1522 26th St · Jacksonville, FL 32209

$74,500

3 bd · 1.0 ba · 882 sqft · SingleFamily public records · 69 Days on market

Built 1953 3,484 sqft lot Est $80k · 7% under

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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
• ARV discount +10.7/15.0
• DSCR +10.0/10.0
• 1% rule +9.7/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 1522 W 26th St, a great opportunity in Jacksonville's growing Northside area. This concrete block home offers 3 bedrooms and 1 bathroom with a functional layout, making it ideal for both homeowners and investors. The property features solid construction and a spacious lot, providing a strong foundation for updates or long-term rental potential. Inside, the home offers defined living spaces and plenty of natural light throughout. Conveniently located just minutes from Downtown Jacksonville, major highways, shopping, and dining, this property offers easy access to everything the city has to offer. Whether you're looking to add to your rental portfolio or find an affordable home wit

Key facts

• Solid construction
• Easy access
• Natural light

Tags

• SOLID CONSTRUCTION
• SPACIOUS LOT
• DEFINED LIVING SPACES
• NATURAL LIGHT
• EASY ACCESS

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Other parking type
• Utilities: Electricity available
• Home design: Single family residence used as a single-family home
• Exterior features: No private pool

Interior

• Kitchen: Appliances included (details not specified)
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Includes unspecified built-in appliances
• Laundry & utility: Utility service: Electricity available

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $74k.

Deal economics

• At list price, monthly cash flow is $336 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $74k).
• Recommended offer: $70k (6.0% below list) — sets the bar for market timing.
• Cap rate 11.7% 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 rising (+1.8%/yr); 394 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).
• This rent runs 43% of the median local income ($31k/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 $515 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 1.8% rent growth), your $21k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 69 days — a 6% lower offer ($70k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1953 — 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 $70,030 (6.0% below list)

Questions for the listing agent

1. It's been on market 69 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 1953 — 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: 1.47% ✓
• Cap rate: 11.71%
• Cash-on-cash: 19.33%
• DSCR: 1.86
• GRM: 5.7

CMA / ARV

• ARV (on-the-fly): $80,262
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1751 W 20th St	0.40mi	2/1.0 (-1)	880 (-0%)	2mo	$27,500	$31	75
1323 W 30th St	0.33mi	3/1.0	962 (+9%)	1mo	$115,000	$120	69
2715 Myrtle Ave N	0.50mi	2/1.0 (-1)	900 (+2%)	3mo	$98,000	$109	66
1526 W 14th St	0.56mi	3/1.0	916 (+4%)	3mo	$95,000	$104	65
1717 W 29th St	0.31mi	2/1.0 (-1)	802 (-9%)	4mo	$42,000	$52	62
1204 W 29th St	0.46mi	3/1.0	960 (+9%)	2mo	$50,000	$52	62
1279 W 20th St	0.43mi	2/1.0 (-1)	962 (+9%)	2mo	$87,500	$91	59
1004 W 26th St	0.69mi	3/1.0	936 (+6%)	2mo	$102,500	$110	56
1753 W 12th St	0.68mi	3/1.0	827 (-6%)	4mo	$45,000	$54	54
1076 W 32nd St	0.66mi	2/1.0 (-1)	825 (-6%)	2mo	$48,000	$58	52
1901 Pullman Ct	0.57mi	2/1.0 (-1)	969 (+10%)	0mo	$98,000	$101	51
1149 W 20th St	0.57mi	2/1.0 (-1)	768 (-13%)	4mo	$60,000	$78	44

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 · 1.81% rent growth · sell at horizon

5-year hold

• IRR: 9.9%
• Equity multiple: 1.39×
• Total profit: $8,061
• Equity at exit: $11,108

10-year hold

• IRR: 18.1%
• Equity multiple: 2.41×
• Total profit: $29,487
• Equity at exit: $6,441

Cash invested: $20,860 (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 32209

• Home prices YoY: -22.1%
• Rents YoY: 1.8%
• Active inventory: 394
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,098 high
• Mortgage (P&I): −$391
• Tax from tax record: −$110 /mo · $1,315/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $336

