None · Jacksonville, FL 32222

$199,990

2 bd · 2.5 ba · 1,395 sqft · Townhouse · 36 Days on market

Built 2026 Good condition 1,890 sqft lot $120/mo HOA · 7% of rent ↓ 2% since listing

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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).

• Cash flow +7.9/30.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Condition / age +4.2/5.0
• Schools +3.6/10.0
• Rent growth +3.2/5.0
• 1% rule +3.1/10.0
• DSCR +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

The Julington II is an inviting two-story interior townhome features 2 bedrooms, 2.5 baths, and a versatile loft space--perfect for a home office or additional living area. The open-concept main floor includes a spacious great room and a well-equipped kitchen with a convenient pantry, ideal for everyday living and entertaining. Upstairs, both bedrooms offer privacy, with the primary suite boasting a dual-sink vanity for added comfort. A 1-car garage adds practicality, while the smart layout provides a comfortable and low-maintenance lifestyle. *Sample photos represent the floor plan, and are not of the actual home.

Key facts

• $120 HOA
• Garage
• Built 2026

🏗️ New construction. The $199,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $219,506.

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath townhouse listed at $200k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-231 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $186k (7.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (11.0% below list).
• Recommended offer: $178k (11.0% below list) — sets the bar for 1% rule.
• Cap rate 5.0% vs local median 4.0% in Jacksonville — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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: Thomas Jefferson Elementary (math 60% / reading 55%, grade C+, #764 of 2,144 statewide, top 36%, 446 students, 57% FRL); Jean Ribault Middle School (math 28% / reading 24%, grade F, #506 of 571 statewide, top 89%, 679 students, 78% FRL); Edward H. White High School (math 31% / reading 25%, grade F, #464 of 667 statewide, top 70%, 1,538 students, 64% FRL) — zoned schools average 66% FRL vs 49% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.6%/yr); 258 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals lingering (median 38d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 53% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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 $2k of loan paydown is wiped out by about $7k 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 36 days — a 3% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $12k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $177,955 (11.0% 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. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
7. 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.
8. 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.
9. 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: 0.81% ✗
• Cap rate: 5.03%
• Cash-on-cash: -4.51%
• DSCR: 0.80
• GRM: 10.3

CMA / ARV

• ARV (median comp): $219,506
• List price: $199,990
• Delta: -8.89%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9162 Tender Ln	0.02mi	2/2.5	1,395 (0%)	0mo	$209,990	$151	99
9164 Tender Ln	0.02mi	2/2.5	1,395 (0%)	1mo	$199,990	$143	98
9170 Tender Ln	0.03mi	2/2.5	1,395 (0%)	1mo	$217,000	$156	98
9189 Tender Ln	0.05mi	2/2.5	1,395 (0%)	0mo	$214,000	$153	97
9148 Tender Ln	0.00mi	2/2.5	1,395 (0%)	4mo	$215,000	$154	96
9154 Tender Ln	0.01mi	3/2.5 (+1)	1,395 (0%)	2mo	$224,000	$161	93
9179 Tender Ln	0.04mi	3/2.5 (+1)	1,395 (0%)	2mo	$221,990	$159	92
9146 Tender Ln	0.09mi	2/2.5	1,395 (0%)	6mo	$210,490	$151	91
9173 Tender Ln	0.10mi	2/2.5	1,395 (0%)	7mo	$209,990	$151	90

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 · 2.62% rent growth · sell at horizon

5-year hold

• IRR: -24.3%
• Equity multiple: 0.17×
• Total profit: $-50,867
• Equity at exit: $32,729

10-year hold

• IRR: -20.8%
• Equity multiple: -0.07×
• Total profit: $-65,600
• Equity at exit: $18,979

Cash invested: $61,462 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 10 active · 11 under contract
• Months of supply: 7.5 mo (13%/mo absorbed)
• Median asking: $213,210 ($151/sqft)
• Median days on market: 74 d
• This list price: 10% of active listings are priced below it
• ARV vs active asking: +4.2% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 32222

