1909 E 27th St · Jacksonville, FL 32206

$70,000

3 bd · 1.0 ba · 884 sqft · SingleFamily public records · 117 Days on market

Built 1943 5,662 sqft lot Est $71k · at est.

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +8.0/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great single family home in Longbranch. Fix this one up for a solid rental home. This home is part of a large portfolio and can be sold individually or in groups. Call for additional details. Sold as is.

Key facts

• 5,662 sq ft lot
• Garage
• Built 1943

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Attached garage
• Utilities: Public sewer; Sewer available; Water available
• Home design: Single-family residence; One level; Entry on level 1; Residential use
• Exterior features: Full fencing; South-facing

Interior

• Kitchen: Electric oven
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Electric oven

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $445 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $64k (9.0% below list) — sets the bar for market timing.
• Cap rate 13.9% 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.
• Market conditions: Rents flat; 194 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 36% of the median local income ($39k/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 $484 of loan paydown is wiped out by about $2k 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 + 0.9% rent growth), your $20k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 117 days — a 9% lower offer ($64k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y ago; this cycle's ask has dropped $25k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $33k; list at $70k implies a 112% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1943 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $63,700 (9.0% below list)

Questions for the listing agent

1. It's been on market 117 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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.
7. 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.
8. 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: 1.70% ✓
• Cap rate: 13.92%
• Cash-on-cash: 27.25%
• DSCR: 2.21
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $70,720
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1918 E 27th St	0.03mi	3/1.0	847 (-4%)	0mo	$42,000	$50	91
1305 E 30th St	0.61mi	2/1.0 (-1)	859 (-3%)	2mo	$68,750	$80	60
1783 E 24th St	0.19mi	2/1.0 (-1)	792 (-10%)	19mo	$68,000	$86	53
3314 Haines St	0.57mi	3/1.0	968 (+10%)	7mo	$115,000	$119	52
1208 E 27th St	0.65mi	2/1.0 (-1)	893 (+1%)	21mo	$42,000	$47	45
1618 E 20th St	0.47mi	3/1.0	1,016 (+15%)	12mo	$50,500	$50	43
2147 Blair St	0.73mi	3/1.0	1,002 (+13%)	8mo	$125,000	$125	37
1311 E E 26th St	0.59mi	2/1.0 (-1)	976 (+10%)	20mo	$54,000	$55	33

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 · 0.94% rent growth · sell at horizon

5-year hold

• IRR: 18.9%
• Equity multiple: 1.75×
• Total profit: $14,610
• Equity at exit: $10,437

10-year hold

• IRR: 25.7%
• Equity multiple: 3.03×
• Total profit: $39,811
• Equity at exit: $6,052

Cash invested: $19,600 (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 32206

• Home prices YoY: -23.7%
• Rents YoY: 0.9%
• Active inventory: 194
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,189 high
• Mortgage (P&I): −$367
• Tax from tax record: −$98 /mo · $1,175/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $445

Break-even live

Break-even rent $626

Max offer price $70,000

Occupancy floor 58%

Sensitivity live

Price	-10% $485	-5% $465	+0% $445	+5% $425	+10% $405
Rent	-10% $351	-5% $398	+0% $445	+5% $492	+10% $539
Rate	-1.0pp $480	-0.5pp $463	base $445	+0.5pp $427	+1.0pp $408

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: $17,500
• Closing costs: $2,100
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1823 E 25th St Jacksonville, FL	3.0	1.0	1036	$1,250	$1.21	24d	1	0.12mi
1782 E 24th St Jacksonville, FL	2.0	1.0	759	$875	$1.15	2d	1	0.20mi
3303 Jones St Jacksonville, FL	2.0	1.0	840	$1,000	$1.19	4d	1	0.35mi
3303 Jones St Jacksonville, FL	2.0	1.0	840	$1,000	$1.19	24d	1	0.35mi
1305 E 30th St Jacksonville, FL	2.0	1.0	859	$1,150	$1.34	24d	1	0.61mi
1617 E 14th St Jacksonville, FL	2.0	1.0	1124	$1,300	$1.16	24d	1	0.68mi
1125 E 24th St Jacksonville, FL	2.0	1.0	914	$600	$0.66	17d	1	0.76mi
3403 Phoenix Ave Jacksonville, FL	3.0	1.0	1002	$995	$0.99	8d	1	0.78mi
2125 Lambert St Jacksonville, FL	2.0	1.0	1040	$1,195	$1.15	4d	1	0.80mi
1164 E 16th St Jacksonville, FL	2.0	1.0	750	$1,000	$1.33	8d	2	0.86mi
1976 Lambert St Jacksonville, FL	3.0	1.0	1012	$1,115	$1.10	24d	1	0.96mi
609 E 30th St Jacksonville, FL	2.0	2.0	818	$1,138	$1.39	24d	1	1.00mi
1627 E 9th St Unit 1629 Jacksonville, FL	2.0	1.0	656	$1,050	$1.60	24d	1	1.05mi
435 Springfield Ct N Jacksonville, FL	2.0	1.0	950	$1,100	$1.16	24d	1	1.16mi
481 E 44th St Jacksonville, FL	2.0	1.0	668	$899	$1.35	24d	1	1.16mi
3747 Peachtree St Jacksonville, FL	3.0	2.0	1082	$1,410	$1.30	4d	1	1.18mi
318 E 19th St Jacksonville, FL	2.0	1.0	1096	$895	$0.82	24d	1	1.29mi
2514 Walnut St Unit 2520 Jacksonville, FL	2.0	1.0	1119	$1,100	$0.98	24d	1	1.30mi
349 E 45th St Jacksonville, FL	2.0	1.0	954	$1,175	$1.23	8d	1	1.33mi
222 E 43rd St Jacksonville, FL	2.0	1.0	840	$946	$1.13	24d	1	1.39mi
205 E 44th St Jacksonville, FL	3.0	1.0	955	$1,075	$1.13	21d	1	1.46mi
5035 N Main St Jacksonville, FL	3.0	1.0–2.0	816	$1,459	$1.79	24d	69	1.49mi

