6915 Ortega Woods Dr #3-12 · Jacksonville, FL 32244

$128,000

2 bd · 2.0 ba · 1,118 sqft · Condo public records · 132 Days on market

Built 2009 $300/mo HOA · 21% of rent ↓ 25% 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 +10.7/30.0
• ARV discount +7.5/15.0
• 1% rule +6.2/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• DSCR +3.1/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

Key facts

• Split-bedroom layout
• Private balcony
• Ample cabinet space

Tags

• PRIVATE BALCONY
• SPLIT-BEDROOM LAYOUT
• AMPLE CABINET SPACE
• TILE FLOORING
• WELL-KEPT APPLIANCE PACKAGE
• CONVENIENTLY LOCATED

Property features AI

Finance

• HOA & community: Association with monthly fee of $300; Association maintains grounds and structure; Community playground; Not a senior community

Exterior

• Parking: Additional parking; Assigned parking
• Security: Smoke detector(s)
• Utilities: Public sewer; Cable available; Electricity connected; Sewer connected; Water connected
• Home design: Condominium; One story; Entry on level 2; Residential use
• Construction: Stucco construction
• Exterior features: Balcony; Other lot features

Interior

• Kitchen: Dishwasher; Disposal; Electric range; Microwave; Refrigerator; Water softener (owned)
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fan(s); Pantry; Primary bathroom with tub and shower; Split bedrooms; Vaulted ceiling(s)
• Laundry & utility: In-unit laundry; Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $128k.

Deal economics

• At list price, monthly cash flow is $-60 ($-723/yr) — negative.
• To cash-flow at today's rent, offer at most $117k (8.3% below list).
• Meets the 1% rule at list price ($1k rent vs $128k).
• Recommended offer: $113k (12.0% below list) — sets the bar for market timing.
• Cap rate 5.7% vs local median 3.9% 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: Timucuan Elementary School (math 34% / reading 22%, grade F, #1,951 of 2,144 statewide, top 91%, 491 students, 77% FRL); Westside Middle School (math 25% / reading 22%, grade F, #536 of 571 statewide, top 95%, 593 students, 70% FRL); Westside High School (math 26% / reading 19%, grade F, #539 of 667 statewide, top 81%, 1,583 students, 63% FRL) — zoned schools average 70% FRL vs 49% district-wide (21 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 25% at this address vs 46% district-wide (-21 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+2.2%/yr); 353 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $885 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 132 days — a 12% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $7k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 21% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $112,640 (12.0% 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 132 days. Have you received any prior offers? Is the seller open to a 12% 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. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. 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.
10. 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.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.12% ✓
• Cap rate: 5.73%
• Cash-on-cash: -2.02%
• DSCR: 0.91
• GRM: 7.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.25% rent growth · sell at horizon

5-year hold

• IRR: -20.6%
• Equity multiple: 0.29×
• Total profit: $-25,445
• Equity at exit: $19,085

10-year hold

• IRR: -15.7%
• Equity multiple: 0.15×
• Total profit: $-30,589
• Equity at exit: $11,067

Cash invested: $35,840 (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 32244

• Home prices YoY: -17.8%
• Rents YoY: 2.2%
• Active inventory: 353
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,438 high
• Mortgage (P&I): −$671
• Tax from tax record: −$172 /mo · $2,061/yr
• Insurance: −$53
• HOA: −$300
• Vacancy / Maint / Mgmt: −$302
• Net cashflow: $-60

Break-even live

Break-even rent $1,514

Max offer price $117,350

Occupancy floor 99%

Sensitivity live

Price	-10% $12	-5% $-24	+0% $-60	+5% $-97	+10% $-133
Rent	-10% $-174	-5% $-117	+0% $-60	+5% $-3	+10% $53
Rate	-1.0pp $4	-0.5pp $-28	base $-60	+0.5pp $-93	+1.0pp $-127

