1459 Helena St · Jacksonville, FL 32208

$130,000

4 bd · 2.0 ba · 1,536 sqft · SingleFamily public records · 1 Days on market

Built 1967 0.47 ac lot Est $183k · 29% under

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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 +23.8/30.0
• ARV discount +15.0/15.0
• DSCR +7.7/10.0
• 1% rule +6.7/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

GREAT FIXER UPPER; ON A HUGH LOT!!! INVESTOR OPPPORTUNITY; 4 BEDROOMS 2 FULL BATHS; SPLIT PLAN; LARGE PRIMARY BEDROOM; SEPERATE LIVING AND DINING ROOM; INSIDE LAUNDRY

Key facts

• 0.47 acre lot
• 2 parking spots
• Built 1967

Property features AI

Finance

• Other: Road frontage on a city street; Lot approximately 0.47 acres
• HOA & community: Not a senior community

Exterior

• Parking: 2-space carport; Additional parking available; Other parking features
• Security: Smoke detector(s)
• Utilities: Septic tank
• Home design: Single family residence; One level; Entry on level 1; Current use: Residential
• Construction: Aluminum siding, concrete, and stucco construction; Shingle roof; Guest house on property; Workshop on property
• Exterior features: Front porch; Smoke detector(s)

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fan(s); Split bedroom layout
• Laundry & utility: Washer hookup in unit; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $250 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Cap rate 8.6% 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 (-1.4%/yr); 291 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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).
• This rent runs 44% 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 $899 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $130,000

Questions for the listing agent

1. Built in 1967 — 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. 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.
5. 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.
6. 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: 1.17% ✓
• Cap rate: 8.60%
• Cash-on-cash: 8.24%
• DSCR: 1.37
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $182,784
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7604 Calvin St	0.59mi	4/2.0	1,536 (0%)	14mo	$165,000	$107	61
7840 Stephenson Dr	0.74mi	4/2.0	1,578 (+3%)	2mo	$259,900	$165	59
1204 N North Shore Dr	0.54mi	4/2.0	1,399 (-9%)	2mo	$145,000	$104	58
1677 Rowe Ave	0.26mi	4/2.0	1,316 (-14%)	7mo	$175,000	$133	58
7548 Epperson Ave	0.48mi	4/2.0	1,620 (+6%)	16mo	$225,000	$139	55
1613 Lessard Cir	0.61mi	3/2.0 (-1)	1,534 (-0%)	18mo	$216,000	$141	52
5837 Christobel Ave	0.34mi	3/1.0 (-1)	1,462 (-5%)	20mo	$91,500	$63	51
1044 Alderside St	0.54mi	3/2.0 (-1)	1,669 (+9%)	5mo	$125,000	$75	51
1256 Wainwright Ct	0.58mi	4/2.0	1,339 (-13%)	3mo	$160,000	$119	50
5741 Castellano Ave	0.56mi	4/2.0	1,320 (-14%)	4mo	$99,200	$75	47
7606 Pickett St	0.65mi	3/2.0 (-1)	1,665 (+8%)	18mo	$245,000	$147	36
1030 Ardoon St	0.74mi	3/1.0 (-1)	1,335 (-13%)	17mo	$140,000	$105	20

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: -7.3%
• Equity multiple: 0.74×
• Total profit: $-9,552
• Equity at exit: $19,383

10-year hold

• IRR: -2.3%
• Equity multiple: 0.87×
• Total profit: $-4,837
• Equity at exit: $11,240

Cash invested: $36,400 (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: 7.1×

Monthly cashflow live

• Estimated rent: $1,523 high
• Mortgage (P&I): −$682
• Tax from tax record: −$217 /mo · $2,609/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $250

