10127 Haverford Rd · Jacksonville, FL 32218

$165,000

3 bd · 2.0 ba · 1,176 sqft · SingleFamily public records · 56 Days on market

Built 1955 0.26 ac lot Est $193k · 14% under

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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).

• ARV discount +14.0/15.0
• Cash flow +13.9/30.0
• 1% rule +4.9/10.0
• DSCR +4.2/10.0
• 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

This recently completely updated home is a must-see! Featuring a brand-new kitchen, bathrooms, paint, modern vinyl flooring throughout, and plush new carpet in the bedrooms, this house combines contemporary style with comfort. With 3 bedrooms and 2 bathrooms, plus an extra room that can be used as a bedroom, office, or anything you desire, this home offers flexible living spaces to suit your needs. Conveniently located near the Trout River, the Zoo, 295, the airport, Downtown, and just 25 minutes from the beaches, this property is perfect for those who love to explore and enjoy the best of the area. The home also boasts a durable metal roof, a spacious carport, and a screened back porch where you can relax and enjoy your favorite beverage. Don't miss out on this beautifully updated home in a prime location!

Key facts

• Updated bathrooms
• Newer carpet
• Updated kitchen

Tags

• UPDATED KITCHEN
• SOLID SURFACE COUNTERTOPS
• UPDATED BATHROOMS
• NEWER VINYL
• NEWER CARPET

Property features AI

Finance

• Financial info: Property tax information listed (tax year 2025)
• HOA & community: Not a senior community

Exterior

• Parking: Garage (1 space)
• Utilities: Electricity available; Sewer available; Water available
• Home design: Single-family residence; One level
• Exterior features: Private pool: No; Lot approximately 0.26 acres

Interior

• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: No built-in appliances listed

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $165k.

Deal economics

• At list price, monthly cash flow is $-49 ($-591/yr) — negative.
• To cash-flow at today's rent, offer at most $156k (5.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $163k (1.1% below list).
• Recommended offer: $156k (5.3% below list) — sets the bar for cash-flow.
• Cap rate 6.4% 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 soft (-0.4%/yr); 728 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 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.
• 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 56 days — a 3% lower offer ($160k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 19y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $156,306 (5.3% 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 56 days. Have you received any prior offers? Is the seller open to a 5% concession, seller financing, or rate buy-down credit?
3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
8. 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.
9. 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.
10. 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: 0.99% ✗
• Cap rate: 6.42%
• Cash-on-cash: 0.45%
• DSCR: 1.02
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $192,864
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10242 Haverford Rd	0.13mi	4/2.0 (+1)	1,248 (+6%)	0mo	$229,000	$183	79
10250 Briarcliff Rd E	0.20mi	3/1.5	1,108 (-6%)	3mo	$192,000	$173	76
1139 De Paul Dr	0.36mi	3/1.0	1,130 (-4%)	1mo	$149,000	$132	72
1134 Carthage Dr	0.26mi	3/1.0	1,252 (+6%)	1mo	$192,500	$154	72
10520 De Paul Dr	0.22mi	4/2.0 (+1)	1,261 (+7%)	3mo	$215,000	$170	71
1034 Beckner Ave	0.54mi	3/1.5	1,198 (+2%)	3mo	$175,000	$146	68
2143 Newberry Rd	0.54mi	3/1.5	1,250 (+6%)	0mo	$160,200	$128	62
1614 Loyola Dr N	0.62mi	3/1.0	1,146 (-3%)	4mo	$175,000	$153	59
10623 Biscayne Blvd	0.57mi	3/1.0	1,080 (-8%)	2mo	$215,000	$199	54
10551 Conrad Dr	0.49mi	3/1.0	1,068 (-9%)	5mo	$200,000	$187	53
10550 Fairlane Dr	0.62mi	3/2.0	1,036 (-12%)	1mo	$170,000	$164	50
1613 Loyola Dr N	0.63mi	3/1.0	1,036 (-12%)	2mo	$160,000	$154	45