• Home prices YoY: -20.0%
• Rents YoY: 2.6%
• Active inventory: 258
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,780 high
• Mortgage (P&I): −$1,151
• Tax est. 1.5%: −$274 /mo · $3,293/yr
• Insurance: −$91
• HOA: −$120
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $-231

Break-even live

Break-even rent $2,072

Max offer price $186,064

Occupancy floor —

Sensitivity live

Price	-10% $-79	-5% $-155	+0% $-231	+5% $-307	+10% $-383
Rent	-10% $-372	-5% $-301	+0% $-231	+5% $-161	+10% $-91
Rate	-1.0pp $-121	-0.5pp $-175	base $-231	+0.5pp $-288	+1.0pp $-346

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: $54,877
• Closing costs: $6,585
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3994 Haymon Ave Jacksonville, FL	3.0	2.5	1492	$1,575	$1.06	55d	1	0.09mi
9108 Red Bird Ln Unit ARIA Jacksonville, FL	3.0	2.0	1714	$2,130	$1.24	7d	1	0.10mi
4001 Haymon Ave Jacksonville, FL	3.0	2.5	1502	$2,400	$1.60	158d	1	0.12mi
4001 Haymon Ave Jacksonville, FL	3.0	2.0	1502	$1,500	$1.00	10d	1	0.12mi
4001 Haymon Ave Jacksonville, FL	3.0	2.0	1502	$1,645	$1.10	45d	1	0.12mi
4001 Haymon Ave Jacksonville, FL	3.0	2.5	1502	$2,400	$1.60	133d	1	0.12mi
3980 Bay Hawk Ct Jacksonville, FL	3.0	2.5	1492	$1,595	$1.07	29d	1	0.14mi
3980 Bay Hawk Ct Jacksonville, FL	3.0	2.5	1492	$1,695	$1.14	152d	1	0.14mi
4015 Haymon Ave Jacksonville, FL	2.0	2.5	1210	$1,450	$1.20	114d	1	0.14mi
9113 Red Bird Ln Jacksonville, FL	3.0–5.0	2.0–3.0	2106	$2,131	$1.01	0d	4	0.14mi
4002 Bay Hawk Ct Jacksonville, FL	3.0	2.5	1502	$1,500	$1.00	37d	1	0.14mi
4002 Bay Hawk Ct Jacksonville, FL	3.0	3.0	1502	$1,500	$1.00	26d	1	0.14mi
3997 Bay Hawk Ct Unit 3997 Jacksonville, FL	3.0	2.5	1503	$1,850	$1.23	2d	1	0.17mi
4001 Bay Hawk Ct Jacksonville, FL	2.0	2.5	1202	$1,525	$1.27	10d	1	0.17mi
9049 Gifford Dr Jacksonville, FL	2.0	2.5	1202	$1,675	$1.39	14d	1	0.19mi
9049 Gifford Dr Jacksonville, FL	2.0	3.0	1202	$1,600	$1.33	10d	1	0.19mi
9008 Gifford Dr Jacksonville, FL	2.0	2.5	1202	$1,650	$1.37	164d	1	0.23mi
9015 Gifford Dr Jacksonville, FL	2.0	2.5	1202	$1,550	$1.29	55d	1	0.23mi
9015 Gifford Dr Jacksonville, FL	2.0	2.5	1202	$1,600	$1.33	119d	1	0.23mi