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: $32,000
• Closing costs: $3,840
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6915 Ortega Woods Dr Unit 11 Jacksonville, FL	2.0	2.0	940	$1,150	$1.22	22d	1	0.02mi
6880 Skaff Ave Jacksonville, FL	2.0	2.0	940	$1,285	$1.37	25d	1	0.09mi
6985 Ortega Woods Dr Unit 8 Jacksonville, FL	3.0	2.0	1157	$1,350	$1.17	4d	1	0.11mi
5900 Townsend Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1177	$1,539	$1.31	4d	12	0.33mi
7350 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	872	$1,330	$1.53	4d	23	0.49mi
7557 Cliff Cottage Dr Jacksonville, FL	3.0	2.0	1480	$1,875	$1.27	25d	1	0.57mi
6024 Du Clay Rd Jacksonville, FL	2.0	2.5	1278	$1,400	$1.10	3d	1	0.59mi
6028 Du Clay Rd Jacksonville, FL	2.0	3.0	1308	$1,500	$1.15	25d	1	0.59mi
7052 Jammes Rd Jacksonville, FL	3.0	2.0	990	$1,910	$1.93	25d	1	0.73mi
6105 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,325	$1.18	19d	2	0.74mi
6105 Maggies Cir #115 Jacksonville, FL	3.0	2.0	1335	$1,425	$1.07	3d	1	0.74mi
6111 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,350	$1.01	25d	1	0.76mi
6051 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,400	$1.05	23d	1	0.78mi
6099 Maggies Cir #101 Jacksonville, FL	3.0	2.0	1335	$1,650	$1.24	19d	1	0.79mi
6100 Maggies Cir #103 Jacksonville, FL	2.0	2.0	907	$1,300	$1.43	14d	1	0.79mi
6112 Maggies Cir #108 Jacksonville, FL	3.0	2.0	1335	$1,375	$1.03	25d	1	0.79mi
6094 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,425	$1.07	16d	1	0.82mi
6063 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,300	$1.16	18d	2	0.84mi
6063 Maggies Cir #110 Jacksonville, FL	3.0	2.0	1335	$1,350	$1.01	6d	1	0.84mi
6087 Maggies Cir #104 Jacksonville, FL	2.0	2.0	1099	$1,275	$1.16	25d	1	0.85mi
7610 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	880	$1,125	$1.28	16d	1	0.87mi
6433 Breezy Oaks Way Jacksonville, FL	2.0	2.0	952	$1,295	$1.36	25d	1	0.98mi
6457 Breezy Oaks Way Jacksonville, FL	2.0	2.0	952	$1,275	$1.34	12d	1	1.01mi
6463 Breezy Oaks Way Jacksonville, FL	2.0	2.0	952	$1,295	$1.36	9d	1	1.02mi
6637 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1158	$1,695	$1.46	25d	1	1.10mi
6637 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1158	$1,695	$1.46	18d	1	1.10mi
6517 Breezy Oaks Way Jacksonville, FL	2.0	2.0	952	$1,295	$1.36	25d	1	1.10mi
6523 Breezy Oaks Way Jacksonville, FL	2.0	2.0	952	$1,295	$1.36	19d	1	1.11mi
6648 Gentle Oaks Dr E Jacksonville, FL	3.0	2.0	1412	$1,690	$1.20	3d	1	1.12mi
6371 Collins Rd Jacksonville, FL	3.0	1.0–2.0	1010	$1,745	$1.73	3d	40	1.15mi
7565 Westland Oaks Dr Jacksonville, FL	3.0	2.0	1317	$2,000	$1.52	16d	1	1.19mi
5983 Ortega Lake Dr Unit 1 Jacksonville, FL	3.0	2.5	1400	$1,950	$1.39	25d	1	1.21mi
6136 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1030	$1,752	$1.70	3d	9	1.24mi
7740 Plantation Bay Dr Jacksonville, FL	1.0–3.0	1.0–2.0	927	$1,524	$1.64	4d	17	1.49mi
6500 Lake Gray Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	972	$1,562	$1.61	3d	9	1.49mi

HOA detail condo

• Monthly dues: $300 · $3,600/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 31 events

