7614 Club Duclay Dr · Jacksonville, FL 32244

$100,000

3 bd · 2.0 ba · 1,080 sqft · Manufactured public records · 50 Days on market

Built 1977 6,098 sqft lot Est $73k · 36% over

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Why this score? — see what drove the C+ 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
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Adorable home is 3 BR -105 bath, stainless steel refrigeraotr, gas stove, microwave and dishwasher. Yard is fenced in fromt and back. Cash only. Central Air and heat and gas.

Key facts

• Yard fenced
• Appliances stay
• Gas stove

Tags

• APPLIANCES STAY
• STAINLESS FRIDGE
• GAS STOVE
• YARD FENCED

Property features AI

Exterior

• Parking: 2-space carport
• Utilities: Public sewer; Electricity connected; Natural gas available; Sewer connected
• Home design: Manufactured home (mobile home)
• Exterior features: Lot size approximately 0.14 acres; No private pool

Interior

• Kitchen: Dishwasher; Gas Range
• Bedrooms: 3 bedrooms
• Flooring: Laminate
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Dishwasher; Gas Range

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $100k.

Deal economics

• At list price, monthly cash flow is $552 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.
• Cap rate 12.9% 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); 349 active listings in the ZIP; 36 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).
• 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 $691 of loan paydown is wiped out by about $3k 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 $28k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 15 sale attempts since 11y ago; this cycle's ask has dropped $20k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $64k; list at $100k implies a 56% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price.
• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $97,000 (3.0% below list)

Questions for the listing agent

1. It's been on market 50 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 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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.
7. 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.
8. 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: 1.68% ✓
• Cap rate: 12.91%
• Cash-on-cash: 23.64%
• DSCR: 2.05
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $73,440
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7611 McCowan Dr	0.08mi	3/2.0	1,196 (+11%)	14mo	$80,000	$67	67
5826 Jason Dr	0.09mi	3/2.0	1,152 (+7%)	22mo	$170,000	$148	66
5931 Longchamp Dr	0.08mi	2/2.0 (-1)	951 (-12%)	10mo	$65,000	$68	63

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 · 2.25% rent growth · sell at horizon

5-year hold

• IRR: 15.9%
• Equity multiple: 1.63×
• Total profit: $17,749
• Equity at exit: $14,910

10-year hold

• IRR: 24.0%
• Equity multiple: 3.00×
• Total profit: $55,922
• Equity at exit: $8,646

Cash invested: $28,000 (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: 349
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,684 high
• Mortgage (P&I): −$524
• Tax from tax record: −$212 /mo · $2,547/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$354
• Net cashflow: $552

Break-even live

Break-even rent $985

Max offer price $100,000

Occupancy floor 62%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6024 Du Clay Rd Jacksonville, FL	2.0	2.5	1278	$1,400	$1.10	1d	1	0.32mi
6028 Du Clay Rd Jacksonville, FL	2.0	3.0	1308	$1,500	$1.15	23d	1	0.32mi
7350 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	872	$1,637	$1.88	2d	23	0.38mi
7610 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	880	$1,300	$1.48	14d	1	0.45mi
7557 Cliff Cottage Dr Jacksonville, FL	3.0	2.0	1480	$1,875	$1.27	23d	1	0.45mi
5900 Townsend Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1177	$1,699	$1.44	2d	12	0.51mi
6371 Collins Rd Jacksonville, FL	3.0	1.0–2.0	1010	$1,981	$1.96	1d	40	0.73mi
6880 Skaff Ave Jacksonville, FL	2.0	2.0	940	$1,285	$1.37	23d	1	0.73mi
6985 Ortega Woods Dr Unit 8 Jacksonville, FL	3.0	2.0	1157	$1,350	$1.17	2d	1	0.77mi
6915 Ortega Woods Dr Unit 11 Jacksonville, FL	2.0	2.0	940	$1,150	$1.22	20d	1	0.77mi
8218 Halls Hammock Ct Jacksonville, FL	3.0	2.5	1364	$1,650	$1.21	23d	1	0.83mi
8224 Halls Hammock Ct Jacksonville, FL	3.0	2.5	1364	$1,750	$1.28	23d	1	0.84mi
7565 Westland Oaks Dr Jacksonville, FL	3.0	2.0	1317	$2,000	$1.52	14d	1	0.93mi
6500 Lake Gray Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	972	$1,819	$1.87	1d	9	0.96mi
8155 Pineverde Ln Jacksonville, FL	3.0	2.0	1426	$1,985	$1.39	16d	1	0.98mi
5620 Collins Rd Jacksonville, FL	1.0–3.0	1.0–2.0	936	$1,150	$1.23	17d	1	0.99mi
8326 Windypine Ln Jacksonville, FL	2.0	2.0	1225	$1,325	$1.08	23d	1	1.01mi
7052 Jammes Rd Jacksonville, FL	3.0	2.0	990	$1,910	$1.93	23d	1	1.05mi
8271 Pineverde Ln Jacksonville, FL	2.0	2.0	1182	$1,496	$1.27	4d	1	1.06mi
7740 Plantation Bay Dr Jacksonville, FL	1.0–3.0	1.0–2.0	927	$1,776	$1.92	2d	17	1.14mi
5524 Greatpine Ln N Jacksonville, FL	3.0	2.0	1450	$1,500	$1.03	16d	1	1.22mi
5539 Pinebay Cir N Jacksonville, FL	2.0	2.0	1210	$1,350	$1.12	19d	1	1.22mi
8064 Honeysuckle Ln Jacksonville, FL	3.0	2.0	1279	$1,955	$1.53	1d	1	1.27mi
8500 Argyle Business Loop Jacksonville, FL	1.0–3.0	1.0–2.0	921	$1,475	$1.60	23d	1	1.29mi
5260 Collins Rd Jacksonville, FL	3.0	2.5	1443	$1,575	$1.09	14d	2	1.29mi
5557 Greatpine Ln S Jacksonville, FL	2.0	2.0	1210	$1,495	$1.24	21d	1	1.29mi
5553 Greatpine Ln S Jacksonville, FL	2.0	2.0	1210	$1,495	$1.24	13d	1	1.30mi
5258 Collins Preserve Ln Jacksonville, FL	1.0–3.0	1.0–2.0	1002	$2,129	$2.12	3d	49	1.34mi
8550 Argyle Business Loop Jacksonville, FL	3.0	2.5	1486	$1,675	$1.13	13d	1	1.42mi
8550 Argyle Business Loop Jacksonville, FL	3.0	2.5	1486	$1,735	$1.17	16d	3	1.43mi
8550 Argyle Business Loop Jacksonville, FL	2.0–3.0	2.5–3.0	1331	$1,675	$1.26	2d	2	1.43mi
6105 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,445	$1.29	17d	2	1.48mi
6105 Maggies Cir #115 Jacksonville, FL	3.0	2.0	1335	$1,425	$1.07	1d	1	1.48mi
8550 Sturbridge Cir W Jacksonville, FL	2.0	1.5	1206	$1,500	$1.24	7d	1	1.48mi
8562 Sturbridge Cir W Jacksonville, FL	2.0	2.5	1408	$1,620	$1.15	4d	1	1.49mi
8529 Sturbridge Cir W Jacksonville, FL	2.0	2.5	1264	$1,550	$1.23	23d	1	1.49mi