Break-even live

Break-even rent $673

Max offer price $74,500

Occupancy floor 64%

Sensitivity live

Price	-10% $378	-5% $357	+0% $336	+5% $315	+10% $294
Rent	-10% $249	-5% $293	+0% $336	+5% $379	+10% $423
Rate	-1.0pp $374	-0.5pp $355	base $336	+0.5pp $317	+1.0pp $297

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: $18,625
• Closing costs: $2,235
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1556 W 28th St Jacksonville, FL	2.0	1.0	682	$875	$1.28	11d	1	0.10mi
1437 W 26th St Jacksonville, FL	2.0	1.0	644	$650	$1.01	24d	1	0.14mi
1625 W 26th St Unit 4 Jacksonville, FL	2.0	1.0	750	$900	$1.20	24d	1	0.16mi
1625 W 26th St Unit 2 Jacksonville, FL	2.0	1.0	750	$800	$1.07	24d	1	0.16mi
1625 W 26th St Jacksonville, FL	2.0	1.0	750	$800	$1.07	2d	1	0.16mi
1526 W 22nd St Jacksonville, FL	2.0	1.0	624	$900	$1.44	17d	1	0.19mi
1636 W 28th St Jacksonville, FL	3.0	2.0	912	$1,375	$1.51	24d	1	0.20mi
1363 W 24th St Jacksonville, FL	2.0	1.0	660	$995	$1.51	5d	1	0.22mi
1645 W 23rd St Unit 2 Jacksonville, FL	3.0	1.0	912	$1,275	$1.40	24d	1	0.22mi
1593 W 21st St Jacksonville, FL	2.0	1.0	805	$922	$1.15	24d	1	0.23mi
1599 W 30th St Unit B Jacksonville, FL	2.0	1.0	780	$1,150	$1.47	15d	1	0.24mi
1584 W 31st St Unit 3 Jacksonville, FL	2.0	1.0	832	$900	$1.08	24d	1	0.25mi
4114 Moncrief Rd Jacksonville, FL	2.0	1.0	821	$975	$1.19	8d	1	0.29mi
4114 Moncrief Rd Unit 2 Jacksonville, FL	2.0	1.0	821	$1,050	$1.28	24d	1	0.29mi
1737 W 28th St Jacksonville, FL	3.0	1.0	1105	$700	$0.63	24d	1	0.31mi
1417 W 31st St Jacksonville, FL	3.0	1.0	880	$1,100	$1.25	2d	1	0.31mi
1359 W 20th St Jacksonville, FL	2.0	1.0	901	$1,134	$1.26	18d	1	0.34mi
1551 W 33rd St #2 Jacksonville, FL	2.0	1.0	842	$795	$0.94	21d	1	0.35mi
1316 W 31st St Jacksonville, FL	2.0	1.0	906	$998	$1.10	24d	1	0.36mi
1830 W 27th St Jacksonville, FL	3.0	2.0	952	$1,375	$1.44	24d	1	0.38mi
1842 W 26th St Jacksonville, FL	3.0	2.0	933	$1,200	$1.29	24d	1	0.39mi
1220 W 28th St Jacksonville, FL	3.0	1.0	1122	$1,299	$1.16	24d	1	0.43mi
1839 W 30th St Jacksonville, FL	3.0	1.0	828	$1,050	$1.27	24d	1	0.44mi
1201 W 27th St Jacksonville, FL	3.0	2.0	1120	$1,145	$1.02	24d	1	0.45mi
1863 W 29th St Jacksonville, FL	3.0	2.0	956	$1,190	$1.24	22d	1	0.45mi
2811 N Myrtle Ave #1 Jacksonville, FL	2.0	2.0	855	$1,121	$1.31	5d	1	0.48mi
1653 W 35th St Jacksonville, FL	2.0	1.0	800	$825	$1.03	24d	1	0.48mi
1525 W 15th St Jacksonville, FL	3.0	1.0	1100	$1,245	$1.13	24d	1	0.49mi
1196 W 30th St Jacksonville, FL	2.0	1.0	875	$880	$1.01	18d	1	0.49mi
1173 W 27th St Jacksonville, FL	3.0	1.0	1080	$1,145	$1.06	14d	1	0.49mi
1185 W 22nd St Unit U Jacksonville, FL	2.0	1.0	900	$850	$0.94	8d	1	0.50mi
1145 W 25th St Unit 1 Jacksonville, FL	2.0	1.0	676	$775	$1.15	18d	1	0.52mi
1968 W 23rd St Unit Main Jacksonville, FL	3.0	2.0	1106	$1,400	$1.27	22d	1	0.55mi
1124 W 25th St #4 Jacksonville, FL	2.0	1.0	676	$1,000	$1.48	24d	1	0.55mi
1971 W 22nd St Jacksonville, FL	3.0	1.0	1094	$1,095	$1.00	8d	1	0.55mi
1901 Pullman Ct Jacksonville, FL	2.0	1.0	969	$1,295	$1.34	8d	1	0.57mi
2904 Moncrief Rd Jacksonville, FL	3.0	1.0	952	$1,100	$1.16	24d	1	0.58mi
1104 W 24th St Jacksonville, FL	2.0	1.0	786	$600	$0.76	18d	1	0.59mi
1104 W 29th St Unit 1104 Jacksonville, FL	2.0	1.0	624	$850	$1.36	24d	1	0.60mi
3902 Stuart St Jacksonville, FL	2.0	2.0	1114	$1,050	$0.94	24d	1	0.63mi

