459 W 65th St · Jacksonville, FL 32208

$128,795

3 bd · 1.0 ba · 1,056 sqft · SingleFamily public records · 80 Days on market

Built 1944 6,098 sqft lot Est $134k · at est.

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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 +22.1/30.0
• ARV discount +9.3/15.0
• DSCR +7.1/10.0
• 1% rule +5.6/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 3/1 home was renovated lately. It's beautiful and has New roof, new kitchen, new bathroom and new wood floor. Fresh painted. In Tallulah quiet neighborhood. Close to I95, Large Detached Garage that can be used as a store, workspace.

Key facts

• Central ac
• Forced ducted heat
• Completely renovated

Tags

• COMPLETELY RENOVATED
• VINYL PLANK FLOORING
• MARBLE LOOK TILE BATH SURROUND
• CENTRAL AC
• FORCED DUCTED HEAT
• DETACHED GARAGE

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: On-street parking
• Utilities: Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Single-family residence; One story
• Exterior features: No private pool; Lot is approximately 0.14 acres

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Heat pump; Central air conditioning
• Interior features: Unfurnished

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $129k.

Deal economics

• At list price, monthly cash flow is $208 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $129k).
• Recommended offer: $121k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.2% 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 soft (-1.4%/yr); 291 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 14d 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 40% of the median local income ($41k/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 $890 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 80 days — a 6% lower offer ($121k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y 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 $49k; list at $129k implies a 163% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1944 — 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 $121,067 (6.0% below list)

Questions for the listing agent

1. It's been on market 80 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1944 — 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: 1.06% ✓
• Cap rate: 8.23%
• Cash-on-cash: 6.93%
• DSCR: 1.31
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $134,112
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
110 Tallulah Ave	0.50mi	3/1.0	1,102 (+4%)	2mo	$181,000	$164	68
6711 Drayton St	0.59mi	3/1.0	1,088 (+3%)	3mo	$138,000	$127	65
7625 N North Shore Dr	0.17mi	3/2.0	1,214 (+15%)	1mo	$215,500	$178	62
280 Mulberry St	0.27mi	2/1.0 (-1)	1,193 (+13%)	4mo	$184,000	$154	57
50 W 58th St	0.63mi	2/1.0 (-1)	1,004 (-5%)	1mo	$71,000	$71	56
950 Ashton St	0.73mi	3/1.0	1,000 (-5%)	4mo	$142,500	$143	54
465 W 60th St	0.28mi	2/3.5 (-1)	1,157 (+10%)	3mo	$89,000	$77	54
733 Escambia St	0.72mi	3/1.0	975 (-8%)	0mo	$90,000	$92	54
182 W 61st St	0.38mi	2/3.0 (-1)	1,161 (+10%)	3mo	$125,770	$108	50
753 Fernway St	0.65mi	3/1.0	929 (-12%)	1mo	$110,000	$118	49
918 Deerwood Cir S	0.67mi	3/2.0	1,209 (+14%)	3mo	$235,000	$194	38
569 W 49th St	0.74mi	2/1.0 (-1)	924 (-12%)	2mo	$57,000	$62	38

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: -9.1%
• Equity multiple: 0.68×
• Total profit: $-11,606
• Equity at exit: $19,204

10-year hold

• IRR: -4.1%
• Equity multiple: 0.76×
• Total profit: $-8,499
• Equity at exit: $11,136

Cash invested: $36,063 (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: 7.8×

Monthly cashflow live

• Estimated rent: $1,371 high
• Mortgage (P&I): −$675
• Tax from tax record: −$146 /mo · $1,748/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $208

