8126 Paul Jones Dr · Jacksonville, FL 32208

$134,500

2 bd · 1.0 ba · 812 sqft · SingleFamily public records · 229 Days on market

Built 1944 6,098 sqft lot Est $114k · 17% 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 +13.4/30.0
• 1% rule +4.3/10.0
• Livability +4.2/5.0
• DSCR +4.0/10.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 2 bedroom 1 bath home lives larger than its 816 square feet with a sunporch, nice sized yard, garage and open living space between the living room, dining room and kitchen. New exterior and interior paint, new flooring on porch and inside home, all new light fixtures and ceiling fans. Updated kitchen and bath - this is one you won't want to miss. Looking for a starter home, or downsizing? This home could be for you! Make a private appointment today. Washer and dryer hook ups are in the garage and home is being sold AS-IS.

Key facts

• Spacious backyard
• Minutes from i95
• Local parks

Tags

• SPACIOUS BACKYARD
• DETACHED GARAGE
• MINUTES FROM I95
• DOWNTOWN JACKSONVILLE
• LOCAL PARKS

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Detached 1-car garage; Has garage
• Utilities: Public sewer; Electricity connected; Water connected
• Home design: Single-family residence; One level
• Exterior features: Back yard fencing; Asphalt city street frontage

Interior

• Kitchen: No appliances included
• Bedrooms: 2 bedrooms
• Flooring: Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Laminate flooring
• Laundry & utility: Washer hookup; Electric dryer hookup in garage

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $134k.

Deal economics

• At list price, monthly cash flow is $1 ($17/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 $125k (7.0% below list).
• Recommended offer: $118k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.3% 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: North Shore Elementary (math 49% / reading 36%, grade F, #1,383 of 2,144 statewide, top 65%, 701 students, 86% FRL); Matthew W. Gilbert Middle School (math 26% / reading 17%, grade F, #553 of 571 statewide, top 97%, 688 students, 86% FRL); Jean Ribault High School (math 22% / reading 25%, grade F, #533 of 667 statewide, top 80%, 1,385 students, 71% FRL) — zoned schools average 81% FRL vs 49% district-wide (31 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 (-1.4%/yr); 291 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 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).
• This rent runs 36% of the median local income ($41k/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 $930 of loan paydown is wiped out by about $4k 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 229 days — a 12% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y ago 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.

Risks & watch-outs

• Watch-outs: built in 1944 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major 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 $118,360 (12.0% below list)

Questions for the listing agent

1. It's been on market 229 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1944 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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 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: 0.93% ✗
• Cap rate: 6.31%
• Cash-on-cash: 0.05%
• DSCR: 1.00
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $114,492
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
937 Stark St	0.20mi	2/1.0	800 (-2%)	10mo	$124,500	$156	80
8135 Paul Jones Dr	0.03mi	3/2.0 (+1)	840 (+3%)	6mo	$176,000	$210	79
825 Gates St	0.50mi	2/1.0	837 (+3%)	4mo	$134,000	$160	68
889 Bunker Hill Blvd	0.18mi	3/1.0 (+1)	884 (+9%)	14mo	$68,500	$77	60
8210 Monmouth Way	0.32mi	2/1.0	884 (+9%)	15mo	$150,000	$170	58
929 Ethan Allen St	0.18mi	3/1.0 (+1)	884 (+9%)	19mo	$125,000	$141	56
885 Bunker Hill Blvd	0.18mi	3/1.0 (+1)	884 (+9%)	21mo	$100,000	$113	54
1160 Bunker Hill Blvd	0.45mi	3/1.0 (+1)	898 (+11%)	16mo	$118,000	$131	43
7611 Tarleton Rd	0.49mi	3/1.0 (+1)	887 (+9%)	19mo	$75,000	$85	41

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: -19.8%
• Equity multiple: 0.33×
• Total profit: $-25,314
• Equity at exit: $20,054

10-year hold

• IRR: -21.6%
• Equity multiple: 0.05×
• Total profit: $-35,868
• Equity at exit: $11,629

Cash invested: $37,660 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 291
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,250 high
• Mortgage (P&I): −$705
• Tax from tax record: −$225 /mo · $2,700/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $1

