3719 Whitehall St · Jacksonville, FL 32206

$120,900

3 bd · 1.0 ba · 1,234 sqft · SingleFamily public records · 156 Days on market

Built 1919 4,791 sqft lot Est $167k · 27% under

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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 +20.8/30.0
• ARV discount +15.0/15.0
• DSCR +6.6/10.0
• 1% rule +5.2/10.0
• 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

Completely renovated, rental ready property, buy and add it to your property management team Market rent for this property is $800.00 Monthly Move in Ready, bring your offer and your property manager with a for rent sign.

Key facts

• 4,791 sq ft lot
• Built 1919
• Listed 155 days

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Other parking
• Utilities: Public sewer; Cable available; Electricity connected; Sewer connected; Water connected
• Home design: Single family residence; One level; Entry level: 1; Faces west; Current use: Residential and Industrial
• Construction: Vinyl siding; Shingle roof
• Exterior features: Back yard fencing; City street frontage; Asphalt road surface

Interior

• Kitchen: Electric oven; Electric range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Unfurnished
• Laundry & utility: Washer hookup; Electric dryer hookup

🏷️ Possibly a rental listed for sale. The $120,900 price doesn't fit this home's estimated sale value (~$166,590) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $121k.

Deal economics

• At list price, monthly cash flow is $165 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $121k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.9% 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: Long Branch Elementary School (math 37% / reading 22%, grade F, #1,896 of 2,144 statewide, top 90%, 289 students, 87% FRL); Matthew W. Gilbert Middle School (math 26% / reading 17%, grade F, #553 of 571 statewide, top 97%, 688 students, 86% 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 81% FRL vs 49% district-wide (32 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 25% at this address vs 46% district-wide (-21 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 200 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $836 of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 156 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 5 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.
• Current owner paid $23k; list at $121k implies a 428% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1919 — 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 $106,392 (12.0% below list)

Questions for the listing agent

1. It's been on market 156 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1919 — 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: 1.02% ✓
• Cap rate: 7.93%
• Cash-on-cash: 5.86%
• DSCR: 1.26
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $166,590
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
33 E 29th St	0.12mi	4/2.0 (+1)	1,169 (-5%)	1mo	$216,000	$185	76
258 Ravine St	0.17mi	3/1.5	1,132 (-8%)	6mo	$149,500	$132	72
419 Springfield Ct N	0.38mi	3/1.0	1,181 (-4%)	6mo	$160,000	$135	70
3032 Laura St N	0.40mi	3/1.0	1,150 (-7%)	4mo	$70,000	$61	67
3918 Springfield Blvd	0.67mi	3/2.0	1,222 (-1%)	3mo	$185,000	$151	60
4808 Silver St	0.53mi	3/1.0	1,120 (-9%)	1mo	$135,000	$121	59
3317 N Laura St	0.29mi	4/2.0 (+1)	1,364 (+10%)	3mo	$65,000	$48	58
317 W 41st St	0.74mi	3/2.0	1,268 (+3%)	2mo	$125,000	$99	55
4710 Springfield Blvd	0.73mi	3/2.0	1,208 (-2%)	4mo	$170,000	$141	55
1126 E 24th St E	0.65mi	4/2.0 (+1)	1,292 (+5%)	4mo	$205,000	$159	49
705 Oak Arbor Cir	0.74mi	3/2.0	1,094 (-11%)	1mo	$160,000	$146	42
4562 Notter Ave	0.60mi	3/2.0	1,052 (-15%)	4mo	$139,000	$132	40

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: -9.5%
• Equity multiple: 0.66×
• Total profit: $-11,556
• Equity at exit: $18,027

10-year hold

• IRR: -3.1%
• Equity multiple: 0.81×
• Total profit: $-6,334
• Equity at exit: $10,453

Cash invested: $33,852 (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: 200
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,230 high
• Mortgage (P&I): −$634
• Tax from tax record: −$122 /mo · $1,466/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$258
• Net cashflow: $165

Break-even live

Break-even rent $1,021

Max offer price $120,900

Occupancy floor 82%

Sensitivity live

Price	-10% $234	-5% $200	+0% $165	+5% $131	+10% $97
Rent	-10% $68	-5% $117	+0% $165	+5% $214	+10% $263
Rate	-1.0pp $226	-0.5pp $196	base $165	+0.5pp $134	+1.0pp $102

