10242 Haverford Rd · Jacksonville, FL 32218

$229,000

3 bd · 1.0 ba · 1,248 sqft · SingleFamily public records · 22 Days on market

Built 1955 7,405 sqft lot Est $212k · 8% over

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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 +12.0/30.0
• Livability +4.2/5.0
• ARV discount +3.9/15.0
• Schools +3.9/10.0
• DSCR +3.5/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• 1% rule +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover a fantastic investment property or rental opportunity at this prime Jacksonville location! Located at 10242 Haverford Rd., this property is being sold as-is, offering a quick close for serious buyers. Perfect for investors or homeowners looking to generate rental income or renovate for resale. Highlights: - Prime Jacksonville address with great neighborhood amenities - Solid property with excellent potential - Priced to sell quickly--no wholesalers please - As-is condition, ready for your customizing touch - Quick closing available for motivated buyers

Key facts

• Custom kitchen
• New flooring
• Quick access to i-95

Tags

• RENOVATED CONCRETE BLOCK
• CUSTOM KITCHEN
• NEW FLOORING
• QUICK ACCESS TO I-95

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Garage; Off-street parking; 1-car garage
• Utilities: Public sewer; Cable available; Electricity connected; Sewer connected
• Home design: Single-family residence; One-story
• Construction: Block and concrete construction; Membrane roof
• Exterior features: Front porch; Shed(s); Few trees; County road frontage

Interior

• Kitchen: Includes dishwasher, electric range, microwave, and refrigerator
• Bedrooms: Four bedrooms
• Flooring: Laminate flooring; Tile flooring
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Dishwasher; Electric range; Electric water heater; Microwave; Refrigerator
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $229k.

Deal economics

• At list price, monthly cash flow is $-55 ($-663/yr) — negative.
• To cash-flow at today's rent, offer at most $219k (4.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $162k (29.1% below list).
• Recommended offer: $162k (29.1% below list) — sets the bar for 1% rule.
• Cap rate 6.0% 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.
• Market conditions: Rents soft (-0.4%/yr); 733 active listings in the ZIP; 30 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 $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 22 days — a 2% lower offer ($226k) is reasonable based on typical stale-listing flexibility.
• 2 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 $85k; list at $229k implies a 169% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate 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 $162,356 (29.1% 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. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
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: 0.71% ✗
• Cap rate: 6.00%
• Cash-on-cash: -1.03%
• DSCR: 0.95
• GRM: 11.8

CMA / ARV

• ARV (on-the-fly): $212,160
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10242 Haverford Rd	0.00mi	4/2.0 (+1)	1,248 (0%)	0mo	$229,000	$183	91
1134 Carthage Dr	0.25mi	3/1.0	1,252 (+0%)	1mo	$192,500	$154	87
10520 De Paul Dr	0.11mi	4/2.0 (+1)	1,261 (+1%)	3mo	$215,000	$170	82
1139 De Paul Dr	0.24mi	3/1.0	1,130 (-10%)	1mo	$149,000	$132	72
10250 Briarcliff Rd E	0.12mi	3/1.5	1,108 (-11%)	3mo	$192,000	$173	71
2143 Newberry Rd	0.57mi	3/1.5	1,250 (+0%)	0mo	$160,200	$128	71
1034 Beckner Ave	0.42mi	3/1.5	1,198 (-4%)	3mo	$175,000	$146	70
1614 Loyola Dr N	0.54mi	3/1.0	1,146 (-8%)	4mo	$175,000	$153	58
1023 De Paul Dr	0.35mi	3/2.0	1,128 (-10%)	7mo	$190,000	$168	57
10551 Conrad Dr	0.37mi	3/1.0	1,068 (-14%)	5mo	$200,000	$187	54
1414 Belleshore Cir	0.38mi	3/2.0	1,408 (+13%)	4mo	$245,000	$174	54
10623 Biscayne Blvd	0.49mi	3/1.0	1,080 (-14%)	2mo	$215,000	$199	53

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: -20.9%
• Equity multiple: 0.29×
• Total profit: $-45,513
• Equity at exit: $34,145

10-year hold

• IRR: -21.5%
• Equity multiple: 0.02×
• Total profit: $-63,064
• Equity at exit: $19,800

Cash invested: $64,120 (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 32218

• Home prices YoY: -25.7%
• Rents YoY: -0.4%
• Active inventory: 733
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $1,624 high
• Mortgage (P&I): −$1,201
• Tax from tax record: −$42 /mo · $499/yr
• Insurance: −$95
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $-55