Break-even live

Break-even rent $1,249

Max offer price $134,500

Occupancy floor 95%

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: $33,625
• Closing costs: $4,035
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
912 Saratoga Blvd Jacksonville, FL	3.0	1.0	930	$1,250	$1.34	23d	1	0.19mi
8253 Lexington Dr Jacksonville, FL	3.0	1.0	910	$1,330	$1.46	23d	1	0.26mi
7927 Reid Ave Jacksonville, FL	3.0	1.0	1055	$1,500	$1.42	23d	1	0.62mi
7350 Linda Dr Jacksonville, FL	1.0	1.0	954	$795	$0.83	7d	1	0.66mi
1000 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	949	$1,376	$1.45	2d	9	0.67mi
800 Broward Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1028	$1,368	$1.33	1d	42	0.73mi
1244 Ida St Apt 4 Jacksonville, FL	1.0	1.0	686	$900	$1.31	23d	1	0.83mi
7511 N Shore Dr Jacksonville, FL	2.0	1.0	1014	$1,350	$1.33	4d	1	0.88mi
7210 Elwood Ave Jacksonville, FL	2.0	1.0	831	$995	$1.20	21d	1	0.90mi
780 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	1164	$1,771	$1.52	3d	16	0.91mi
346 W 68th St Jacksonville, FL	3.0	1.0	1114	$1,385	$1.24	4d	1	0.92mi
8642 2nd Ave Jacksonville, FL	3.0	2.0	1074	$1,245	$1.16	1d	1	0.92mi
8617 3rd Ave Jacksonville, FL	3.0	1.0	1048	$1,200	$1.15	10d	1	0.93mi
7124 Lorain St Jacksonville, FL	3.0	1.0	864	$1,043	$1.21	2d	1	1.03mi
8663 5th Ave Jacksonville, FL	2.0	1.0	720	$1,045	$1.45	23d	1	1.04mi
9131 Jefferson Ave Jacksonville, FL	3.0	1.0	910	$1,350	$1.48	3d	1	1.16mi
961 Dorchester St Jacksonville, FL	2.0	1.0	884	$1,025	$1.16	2d	1	1.23mi
535 W 59th St Jacksonville, FL	3.0	2.0	816	$1,395	$1.71	7d	1	1.23mi
9017 6th Ave Jacksonville, FL	2.0	1.0	1038	$1,098	$1.06	23d	1	1.27mi
385 Duray Ct Jacksonville, FL	3.0	1.0	932	$1,250	$1.34	19d	1	1.33mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	13d	1	1.35mi
9050 7th Ave Jacksonville, FL	3.0	1.0	896	$1,485	$1.66	23d	1	1.35mi
1975 Rugby Rd Jacksonville, FL	2.0	1.0	992	$1,100	$1.11	7d	1	1.36mi
1059 Glencarin St Jacksonville, FL	2.0	1.0	645	$897	$1.39	4d	1	1.36mi
851 Broxton St Unit 851 Jacksonville, FL	1.0	1.0	700	$875	$1.25	17d	1	1.41mi
6460 Lanark Ave Jacksonville, FL	2.0	1.0	708	$1,095	$1.55	23d	1	1.42mi
1567 Rutledge Ave Jacksonville, FL	3.0	2.0	1050	$1,113	$1.06	23d	1	1.44mi
2312 Palmdale St Jacksonville, FL	3.0	2.0	972	$1,231	$1.27	23d	1	1.49mi
1136 Maynard St Jacksonville, FL	2.0	1.0	919	$1,045	$1.14	23d	1	1.49mi

Listing history 27 events

1. 2026-06-18
   days on market $134,500 Active 229 DOM
2. 2026-06-17
   days on market $134,500 Active 228 DOM
3. 2026-06-16
   days on market $134,500 Active 227 DOM
4. 2026-06-15
   days on market $134,500 Active 226 DOM
5. 2026-06-10
   days on market $134,500 Active 220 DOM
6. 2026-06-08
   days on market $134,500 Active 219 DOM
7. 2026-06-08
   days on market $134,500 Active 218 DOM
8. 2026-06-03
   days on market $134,500 Active 214 DOM
9. 2026-06-02
   days on market $134,500 Active 213 DOM
10. 2026-06-01
    days on market $134,500 Active 212 DOM
11. 2026-05-31
    days on market $134,500 Active 211 DOM
12. 2026-05-13
    price $134,500
13. 2026-03-28
    price $135,000
14. 2026-03-10
    price $135,500
15. 2026-02-26
    status Active
16. 2026-02-22
    historical
17. 2026-02-19
    price $136,000
18. 2025-12-12
    price $139,000
19. 2025-12-12
    status Active
20. 2025-10-13
    historical
21. 2025-08-29
    listed $138,000 Active
22. 2021-12-13
    soldstatus $132,000
23. 2021-12-09
    soldstatus $132,000 Sold 534-char remark

