9068 11th Ave · Jacksonville, FL 32208

$95,900

3 bd · 1.0 ba · 840 sqft · SingleFamily public records · 12 Days on market

Built 1955 6,098 sqft lot Est $99k · 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
• DSCR +10.0/10.0
• 1% rule +9.6/10.0
• ARV discount +9.0/15.0
• 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

TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

Key facts

• 6,098 sq ft lot
• Parking
• Built 1955

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Carport (1 space)
• Utilities: Public sewer; Cable available; Electricity available
• Home design: Single-family residence; One story
• Construction: Block construction
• Exterior features: Shingle roof; City street frontage; Asphalt road surface

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Tile and vinyl flooring
• Laundry & utility: Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $96k.

Deal economics

• At list price, monthly cash flow is $337 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $96k).
• Cap rate 11.3% 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; 16 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 41% 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 $663 of loan paydown is wiped out by about $3k 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

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 22y 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 $80k; 19% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; 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 $95,900

Questions for the listing agent

1. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.46% ✓
• Cap rate: 11.34%
• Cash-on-cash: 18.01%
• DSCR: 1.80
• GRM: 5.7

CMA / ARV

• ARV (on-the-fly): $99,120
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9135 5th Ave	0.32mi	3/1.0	896 (+7%)	1mo	$80,500	$90	73
9152 6th Ave	0.26mi	2/1.0 (-1)	792 (-6%)	4mo	$119,000	$150	70
9036 10th Ave	0.06mi	3/1.0	924 (+10%)	13mo	$116,000	$126	70
9346 10th Ave	0.32mi	2/1.0 (-1)	864 (+3%)	12mo	$124,000	$144	65
9043 8th Ave	0.17mi	3/1.0	952 (+13%)	10mo	$111,500	$117	61
2140 Jayson Ave	0.68mi	3/1.0	768 (-9%)	3mo	$82,000	$107	52
9230 4th Ave	0.38mi	2/1.0 (-1)	752 (-10%)	12mo	$36,000	$48	50
9058 Jefferson Ave	0.66mi	3/1.0	936 (+11%)	0mo	$94,250	$101	50
6722 Helston Ct	0.72mi	3/1.5	888 (+6%)	15mo	$112,000	$126	42
8726 4th Ave	0.48mi	2/1.0 (-1)	952 (+13%)	10mo	$85,000	$89	42
9703 Campus Ave	0.74mi	3/2.0	760 (-10%)	6mo	$90,000	$118	41
2116 4th Ave	0.65mi	2/1.0 (-1)	720 (-14%)	11mo	$149,000	$207	31

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: 1.9%
• Equity multiple: 1.07×
• Total profit: $1,877
• Equity at exit: $14,299

10-year hold

• IRR: 7.9%
• Equity multiple: 1.51×
• Total profit: $13,709
• Equity at exit: $8,292

Cash invested: $26,852 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 291
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,403 high
• Mortgage (P&I): −$503
• Tax from tax record: −$163 /mo · $1,951/yr
• Insurance: −$40
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $337

Break-even live

Break-even rent $977

Max offer price $95,900

Occupancy floor 71%

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: $23,975
• Closing costs: $2,877
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9050 7th Ave Jacksonville, FL	3.0	1.0	896	$1,485	$1.66	23d	1	0.16mi
9248 9th Ave Jacksonville, FL	2.0	1.0	646	$995	$1.54	23d	1	0.22mi
9017 6th Ave Jacksonville, FL	2.0	1.0	1038	$1,098	$1.06	23d	1	0.25mi
9346 10th Ave Jacksonville, FL	3.0	1.0	985	$1,825	$1.85	23d	1	0.31mi
8663 5th Ave Jacksonville, FL	2.0	1.0	720	$1,045	$1.45	23d	1	0.50mi
2389 Hilly Rd Jacksonville, FL	3.0	1.0	908	$1,650	$1.82	23d	1	0.54mi
8642 2nd Ave Jacksonville, FL	3.0	2.0	1074	$1,245	$1.16	1d	1	0.60mi
8617 3rd Ave Jacksonville, FL	3.0	1.0	1048	$1,200	$1.15	10d	1	0.62mi
1975 Rugby Rd Jacksonville, FL	2.0	1.0	992	$1,100	$1.11	7d	1	0.65mi
9131 Jefferson Ave Jacksonville, FL	3.0	1.0	910	$1,350	$1.48	4d	1	0.66mi
2534 Aubrey Ave Jacksonville, FL	4.0	2.0	759	$1,250	$1.65	23d	1	0.92mi
2312 Palmdale St Jacksonville, FL	3.0	2.0	972	$1,231	$1.27	23d	1	0.99mi
7927 Reid Ave Jacksonville, FL	3.0	1.0	1055	$1,500	$1.42	23d	1	1.15mi
8253 Lexington Dr Jacksonville, FL	3.0	1.0	910	$1,330	$1.46	23d	1	1.30mi
912 Saratoga Blvd Jacksonville, FL	3.0	1.0	930	$1,250	$1.34	23d	1	1.32mi
9658 Gibson Ave Jacksonville, FL	3.0	1.5	977	$1,225	$1.25	23d	1	1.35mi

