1540 El Prado Rd #4 · Jacksonville, FL 32216

$79,000

3 bd · 2.0 ba · 1,180 sqft · Condo public records · 46 Days on market

Built 1967 $500/mo HOA · 30% of rent

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Why this score? — see what drove the B- 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 +27.5/30.0
• 1% rule +10.0/10.0
• DSCR +9.6/10.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

Key facts

• $500 HOA
• Built 1967
• Listed 46 days

Property features AI

Finance

• HOA & community: Community association managed by Freedom Community Management; HOA fee $500 monthly

Exterior

• Parking: Assigned parking; Guest parking; Additional parking available
• Utilities: Public sewer; Cable available; Electricity available; Water available
• Home design: Condominium; Property is attached; 2-story; Entry level: 2; Faces northeast
• Exterior features: Patio; Creek on the property; Waterfront

Interior

• Kitchen: Electric oven; Electric range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Laminate flooring; Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; His and hers closets; Fireplace (1)
• Laundry & utility: In-unit washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath condo listed at $79k.

Deal economics

• At list price, monthly cash flow is $234 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $79k).
• Recommended offer: $77k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 4.0% 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: Hogan-Spring Glen Elementary School (math 47% / reading 42%, grade F, #1,288 of 2,144 statewide, top 62%, 450 students, 62% FRL); Arlington Middle School (math 23% / reading 21%, grade F, #549 of 571 statewide, top 97%, 798 students, 74% FRL); Englewood High School (math 21% / reading 21%, grade F, #551 of 667 statewide, top 83%, 1,741 students, 58% FRL) — zoned schools average 64% FRL vs 49% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 29% at this address vs 46% district-wide (-16 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.2%/yr); 219 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 32% of the median local income ($62k/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 $546 of loan paydown is wiped out by about $2k 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 46 days — a 3% lower offer ($77k) is reasonable based on typical stale-listing flexibility.
• 14 sale attempts since 19y ago; this cycle's ask has dropped $10k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 30% of rent.
• 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 $76,630 (3.0% below list)

Questions for the listing agent

1. It's been on market 46 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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. 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.
8. 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.
9. 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: 2.11% ✓
• Cap rate: 9.84%
• Cash-on-cash: 12.68%
• DSCR: 1.56
• GRM: 3.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -3.1%
• Equity multiple: 0.89×
• Total profit: $-2,446
• Equity at exit: $11,779

10-year hold

• IRR: -0.3%
• Equity multiple: 0.98×
• Total profit: $-411
• Equity at exit: $6,830

Cash invested: $22,120 (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 32216

• Rents YoY: -0.2%
• Active inventory: 219
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $1,669 high
• Mortgage (P&I): −$414
• Tax from tax record: −$138 /mo · $1,651/yr
• Insurance: −$33
• HOA: −$500
• Vacancy / Maint / Mgmt: −$351
• Net cashflow: $234

Break-even live

Break-even rent $1,373

Max offer price $79,000

Occupancy floor 81%

Sensitivity live

Price	-10% $279	-5% $256	+0% $234	+5% $211	+10% $189
Rent	-10% $102	-5% $168	+0% $234	+5% $300	+10% $366
Rate	-1.0pp $274	-0.5pp $254	base $234	+0.5pp $213	+1.0pp $193