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: -22.4%
• Equity multiple: 0.25×
• Total profit: $-34,507
• Equity at exit: $24,602

10-year hold

• IRR: -29.2%
• Equity multiple: -0.12×
• Total profit: $-51,971
• Equity at exit: $14,266

Cash invested: $46,200 (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 32218

• Home prices YoY: -25.7%
• Rents YoY: -0.4%
• Active inventory: 728
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,632 high
• Mortgage (P&I): −$865
• Tax from tax record: −$338 /mo · $4,054/yr
• Insurance: −$69
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$343
• Net cashflow: $-49

Break-even live

Break-even rent $1,694

Max offer price $156,306

Occupancy floor 98%

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: $41,250
• Closing costs: $4,950
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10310 Briarcliff Rd E Jacksonville, FL	3.0	2.0	1285	$1,399	$1.09	14d	1	0.27mi
1123 Depaul Dr Jacksonville, FL	3.0	1.5	1152	$1,295	$1.12	21d	1	0.40mi
10529 Keuka Dr Jacksonville, FL	4.0	1.0	1101	$600	$0.54	7d	1	0.40mi
10561 Ashby Rd Jacksonville, FL	3.0	1.0	1034	$1,181	$1.14	23d	1	0.48mi
1033 Ake Ln Jacksonville, FL	3.0	1.0	868	$1,200	$1.38	21d	1	0.55mi
9808 Morgan Marsh Ct Jacksonville, FL	3.0	2.5	1380	$1,599	$1.16	23d	1	0.61mi
9806 Morgan Marsh Ct Unit 9856 Jacksonville, FL	3.0	2.5	1380	$1,609	$1.17	20d	1	0.61mi
9806 Morgan Marsh Ct Jacksonville, FL	3.0	2.5	1380	$1,609	$1.17	23d	1	0.61mi
12802 Haverford Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1000	$1,299	$1.30	1d	15	0.68mi
1333 Dunn Ave Jacksonville, FL	2.0	1.0	576	$1,185	$2.06	1d	16	0.76mi
10621 Monaco Dr Jacksonville, FL	1.0–2.0	1.0–1.5	975	$1,150	$1.18	23d	7	0.78mi
1601 Dunn Ave Jacksonville, FL	1.0–3.0	1.0–2.0	852	$1,575	$1.85	2d	12	0.84mi
780 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	1164	$2,143	$1.84	3d	16	0.85mi
10964 Bacall Rd W Jacksonville, FL	3.0	1.5	1138	$1,550	$1.36	23d	1	0.93mi
1000 Island Point Dr Jacksonville, FL	1.0–3.0	1.0–2.0	949	$1,684	$1.77	2d	9	0.95mi
9565 Carbondale Dr W Unit B Jacksonville, FL	3.0	2.0	1400	$2,000	$1.43	23d	1	0.96mi
10897 Regency Dr Jacksonville, FL	4.0	2.0	1391	$1,650	$1.19	4d	1	0.98mi
800 Broward Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1028	$1,711	$1.66	1d	42	1.06mi
2462 Quail Ave Jacksonville, FL	3.0	1.5	1312	$1,397	$1.06	23d	1	1.13mi
2482 Quail Ave Jacksonville, FL	3.0	2.0	1224	$1,850	$1.51	17d	1	1.16mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1306	$1,495	$1.14	16d	1	1.19mi
2489 Quail Ave Jacksonville, FL	3.0	2.0	1308	$1,495	$1.14	23d	1	1.19mi
9131 Jefferson Ave Jacksonville, FL	3.0	1.0	910	$1,350	$1.48	3d	1	1.24mi
11050 Harts Rd Jacksonville, FL	3.0	2.0–2.5	1145	$1,511	$1.32	2d	10	1.26mi
10735 Merida Dr #14 Jacksonville, FL	4.0	2.0	1303	$1,635	$1.25	7d	1	1.27mi
11011 Harts Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1052	$1,742	$1.66	1d	23	1.30mi
11029 Traci Lynn Dr Jacksonville, FL	3.0	2.0	1402	$1,550	$1.11	3d	1	1.31mi
9124 Adams Ave Jacksonville, FL	3.0	3.0	1207	$1,800	$1.49	23d	1	1.32mi
8253 Lexington Dr Jacksonville, FL	3.0	1.0	910	$1,330	$1.46	23d	1	1.40mi
8910 Adams Ave Jacksonville, FL	4.0	2.0	1250	$1,225	$0.98	2d	1	1.41mi
10535 Lem Turner Rd Jacksonville, FL	1.0–4.0	1.0–2.0	1012	$1,562	$1.54	2d	40	1.44mi
912 Saratoga Blvd Jacksonville, FL	3.0	1.0	930	$1,250	$1.34	23d	1	1.48mi
915 Wayne St Jacksonville, FL	4.0	2.0	1220	$1,313	$1.08	2d	1	1.50mi