Listing history 31 events

1. 2026-06-08
   statusdays on market $95,900 Pending 12 DOM
2. 2026-06-07
   days on market $95,900 Active 11 DOM
3. 2026-06-05
   days on market $95,900 Active 8 DOM
4. 2026-06-03
   days on market $95,900 Active 7 DOM
5. 2026-06-02
   days on market $95,900 Active 6 DOM
6. 2026-06-01
   days on market $95,900 Active 5 DOM
7. 2026-05-31
   days on market $95,900 Active 4 DOM
8. 2026-05-05
   listed $95,900 Active
9. 2026-04-29
   status Active 105-char remark

   Show marketing remark (105 chars)

   TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

10. 2026-04-20
    status Pending 105-char remark

    Show marketing remark (105 chars)

    TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

11. 2026-04-20
    historical 105-char remark

    Show marketing remark (105 chars)

    TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

12. 2026-03-20
    listed $95,900 Active 105-char remark

    Show marketing remark (105 chars)

    TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

13. 2026-03-19
    status Active 105-char remark

    Show marketing remark (105 chars)

    TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

14. 2026-03-11
    status Pending 105-char remark

    Show marketing remark (105 chars)

    TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

15. 2026-03-11
    historical 105-char remark

    Show marketing remark (105 chars)

    TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

16. 2026-01-28
    listed $99,900 Active 105-char remark

    Show marketing remark (105 chars)

    TURN KEY RENTAL 3/1 LVP AND TILE FLOOORING THROUGHOUT,CONCRETE BLOCK CONSTRUCTION. $1500 A MONTH RENTAL.

17. 2026-01-27
    historical
18. 2025-12-04
    price $109,900
19. 2025-12-04
    listed $109 Active
20. 2019-07-24
    soldstatus $80,500
21. 2009-01-14
    historical
22. 2009-01-13
    soldstatus $13,000
23. 2008-10-15
    listed $13,000
24. 2005-03-07
    soldstatus $70,000
25. 2005-02-02
    historical
26. 2004-11-16
    historical
27. 2004-08-02
    listed $78,500
28. 2004-05-16
    listed $69,900
29. 1999-07-23
    soldstatus $54,000
30. 1999-07-23
    soldstatus $54,000
31. 1976-11-05
    soldstatus $6,800

ⓘ 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: $1,951 · $163/mo
• Projected year-2 tax: $1,951 · $163/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 7/10 Severe FEMA zone X (unshaded) · 75% chance over 30 yrs
• 🔥 Wildfire 2/10 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: $16,839
• − Mortgage interest: −$5,372
• − Property taxes: −$1,951
• − Insurance: −$1,277
• − Repairs & maintenance: −$1,347
• − Management: −$1,347
• − Depreciation: −$2,790
• Taxable income: $2,755
• Est. tax owed @ 24.0%: −$661
• After-tax cash flow: $3,379/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

+1310.3% since first listed

24 events — show timeline

• 2026-05-05 Listed $95,900 realMLS
• 2026-04-29 Relisted — realMLS
• 2026-04-20 Pending — realMLS
• 2026-04-20 Listing Removed — realMLS
• 2026-03-20 Listed $95,900 realMLS
• 2026-03-19 Relisted — realMLS
• 2026-03-11 Pending — realMLS
• 2026-03-11 Listing Removed — realMLS
• 2026-01-28 Listed $99,900 realMLS
• 2026-01-27 Listing Removed — realMLS
• 2025-12-04 Price Changed $109,900 realMLS
• 2025-12-04 Listed $109 realMLS
• 2019-07-24 Sold (Public Records) $80,500 Public Records
• 2009-01-14 Listing Removed — realMLS
• 2009-01-13 Sold (MLS) $13,000 realMLS
• 2008-10-15 Listed $13,000 realMLS
• 2005-03-07 Sold (Public Records) $70,000 Public Records
• 2005-02-02 Listing Removed — realMLS
• 2004-11-16 Listing Removed — realMLS
• 2004-08-02 Listed $78,500 realMLS
• 2004-05-16 Listed $69,900 realMLS
• 1999-07-23 Sold (Public Records) $54,000 Public Records
• 1999-07-23 Sold (Public Records) $54,000 Public Records
• 1976-11-05 Sold (Public Records) $6,800 Public Records

Property tax history

+9.6%/yr

Latest (2025): $1,951 · +18.3% YoY. Source: county tax records.