    Show marketing remark (534 chars)

    This 2 bedroom 1 bath home lives larger than its 816 square feet with a sunporch, nice sized yard, garage and open living space between the living room, dining room and kitchen. New exterior and interior paint, new flooring on porch and inside home, all new light fixtures and ceiling fans. Updated kitchen and bath - this is one you won't want to miss. Looking for a starter home, or downsizing? This home could be for you! Make a private appointment today. Washer and dryer hook ups are in the garage and home is being sold AS-IS.

24. 2021-11-29
    status Pending 534-char remark

    Show marketing remark (534 chars)

    This 2 bedroom 1 bath home lives larger than its 816 square feet with a sunporch, nice sized yard, garage and open living space between the living room, dining room and kitchen. New exterior and interior paint, new flooring on porch and inside home, all new light fixtures and ceiling fans. Updated kitchen and bath - this is one you won't want to miss. Looking for a starter home, or downsizing? This home could be for you! Make a private appointment today. Washer and dryer hook ups are in the garage and home is being sold AS-IS.

25. 2021-11-07
    historical Active - Contingent 534-char remark

    Show marketing remark (534 chars)

    This 2 bedroom 1 bath home lives larger than its 816 square feet with a sunporch, nice sized yard, garage and open living space between the living room, dining room and kitchen. New exterior and interior paint, new flooring on porch and inside home, all new light fixtures and ceiling fans. Updated kitchen and bath - this is one you won't want to miss. Looking for a starter home, or downsizing? This home could be for you! Make a private appointment today. Washer and dryer hook ups are in the garage and home is being sold AS-IS.

26. 2021-10-26
    listed $125,000 Active 534-char remark

    Show marketing remark (534 chars)

    This 2 bedroom 1 bath home lives larger than its 816 square feet with a sunporch, nice sized yard, garage and open living space between the living room, dining room and kitchen. New exterior and interior paint, new flooring on porch and inside home, all new light fixtures and ceiling fans. Updated kitchen and bath - this is one you won't want to miss. Looking for a starter home, or downsizing? This home could be for you! Make a private appointment today. Washer and dryer hook ups are in the garage and home is being sold AS-IS.

27. 1982-10-01
    soldstatus $21,600

ⓘ 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: $2,700 · $225/mo
• Projected year-2 tax: $2,700 · $225/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 6/10 Major FEMA zone X (unshaded) · 71% 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: $15,005
• − Mortgage interest: −$7,534
• − Property taxes: −$2,700
• − Insurance: −$672
• − Repairs & maintenance: −$1,200
• − Management: −$1,200
• − Depreciation: −$3,913
• Taxable loss: −$2,215
• Est. tax savings @ 24.0%: +$532
• After-tax cash flow: $549/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): 32,699
• Household income: $41,324
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1765.0

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 (77%)
• Race & ethnicity: Black 77% White 16% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 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: ▼ -110.56%
• Current HPI: 217.9706
• Rent YoY: ▼ -1.36%
• 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

+522.7% since first listed

16 events — show timeline

• 2026-05-13 Price Changed $134,500 realMLS
• 2026-03-28 Price Changed $135,000 realMLS
• 2026-03-10 Price Changed $135,500 realMLS
• 2026-02-26 Relisted — realMLS
• 2026-02-22 Listing Removed — realMLS
• 2026-02-19 Price Changed $136,000 realMLS
• 2025-12-12 Price Changed $139,000 realMLS
• 2025-12-12 Relisted — realMLS
• 2025-10-13 Listing Removed — realMLS
• 2025-08-29 Listed $138,000 realMLS
• 2021-12-13 Sold (Public Records) $132,000 Public Records
• 2021-12-09 Sold (MLS) $132,000 realMLS
• 2021-11-29 Pending — realMLS
• 2021-11-07 Contingent — realMLS
• 2021-10-26 Listed $125,000 realMLS
• 1982-10-01 Sold (Public Records) $21,600 Public Records

Property tax history

+9.2%/yr

Latest (2025): $2,700 · +8.7% YoY. Source: county tax records.