Listing history 37 events

1. 2026-06-13
   statusdays on market $165,000 Pending 56 DOM
2. 2026-06-10
   days on market $165,000 Active 54 DOM
3. 2026-06-08
   days on market $165,000 Active 53 DOM
4. 2026-06-07
   days on market $165,000 Active 52 DOM
5. 2026-06-05
   days on market $165,000 Active 49 DOM
6. 2026-06-03
   days on market $165,000 Active 48 DOM
7. 2026-06-02
   days on market $165,000 Active 47 DOM
8. 2026-06-01
   days on market $165,000 Active 46 DOM
9. 2026-05-31
   days on market $165,000 Active 45 DOM
10. 2026-05-19
    price $165,000
11. 2026-04-16
    listed $175,000 Active
12. 2025-08-20
    historical
13. 2024-12-28
    historical 821-char remark

    Show marketing remark (821 chars)

    This recently completely updated home is a must-see! Featuring a brand-new kitchen, bathrooms, paint, modern vinyl flooring throughout, and plush new carpet in the bedrooms, this house combines contemporary style with comfort. With 3 bedrooms and 2 bathrooms, plus an extra room that can be used as a bedroom, office, or anything you desire, this home offers flexible living spaces to suit your needs. Conveniently located near the Trout River, the Zoo, 295, the airport, Downtown, and just 25 minutes from the beaches, this property is perfect for those who love to explore and enjoy the best of the area. The home also boasts a durable metal roof, a spacious carport, and a screened back porch where you can relax and enjoy your favorite beverage. Don't miss out on this beautifully updated home in a prime location!

14. 2024-12-02
    listed $275,000 Active
15. 2024-11-07
    price $252,000 821-char remark

    Show marketing remark (821 chars)

    This recently completely updated home is a must-see! Featuring a brand-new kitchen, bathrooms, paint, modern vinyl flooring throughout, and plush new carpet in the bedrooms, this house combines contemporary style with comfort. With 3 bedrooms and 2 bathrooms, plus an extra room that can be used as a bedroom, office, or anything you desire, this home offers flexible living spaces to suit your needs. Conveniently located near the Trout River, the Zoo, 295, the airport, Downtown, and just 25 minutes from the beaches, this property is perfect for those who love to explore and enjoy the best of the area. The home also boasts a durable metal roof, a spacious carport, and a screened back porch where you can relax and enjoy your favorite beverage. Don't miss out on this beautifully updated home in a prime location!

16. 2024-07-24
    listed $255,000 Active 821-char remark

    Show marketing remark (821 chars)

    This recently completely updated home is a must-see! Featuring a brand-new kitchen, bathrooms, paint, modern vinyl flooring throughout, and plush new carpet in the bedrooms, this house combines contemporary style with comfort. With 3 bedrooms and 2 bathrooms, plus an extra room that can be used as a bedroom, office, or anything you desire, this home offers flexible living spaces to suit your needs. Conveniently located near the Trout River, the Zoo, 295, the airport, Downtown, and just 25 minutes from the beaches, this property is perfect for those who love to explore and enjoy the best of the area. The home also boasts a durable metal roof, a spacious carport, and a screened back porch where you can relax and enjoy your favorite beverage. Don't miss out on this beautifully updated home in a prime location!