1. 2026-06-21
   days on market $128,000 Active 132 DOM
2. 2026-06-18
   days on market $128,000 Active 129 DOM
3. 2026-06-17
   days on market $128,000 Active 128 DOM
4. 2026-06-16
   days on market $128,000 Active 127 DOM
5. 2026-06-15
   days on market $128,000 Active 126 DOM
6. 2026-06-10
   days on market $128,000 Active 120 DOM
7. 2026-06-08
   days on market $128,000 Active 119 DOM
8. 2026-06-07
   days on market $128,000 Active 118 DOM
9. 2026-06-03
   days on market $128,000 Active 114 DOM
10. 2026-06-02
    days on market $128,000 Active 113 DOM
11. 2026-06-01
    days on market $128,000 Active 112 DOM
12. 2026-05-31
    days on market $128,000 Active 111 DOM
13. 2026-04-09
    price $128,000
14. 2026-03-10
    price $132,000
15. 2026-02-09
    listed $134,900 Active
16. 2026-02-07
    historical 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

17. 2025-11-25
    price $135,000 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

18. 2025-11-06
    price $140,000 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

19. 2025-10-27
    price $148,000 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

20. 2025-10-08
    price $150,000 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

21. 2025-09-10
    price $155,000 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

22. 2025-08-04
    price $159,000 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

23. 2025-07-07
    listed $169,000 Active 525-char remark

    Show marketing remark (525 chars)

    Enjoy a well-maintained 2nd-floor condo with a functional split floorplan and a private balcony to relax after a busy day. The kitchen features stainless steel appliances and tile floors, while the open living space offers a cozy atmosphere with plenty of natural light. Bedrooms are carpeted and thoughtfully laid out for comfort and privacy. Conveniently located just off Blanding Blvd and minutes from I-295, shopping, dining, and everyday essentials. Built in 2009 and ready for its new owner to move in and make it home!

24. 2024-08-14
    soldstatus $145,000
25. 2024-08-07
    soldstatus $145,000 Closed 586-char remark

    Show marketing remark (586 chars)

    Looking for a luxurious living space in prime condition? Look no further than this stunning 2 bedroom 2 full bathroom condo! Boasting a sleek and modern open, split-level design, this unit is move-in ready and waiting for you to make it your own. With top-of-the-line finishes and appliances, as well as a brand new Carrier AC unit and carpet throughout, this condo is the perfect place to call home. Located in a desirable area in the heart of the west side, you'll have easy access to all the best shopping, dining, and entertainment options. Don't miss out, this condo WILL NOT last!

26. 2024-07-21
    status Pending 586-char remark

    Show marketing remark (586 chars)

    Looking for a luxurious living space in prime condition? Look no further than this stunning 2 bedroom 2 full bathroom condo! Boasting a sleek and modern open, split-level design, this unit is move-in ready and waiting for you to make it your own. With top-of-the-line finishes and appliances, as well as a brand new Carrier AC unit and carpet throughout, this condo is the perfect place to call home. Located in a desirable area in the heart of the west side, you'll have easy access to all the best shopping, dining, and entertainment options. Don't miss out, this condo WILL NOT last!

27. 2024-07-15
    price $149,000 586-char remark

    Show marketing remark (586 chars)

    Looking for a luxurious living space in prime condition? Look no further than this stunning 2 bedroom 2 full bathroom condo! Boasting a sleek and modern open, split-level design, this unit is move-in ready and waiting for you to make it your own. With top-of-the-line finishes and appliances, as well as a brand new Carrier AC unit and carpet throughout, this condo is the perfect place to call home. Located in a desirable area in the heart of the west side, you'll have easy access to all the best shopping, dining, and entertainment options. Don't miss out, this condo WILL NOT last!

28. 2024-05-22
    price $153,000 586-char remark

    Show marketing remark (586 chars)

    Looking for a luxurious living space in prime condition? Look no further than this stunning 2 bedroom 2 full bathroom condo! Boasting a sleek and modern open, split-level design, this unit is move-in ready and waiting for you to make it your own. With top-of-the-line finishes and appliances, as well as a brand new Carrier AC unit and carpet throughout, this condo is the perfect place to call home. Located in a desirable area in the heart of the west side, you'll have easy access to all the best shopping, dining, and entertainment options. Don't miss out, this condo WILL NOT last!