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: $30,225
• Closing costs: $3,627
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3747 Peachtree St Jacksonville, FL	3.0	2.0	1082	$1,410	$1.30	5d	1	0.21mi
28 W 33rd St Jacksonville, FL	4.0	1.0	1395	$898	$0.64	9d	1	0.28mi
3728 Silver St Jacksonville, FL	2.0	1.0	916	$1,100	$1.20	25d	1	0.29mi
34 W 23rd St Jacksonville, FL	3.0	1.5	962	$1,400	$1.46	25d	1	0.30mi
118 W 28th St Jacksonville, FL	3.0	2.0	1332	$1,250	$0.94	25d	1	0.31mi
154 W 28th St Jacksonville, FL	2.0	2.0	818	$1,138	$1.39	18d	1	0.36mi
435 Springfield Ct N Jacksonville, FL	2.0	1.0	950	$1,100	$1.16	25d	1	0.37mi
134 W 23rd St Jacksonville, FL	2.0	1.0	768	$1,050	$1.37	25d	1	0.37mi
609 E 30th St Jacksonville, FL	2.0	2.0	818	$1,138	$1.39	25d	1	0.39mi
318 E 19th St Jacksonville, FL	2.0	1.0	1096	$895	$0.82	25d	1	0.41mi
3020 N Laura St Jacksonville, FL	3.0	1.0	1162	$1,300	$1.12	25d	1	0.41mi
204 W 23rd St Jacksonville, FL	3.0	1.0	960	$1,225	$1.28	3d	1	0.41mi
3732 Lehigh St Jacksonville, FL	2.0	1.0	850	$900	$1.06	16d	1	0.45mi
3730 Lehigh St Unit 3730 Jacksonville, FL	2.0	1.0	850	$900	$1.06	16d	1	0.45mi
22 W 38th St Jacksonville, FL	2.0	1.0	800	$1,100	$1.38	25d	1	0.46mi
326 Basswood St Jacksonville, FL	3.0	2.0	1317	$1,550	$1.18	25d	1	0.47mi
2906 Silver St Unit 01 Jacksonville, FL	2.0	1.0	840	$895	$1.07	25d	1	0.51mi
347 W 23rd St Jacksonville, FL	3.0	1.5	1176	$1,112	$0.95	9d	1	0.51mi
2514 Walnut St Unit 2520 Jacksonville, FL	2.0	1.0	1119	$1,100	$0.98	25d	1	0.56mi
3927 Notter Ave Jacksonville, FL	2.0	1.0	738	$850	$1.15	22d	1	0.57mi
3927 Notter Ave Jacksonville, FL	2.0	1.0	738	$850	$1.15	15d	1	0.57mi
451 Long Branch Blvd Unit 451 Jacksonville, FL	2.0	1.0	1000	$1,350	$1.35	25d	1	0.58mi
3403 Phoenix Ave Jacksonville, FL	3.0	1.0	1002	$995	$0.99	9d	1	0.60mi
5035 N Main St Jacksonville, FL	3.0	1.0–2.0	816	$1,459	$1.79	25d	69	0.60mi
1125 E 24th St Jacksonville, FL	2.0	1.0	914	$600	$0.66	18d	1	0.62mi
528 W 25th St Jacksonville, FL	2.0	1.0	944	$1,100	$1.17	25d	1	0.63mi
511 Ivy St Jacksonville, FL	2.0	1.0	900	$995	$1.11	25d	1	0.67mi
4918 N Pearl St Jacksonville, FL	2.0	1.0	850	$895	$1.05	25d	1	0.67mi
3914 Springfield Blvd Jacksonville, FL	2.0	1.0	858	$1,050	$1.22	5d	1	0.70mi
3914 Springfield Blvd Jacksonville, FL	2.0	1.0	858	$1,050	$1.22	25d	1	0.70mi
522 W 21st St Jacksonville, FL	3.0	2.0	1045	$1,350	$1.29	25d	1	0.72mi
519 W 19th St Unit a Jacksonville, FL	2.0	1.5	1071	$1,095	$1.02	22d	1	0.73mi
519 W 19th St Jacksonville, FL	2.0	2.0	1071	$1,095	$1.02	22d	1	0.73mi
519 W 19th St Jacksonville, FL	2.0	2.0	1071	$1,075	$1.00	5d	1	0.73mi
519 W 19th St Unit a Jacksonville, FL	2.0	1.5	1071	$1,075	$1.00	15d	1	0.73mi
18 W 43rd St Jacksonville, FL	2.0	1.0	750	$795	$1.06	5d	1	0.73mi
222 E 43rd St Jacksonville, FL	2.0	1.0	840	$946	$1.13	25d	1	0.76mi
666 Basswood St Jacksonville, FL	3.0	1.0	1002	$1,400	$1.40	25d	1	0.77mi
643 Linwood Ave Jacksonville, FL	3.0	2.0	1232	$1,325	$1.08	4d	1	0.78mi
1305 E 30th St Jacksonville, FL	2.0	1.0	859	$1,150	$1.34	25d	1	0.78mi