17. 2024-04-02
    soldstatus $229,900
18. 2024-03-22
    soldstatus $229,000 Closed
19. 2024-02-23
    historical Active Under Contract
20. 2024-02-14
    listed $229,900 Active
21. 2024-01-20
    historical
22. 2023-12-01
    price $226,900
23. 2023-11-20
    status Active
24. 2023-11-03
    status Pending
25. 2023-09-20
    price $229,900
26. 2023-08-19
    listed $239,900 Active
27. 2023-02-26
    soldstatus $118,000
28. 2023-02-17
    soldstatus $118,000 Sold
29. 2022-12-17
    status Pending
30. 2022-12-09
    status Active
31. 2022-11-30
    status Pending
32. 2022-10-17
    listed $179,000 Active
33. 2007-06-07
    soldstatus $110,000
34. 2007-06-01
    historical
35. 2007-05-31
    soldstatus $110,000
36. 2007-04-14
    listed $110,000
37. 1992-08-01
    soldstatus $40,500

ⓘ 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: $4,054 · $338/mo
• Projected year-2 tax: $4,054 · $338/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 8/10 Severe FEMA zone X (shaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 18 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: $19,581
• − Mortgage interest: −$9,243
• − Property taxes: −$4,054
• − Insurance: −$1,622
• − Repairs & maintenance: −$1,566
• − Management: −$1,566
• − Depreciation: −$4,800
• Taxable loss: −$3,271
• Est. tax savings @ 24.0%: +$785
• After-tax cash flow: $194/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): 72,905
• Household income: $69,638
• Rent vs Own: 32.7% rent · 67.3% own
• Severe rent burden: 2289.0

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 0.64)
• Race & ethnicity: Black 48% White 35% Hispanic / Latino 9% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4%
• Common ancestry: Slovak 1% Lithuanian 1% Italian 1%
• Foreign-born: 6% · Canada, Jamaica, Vietnam
• Languages at home: 89% English-only · Spanish 6% French/Haitian/Cajun 1% Tagalog/Filipino 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: ▼ -90.73%
• Current HPI: 262.2329
• Rent YoY: ▼ -0.40%
• 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

+307.4% since first listed

28 events — show timeline

• 2026-05-19 Price Changed $165,000 realMLS
• 2026-04-16 Listed $175,000 realMLS
• 2025-08-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-12-28 Listing Removed — realMLS
• 2024-12-02 Listed $275,000 Stellar MLS as Distributed by MLS Grid
• 2024-11-07 Price Changed $252,000 realMLS
• 2024-07-24 Listed $255,000 realMLS
• 2024-04-02 Sold (Public Records) $229,900 Public Records
• 2024-03-22 Sold (MLS) $229,000 realMLS
• 2024-02-23 Contingent — realMLS
• 2024-02-14 Listed $229,900 realMLS
• 2024-01-20 Listing Removed — realMLS
• 2023-12-01 Price Changed $226,900 realMLS
• 2023-11-20 Relisted — realMLS
• 2023-11-03 Pending — realMLS
• 2023-09-20 Price Changed $229,900 realMLS
• 2023-08-19 Listed $239,900 realMLS
• 2023-02-26 Sold (Public Records) $118,000 Public Records
• 2023-02-17 Sold (MLS) $118,000 realMLS
• 2022-12-17 Pending — realMLS
• 2022-12-09 Relisted — realMLS
• 2022-11-30 Pending — realMLS
• 2022-10-17 Listed $179,000 realMLS
• 2007-06-07 Sold (Public Records) $110,000 Public Records
• 2007-06-01 Listing Removed — realMLS
• 2007-05-31 Sold (MLS) $110,000 realMLS
• 2007-04-14 Listed $110,000 realMLS
• 1992-08-01 Sold (Public Records) $40,500 Public Records

Property tax history

+22.9%/yr

Latest (2025): $4,054 · +98.2% YoY. Source: county tax records.