7127 Northland St · Jacksonville, FL 32208

$199,900

6 bd · 2.0 ba · 3,120 sqft · SingleFamily public records · 16 Days on market

Built 1980 4,791 sqft lot Est $381k · 47% under

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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 +15.0/15.0
• Cash flow +12.3/30.0
• Livability +4.2/5.0
• 1% rule +4.0/10.0
• Schools +3.9/10.0
• DSCR +3.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

Key facts

• Updated electric
• Baseball fields
• Updated plumbing

Tags

• UPDATED PLUMBING
• UPDATED ELECTRIC
• CLOSE PROXIMITY TO PANAMA PARK
• 7 ACRE RECREATIONAL SPACE
• LIGHTED BASKETBALL COURTS
• BASEBALL FIELDS

🏷️ Possibly a rental listed for sale. The $199,900 price doesn't fit this home's estimated sale value (~$380,640) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 6-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-36 ($-434/yr) — negative.
• To cash-flow at today's rent, offer at most $194k (3.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $179k (10.4% below list).
• Recommended offer: $179k (10.4% below list) — sets the bar for 1% rule.
• Cap rate 6.1% 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.
• Zoned schools: North Shore Elementary (math 49% / reading 36%, grade F, #1,383 of 2,144 statewide, top 65%, 701 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 78% FRL vs 49% district-wide (29 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 33% at this address vs 46% district-wide (-12 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 (-1.4%/yr); 291 active listings in the ZIP; lower-income renter base — watch delinquency; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• At $1,791/mo this rent would consume 52% of the median local household income ($41k/yr) (locally 1765% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 16 days — a 2% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 21y 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→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $179,144 (10.4% 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. 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. 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?
5. 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.
6. 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.
7. 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: 0.90% ✗
• Cap rate: 6.08%
• Cash-on-cash: -0.77%
• DSCR: 0.97
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $380,640
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7127 Northland St	0.00mi	6/2.0	3,120 (0%)	0mo	$166,700	$53	100
257 Woodrow St	0.65mi	5/2.5 (-1)	2,873 (-8%)	1mo	$350,000	$122	48

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: -21.1%
• Equity multiple: 0.29×
• Total profit: $-39,874
• Equity at exit: $29,806

10-year hold

• IRR: -24.3%
• Equity multiple: -0.03×
• Total profit: $-57,690
• Equity at exit: $17,284

Cash invested: $55,972 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 291
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,791 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$320 /mo · $3,837/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$376
• Net cashflow: $-36

Break-even live

Break-even rent $1,837

Max offer price $193,517

Occupancy floor 97%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-04-15
   status Pending
2. 2026-03-30
   listed $199,900 Active
3. 2018-06-30
   historical 390-char remark

   Show marketing remark (390 chars)

   The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

4. 2018-01-25
   price $134,999 390-char remark

   Show marketing remark (390 chars)

   The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

5. 2017-12-28
   price $139,989 390-char remark

   Show marketing remark (390 chars)

   The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

6. 2017-11-28
   price $139,990 390-char remark

   Show marketing remark (390 chars)

   The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

7. 2017-08-29
   price $139,999 390-char remark

   Show marketing remark (390 chars)

   The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

8. 2017-08-14
   price $142,500 390-char remark

   Show marketing remark (390 chars)

   The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

9. 2017-06-20
   listed $143,500 Active 390-char remark

   Show marketing remark (390 chars)

   The endless possibilities! Great for a small or large family & also property is zoned for Child or adult care centers/day care centers! This block home has a Beautiful kitchen, large laundry room, big master bedroom with a nice size closet! Come take a look at this massive space & make yourself at home! Property is currently occupied by a tenant *Enjoy a instant rental income!!!*

10. 2008-12-08
    historical 192-char remark

    Show marketing remark (192 chars)

    hugh one story block home. group home?large bedrooms, two central heat and air systems(2005), updated electric and plumbing(2005), newer roof(2003). there is enough room to have more bedrooms.

11. 2008-07-08
    listed $139,000 192-char remark

    Show marketing remark (192 chars)

    hugh one story block home. group home?large bedrooms, two central heat and air systems(2005), updated electric and plumbing(2005), newer roof(2003). there is enough room to have more bedrooms.

12. 2007-07-10
    historical
13. 2007-06-27
    historical
14. 2007-04-10
    listed $135,000
15. 2006-12-27
    listed $125,000
16. 2005-08-24
    historical
17. 2005-05-24
    listed $125,000

ⓘ 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: $3,837 · $320/mo
• Projected year-2 tax: $3,837 · $320/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 3/10 Moderate FEMA zone X (unshaded) · 12% 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: $21,497
• − Mortgage interest: −$11,198
• − Property taxes: −$3,837
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,720
• − Management: −$1,720
• − Depreciation: −$5,815
• Taxable loss: −$3,792
• Est. tax savings @ 24.0%: +$910
• After-tax cash flow: $476/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): 32,699
• Household income: $41,324
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1765.0

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 (77%)
• Race & ethnicity: Black 77% White 16% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

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: ▼ -110.56%
• Current HPI: 217.9706
• Rent YoY: ▼ -1.36%
• 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

+59.9% since first listed

17 events — show timeline

• 2026-04-15 Pending — realMLS
• 2026-03-30 Listed $199,900 realMLS
• 2018-06-30 Listing Removed — realMLS
• 2018-01-25 Price Changed $134,999 realMLS
• 2017-12-28 Price Changed $139,989 realMLS
• 2017-11-28 Price Changed $139,990 realMLS
• 2017-08-29 Price Changed $139,999 realMLS
• 2017-08-14 Price Changed $142,500 realMLS
• 2017-06-20 Listed $143,500 realMLS
• 2008-12-08 Listing Removed — realMLS
• 2008-07-08 Listed $139,000 realMLS
• 2007-07-10 Listing Removed — realMLS
• 2007-06-27 Listing Removed — realMLS
• 2007-04-10 Listed $135,000 realMLS
• 2006-12-27 Listed $125,000 realMLS
• 2005-08-24 Listing Removed — realMLS
• 2005-05-24 Listed $125,000 realMLS

Property tax history

+5.8%/yr

Latest (2025): $3,837 · +12.3% YoY. Source: county tax records.