Listing history 23 events

1. 2026-06-21
   days on market $120,900 Active 156 DOM
2. 2026-06-18
   days on market $120,900 Active 153 DOM
3. 2026-06-17
   days on market $120,900 Active 152 DOM
4. 2026-06-16
   days on market $120,900 Active 151 DOM
5. 2026-06-15
   days on market $120,900 Active 150 DOM
6. 2026-06-10
   days on market $120,900 Active 144 DOM
7. 2026-06-08
   days on market $120,900 Active 143 DOM
8. 2026-06-08
   days on market $120,900 Active 142 DOM
9. 2026-06-03
   days on market $120,900 Active 138 DOM
10. 2026-06-02
    days on market $120,900 Active 137 DOM
11. 2026-06-01
    days on market $120,900 Active 136 DOM
12. 2026-05-31
    days on market $120,900 Active 135 DOM
13. 2026-03-23
    status Active
14. 2026-03-16
    historical Active Under Contract
15. 2026-01-16
    listed $120,900 Active
16. 2017-10-18
    historical 223-char remark

    Show marketing remark (223 chars)

    Completely renovated, rental ready property, buy and add it to your property management team Market rent for this property is $800.00 Monthly Move in Ready, bring your offer and your property manager with a for rent sign.

17. 2017-10-12
    status Active 223-char remark

    Show marketing remark (223 chars)

    Completely renovated, rental ready property, buy and add it to your property management team Market rent for this property is $800.00 Monthly Move in Ready, bring your offer and your property manager with a for rent sign.

18. 2017-10-04
    status Pending 223-char remark

    Show marketing remark (223 chars)

    Completely renovated, rental ready property, buy and add it to your property management team Market rent for this property is $800.00 Monthly Move in Ready, bring your offer and your property manager with a for rent sign.

19. 2017-09-15
    price $60,000 223-char remark

    Show marketing remark (223 chars)

    Completely renovated, rental ready property, buy and add it to your property management team Market rent for this property is $800.00 Monthly Move in Ready, bring your offer and your property manager with a for rent sign.

20. 2017-09-05
    listed $64,000 Active 223-char remark

    Show marketing remark (223 chars)

    Completely renovated, rental ready property, buy and add it to your property management team Market rent for this property is $800.00 Monthly Move in Ready, bring your offer and your property manager with a for rent sign.

21. 2006-11-06
    historical 216-char remark

    Show marketing remark (216 chars)

    SELLER HAS NOT LIVED ON PROPERTY. BEING SOLD IN ''AS IS''CONDITION. SELLER OR AGENT MAKES NO REPRESENTATIONS OR GUARANTEES OF ANY KIND. (ZONED 'INDUSTRIAL LIGHT') 'Crazy boss says bring me all of the stupid offers!'

22. 2006-10-31
    soldstatus $22,900 216-char remark

    Show marketing remark (216 chars)

    SELLER HAS NOT LIVED ON PROPERTY. BEING SOLD IN ''AS IS''CONDITION. SELLER OR AGENT MAKES NO REPRESENTATIONS OR GUARANTEES OF ANY KIND. (ZONED 'INDUSTRIAL LIGHT') 'Crazy boss says bring me all of the stupid offers!'

23. 2006-07-14
    listed $29,900 216-char remark

    Show marketing remark (216 chars)

    SELLER HAS NOT LIVED ON PROPERTY. BEING SOLD IN ''AS IS''CONDITION. SELLER OR AGENT MAKES NO REPRESENTATIONS OR GUARANTEES OF ANY KIND. (ZONED 'INDUSTRIAL LIGHT') 'Crazy boss says bring me all of the stupid offers!'

ⓘ 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: $1,466 · $122/mo
• Projected year-2 tax: $1,466 · $122/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 ≥107°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: $14,763
• − Mortgage interest: −$6,772
• − Property taxes: −$1,466
• − Insurance: −$604
• − Repairs & maintenance: −$1,181
• − Management: −$1,181
• − Depreciation: −$3,517
• Taxable income: $42
• Est. tax owed @ 24.0%: −$10
• After-tax cash flow: $1,975/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

+304.3% since first listed

11 events — show timeline

• 2026-03-23 Relisted — realMLS
• 2026-03-16 Contingent — realMLS
• 2026-01-16 Listed $120,900 realMLS
• 2017-10-18 Listing Removed — realMLS
• 2017-10-12 Relisted — realMLS
• 2017-10-04 Pending — realMLS
• 2017-09-15 Price Changed $60,000 realMLS
• 2017-09-05 Listed $64,000 realMLS
• 2006-11-06 Listing Removed — realMLS
• 2006-10-31 Sold (MLS) $22,900 realMLS
• 2006-07-14 Listed $29,900 realMLS

Property tax history

+1.3%/yr

Latest (2025): $1,466 · +14.0% YoY. Source: county tax records.