29. 2024-03-02
    price $159,000 586-char remark

    Show marketing remark (586 chars)

    Looking for a luxurious living space in prime condition? Look no further than this stunning 2 bedroom 2 full bathroom condo! Boasting a sleek and modern open, split-level design, this unit is move-in ready and waiting for you to make it your own. With top-of-the-line finishes and appliances, as well as a brand new Carrier AC unit and carpet throughout, this condo is the perfect place to call home. Located in a desirable area in the heart of the west side, you'll have easy access to all the best shopping, dining, and entertainment options. Don't miss out, this condo WILL NOT last!

30. 2024-01-23
    price $165,000 586-char remark

    Show marketing remark (586 chars)

    Looking for a luxurious living space in prime condition? Look no further than this stunning 2 bedroom 2 full bathroom condo! Boasting a sleek and modern open, split-level design, this unit is move-in ready and waiting for you to make it your own. With top-of-the-line finishes and appliances, as well as a brand new Carrier AC unit and carpet throughout, this condo is the perfect place to call home. Located in a desirable area in the heart of the west side, you'll have easy access to all the best shopping, dining, and entertainment options. Don't miss out, this condo WILL NOT last!

31. 2023-11-03
    listed $170,000 Active 586-char remark

    Show marketing remark (586 chars)

    Looking for a luxurious living space in prime condition? Look no further than this stunning 2 bedroom 2 full bathroom condo! Boasting a sleek and modern open, split-level design, this unit is move-in ready and waiting for you to make it your own. With top-of-the-line finishes and appliances, as well as a brand new Carrier AC unit and carpet throughout, this condo is the perfect place to call home. Located in a desirable area in the heart of the west side, you'll have easy access to all the best shopping, dining, and entertainment options. Don't miss out, this condo WILL NOT last!

ⓘ 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: $2,061 · $172/mo
• Projected year-2 tax: $2,061 · $172/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 2/10 Low FEMA zone X (unshaded) · 5% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,256
• − Mortgage interest: −$7,170
• − Property taxes: −$2,061
• − Insurance: −$640
• − Repairs & maintenance: −$1,380
• − Management: −$1,380
• − HOA: −$3,600
• − Depreciation: −$3,724
• Taxable loss: −$2,699
• Est. tax savings @ 24.0%: +$648
• After-tax cash flow: $-76/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): 63,592
• Household income: $62,204
• Rent vs Own: 43.7% rent · 56.3% own
• Severe rent burden: 2799.0

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: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 39% Black 35% Hispanic / Latino 15% Two or more races 10% Asian 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 3%
• Common ancestry: Hispanic 1% Lithuanian 1% Romanian 1%
• Foreign-born: 12% · Canada, Vietnam, China
• Languages at home: 83% English-only · Spanish 9% Tagalog/Filipino 3% French/Haitian/Cajun 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: ▼ -64.22%
• Current HPI: 296.5375
• Rent YoY: ▲ 2.25%
• 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

-24.7% since first listed

19 events — show timeline

• 2026-04-09 Price Changed $128,000 realMLS
• 2026-03-10 Price Changed $132,000 realMLS
• 2026-02-09 Listed $134,900 realMLS
• 2026-02-07 Listing Removed — realMLS
• 2025-11-25 Price Changed $135,000 realMLS
• 2025-11-06 Price Changed $140,000 realMLS
• 2025-10-27 Price Changed $148,000 realMLS
• 2025-10-08 Price Changed $150,000 realMLS
• 2025-09-10 Price Changed $155,000 realMLS
• 2025-08-04 Price Changed $159,000 realMLS
• 2025-07-07 Listed $169,000 realMLS
• 2024-08-14 Sold (Public Records) $145,000 Public Records
• 2024-08-07 Sold (MLS) $145,000 realMLS
• 2024-07-21 Pending — realMLS
• 2024-07-15 Price Changed $149,000 realMLS
• 2024-05-22 Price Changed $153,000 realMLS
• 2024-03-02 Price Changed $159,000 realMLS
• 2024-01-23 Price Changed $165,000 realMLS
• 2023-11-03 Listed $170,000 realMLS

Property tax history

+29.1%/yr

Latest (2025): $2,061 · +763.2% YoY. Source: county tax records.