Break-even live

Break-even rent $1,107

Max offer price $128,795

Occupancy floor 80%

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: $32,199
• Closing costs: $3,864
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
472 W 65th St Jacksonville, FL	3.0	1.0	1312	$1,295	$0.99	21d	1	0.04mi
7511 N Shore Dr Jacksonville, FL	2.0	1.0	1014	$1,350	$1.33	4d	1	0.13mi
7124 Lorain St Jacksonville, FL	3.0	1.0	864	$1,043	$1.21	3d	1	0.15mi
346 W 68th St Jacksonville, FL	3.0	1.0	1114	$1,385	$1.24	4d	1	0.21mi
343 W 60th St Jacksonville, FL	3.0	1.0	1238	$1,299	$1.05	21d	1	0.23mi
7210 Elwood Ave Jacksonville, FL	2.0	1.0	831	$995	$1.20	21d	1	0.23mi
535 W 59th St Jacksonville, FL	3.0	2.0	816	$1,395	$1.71	7d	1	0.37mi
209 Woodrow St Jacksonville, FL	3.0	1.0	1282	$1,325	$1.03	23d	1	0.41mi
385 Duray Ct Jacksonville, FL	3.0	1.0	932	$1,250	$1.34	20d	1	0.41mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	14d	1	0.42mi
7115 Lucky Dr W Jacksonville, FL	3.0	1.0	1158	$1,500	$1.30	23d	1	0.47mi
6460 Lanark Ave Jacksonville, FL	2.0	1.0	708	$1,095	$1.55	23d	1	0.54mi
6418 Sapphire Dr Jacksonville, FL	3.0	1.5	1296	$1,350	$1.04	23d	1	0.56mi
41 Tallulah Ave Jacksonville, FL	3.0	1.0	1092	$1,390	$1.27	3d	1	0.62mi
646 Escambia St Jacksonville, FL	3.0	2.0	1200	$1,395	$1.16	21d	1	0.67mi
319 W 49th St Jacksonville, FL	2.0	1.0	977	$1,200	$1.23	23d	1	0.68mi
664 Escambia St Jacksonville, FL	3.0	2.0	1352	$1,500	$1.11	17d	1	0.68mi
33 W 55th St Jacksonville, FL	4.0	2.0	1387	$1,321	$0.95	3d	1	0.69mi
425 W 47th St Jacksonville, FL	3.0	1.5	1083	$1,193	$1.10	7d	1	0.73mi
562 W 49th St Jacksonville, FL	3.0	1.0	1091	$1,195	$1.10	23d	1	0.74mi
920 Alderside St Jacksonville, FL	3.0	1.0	1255	$1,195	$0.95	4d	1	0.78mi
5616 Calvin Ave Jacksonville, FL	3.0	1.0	1008	$1,195	$1.19	7d	1	0.78mi
7525 Oakwood St Jacksonville, FL	3.0	1.0	945	$1,375	$1.46	14d	1	0.80mi
961 Dorchester St Jacksonville, FL	2.0	1.0	884	$1,025	$1.16	3d	1	0.82mi
5514 Long St Jacksonville, FL	2.0	1.0	941	$1,250	$1.33	1d	1	0.85mi
7545 Wilder Ave Jacksonville, FL	3.0	1.0	1300	$1,150	$0.88	3d	1	0.86mi
6510 Avalon St Jacksonville, FL	4.0	2.0	1488	$1,425	$0.96	23d	1	0.87mi
1010 Edgewood Ave W Jacksonville, FL	4.0	2.0	1450	$1,250	$0.86	23d	1	0.93mi
1010 Edgewood Ave W Jacksonville, FL	4.0	2.0	1450	$1,250	$0.86	14d	1	0.93mi
525 E 60th St Jacksonville, FL	3.0	2.0	1120	$1,471	$1.31	23d	1	0.96mi
524 E 60th St Jacksonville, FL	3.0	1.0	1212	$1,195	$0.99	7d	1	0.96mi
516 E 58th St Jacksonville, FL	4.0	2.0	1232	$1,725	$1.40	7d	1	0.98mi
217 E 48th St Jacksonville, FL	3.0	1.0	979	$1,096	$1.12	10d	1	1.01mi
141 W 43rd St Jacksonville, FL	3.0	2.0	1022	$1,231	$1.20	3d	1	1.01mi
1136 Maynard St Jacksonville, FL	2.0	1.0	919	$1,045	$1.14	23d	1	1.03mi
549 E 55th St Jacksonville, FL	3.0	2.0	1230	$1,488	$1.21	10d	1	1.06mi
555 E 55th St Jacksonville, FL	3.0	2.0	1230	$1,488	$1.21	10d	1	1.06mi
567 E 55th St Jacksonville, FL	3.0	2.0	1230	$1,488	$1.21	14d	1	1.08mi
8027 Floyd St Jacksonville, FL	2.0	1.5	935	$1,300	$1.39	2d	1	1.08mi
18 W 43rd St Jacksonville, FL	2.0	1.0	750	$795	$1.06	4d	1	1.10mi

