1341 Hammock Dunes Dr · Jacksonville, FL 32221

$350,990

4 bd · 2.0 ba · 1,960 sqft · Land · 72 Days on market

Built 2026 6,098 sqft lot $36/mo HOA · 2% of rent

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Why this score? — see what drove the F 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 +9.0/30.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• DSCR +2.5/10.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the perfect blend of style and function in this 4 bed, 2 bath Fleetwood floorplan offering 1,960 square feet of open, airy living space. Designed with today's lifestyle in mind, this home features a spacious kitchen overlooking the main living area -- ideal for entertaining or everyday comfort. The private primary suite provides a peaceful retreat, while three additional bedrooms offer versatility for family or guests plus a separate study with glass doors to provide privacy. Located in Jacksonville's Panther Creek community, you'll enjoy resort style amenities such as a pool, gym, clubhouse, pickleball courts, dog park, open air pavilion, sports field and more, as well as easy access to schools, shopping, dining, and major roadways -- all while coming home to a brand-new residence built with quality and care by DRB Homes. Secure your new home before completion

Key facts

• Spacious kitchen
• Separate study
• 6,098 sq ft lot

Tags

• BRAND NEW CONSTRUCTION
• SPACIOUS KITCHEN
• PRIVATE PRIMARY SUITE
• SEPARATE STUDY
• RESORT STYLE AMENITIES
• EASY ACCESS TO SCHOOLS

Property features AI

Finance

• HOA & community: Panther Creek HOA; Annual association fee of $435 (includes grounds maintenance); Community amenities: clubhouse, fitness center, park, playground, dog park, basketball court, pickleball, sidewalks; management off-site

Exterior

• Parking: Attached garage; 2 garage spaces
• Utilities: Public sewer; Water connected; Sewer connected; Electricity connected; Cable available
• Home design: Single family residence; One story
• Construction: Composition siding; Shingle roof
• Exterior features: Covered rear porch; Community pool (not private); Private road frontage; Asphalt/paved road surface

Interior

• Kitchen: Dishwasher; Disposal; Electric range; Microwave; Electric water heater
• Bedrooms: 4 bedrooms (all on the first level)
• Flooring: Luxury vinyl plank; Carpet; Tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Open floorplan; Kitchen island; Split bedrooms; Walk-in closet(s); 10 total rooms
• Laundry & utility: In-unit laundry; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $351k.

Deal economics

• At list price, monthly cash flow is $-273 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $303k (13.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $233k (33.7% below list).
• Recommended offer: $233k (33.7% below list) — sets the bar for 1% rule.
• Cap rate 5.4% 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: Chaffee Trail Elementary (math 57% / reading 52%, grade C, #892 of 2,144 statewide, top 44%, 765 students, 52% FRL); Baldwin Middle-Senior High School (math 37% / reading 39%, grade F, #328 of 667 statewide, top 50%, 1,384 students, 43% FRL) — zoned schools at 48% FRL track the district average.
• Market conditions: Rents rising (+2.1%/yr); 219 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals leasing fast (median 12d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 34% of the median local income ($83k/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 $2k of loan paydown is wiped out by about $11k 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 72 days — a 6% lower offer ($330k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts 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 $24k; list at $351k implies a 1392% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $232,669 (33.7% 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 72 days. Have you received any prior offers? Is the seller open to a 34% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.66% ✗
• Cap rate: 5.36%
• Cash-on-cash: -3.34%
• DSCR: 0.85
• GRM: 12.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.12% rent growth · sell at horizon

5-year hold

• IRR: -22.8%
• Equity multiple: 0.22×
• Total profit: $-76,494
• Equity at exit: $52,334

10-year hold

• IRR: -19.4%
• Equity multiple: 0.00×
• Total profit: $-97,914
• Equity at exit: $30,347

Cash invested: $98,277 (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 32221

• Home prices YoY: -19.2%
• Rents YoY: 2.1%
• Active inventory: 219
• Price-to-rent: 12.6×

Monthly cashflow live

• Estimated rent: $2,327 high
• Mortgage (P&I): −$1,841
• Tax from tax record: −$89 /mo · $1,064/yr
• Insurance: −$146
• HOA: −$36
• Vacancy / Maint / Mgmt: −$489
• Net cashflow: $-273

Break-even live

Break-even rent $2,673

Max offer price $302,677

Occupancy floor —

Sensitivity live

Price	-10% $-75	-5% $-174	+0% $-273	+5% $-373	+10% $-472
Rent	-10% $-457	-5% $-365	+0% $-273	+5% $-182	+10% $-90
Rate	-1.0pp $-97	-0.5pp $-184	base $-273	+0.5pp $-364	+1.0pp $-457

