5400 Collins Road, #119 Plan · Jacksonville, FL 32244

$79,900

3 bd · 2.0 ba · 1,456 sqft · Manufactured · 181 Days on market

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to life at Continental Village, a Land Leased Manufactured Home Community in Jacksonville. This 2024 residence offers 3 BR, 2 BA, and 1456 sq. ft. With amenities to simplify daily routines, this home is designed to balance space and functionality. Its straightforward layout makes it easy to personalize and enjoy. Schedule your visit with our team today.

Key facts

• Listed 180 days

Property features AI

Finance

• Financial info: List price $79,900

Exterior

• Home design: Plan inventory (new construction plan); Single-level residence implied by plan name

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: Living area approximately 1,456

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $80k.

Deal economics

• At list price, monthly cash flow is $812 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $80k).
• Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
• Cap rate 18.5% 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.
• Market conditions: Rents rising (+2.2%/yr); 353 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 16d 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 33% 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 $552 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.
• At projected returns (-3.0% appreciation + 2.2% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 181 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate 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 $70,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 181 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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: 2.16% ✓
• Cap rate: 18.49%
• Cash-on-cash: 43.56%
• DSCR: 2.94
• GRM: 3.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.25% rent growth · sell at horizon

5-year hold

• IRR: 39.6%
• Equity multiple: 2.68×
• Total profit: $37,513
• Equity at exit: $11,913

10-year hold

• IRR: 45.6%
• Equity multiple: 5.21×
• Total profit: $94,150
• Equity at exit: $6,908

Cash invested: $22,372 (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 32244

• Home prices YoY: -17.8%
• Rents YoY: 2.2%
• Active inventory: 353
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $1,727 high
• Mortgage (P&I): −$419
• Tax est. 1.5%: −$100 /mo · $1,198/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$363
• Net cashflow: $812

Break-even live

Break-even rent $699

Max offer price $79,900

Occupancy floor 48%

Sensitivity live

Price	-10% $867	-5% $840	+0% $812	+5% $785	+10% $757
Rent	-10% $676	-5% $744	+0% $812	+5% $880	+10% $949
Rate	-1.0pp $852	-0.5pp $832	base $812	+0.5pp $791	+1.0pp $770