Break-even live

Break-even rent $1,694

Max offer price $219,235

Occupancy floor 98%

Sensitivity live

Price	-10% $74	-5% $10	+0% $-55	+5% $-120	+10% $-458
Rent	-10% $-184	-5% $-119	+0% $-55	+5% $9	+10% $73
Rate	-1.0pp $60	-0.5pp $3	base $-55	+0.5pp $-115	+1.0pp $-175

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: $57,250
• Closing costs: $6,870
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10310 Briarcliff Rd E Jacksonville, FL	3.0	2.0	1285	$1,399	$1.09	15d	1	0.15mi
10529 Keuka Dr Jacksonville, FL	4.0	1.0	1101	$600	$0.54	8d	1	0.26mi
1123 Depaul Dr Jacksonville, FL	3.0	1.5	1152	$1,295	$1.12	22d	1	0.26mi
10561 Ashby Rd Jacksonville, FL	3.0	1.0	1034	$1,181	$1.14	25d	1	0.33mi
1033 Ake Ln Jacksonville, FL	3.0	1.0	868	$1,200	$1.38	22d	1	0.41mi
12802 Haverford Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1000	$1,299	$1.30	3d	15	0.54mi
1333 Dunn Ave Jacksonville, FL	2.0	1.0	576	$1,185	$2.06	3d	16	0.63mi
10621 Monaco Dr Jacksonville, FL	1.0–2.0	1.0–1.5	975	$1,150	$1.18	25d	7	0.65mi
9808 Morgan Marsh Ct Jacksonville, FL	3.0	2.5	1380	$1,599	$1.16	25d	1	0.67mi
9806 Morgan Marsh Ct Unit 9856 Jacksonville, FL	3.0	2.5	1380	$1,609	$1.17	21d	1	0.67mi
9806 Morgan Marsh Ct Jacksonville, FL	3.0	2.5	1380	$1,609	$1.17	25d	1	0.67mi
1601 Dunn Ave Jacksonville, FL	1.0–3.0	1.0–2.0	852	$1,575	$1.85	4d	12	0.73mi
10964 Bacall Rd W Jacksonville, FL	3.0	1.5	1138	$1,550	$1.36	25d	1	0.78mi
10897 Regency Dr Jacksonville, FL	4.0	2.0	1391	$1,650	$1.19	5d	1	0.83mi
780 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	1164	$2,143	$1.84	4d	16	0.95mi
1000 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	949	$1,684	$1.77	3d	9	1.09mi
9565 Carbondale Dr W Unit B Jacksonville, FL	3.0	2.0	1400	$2,000	$1.43	25d	1	1.09mi
11050 Harts Rd Jacksonville, FL	3.0	2.0–2.5	1145	$1,511	$1.32	4d	10	1.11mi
2462 Quail Ave Jacksonville, FL	3.0	1.5	1312	$1,397	$1.06	25d	1	1.12mi
11011 Harts Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1052	$1,742	$1.66	3d	23	1.15mi
2482 Quail Ave Jacksonville, FL	3.0	2.0	1224	$1,850	$1.51	18d	1	1.15mi
800 Broward Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1028	$1,711	$1.66	3d	42	1.17mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1308	$1,495	$1.14	25d	1	1.18mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1306	$1,495	$1.14	17d	1	1.18mi
11029 Traci Lynn Dr Jacksonville, FL	3.0	2.0	1402	$1,550	$1.11	5d	1	1.22mi
10735 Merida Dr #14 Jacksonville, FL	4.0	2.0	1303	$1,635	$1.25	8d	1	1.24mi
9131 Jefferson Ave Jacksonville, FL	3.0	1.0	910	$1,350	$1.48	5d	1	1.38mi
950 Turtle Creek Dr S Jacksonville, FL	3.0	2.0	1460	$1,824	$1.25	25d	1	1.40mi
9124 Adams Ave Jacksonville, FL	3.0	3.0	1207	$1,800	$1.49	25d	1	1.46mi
10535 Lem Turner Rd Jacksonville, FL	1.0–4.0	1.0–2.0	1012	$1,562	$1.54	4d	40	1.47mi

Listing history 13 events

1. 2026-06-07
   statusdays on market $229,000 Pending 22 DOM
2. 2026-06-05
   days on market $229,000 Active Under Contract 21 DOM
3. 2026-06-03
   days on market $229,000 Active Under Contract 20 DOM
4. 2026-06-02
   days on market $229,000 Active Under Contract 19 DOM
5. 2026-06-01
   days on market $229,000 Active Under Contract 18 DOM
6. 2026-05-31
   days on market $229,000 Active Under Contract 17 DOM
7. 2026-05-14
   listed $229,000 Active
8. 2026-03-18
   historical 575-char remark