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: $19,750
• Closing costs: $2,370
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7346 El Barco Rd #8 Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	14d	1	0.05mi
7346 El Barco Rd #8 Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	24d	1	0.05mi
7505 Beach Blvd Jacksonville, FL	3.0	1.0–2.0	900	$1,650	$1.83	24d	20	0.19mi
7104 Waikiki Rd Jacksonville, FL	4.0	1.5	1497	$1,695	$1.13	8d	1	0.66mi
6650 Corporate Center Pkwy Jacksonville, FL	1.0–3.0	1.0–2.0	990	$3,308	$3.34	2d	12	0.71mi
8601 Beach Blvd Jacksonville, FL	2.0–3.0	2.0	1234	$1,700	$1.38	2d	3	0.73mi
8343 Hogan Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1043	$1,574	$1.51	3d	17	0.84mi
7811 Aquarius Cir S Jacksonville, FL	3.0	2.0	1298	$1,760	$1.36	24d	1	0.93mi
1515 Pullen Rd Unit 4 Jacksonville, FL	2.0	1.0	800	$1,100	$1.38	24d	1	0.96mi
8846 Cavender Dr Jacksonville, FL	3.0	2.0	1176	$1,475	$1.25	15d	1	0.96mi
8846 Cavender Dr Jacksonville, FL	3.0	2.0	1176	$1,475	$1.25	21d	1	0.96mi
8232 Rigel Rd Jacksonville, FL	3.0	2.5	1372	$1,610	$1.17	14d	1	1.05mi
8236 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,585	$1.17	24d	1	1.06mi
2440 San Sago Ln Jacksonville, FL	3.0	2.0	1500	$1,945	$1.30	24d	1	1.07mi
8252 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,625	$1.20	24d	1	1.08mi
8778 Buzz Ct Jacksonville, FL	3.0	2.0	1212	$1,800	$1.49	24d	1	1.11mi
551 Eiseman Way Jacksonville, FL	3.0	2.5	1358	$1,620	$1.19	24d	1	1.12mi
8290 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,595	$1.17	24d	1	1.13mi
421 Aralia Ln Jacksonville, FL	3.0	2.5	1492	$1,681	$1.13	21d	1	1.16mi
2525 Dean Rd Jacksonville, FL	3.0	1.0	1424	$1,850	$1.30	24d	1	1.19mi
574 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.20mi
574 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	24d	1	1.20mi
558 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	21d	1	1.22mi
558 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.22mi
514 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.22mi
514 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	24d	1	1.22mi
3013 Newell Blvd Jacksonville, FL	4.0	1.5	1350	$1,795	$1.33	24d	1	1.23mi
513 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	5d	1	1.25mi
545 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	24d	1	1.25mi
514 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.26mi
514 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	24d	1	1.26mi
535 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	24d	1	1.26mi
535 Kit St Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.26mi
471 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.31mi
471 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	17d	1	1.31mi
2613 Sandusky Ave E Jacksonville, FL	3.0	2.0	1116	$1,800	$1.61	8d	1	1.31mi
451 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.33mi
451 Matilda Ln Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	8d	1	1.33mi
487 Terabithia Way Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	21d	1	1.33mi
487 Terabithia Way Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	15d	1	1.33mi

HOA detail condo

• Monthly dues: $500 · $6,000/yr
• Likely covers: waterpoolgymsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 48 events

1. 2026-06-07
   statusdays on market $79,000 Pending 46 DOM
2. 2026-06-05
   days on market $79,000 Active 45 DOM
3. 2026-06-03
   days on market $79,000 Active 44 DOM
4. 2026-06-02
   days on market $79,000 Active 43 DOM
5. 2026-06-01
   days on market $79,000 Active 42 DOM
6. 2026-05-31
   days on market $79,000 Active 41 DOM
7. 2026-05-19
   price $85,000
8. 2026-05-13
   status Active
9. 2026-05-12
   status Pending
10. 2026-05-11
    status Active
11. 2026-04-28
    status Pending
12. 2026-04-06
    listed $89,000 Active
13. 2026-03-20
    historical $1,325
14. 2026-03-16
    historical 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

15. 2026-03-13
    price $89,000 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

16. 2026-03-04
    price $94,000 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

17. 2026-02-15
    status Active 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

18. 2026-02-15
    price $99,000 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

19. 2026-02-13
    listed $1,325
20. 2026-02-12
    price $119,000 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

21. 2026-02-09
    historical $1,325
22. 2026-01-27
    historical Active Under Contract 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

23. 2026-01-16
    price $124,000 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

24. 2026-01-14
    price $129,000 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

25. 2026-01-02
    price $131,500 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

26. 2025-12-17
    price $134,000 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