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8271 Pineverde Ln Jacksonville, FL	2.0	2.0	1182	$1,496	$1.27	5d	1	0.09mi
8326 Windypine Ln Jacksonville, FL	2.0	2.0	1225	$1,325	$1.08	24d	1	0.14mi
5260 Collins Rd Jacksonville, FL	3.0	2.5	1443	$1,575	$1.09	15d	2	0.17mi
5260 Collins Rd #1401 Jacksonville, FL	3.0	2.5	1596	$1,650	$1.03	8d	1	0.17mi
5258 Collins Preserve Ln Jacksonville, FL	1.0–3.0	1.0–2.0	1002	$2,129	$2.12	4d	49	0.22mi
5524 Greatpine Ln N Jacksonville, FL	3.0	2.0	1450	$1,500	$1.03	17d	1	0.22mi
8155 Pineverde Ln Jacksonville, FL	3.0	2.0	1426	$1,985	$1.39	17d	1	0.25mi
5539 Pinebay Cir N Jacksonville, FL	2.0	2.0	1210	$1,350	$1.12	20d	1	0.25mi
8269 Halls Hammock Ct Jacksonville, FL	3.0	3.0	1539	$1,699	$1.10	24d	1	0.28mi
8224 Halls Hammock Ct Jacksonville, FL	3.0	2.5	1364	$1,750	$1.28	24d	1	0.33mi
8218 Halls Hammock Ct Jacksonville, FL	3.0	2.5	1364	$1,650	$1.21	24d	1	0.33mi
5553 Greatpine Ln S Jacksonville, FL	2.0	2.0	1210	$1,495	$1.24	14d	1	0.36mi
5557 Greatpine Ln S Jacksonville, FL	2.0	2.0	1210	$1,495	$1.24	22d	1	0.37mi
5620 Collins Rd Jacksonville, FL	1.0–3.0	1.0–2.0	936	$1,150	$1.23	18d	1	0.38mi
2078 Tanager Dr Orange Park, FL	3.0	2.0	1664	$1,970	$1.18	5d	1	0.51mi
2066 Tanager Dr Orange Park, FL	3.0	2.0	1617	$2,000	$1.24	11d	1	0.52mi
4925 Collins Rd Jacksonville, FL	1.0–3.0	1.0–3.0	943	$2,226	$2.36	2d	21	0.56mi
669 Holly Lakes Dr Orange Park, FL	4.0	2.5	1563	$1,850	$1.18	24d	1	0.64mi
85 Debarry Ave Orange Park, FL	2.0	2.5	1170	$1,295	$1.11	24d	1	0.75mi
351 Crossing Blvd Orange Park, FL	1.0–3.0	1.0–2.0	1218	$1,899	$1.56	2d	41	0.94mi
330 Canoe Cir Orange Park, FL	3.0	2.0	1299	$1,950	$1.50	8d	1	1.04mi
1747 Papaya Dr N Orange Park, FL	3.0	2.0	1273	$1,895	$1.49	8d	1	1.13mi
1455 Beecher Ln Orange Park, FL	3.0	2.0	1618	$2,220	$1.37	15d	1	1.14mi
7461 Greenway Dr Jacksonville, FL	3.0	2.0	1557	$2,200	$1.41	24d	1	1.41mi
8500 Argyle Business Loop Jacksonville, FL	1.0–3.0	1.0–2.0	921	$1,475	$1.60	24d	1	1.42mi
6024 Du Clay Rd Jacksonville, FL	2.0	2.5	1278	$1,400	$1.10	2d	1	1.45mi
6028 Du Clay Rd Jacksonville, FL	2.0	3.0	1308	$1,500	$1.15	24d	1	1.46mi
141 Old Orange Park Rd Orange Park, FL	1.0–3.0	1.0–2.0	1075	$1,515	$1.41	2d	11	1.46mi
7610 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	880	$1,300	$1.48	15d	1	1.47mi
5900 Townsend Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1177	$1,699	$1.44	3d	12	1.47mi

Listing history 11 events

1. 2026-06-21
   days on market $79,900 Active 181 DOM
2. 2026-06-18
   days on market $79,900 Active 178 DOM
3. 2026-06-17
   days on market $79,900 Active 177 DOM
4. 2026-06-16
   days on market $79,900 Active 176 DOM
5. 2026-06-15
   days on market $79,900 Active 175 DOM
6. 2026-06-10
   days on market $79,900 Active 169 DOM
7. 2026-06-08
   days on market $79,900 Active 168 DOM
8. 2026-06-03
   days on market $79,900 Active 163 DOM
9. 2026-06-02
   days on market $79,900 Active 162 DOM
10. 2026-06-01
    days on market $79,900 Active 161 DOM
11. 2026-05-31
    days on market $79,900 Active 160 DOM

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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: $20,724
• − Mortgage interest: −$4,476
• − Property taxes: −$1,198
• − Insurance: −$400
• − Repairs & maintenance: −$1,658
• − Management: −$1,658
• − Depreciation: −$2,324
• Taxable income: $9,010
• Est. tax owed @ 24.0%: −$2,162
• After-tax cash flow: $7,584/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): 63,592
• Household income: $62,204
• Rent vs Own: 43.7% rent · 56.3% own
• Severe rent burden: 2799.0

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: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 39% Black 35% Hispanic / Latino 15% Two or more races 10% Asian 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 3%
• Common ancestry: Hispanic 1% Lithuanian 1% Romanian 1%
• Foreign-born: 12% · Canada, Vietnam, China
• Languages at home: 83% English-only · Spanish 9% Tagalog/Filipino 3% French/Haitian/Cajun 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: ▼ -64.22%
• Current HPI: 296.5375
• Rent YoY: ▲ 2.25%
• 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