Listing history 27 events

1. 2026-06-18
   days on market $70,000 Active 117 DOM
2. 2026-06-17
   days on market $70,000 Active 116 DOM
3. 2026-06-16
   days on market $70,000 Active 115 DOM
4. 2026-06-15
   days on market $70,000 Active 114 DOM
5. 2026-06-10
   days on market $70,000 Active 108 DOM
6. 2026-06-08
   days on market $70,000 Active 107 DOM
7. 2026-06-07
   days on market $70,000 Active 106 DOM
8. 2026-06-03
   days on market $70,000 Active 102 DOM
9. 2026-06-02
   days on market $70,000 Active 101 DOM
10. 2026-06-01
    days on market $70,000 Active 100 DOM
11. 2026-05-31
    days on market $70,000 Active 99 DOM
12. 2026-05-23
    status Active
13. 2026-05-22
    historical
14. 2026-05-15
    price $70,000
15. 2026-04-08
    price $75,000
16. 2026-03-23
    price $85,000
17. 2026-03-17
    price $88,900
18. 2026-03-06
    price $91,900
19. 2026-02-20
    listed $95,000 Active
20. 2021-05-18
    soldstatus $33,000 Sold 204-char remark

    Show marketing remark (204 chars)

    Great single family home in Longbranch. Fix this one up for a solid rental home. This home is part of a large portfolio and can be sold individually or in groups. Call for additional details. Sold as is.

21. 2021-05-18
    soldstatus $33,000 Sold 204-char remark

    Show marketing remark (204 chars)

    Great single family home in Longbranch. Fix this one up for a solid rental home. This home is part of a large portfolio and can be sold individually or in groups. Call for additional details. Sold as is.

22. 2021-04-26
    status Pending 204-char remark

    Show marketing remark (204 chars)

    Great single family home in Longbranch. Fix this one up for a solid rental home. This home is part of a large portfolio and can be sold individually or in groups. Call for additional details. Sold as is.

23. 2021-04-26
    status Pending 204-char remark

    Show marketing remark (204 chars)

    Great single family home in Longbranch. Fix this one up for a solid rental home. This home is part of a large portfolio and can be sold individually or in groups. Call for additional details. Sold as is.

24. 2021-04-08
    listed $50,000 Active 204-char remark

    Show marketing remark (204 chars)

    Great single family home in Longbranch. Fix this one up for a solid rental home. This home is part of a large portfolio and can be sold individually or in groups. Call for additional details. Sold as is.

25. 2021-03-23
    listed $50,000 Active 204-char remark

    Show marketing remark (204 chars)

    Great single family home in Longbranch. Fix this one up for a solid rental home. This home is part of a large portfolio and can be sold individually or in groups. Call for additional details. Sold as is.

26. 2018-03-13
    soldstatus $851,700
27. 1983-08-01
    soldstatus $8,000

ⓘ 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: $1,175 · $98/mo
• Projected year-2 tax: $1,175 · $98/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 2/10 Low FEMA zone X (unshaded) · 5% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 20 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: $14,266
• − Mortgage interest: −$3,921
• − Property taxes: −$1,175
• − Insurance: −$350
• − Repairs & maintenance: −$1,141
• − Management: −$1,141
• − Depreciation: −$2,036
• Taxable income: $4,501
• Est. tax owed @ 24.0%: −$1,080
• After-tax cash flow: $4,260/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): 17,105
• Household income: $39,242
• Rent vs Own: 53.7% rent · 46.3% own
• Severe rent burden: 1057.0

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 Black (65%)
• Race & ethnicity: Black 65% White 22% Two or more races 8% Hispanic / Latino 6%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Italian 2% Romanian 1% Slovak 1%
• Foreign-born: 5% · Canada
• Languages at home: 93% English-only · Spanish 3% Arabic 1% German/W. Germanic 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: ▼ -64.55%
• Current HPI: 208.1852
• Rent YoY: ▲ 0.94%
• 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

+775.0% since first listed

16 events — show timeline

• 2026-05-23 Relisted — realMLS
• 2026-05-22 Listing Removed — realMLS
• 2026-05-15 Price Changed $70,000 realMLS
• 2026-04-08 Price Changed $75,000 realMLS
• 2026-03-23 Price Changed $85,000 realMLS
• 2026-03-17 Price Changed $88,900 realMLS
• 2026-03-06 Price Changed $91,900 realMLS
• 2026-02-20 Listed $95,000 realMLS
• 2021-05-18 Sold (MLS) $33,000 realMLS
• 2021-05-18 Sold (MLS) $33,000 realMLS
• 2021-04-26 Pending — realMLS
• 2021-04-26 Pending — realMLS
• 2021-04-08 Listed $50,000 realMLS
• 2021-03-23 Listed $50,000 realMLS
• 2018-03-13 Sold (Public Records) $851,700 Public Records
• 1983-08-01 Sold (Public Records) $8,000 Public Records

Property tax history

+7.5%/yr

Latest (2025): $1,175 · +23.9% YoY. Source: county tax records.