Break-even live

Break-even rent $1,207

Max offer price $130,000

Occupancy floor 79%

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5903 Droad St Jacksonville, FL	3.0	1.0	1161	$1,400	$1.21	3d	1	0.30mi
5805 Christobel Ave Jacksonville, FL	4.0	2.0	1986	$1,800	$0.91	7d	1	0.33mi
1567 Rutledge Ave Jacksonville, FL	3.0	2.0	1050	$1,113	$1.06	23d	1	0.38mi
7345 Linda Dr Jacksonville, FL	5.0	2.0	1380	$1,650	$1.20	23d	1	0.52mi
6510 Avalon St Jacksonville, FL	4.0	2.0	1488	$1,425	$0.96	23d	1	0.62mi
920 Alderside St Jacksonville, FL	3.0	1.0	1255	$1,195	$0.95	4d	1	0.63mi
1750 Rutledge Ave Jacksonville, FL	3.0	2.0	1250	$1,358	$1.09	14d	1	0.64mi
7927 Reid Ave Jacksonville, FL	3.0	1.0	1055	$1,500	$1.42	23d	1	0.65mi
1010 Edgewood Ave W Jacksonville, FL	4.0	2.0	1450	$1,250	$0.86	14d	1	0.70mi
1010 Edgewood Ave W Jacksonville, FL	4.0	2.0	1450	$1,250	$0.86	23d	1	0.70mi
7762 Lake Park Dr Jacksonville, FL	4.0	2.0	2140	$1,451	$0.68	23d	1	0.70mi
1348 Crestwood St Jacksonville, FL	3.0	1.0	1300	$1,100	$0.85	23d	1	0.75mi
1834 Meharry Ave Jacksonville, FL	3.0	1.0	1291	$1,295	$1.00	4d	1	0.94mi
5352 Dodge Rd Jacksonville, FL	3.0	2.0	1050	$1,261	$1.20	23d	1	0.99mi
1823 W 44th St Jacksonville, FL	3.0	2.0	1066	$1,500	$1.41	23d	1	1.01mi
664 Escambia St Jacksonville, FL	3.0	2.0	1352	$1,500	$1.11	17d	1	1.03mi
646 Escambia St Jacksonville, FL	3.0	2.0	1200	$1,395	$1.16	21d	1	1.04mi
1021 Lake Forest Blvd Jacksonville, FL	3.0	1.0	1393	$1,290	$0.93	3d	1	1.10mi
472 W 65th St Jacksonville, FL	3.0	1.0	1312	$1,295	$0.99	21d	1	1.11mi
915 Wayne St Jacksonville, FL	4.0	2.0	1220	$1,313	$1.08	3d	1	1.13mi
8642 2nd Ave Jacksonville, FL	3.0	2.0	1074	$1,245	$1.16	1d	1	1.13mi
2151 Wilberforce Rd Jacksonville, FL	3.0	2.0	1166	$1,249	$1.07	23d	1	1.17mi
1867 W 41st St Jacksonville, FL	3.0	2.0	1218	$1,325	$1.09	17d	1	1.18mi
2069 Talladega Rd Jacksonville, FL	4.0	2.0	1152	$1,298	$1.13	4d	1	1.21mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	14d	1	1.23mi
5816 Paris Ave Jacksonville, FL	4.0	2.0	1701	$1,599	$0.94	23d	1	1.24mi
8721 4th Ave Jacksonville, FL	3.0	1.5	1344	$1,399	$1.04	23d	1	1.24mi
8726 Monroe Ave Jacksonville, FL	3.0	2.0	1920	$1,400	$0.73	14d	1	1.24mi
1490 W 33rd St Jacksonville, FL	4.0	1.5	1150	$1,150	$1.00	23d	1	1.26mi
562 W 49th St Jacksonville, FL	3.0	1.0	1091	$1,195	$1.10	23d	1	1.26mi
343 W 60th St Jacksonville, FL	3.0	1.0	1238	$1,299	$1.05	21d	1	1.26mi
2108 Talladega Rd Jacksonville, FL	3.0	2.0	1160	$1,579	$1.36	4d	1	1.27mi
2818 Palmdale St Jacksonville, FL	4.0	2.5	1484	$1,900	$1.28	23d	1	1.28mi
346 W 68th St Jacksonville, FL	3.0	1.0	1114	$1,385	$1.24	4d	1	1.31mi
1407 W 31st St Jacksonville, FL	3.0	3.5	1140	$1,550	$1.36	23d	1	1.32mi
425 W 47th St Jacksonville, FL	3.0	1.5	1083	$1,193	$1.10	7d	1	1.34mi
1587 W 30th St Jacksonville, FL	3.0	1.0	1363	$1,450	$1.06	14d	1	1.39mi
8918 1st Ave Jacksonville, FL	3.0	2.0	1435	$1,321	$0.92	16d	1	1.45mi
1530 W 29th St Jacksonville, FL	3.0	2.0	1164	$1,385	$1.19	23d	1	1.45mi
8910 Adams Ave Jacksonville, FL	4.0	2.0	1250	$1,225	$0.98	3d	1	1.46mi

Listing history 2 events

1. 2026-05-15
   status Pending
2. 2026-05-13
   listed $130,000 Active

ⓘ 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: $2,609 · $217/mo
• Projected year-2 tax: $2,609 · $217/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 2/10 Low
• 🌡 Heat 9/10 Extreme 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 4/10 Moderate 6 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,278
• − Mortgage interest: −$7,282
• − Property taxes: −$2,609
• − Insurance: −$650
• − Repairs & maintenance: −$1,462
• − Management: −$1,462
• − Depreciation: −$3,782
• Taxable income: $1,031
• Est. tax owed @ 24.0%: −$247
• After-tax cash flow: $2,752/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

2 events — show timeline

• 2026-05-15 Pending — realMLS
• 2026-05-13 Listed $130,000 realMLS

Property tax history

+25.7%/yr

Latest (2025): $2,609 · +17.7% YoY. Source: county tax records.