2910 Ravines Rd #1103 · Middleburg, FL 32068

$164,900

1 bd · 2.0 ba · 848 sqft · Condo public records · 141 Days on market

Built 1984 $355/mo HOA · 23% 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).

• ARV discount +7.5/15.0
• Cash flow +6.2/30.0
• Schools +5.1/10.0
• 1% rule +4.2/10.0
• Rent growth +3.3/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• DSCR +0.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

Key facts

• Gated community
• Granite counters
• $355 HOA

Tags

• GATED COMMUNITY
• GARDEN OFF FRONT PORCH
• WOODED AREA FOR PRIVACY
• CUSTOM DESIGNED KITCHEN
• GRANITE COUNTERS
• DECORATIVE BACKSPLASH

Property features AI

Finance

• HOA & community: Has homeowners association; Association fee $299.25 monthly; Additional association fee $56 monthly; Not a senior community

Exterior

• Parking: Unassigned parking
• Utilities: Cable available
• Home design: Condominium; 2 stories; Property is attached; Current use: Multi-family
• Construction: Lot size approximately 0.01 acres
• Exterior features: No private pool

Interior

• Kitchen: Electric range; Microwave; Refrigerator
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Breakfast bar; Eat-in kitchen; Pantry; Primary bathroom with shower (no tub)
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 1-bed/2.0-bath condo listed at $165k.

Deal economics

• At list price, monthly cash flow is $-299 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $122k (26.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $151k (8.2% below list).
• Recommended offer: $122k (26.2% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 65/100 on livability (#657 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• Clay (suburban): math 58% / reading 59% proficiency, ranked #14 of 73 in FL (top 19%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.4%/yr); 601 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 1,876 units permitted in Clay County in 2024 (14 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Clay 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 141 days — a 12% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 11y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $42k; list at $165k implies a 293% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 23% of rent.
• 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 $121,698 (26.2% 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 141 days. Have you received any prior offers? Is the seller open to a 26% 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: 0.92% ✗
• Cap rate: 4.12%
• Cash-on-cash: -7.76%
• DSCR: 0.65
• GRM: 9.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.35% rent growth · sell at horizon

5-year hold

• IRR: -29.1%
• Equity multiple: 0.03×
• Total profit: $-44,960
• Equity at exit: $24,587

10-year hold

• IRR: -26.6%
• Equity multiple: -0.31×
• Total profit: $-60,446
• Equity at exit: $14,258

Cash invested: $46,172 (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 32068

• Home prices YoY: -27.5%
• Rents YoY: 3.4%
• Active inventory: 601
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,514 medium
• Mortgage (P&I): −$865
• Tax est. 1.5%: −$206 /mo · $2,474/yr
• Insurance: −$69
• HOA: −$355
• Vacancy / Maint / Mgmt: −$318
• Net cashflow: $-299

Break-even live

Break-even rent $1,892

Max offer price $121,698

Occupancy floor —

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: $41,225
• Closing costs: $4,947
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1637 Ascend Ln Middleburg, FL	1.0–2.0	1.0–2.0	1068	$1,429	$1.34	2d	10	0.63mi
4027 Everett Ave Unit C Middleburg, FL	2.0	1.0	950	$1,400	$1.47	23d	1	0.98mi

HOA detail condo

• Monthly dues: $355 · $4,260/yr
• Likely covers: security
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 50 events

1. 2026-06-18
   days on market $164,900 Active 141 DOM
2. 2026-06-17
   days on market $164,900 Active 140 DOM
3. 2026-06-16
   days on market $164,900 Active 139 DOM
4. 2026-06-15
   days on market $164,900 Active 138 DOM
5. 2026-06-13
   days on market $164,900 Active 136 DOM
6. 2026-06-13
   days on market $164,900 Active 135 DOM
7. 2026-06-09
   days on market $164,900 Active 132 DOM
8. 2026-06-08
   days on market $164,900 Active 131 DOM
9. 2026-06-08
   price $164,900 Active 130 DOM
10. 2026-06-07
    days on market $169,500 Active 130 DOM
11. 2026-06-03
    days on market $169,500 Active 126 DOM
12. 2026-06-02
    days on market $169,500 Active 125 DOM
13. 2026-06-01
    days on market $169,500 Active 124 DOM
14. 2026-05-31
    days on market $169,500 Active 123 DOM
15. 2026-03-10
    price $169,500
16. 2026-01-28
    listed $174,500 Active
17. 2015-10-01
    soldstatus $42,000
18. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

19. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

20. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

21. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

22. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

23. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

24. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

25. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

26. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

27. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

28. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

29. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

30. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

31. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

32. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

33. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

34. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

35. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

36. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

37. 2015-09-30
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

38. 2015-09-30
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

39. 2015-09-29
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

40. 2015-09-29
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

41. 2015-09-29
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

42. 2015-09-29
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

43. 2015-09-29
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

44. 2015-09-29
    historical 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

45. 2015-09-25
    soldstatus $42,000 Sold 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

46. 2015-09-08
    historical Active - Contingent 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

47. 2015-07-07
    listed $45,000 Active 478-char remark

    Show marketing remark (478 chars)

    Watch the deer, turkey and other wildlife from your private deck overlooking the woods. This first floor 1 BR 2 Bath condo in Ravines gated community is a real treasure! Extra high ceilings and floor plan create an amazing amount of storage and the efficient use of space in this super clean, tidy condo give a feeling of real spaciousness. Kitchen opens to DR and LR combo. Step up to BR in loft area that also overlooks the LR can be closed off if you choose. A real must see.

48. 2006-08-10
    soldstatus $89,000
49. 1997-11-25
    soldstatus $47,500
50. 1985-08-01
    soldstatus $96,500

ⓘ 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 6/10 Major
• 🌡 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 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,168
• − Mortgage interest: −$9,237
• − Property taxes: −$2,474
• − Insurance: −$824
• − Repairs & maintenance: −$1,453
• − Management: −$1,453
• − HOA: −$4,260
• − Depreciation: −$4,797
• Taxable loss: −$6,331
• Est. tax savings @ 24.0%: +$1,520
• After-tax cash flow: $-2,063/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: Clay
• NCES district ID: 1200300
• Math proficiency: 58% ▼ -8.00%
• Reading proficiency: 59% ▼ -3.00%
• Median HH income: $59,379
• Composite: 50.73/100
• National rank: #1815
• State rank: #14 of 73 in FL

Livability — Middleburg

• Score: 65/100
• State rank: #657
• US rank: #13174

Category grades

Amenities F Commute F Cost of living A+ Crime B- Employment C Housing A+ Health & safety F User ratings C+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Clay County · 208,450 people
• City population: 58,983
• Metro: Jacksonville, FL
• Population (ZIP): 58,983
• Household income: $84,431
• Rent vs Own: 20.7% rent · 79.3% own
• Severe rent burden: 975.0

Population outlook (Clay County) Hauer SSP2

• Today (2025): 230,495 people
• By 2030: 242,427 · +5.2%
• By 2040: 262,244 · +13.8%
• By 2050: 275,148 · +19.4%
• By 2075: 295,397 · +28.2%
• By 2100: 287,592 · +24.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 13% Two or more races 10% Black 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 2%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 87% English-only · Spanish 9% Arabic 1% German/W. Germanic 1%

Political lean MEDSL · Clay

• 2024 margin: Solid R (+39.3) · D 29.9% · R 69.2%
• 2008→2024 swing: +3.6pp toward D · 2008: -42.8pp · 2024: -39.3pp
• All cycles: 2024: R+39.3 2020: R+37.1 2016: R+44.3 2012: R+45.8 2008: R+42.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -115.99%
• Current HPI: 305.2531
• Rent YoY: ▲ 3.35%
• 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

+75.6% since first listed

36 events — show timeline

• 2026-03-10 Price Changed $169,500 realMLS
• 2026-01-28 Listed $174,500 realMLS
• 2015-10-01 Sold (Public Records) $42,000 Public Records
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-30 Contingent — realMLS
• 2015-09-30 Listing Removed — realMLS
• 2015-09-29 Contingent — realMLS
• 2015-09-29 Listing Removed — realMLS
• 2015-09-29 Contingent — realMLS
• 2015-09-29 Listing Removed — realMLS
• 2015-09-29 Contingent — realMLS
• 2015-09-29 Listing Removed — realMLS
• 2015-09-25 Sold (MLS) $42,000 realMLS
• 2015-09-08 Contingent — realMLS
• 2015-07-07 Listed $45,000 realMLS
• 2006-08-10 Sold (Public Records) $89,000 Public Records
• 1997-11-25 Sold (Public Records) $47,500 Public Records
• 1985-08-01 Sold (Public Records) $96,500 Public Records

Property tax history

-13.2%/yr

Latest (2025): $108 · -53.8% YoY. Source: county tax records.