27. 2025-12-17
    listed $1,325

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

28. 2025-12-11
    historical $1,500
29. 2025-11-17
    listed $1,500
30. 2025-11-16
    historical $1,500
31. 2025-11-05
    listed $139,000 Active 486-char remark

    Show marketing remark (486 chars)

    Beautiful 3BR/2BA Southside Condo with Pool & Creek Views! Enjoy resort-style living in this bright, airy end unit overlooking the pool and peaceful Pottsburg Creek. This well-maintained home features a charming stone fireplace, open living space, and a private 2nd-floor balcony with relaxing water and preserve views. Community amenities include multiple pools, tennis courts, a fitness center, and even features access to Pottsburg Creek, a boat ramp, and a gated community.

32. 2025-10-15
    listed $1,500
33. 2025-10-10
    historical $1,500
34. 2025-05-30
    listed $1,500
35. 2023-01-16
    historical 698-char remark

    Show marketing remark (698 chars)

    Fantastic 3 bedroom 2 bath condo with one of the best locations in the community! Steps to the pool with a fantastic view of peaceful Pottsburg Creek. Kitchen cabinets and counters/sink just replaced in a lovely grey palette with brand new backsplash. Microwave and dishwasher are also new! AC compressor also just replaced. No carpet for easy maintenance and all appliances convey. Enjoy water and preserve views from your 2nd floor balcony. Great location close to the beach, shopping, and restaurants. Amenities offered are pool, tennis, fitness center, and boat dock. Condo fees include exterior maintenance, security, water/sewer. Would make a great rental or starter home! Being sold as is.

36. 2022-11-28
    price $144,000 698-char remark

    Show marketing remark (698 chars)

    Fantastic 3 bedroom 2 bath condo with one of the best locations in the community! Steps to the pool with a fantastic view of peaceful Pottsburg Creek. Kitchen cabinets and counters/sink just replaced in a lovely grey palette with brand new backsplash. Microwave and dishwasher are also new! AC compressor also just replaced. No carpet for easy maintenance and all appliances convey. Enjoy water and preserve views from your 2nd floor balcony. Great location close to the beach, shopping, and restaurants. Amenities offered are pool, tennis, fitness center, and boat dock. Condo fees include exterior maintenance, security, water/sewer. Would make a great rental or starter home! Being sold as is.

37. 2022-11-13
    price $149,000 698-char remark

    Show marketing remark (698 chars)

    Fantastic 3 bedroom 2 bath condo with one of the best locations in the community! Steps to the pool with a fantastic view of peaceful Pottsburg Creek. Kitchen cabinets and counters/sink just replaced in a lovely grey palette with brand new backsplash. Microwave and dishwasher are also new! AC compressor also just replaced. No carpet for easy maintenance and all appliances convey. Enjoy water and preserve views from your 2nd floor balcony. Great location close to the beach, shopping, and restaurants. Amenities offered are pool, tennis, fitness center, and boat dock. Condo fees include exterior maintenance, security, water/sewer. Would make a great rental or starter home! Being sold as is.

38. 2022-11-13
    listed $145,000 Active 698-char remark

    Show marketing remark (698 chars)

    Fantastic 3 bedroom 2 bath condo with one of the best locations in the community! Steps to the pool with a fantastic view of peaceful Pottsburg Creek. Kitchen cabinets and counters/sink just replaced in a lovely grey palette with brand new backsplash. Microwave and dishwasher are also new! AC compressor also just replaced. No carpet for easy maintenance and all appliances convey. Enjoy water and preserve views from your 2nd floor balcony. Great location close to the beach, shopping, and restaurants. Amenities offered are pool, tennis, fitness center, and boat dock. Condo fees include exterior maintenance, security, water/sewer. Would make a great rental or starter home! Being sold as is.