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: $87,748
• Closing costs: $10,530
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1362 Panther Preserve Pkwy Jacksonville, FL	3.0	2.0	1599	$2,400	$1.50	18d	1	0.07mi
11242 Panther Creek Pkwy Jacksonville, FL	3.0	2.0	1529	$2,100	$1.37	5d	1	0.13mi
1433 Royal Dornoch Dr Jacksonville, FL	4.0	3.0	1860	$2,400	$1.29	25d	1	0.28mi
11269 Revolutionary Way Jacksonville, FL	3.0	2.0	1716	$1,919	$1.12	9d	1	0.37mi
11561 Admirals Cove Dr Jacksonville, FL	3.0	2.5	1780	$2,100	$1.18	17d	1	0.39mi
1832 James Madison Ct Jacksonville, FL	3.0	2.0	1716	$2,010	$1.17	16d	1	0.43mi
1916 Constitutional Republic Pl Jacksonville, FL	4.0	2.5	1975	$2,029	$1.03	3d	1	0.51mi
1916 Allegiance Pl Jacksonville, FL	2.0–3.0	2.5	1439	$2,100	$1.46	4d	12	0.55mi
1530 Tan Tara Trl Jacksonville, FL	4.0	2.5	2046	$2,195	$1.07	17d	1	0.61mi
1530 Tan Tara Trl Jacksonville, FL	4.0	2.5	2013	$2,195	$1.09	12d	1	0.61mi
2012 James Wilson Way Jacksonville, FL	3.0	2.5	2038	$1,989	$0.98	13d	1	0.64mi
1939 April Oaks Dr Jacksonville, FL	5.0	3.0	2511	$2,221	$0.88	9d	1	0.92mi
1951 April Oaks Dr Jacksonville, FL	4.0	2.0	1705	$1,879	$1.10	5d	1	0.94mi
2067 Tyson Lake Dr Jacksonville, FL	3.0	2.0	1564	$1,935	$1.24	3d	1	1.10mi
2081 Chaffee Rd S Unit 43 Jacksonville, FL	4.0	2.0	1904	$1,829	$0.96	5d	1	1.19mi
2300 Justin Lake Dr Jacksonville, FL	3.0	2.5	2539	$2,360	$0.93	4d	1	1.22mi
500 Chaffee Rd S Unit 191 Jacksonville, FL	3.0	2.0	1680	$1,759	$1.05	25d	1	1.26mi
500 Chaffee Rd S Unit 194 Jacksonville, FL	4.0	2.0	1680	$1,549	$0.92	25d	1	1.26mi
2274 Tyson Lake Dr Jacksonville, FL	3.0	2.0	1710	$1,975	$1.15	4d	1	1.28mi
2346 Adams Lake Blvd Jacksonville, FL	3.0	2.0	2251	$2,100	$0.93	16d	1	1.35mi
2167 Kistlers Ridge Way Jacksonville, FL	4.0	2.0	1456	$1,900	$1.30	16d	1	1.45mi

HOA detail

• Monthly dues: $36 · $432/yr
• Likely covers: poolgym

Listing history 23 events

1. 2026-06-21
   days on market $350,990 Active 72 DOM
2. 2026-06-18
   days on market $350,990 Active 69 DOM
3. 2026-06-17
   days on market $350,990 Active 68 DOM
4. 2026-06-16
   days on market $350,990 Active 67 DOM
5. 2026-06-15
   days on market $350,990 Active 66 DOM
6. 2026-06-13
   days on market $350,990 Active 63 DOM
7. 2026-06-10
   days on market $350,990 Active 60 DOM
8. 2026-06-08
   days on market $350,990 Active 59 DOM
9. 2026-06-07
   days on market $350,990 Active 58 DOM
10. 2026-06-05
    days on market $350,990 Active 55 DOM
11. 2026-06-03
    days on market $350,990 Active 54 DOM
12. 2026-06-02
    days on market $350,990 Active 53 DOM
13. 2026-06-01
    days on market $350,990 Active 52 DOM
14. 2026-05-31
    days on market $350,990 Active 51 DOM
15. 2026-04-24
    status Active 882-char remark

    Show marketing remark (882 chars)

    Discover the perfect blend of style and function in this 4 bed, 2 bath Fleetwood floorplan offering 1,960 square feet of open, airy living space. Designed with today's lifestyle in mind, this home features a spacious kitchen overlooking the main living area -- ideal for entertaining or everyday comfort. The private primary suite provides a peaceful retreat, while three additional bedrooms offer versatility for family or guests plus a separate study with glass doors to provide privacy. Located in Jacksonville's Panther Creek community, you'll enjoy resort style amenities such as a pool, gym, clubhouse, pickleball courts, dog park, open air pavilion, sports field and more, as well as easy access to schools, shopping, dining, and major roadways -- all while coming home to a brand-new residence built with quality and care by DRB Homes. Secure your new home before completion