Listing history 50 events

1. 2026-11-08
   days on market $199,990 Active 36 DOM
2. 2026-11-07
   days on market $199,990 Active 35 DOM
3. 2026-11-06
   days on market $199,990 Active 34 DOM
4. 2026-11-05
   days on market $199,990 Active 33 DOM
5. 2026-11-04
   days on market $199,990 Active 32 DOM
6. 2026-11-02
   days on market $199,990 Active 30 DOM
7. 2026-11-01
   days on market $199,990 Active 29 DOM
8. 2026-10-31
   days on market $199,990 Active 28 DOM
9. 2026-10-30
   days on market $199,990 Active 27 DOM
10. 2026-10-29
    days on market $199,990 Active 26 DOM
11. 2026-10-28
    days on market $199,990 Active 25 DOM
12. 2026-10-27
    days on market $199,990 Active 24 DOM
13. 2026-10-26
    days on market $199,990 Active 23 DOM
14. 2026-10-25
    days on market $199,990 Active 22 DOM
15. 2026-10-24
    days on market $199,990 Active 21 DOM
16. 2026-10-23
    days on market $199,990 Active 20 DOM
17. 2026-10-22
    days on market $199,990 Active 19 DOM
18. 2026-10-21
    days on market $199,990 Active 18 DOM
19. 2026-10-20
    days on market $199,990 Active 17 DOM
20. 2026-10-19
    days on market $199,990 Active 16 DOM
21. 2026-10-18
    days on market $199,990 Active 15 DOM
22. 2026-10-17
    days on market $199,990 Active 14 DOM
23. 2026-10-16
    days on market $199,990 Active 13 DOM
24. 2026-10-15
    days on market $199,990 Active 12 DOM
25. 2026-10-14
    days on market $199,990 Active 11 DOM
26. 2026-10-13
    days on market $199,990 Active 10 DOM
27. 2026-10-12
    days on market $199,990 Active 9 DOM
28. 2026-10-11
    days on market $199,990 Active 8 DOM
29. 2026-10-10
    days on market $199,990 Active 7 DOM
30. 2026-10-09
    pricedays on market $199,990 Active 6 DOM
31. 2026-10-08
    days on market $209,990 Active 5 DOM
32. 2026-10-07
    days on market $209,990 Active 4 DOM
33. 2026-10-06
    days on market $209,990 Active 3 DOM
34. 2026-10-05
    days on market $209,990 Active 2 DOM
35. 2026-10-04
    pricestatusdays on market $209,990 Active 1 DOM
36. 2026-08-09
    remarks 665-char remark

    Show marketing remark (629 chars)

    The Julington II is an inviting two-story interior townhome features 2 bedrooms, 2.5 baths, and a versatile loft space--perfect for a home office or additional living area. The open-concept main floor includes a spacious great room and a well-equipped kitchen with a convenient pantry, ideal for everyday living and entertaining. Upstairs, both bedrooms offer privacy, with the primary suite boasting a dual-sink vanity for added comfort. A 1-car garage adds practicality, while the smart layout provides a comfortable and low-maintenance lifestyle. *Sample photos represent the floor plan, and are not of the actual home.

37. 2026-08-09
    statusdays on marketlisting id $211,990 Pending

    Show marketing remark (629 chars)

    The Julington II is an inviting two-story interior townhome features 2 bedrooms, 2.5 baths, and a versatile loft space--perfect for a home office or additional living area. The open-concept main floor includes a spacious great room and a well-equipped kitchen with a convenient pantry, ideal for everyday living and entertaining. Upstairs, both bedrooms offer privacy, with the primary suite boasting a dual-sink vanity for added comfort. A 1-car garage adds practicality, while the smart layout provides a comfortable and low-maintenance lifestyle. *Sample photos represent the floor plan, and are not of the actual home.

38. 2026-08-09
    days on market $211,990 Active 77 DOM

    Show marketing remark (629 chars)

    The Julington II is an inviting two-story interior townhome features 2 bedrooms, 2.5 baths, and a versatile loft space--perfect for a home office or additional living area. The open-concept main floor includes a spacious great room and a well-equipped kitchen with a convenient pantry, ideal for everyday living and entertaining. Upstairs, both bedrooms offer privacy, with the primary suite boasting a dual-sink vanity for added comfort. A 1-car garage adds practicality, while the smart layout provides a comfortable and low-maintenance lifestyle. *Sample photos represent the floor plan, and are not of the actual home.

