2417 W 25th St · Jacksonville, FL 32209

$200,000

3 bd · 2.0 ba · 2,280 sqft · SingleFamily public records · 16 Days on market

Built 1955 0.34 ac lot Est $182k · 10% over

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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 +14.1/30.0
• DSCR +4.3/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• ARV discount +3.2/15.0
• Rent growth +3.0/5.0
• 1% rule +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Bring your ideas and make this 4-bedroom, 3-bath home your own! Situated on a desirable corner lot, this property features a 1-car garage, a spacious screened in patio and plenty of room to create the home you've always wanted. Whether you're an investor or a buyer looking for a project, this home offers a great opportunity to renovate, personalize, and build equity. The versatile layout provides options for a home office, playroom, guest space for entertainment, or additional living area. While the oversized yard offers endless possibilities for outdoor entertaining, gardening, or future improvements. This property may be a great fit for renovation financing or qualify for Conventional 203

Key facts

• Versatile layout
• Oversized yard
• Corner lot

Tags

• CORNER LOT
• SCREENED IN PATIO
• VERSATILE LAYOUT
• OVERSIZED YARD

Property features AI

Finance

• Financial info: Annual tax information available
• HOA & community: Not a senior community

Exterior

• Parking: Garage (1 space)
• Utilities: Electricity connected; Sewer connected
• Home design: Single family residence; Property is attached
• Exterior features: One-level property; Lot around 0.34 acres; No private pool

Interior

• Kitchen: Electric range; Refrigerator; Electric water heater
• Bedrooms: 4 bedrooms
• Bathrooms: 1 full bathroom; 2 half bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Central heating and central air conditioning; Electric water heater; Electric range; Refrigerator
• Laundry & utility: Utilities include electricity and sewer connections

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $28 ($332/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $157k (21.4% below list).
• Recommended offer: $157k (21.4% below list) — sets the bar for 1% rule.
• Cap rate 6.5% 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: Grasp Academy (math 18% / reading 14%, grade F, #2,130 of 2,144 statewide, top 99%, 271 students, 52% FRL); Joseph Stilwell Middle School (math 31% / reading 33%, grade F, #448 of 571 statewide, top 79%, 612 students, 68% FRL); William M. Raines High School (math 14% / reading 13%, grade F, #616 of 667 statewide, top 92%, 1,217 students, 78% FRL) — zoned schools average 66% FRL vs 49% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 20% at this address vs 46% district-wide (-25 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 (+1.8%/yr); 399 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• At $1,572/mo this rent would consume 62% of the median local household income ($31k/yr) (locally 2921% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 16 days — a 2% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $54k; list at $200k implies a 274% 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: 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 $157,150 (21.4% below list)

Questions for the listing agent

1. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.79% ✗
• Cap rate: 6.46%
• Cash-on-cash: 0.59%
• DSCR: 1.03
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $182,400
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2264 25th St	0.16mi	4/2.0 (+1)	2,169 (-5%)	15mo	$174,000	$80	67

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 1.81% rent growth · sell at horizon

5-year hold

• IRR: -16.6%
• Equity multiple: 0.42×
• Total profit: $-32,588
• Equity at exit: $29,821

10-year hold

• IRR: -10.5%
• Equity multiple: 0.39×
• Total profit: $-33,886
• Equity at exit: $17,292

Cash invested: $56,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32209

• Home prices YoY: -22.1%
• Rents YoY: 1.8%
• Active inventory: 399
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $1,572 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$82 /mo · $980/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$330
• Net cashflow: $28

Break-even live

Break-even rent $1,537

Max offer price $200,000

Occupancy floor 93%

Sensitivity live

Price	-10% $141	-5% $84	+0% $28	+5% $-29	+10% $-86
Rent	-10% $-97	-5% $-34	+0% $28	+5% $90	+10% $152
Rate	-1.0pp $128	-0.5pp $78	base $28	+0.5pp $-24	+1.0pp $-77

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5247 Cleveland Rd Jacksonville, FL	4.0	2.0	1850	$1,775	$0.96	16d	1	0.58mi
2727 W 45th St Jacksonville, FL	4.0	2.5	2104	$1,550	$0.74	16d	1	0.85mi
5568 Verbena Rd Jacksonville, FL	4.0	2.5	1880	$1,575	$0.84	25d	1	0.92mi
5816 Paris Ave Jacksonville, FL	4.0	2.0	1701	$1,599	$0.94	25d	1	1.19mi
1943 Hardee St #1 Jacksonville, FL	3.0	2.0	1622	$1,248	$0.77	5d	1	1.43mi

Listing history 11 events

1. 2026-06-21
   days on market $200,000 Active 16 DOM
2. 2026-06-18
   days on market $200,000 Active 13 DOM
3. 2026-06-17
   days on market $200,000 Active 12 DOM
4. 2026-06-16
   days on market $200,000 Active 11 DOM
5. 2026-06-15
   days on market $200,000 Active 10 DOM
6. 2026-06-13
   days on market $200,000 Active 8 DOM
7. 2026-06-13
   days on market $200,000 Active 7 DOM
8. 2026-06-09
   days on market $200,000 Active 4 DOM
9. 2026-06-08
   days on market $200,000 Active 3 DOM
10. 2026-06-07
    remarks 699-char remark
11. 2026-06-07
    listed $200,000 Active 2 DOM

ⓘ 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: $980 · $82/mo
• Projected year-2 tax: $1,660 · $138/mo
• Expected delta: +$680/yr (+$57/mo · 69.3%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,858
• − Mortgage interest: −$11,203
• − Property taxes: −$980
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,509
• − Management: −$1,509
• − Depreciation: −$5,818
• Taxable loss: −$3,161
• Est. tax savings @ 24.0%: +$759
• After-tax cash flow: $1,090/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Duval
• NCES district ID: 1200480
• Math proficiency: 46% ▼ -11.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $48,987
• Composite: 38.97/100
• National rank: #4076
• State rank: #48 of 73 in FL

Livability — Jacksonville

• Score: 83/100
• State rank: #50
• US rank: #911

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jacksonville, FL
• County: Duval County · 1,015,274 people
• City population: 979,034
• Metro: Jacksonville, FL
• Population (ZIP): 34,657
• Household income: $30,514
• Rent vs Own: 53.0% rent · 47.0% own
• Severe rent burden: 2921.0

Population outlook (Duval County) Hauer SSP2

• Today (2025): 1,013,010 people
• By 2030: 1,059,228 · +4.6%
• By 2040: 1,141,439 · +12.7%
• By 2050: 1,205,258 · +19.0%
• By 2075: 1,324,282 · +30.7%
• By 2100: 1,319,620 · +30.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (88%)
• Race & ethnicity: Black 88% White 5% Hispanic / Latino 5% Two or more races 2%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Hispanic 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% French/Haitian/Cajun 1%

Political lean MEDSL · Duval

• 2024 margin: Toss-up / Even · D 48.7% · R 50.1% · Other 1.2%
• 2008→2024 swing: +0.4pp no change · 2008: -1.9pp · 2024: -1.5pp
• All cycles: 2024: R+1.5 2020: D+3.8 2016: R+1.5 2012: R+3.6 2008: R+1.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -53.92%
• Current HPI: 189.5977
• Rent YoY: ▲ 1.81%
• Metro: Jacksonville, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+273.8% since first listed

2 events — show timeline

• 2026-06-03 Listed $200,000 realMLS
• 1984-06-01 Sold (Public Records) $53,500 Public Records

Property tax history

+2.4%/yr

Latest (2025): $980 · +22.9% YoY. Source: county tax records.