16. 2026-04-24
    price $350,990 882-char remark

    Show marketing remark (882 chars)

    Discover the perfect blend of style and function in this 4 bed, 2 bath Fleetwood floorplan offering 1,960 square feet of open, airy living space. Designed with today's lifestyle in mind, this home features a spacious kitchen overlooking the main living area -- ideal for entertaining or everyday comfort. The private primary suite provides a peaceful retreat, while three additional bedrooms offer versatility for family or guests plus a separate study with glass doors to provide privacy. Located in Jacksonville's Panther Creek community, you'll enjoy resort style amenities such as a pool, gym, clubhouse, pickleball courts, dog park, open air pavilion, sports field and more, as well as easy access to schools, shopping, dining, and major roadways -- all while coming home to a brand-new residence built with quality and care by DRB Homes. Secure your new home before completion

17. 2026-04-23
    price $350,990
18. 2026-04-23
    status Active
19. 2026-03-12
    historical 882-char remark

    Show marketing remark (882 chars)

    Discover the perfect blend of style and function in this 4 bed, 2 bath Fleetwood floorplan offering 1,960 square feet of open, airy living space. Designed with today's lifestyle in mind, this home features a spacious kitchen overlooking the main living area -- ideal for entertaining or everyday comfort. The private primary suite provides a peaceful retreat, while three additional bedrooms offer versatility for family or guests plus a separate study with glass doors to provide privacy. Located in Jacksonville's Panther Creek community, you'll enjoy resort style amenities such as a pool, gym, clubhouse, pickleball courts, dog park, open air pavilion, sports field and more, as well as easy access to schools, shopping, dining, and major roadways -- all while coming home to a brand-new residence built with quality and care by DRB Homes. Secure your new home before completion

20. 2026-03-11
    historical
21. 2026-02-27
    listed $351,590 Active 882-char remark

    Show marketing remark (882 chars)

    Discover the perfect blend of style and function in this 4 bed, 2 bath Fleetwood floorplan offering 1,960 square feet of open, airy living space. Designed with today's lifestyle in mind, this home features a spacious kitchen overlooking the main living area -- ideal for entertaining or everyday comfort. The private primary suite provides a peaceful retreat, while three additional bedrooms offer versatility for family or guests plus a separate study with glass doors to provide privacy. Located in Jacksonville's Panther Creek community, you'll enjoy resort style amenities such as a pool, gym, clubhouse, pickleball courts, dog park, open air pavilion, sports field and more, as well as easy access to schools, shopping, dining, and major roadways -- all while coming home to a brand-new residence built with quality and care by DRB Homes. Secure your new home before completion

22. 2026-02-26
    listed $351,590 Active
23. 2023-05-01
    soldstatus $23,520

ⓘ 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: $1,064 · $89/mo
• Projected year-2 tax: $2,913 · $243/mo
• Expected delta: +$1,849/yr (+$154/mo · 173.7%)

ⓘ 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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 19 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: $27,920
• − Mortgage interest: −$19,661
• − Property taxes: −$1,064
• − Insurance: −$1,755
• − Repairs & maintenance: −$2,234
• − Management: −$2,234
• − HOA: −$432
• − Depreciation: −$10,211
• Taxable loss: −$9,670
• Est. tax savings @ 24.0%: +$2,321
• After-tax cash flow: $-961/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): 32,833
• Household income: $82,969
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 516.0

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 48% Black 33% Hispanic / Latino 9% Two or more races 6% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 2% Hispanic 1%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 88% English-only · Spanish 6% French/Haitian/Cajun 2% Vietnamese 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: ▼ -62.74%
• Current HPI: 263.7591
• Rent YoY: ▲ 2.12%
• 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

+1392.3% since first listed

9 events — show timeline

• 2026-04-24 Relisted — Zillow
• 2026-04-24 Price Changed $350,990 Zillow
• 2026-04-23 Price Changed $350,990 realMLS
• 2026-04-23 Relisted — realMLS
• 2026-03-12 Delisted — Zillow
• 2026-03-11 Listing Removed — realMLS
• 2026-02-27 Listed $351,590 Zillow
• 2026-02-26 Listed $351,590 realMLS
• 2023-05-01 Sold (Public Records) $23,520 Public Records

Property tax history

-6.3%/yr

Latest (2025): $1,064 · +6.4% YoY. Source: county tax records.