39. 2026-08-08
    days on market $211,990 Active 76 DOM
40. 2026-08-07
    days on market $211,990 Active 75 DOM
41. 2026-08-06
    days on market $211,990 Active 74 DOM
42. 2026-08-05
    days on market $211,990 Active 73 DOM
43. 2026-08-04
    days on market $211,990 Active 72 DOM
44. 2026-08-03
    days on market $211,990 Active 71 DOM
45. 2026-07-31
    days on market $211,990 Active 68 DOM
46. 2026-07-30
    days on market $211,990 Active 67 DOM
47. 2026-07-30
    days on market $211,990 Active 66 DOM
48. 2026-07-28
    pricedays on market $211,990 Active 65 DOM
49. 2026-07-24
    days on market $217,542 Active 61 DOM

    Show marketing remark (629 chars)

    The Julington II is an inviting two-story interior townhome features 2 bedrooms, 2.5 baths, and a versatile loft space--perfect for a home office or additional living area. The open-concept main floor includes a spacious great room and a well-equipped kitchen with a convenient pantry, ideal for everyday living and entertaining. Upstairs, both bedrooms offer privacy, with the primary suite boasting a dual-sink vanity for added comfort. A 1-car garage adds practicality, while the smart layout provides a comfortable and low-maintenance lifestyle. *Sample photos represent the floor plan, and are not of the actual home.

50. 2026-07-23
    days on market $217,542 Active 60 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°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 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,355
• − Mortgage interest: −$12,296
• − Property taxes: −$3,293
• − Insurance: −$1,098
• − Repairs & maintenance: −$1,708
• − Management: −$1,708
• − HOA: −$1,440
• − Depreciation: −$6,386
• Taxable loss: −$6,574
• Est. tax savings @ 24.0%: +$1,578
• After-tax cash flow: $-1,196/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.

Condition & rehab AI · 14 photos

Good 85/100 None rehab

This two-story townhome is in excellent condition with modern finishes and a low-maintenance lifestyle. It is move-in ready and would benefit from minor exterior painting and landscaping improvements to enhance its curb appeal.

Value-add opportunities

• Resale Painting the exterior siding — Enhances curb appeal and can increase the home's value. ↑
• Resale Landscaping improvements — Enhances curb appeal and can increase the home's value. ↑
• Rental Kitchen appliances — Modern appliances can attract renters and increase rental value. ↑
• Both Bedroom carpet cleaning — Fresh carpet can improve the home's appearance and attract buyers/renters. ↑
• Both Painting interior walls — Fresh paint can improve the home's appearance and attract buyers/renters. ↑

F Composite school gradezoned avg 36/100

Zoned Schools

Elementary Thomas Jefferson Elementary C+ FL #764/2,144 Nat'l #8,415/41,679 Middle Highlands Middle School F FL #506/571 Nat'l #10,089/14,009 High Jean Ribault High School F FL #533/667 Nat'l #13,485/17,239

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

A Composite livability gradescore 83/100

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 · 1,013,010 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 18,258
• Household income: $85,649
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 18% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 39% Black 34% Hispanic / Latino 16% Two or more races 8% Asian 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 6% Cuban 2% Dominican 1%
• Languages at home: 83% English-only · Spanish 12% Tagalog/Filipino 3% Other Asian/Pacific 1%

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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: ▼ -64.56%
• Current HPI: 257.6466
• Rent YoY: ▲ 2.62%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

-1.7% since first listed

7 events — show timeline

• 2026-08-09 Pending — realMLS
• 2026-08-09 Listed $211,990 Stellar MLS as Distributed by MLS Grid
• 2026-08-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-07-24 Price Changed $211,990 realMLS
• 2026-06-08 Price Changed $217,542 realMLS
• 2026-06-06 Price Changed $216,542 realMLS
• 2026-05-24 Listed $215,740 realMLS