   Show marketing remark (575 chars)

   Discover a fantastic investment property or rental opportunity at this prime Jacksonville location! Located at 10242 Haverford Rd., this property is being sold as-is, offering a quick close for serious buyers. Perfect for investors or homeowners looking to generate rental income or renovate for resale. Highlights: - Prime Jacksonville address with great neighborhood amenities - Solid property with excellent potential - Priced to sell quickly--no wholesalers please - As-is condition, ready for your customizing touch - Quick closing available for motivated buyers

9. 2026-03-17
   soldstatus $85,000
10. 2026-03-12
    price $119,999 575-char remark

    Show marketing remark (575 chars)

    Discover a fantastic investment property or rental opportunity at this prime Jacksonville location! Located at 10242 Haverford Rd., this property is being sold as-is, offering a quick close for serious buyers. Perfect for investors or homeowners looking to generate rental income or renovate for resale. Highlights: - Prime Jacksonville address with great neighborhood amenities - Solid property with excellent potential - Priced to sell quickly--no wholesalers please - As-is condition, ready for your customizing touch - Quick closing available for motivated buyers

11. 2026-03-10
    price $124,999 575-char remark

    Show marketing remark (575 chars)

    Discover a fantastic investment property or rental opportunity at this prime Jacksonville location! Located at 10242 Haverford Rd., this property is being sold as-is, offering a quick close for serious buyers. Perfect for investors or homeowners looking to generate rental income or renovate for resale. Highlights: - Prime Jacksonville address with great neighborhood amenities - Solid property with excellent potential - Priced to sell quickly--no wholesalers please - As-is condition, ready for your customizing touch - Quick closing available for motivated buyers

12. 2026-03-09
    price $129,999 575-char remark

    Show marketing remark (575 chars)

    Discover a fantastic investment property or rental opportunity at this prime Jacksonville location! Located at 10242 Haverford Rd., this property is being sold as-is, offering a quick close for serious buyers. Perfect for investors or homeowners looking to generate rental income or renovate for resale. Highlights: - Prime Jacksonville address with great neighborhood amenities - Solid property with excellent potential - Priced to sell quickly--no wholesalers please - As-is condition, ready for your customizing touch - Quick closing available for motivated buyers

13. 2026-03-09
    listed $136,000 Active 575-char remark

    Show marketing remark (575 chars)

    Discover a fantastic investment property or rental opportunity at this prime Jacksonville location! Located at 10242 Haverford Rd., this property is being sold as-is, offering a quick close for serious buyers. Perfect for investors or homeowners looking to generate rental income or renovate for resale. Highlights: - Prime Jacksonville address with great neighborhood amenities - Solid property with excellent potential - Priced to sell quickly--no wholesalers please - As-is condition, ready for your customizing touch - Quick closing available for motivated buyers

ⓘ 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: $499 · $42/mo
• Projected year-2 tax: $1,901 · $158/mo
• Expected delta: +$1,402/yr (+$117/mo · 281.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% 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: $19,483
• − Mortgage interest: −$12,828
• − Property taxes: −$499
• − Insurance: −$1,145
• − Repairs & maintenance: −$1,559
• − Management: −$1,559
• − Depreciation: −$6,662
• Taxable loss: −$4,768
• Est. tax savings @ 24.0%: +$1,144
• After-tax cash flow: $481/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): 72,905
• Household income: $69,638
• Rent vs Own: 32.7% rent · 67.3% own
• Severe rent burden: 2289.0

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 0.64)
• Race & ethnicity: Black 48% White 35% Hispanic / Latino 9% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Slovak 1% Lithuanian 1% Italian 1%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 6% French/Haitian/Cajun 1% Tagalog/Filipino 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: ▼ -90.73%
• Current HPI: 262.2329
• Rent YoY: ▼ -0.40%
• 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

+68.4% since first listed

7 events — show timeline

• 2026-05-14 Listed $229,000 realMLS
• 2026-03-18 Listing Removed — realMLS
• 2026-03-17 Sold (Public Records) $85,000 Public Records
• 2026-03-12 Price Changed $119,999 realMLS
• 2026-03-10 Price Changed $124,999 realMLS
• 2026-03-09 Price Changed $129,999 realMLS
• 2026-03-09 Listed $136,000 realMLS

Property tax history

+4.5%/yr

Latest (2025): $499 · +56.9% YoY. Source: county tax records.