39. 2017-01-31
    historical
40. 2017-01-31
    status Pending
41. 2016-12-12
    historical Active - Contingent
42. 2016-12-09
    listed $55,000 Active
43. 2008-07-01
    soldstatus $90,000
44. 2008-06-25
    soldstatus $90,000
45. 2008-01-04
    listed $99,900
46. 2007-12-01
    historical
47. 2007-09-16
    listed $114,900
48. 1984-08-01
    soldstatus $46,000

ⓘ 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: $1,651 · $138/mo
• Projected year-2 tax: $1,651 · $138/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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: $20,030
• − Mortgage interest: −$4,425
• − Property taxes: −$1,651
• − Insurance: −$395
• − Repairs & maintenance: −$1,602
• − Management: −$1,602
• − HOA: −$6,000
• − Depreciation: −$2,298
• Taxable income: $2,055
• Est. tax owed @ 24.0%: −$493
• After-tax cash flow: $2,312/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): 42,298
• Household income: $61,821
• Rent vs Own: 52.1% rent · 47.9% own
• Severe rent burden: 3324.0

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 0.67)
• Race & ethnicity: White 51% Black 22% Hispanic / Latino 16% Two or more races 11% Asian 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 4%
• Common ancestry: Italian 2% Lithuanian 2% American 2%
• Foreign-born: 16% · Canada, Vietnam, Philippines
• Languages at home: 78% English-only · Spanish 11% Other Indo-European 3% Arabic 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: ▼ -221.05%
• Current HPI: 296.9579
• Rent YoY: ▼ -0.21%
• 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

+84.8% since first listed

42 events — show timeline

• 2026-05-19 Price Changed $85,000 realMLS
• 2026-05-13 Relisted — realMLS
• 2026-05-12 Pending — realMLS
• 2026-05-11 Relisted — realMLS
• 2026-04-28 Pending — realMLS
• 2026-04-06 Listed $89,000 realMLS
• 2026-03-20 Rental Removed $1,325 NEFLMLS
• 2026-03-16 Listing Removed — realMLS
• 2026-03-13 Price Changed $89,000 realMLS
• 2026-03-04 Price Changed $94,000 realMLS
• 2026-02-15 Relisted — realMLS
• 2026-02-15 Price Changed $99,000 realMLS
• 2026-02-13 Listed for Rent $1,325 NEFLMLS
• 2026-02-12 Price Changed $119,000 realMLS
• 2026-02-09 Rental Removed $1,325 NEFLMLS
• 2026-01-27 Contingent — realMLS
• 2026-01-16 Price Changed $124,000 realMLS
• 2026-01-14 Price Changed $129,000 realMLS
• 2026-01-02 Price Changed $131,500 realMLS
• 2025-12-17 Price Changed $134,000 realMLS
• 2025-12-17 Listed for Rent $1,325 NEFLMLS
• 2025-12-11 Rental Removed $1,500 NEFLMLS
• 2025-11-17 Listed for Rent $1,500 NEFLMLS
• 2025-11-16 Rental Removed $1,500 RENTEC
• 2025-11-05 Listed $139,000 realMLS
• 2025-10-15 Listed for Rent $1,500 RENTEC
• 2025-10-10 Rental Removed $1,500 RENTEC
• 2025-05-30 Listed for Rent $1,500 RENTEC
• 2023-01-16 Listing Removed — realMLS
• 2022-11-28 Price Changed $144,000 realMLS
• 2022-11-13 Price Changed $149,000 realMLS
• 2022-11-13 Listed $145,000 realMLS
• 2017-01-31 Listing Removed — realMLS
• 2017-01-31 Pending — realMLS
• 2016-12-12 Contingent — realMLS
• 2016-12-09 Listed $55,000 realMLS
• 2008-07-01 Sold (Public Records) $90,000 Public Records
• 2008-06-25 Sold (MLS) $90,000 realMLS
• 2008-01-04 Listed $99,900 realMLS
• 2007-12-01 Listing Removed — realMLS
• 2007-09-16 Listed $114,900 realMLS
• 1984-08-01 Sold (Public Records) $46,000 Public Records

Property tax history

+44.4%/yr

Latest (2025): $1,651 · +0.1% YoY. Source: county tax records.