Listing history 17 events

1. 2026-06-18
   days on market $74,500 Active 69 DOM
2. 2026-06-17
   days on market $74,500 Active 68 DOM
3. 2026-06-16
   days on market $74,500 Active 67 DOM
4. 2026-06-15
   days on market $74,500 Active 66 DOM
5. 2026-06-13
   days on market $74,500 Active 63 DOM
6. 2026-06-10
   days on market $74,500 Active 60 DOM
7. 2026-06-08
   days on market $74,500 Active 59 DOM
8. 2026-06-07
   days on market $74,500 Active 58 DOM
9. 2026-06-05
   days on market $74,500 Active 55 DOM
10. 2026-06-03
    days on market $74,500 Active 54 DOM
11. 2026-06-02
    days on market $74,500 Active 53 DOM
12. 2026-06-01
    days on market $74,500 Active 52 DOM
13. 2026-05-31
    days on market $74,500 Active 51 DOM
14. 2026-05-20
    price $74,500
15. 2026-04-09
    listed $79,000 Active
16. 2021-12-01
    soldstatus $120,000
17. 1972-06-23
    soldstatus $7,000

ⓘ 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: $1,315 · $110/mo
• Projected year-2 tax: $1,315 · $110/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: $13,176
• − Mortgage interest: −$4,173
• − Property taxes: −$1,315
• − Insurance: −$372
• − Repairs & maintenance: −$1,054
• − Management: −$1,054
• − Depreciation: −$2,167
• Taxable income: $3,040
• Est. tax owed @ 24.0%: −$730
• After-tax cash flow: $3,304/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): 34,657
• Household income: $30,514
• Rent vs Own: 53.0% rent · 47.0% own
• Severe rent burden: 2921.0

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 (88%)
• Race & ethnicity: Black 88% White 5% Hispanic / Latino 5% Two or more races 2%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Hispanic 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% French/Haitian/Cajun 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: ▼ -53.92%
• Current HPI: 189.5977
• Rent YoY: ▲ 1.81%
• 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

+964.3% since first listed

4 events — show timeline

• 2026-05-20 Price Changed $74,500 realMLS
• 2026-04-09 Listed $79,000 realMLS
• 2021-12-01 Sold (Public Records) $120,000 Public Records
• 1972-06-23 Sold (Public Records) $7,000 Public Records

Property tax history

+9.2%/yr

Latest (2025): $1,315 · +20.4% YoY. Source: county tax records.