Listing history 22 events

1. 2026-06-18
   days on market $128,795 Active 80 DOM
2. 2026-06-17
   days on market $128,795 Active 79 DOM
3. 2026-06-16
   days on market $128,795 Active 78 DOM
4. 2026-06-15
   days on market $128,795 Active 77 DOM
5. 2026-06-13
   days on market $128,795 Active 74 DOM
6. 2026-06-10
   days on market $128,795 Active 71 DOM
7. 2026-06-08
   days on market $128,795 Active 70 DOM
8. 2026-06-07
   days on market $128,795 Active 69 DOM
9. 2026-06-03
   days on market $128,795 Active 65 DOM
10. 2026-06-02
    days on market $128,795 Active 64 DOM
11. 2026-06-01
    days on market $128,795 Active 63 DOM
12. 2026-05-31
    days on market $128,795 Active 62 DOM
13. 2026-03-29
    listed $128,795 Active
14. 2026-03-10
    historical 237-char remark

    Show marketing remark (237 chars)

    This 3/1 home was renovated lately. It's beautiful and has New roof, new kitchen, new bathroom and new wood floor. Fresh painted. In Tallulah quiet neighborhood. Close to I95, Large Detached Garage that can be used as a store, workspace.

15. 2026-02-12
    listed $130,000 Active 237-char remark

    Show marketing remark (237 chars)

    This 3/1 home was renovated lately. It's beautiful and has New roof, new kitchen, new bathroom and new wood floor. Fresh painted. In Tallulah quiet neighborhood. Close to I95, Large Detached Garage that can be used as a store, workspace.

16. 2022-02-03
    price $1,250
17. 2014-11-27
    historical 289-char remark

    Show marketing remark (289 chars)

    Great investment OR first time home buyer property. Renovated and updated in 2010 property including appliances (Stove, Disher, Washer and Refrigerator) Really nice 3bed/1ba. parks: Tallulah Park, North Shore Park and Buffalo Park. Restaurants:Jazzy Sweets, Joseph's Pizza and Dunbar's.

18. 2014-08-21
    listed $55,000 Active 289-char remark

    Show marketing remark (289 chars)

    Great investment OR first time home buyer property. Renovated and updated in 2010 property including appliances (Stove, Disher, Washer and Refrigerator) Really nice 3bed/1ba. parks: Tallulah Park, North Shore Park and Buffalo Park. Restaurants:Jazzy Sweets, Joseph's Pizza and Dunbar's.

19. 2014-08-21
    price $55,000 289-char remark

    Show marketing remark (289 chars)

    Great investment OR first time home buyer property. Renovated and updated in 2010 property including appliances (Stove, Disher, Washer and Refrigerator) Really nice 3bed/1ba. parks: Tallulah Park, North Shore Park and Buffalo Park. Restaurants:Jazzy Sweets, Joseph's Pizza and Dunbar's.

20. 2010-08-03
    soldstatus $49,000
21. 2008-10-23
    soldstatus $24,000
22. 2008-09-23
    listed $27,500

ⓘ 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: $1,748 · $146/mo
• Projected year-2 tax: $1,748 · $146/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 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: $16,452
• − Mortgage interest: −$7,215
• − Property taxes: −$1,748
• − Insurance: −$644
• − Repairs & maintenance: −$1,316
• − Management: −$1,316
• − Depreciation: −$3,747
• Taxable income: $467
• Est. tax owed @ 24.0%: −$112
• After-tax cash flow: $2,388/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

+368.3% since first listed

10 events — show timeline

• 2026-03-29 Listed $128,795 realMLS
• 2026-03-10 Listing Removed — realMLS
• 2026-02-12 Listed $130,000 realMLS
• 2022-02-03 Price Changed $1,250 RENT.
• 2014-11-27 Listing Removed — realMLS
• 2014-08-21 Price Changed $55,000 realMLS
• 2014-08-21 Listed $55,000 realMLS
• 2010-08-03 Sold (Public Records) $49,000 Public Records
• 2008-10-23 Sold (MLS) $24,000 realMLS
• 2008-09-23 Listed $27,500 realMLS

Property tax history

+6.6%/yr

Latest (2025): $1,748 · +17.6% YoY. Source: county tax records.