The ENORMOUS kitchen will please any chef, with custom cabinetry, granite counter-tops and stainless steel appliances. Master-bedroom with en-suite, garden tub, separate shower and a over-sized vanity. A new metal roof was recently installed to boot. This country home offers an amazing amount of tranquility and and will not last long. Less than perfect credit may be allowed!

13. 2019-09-18
    soldstatus $20,000

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,258
• − Mortgage interest: −$3,635
• − Property taxes: −$974
• − Insurance: −$324
• − Repairs & maintenance: −$1,861
• − Management: −$1,861
• − Depreciation: −$1,888
• Taxable income: $12,715
• Est. tax owed @ 24.0%: −$3,052
• After-tax cash flow: $9,940/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: Clay
• NCES district ID: 1200300
• Math proficiency: 58% ▼ -8.00%
• Reading proficiency: 59% ▼ -3.00%
• Median HH income: $59,379
• Composite: 50.73/100
• National rank: #1815
• State rank: #14 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

• 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 (Clay County) Hauer SSP2

• Today (2025): 230,495 people
• By 2030: 242,427 · +5.2%
• By 2040: 262,244 · +13.8%
• By 2050: 275,148 · +19.4%
• By 2075: 295,397 · +28.2%
• By 2100: 287,592 · +24.8%

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 · Clay

• 2024 margin: Solid R (+39.3) · D 29.9% · R 69.2%
• 2008→2024 swing: +3.6pp toward D · 2008: -42.8pp · 2024: -39.3pp
• All cycles: 2024: R+39.3 2020: R+37.1 2016: R+44.3 2012: R+45.8 2008: R+42.8

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

+224.5% since first listed

13 events — show timeline

• 2026-05-11 Pending — realMLS
• 2026-04-25 Contingent — realMLS
• 2026-04-13 Listed $64,900 realMLS
• 2021-03-29 Sold (Public Records) $125,000 Public Records
• 2021-03-22 Sold (MLS) $125,000 realMLS
• 2021-02-25 Pending — realMLS
• 2021-02-18 Contingent — realMLS
• 2021-01-26 Relisted — realMLS
• 2021-01-21 Contingent — realMLS
• 2020-12-04 Price Changed $125,000 realMLS
• 2020-08-25 Price Changed $129,900 realMLS
• 2020-06-23 Listed $139,900 realMLS
• 2019-09-18 Sold (Public Records) $20,000 Public Records

Property tax history

+27.5%/yr

Latest (2025): $3,323 · +10.7% YoY. Source: county tax records.