Listing history 50 events

1. 2026-06-18
   days on market $100,000 Active 50 DOM
2. 2026-06-17
   days on market $100,000 Active 49 DOM
3. 2026-06-16
   days on market $100,000 Active 48 DOM
4. 2026-06-15
   pricedays on market $100,000 Active 47 DOM
5. 2026-06-13
   days on market $110,000 Active 44 DOM
6. 2026-06-10
   days on market $110,000 Active 41 DOM
7. 2026-06-08
   days on market $110,000 Active 40 DOM
8. 2026-06-07
   days on market $110,000 Active 39 DOM
9. 2026-06-05
   days on market $110,000 Active 36 DOM
10. 2026-06-03
    days on market $110,000 Active 35 DOM
11. 2026-06-02
    days on market $110,000 Active 34 DOM
12. 2026-06-01
    days on market $110,000 Active 33 DOM
13. 2026-05-31
    pricedays on market $110,000 Active 32 DOM
14. 2026-05-08
    status Active
15. 2026-05-04
    status Pending
16. 2026-04-25
    listed $120,000 Active
17. 2025-02-13
    status Active 177-char remark

    Show marketing remark (177 chars)

    Adorable home is 3 BR -105 bath, stainless steel refrigeraotr, gas stove, microwave and dishwasher. Yard is fenced in fromt and back. Cash only. Central Air and heat and gas.

18. 2025-02-11
    status Pending 177-char remark

    Show marketing remark (177 chars)

    Adorable home is 3 BR -105 bath, stainless steel refrigeraotr, gas stove, microwave and dishwasher. Yard is fenced in fromt and back. Cash only. Central Air and heat and gas.

19. 2025-02-11
    historical 177-char remark

    Show marketing remark (177 chars)

    Adorable home is 3 BR -105 bath, stainless steel refrigeraotr, gas stove, microwave and dishwasher. Yard is fenced in fromt and back. Cash only. Central Air and heat and gas.

20. 2025-02-04
    listed $100,000 Active 177-char remark

    Show marketing remark (177 chars)

    Adorable home is 3 BR -105 bath, stainless steel refrigeraotr, gas stove, microwave and dishwasher. Yard is fenced in fromt and back. Cash only. Central Air and heat and gas.

21. 2024-03-06
    status Active 158-char remark

    Show marketing remark (158 chars)

    This adorable home is 3 bedroom , 1.5 bathroom, stainless steel refrigerator, gas stove, microwave and dishwasher. Yard is fenced in front and back. Cash ONLY

22. 2024-02-20
    status Pending 158-char remark

    Show marketing remark (158 chars)

    This adorable home is 3 bedroom , 1.5 bathroom, stainless steel refrigerator, gas stove, microwave and dishwasher. Yard is fenced in front and back. Cash ONLY

23. 2024-02-20
    historical 158-char remark

    Show marketing remark (158 chars)

    This adorable home is 3 bedroom , 1.5 bathroom, stainless steel refrigerator, gas stove, microwave and dishwasher. Yard is fenced in front and back. Cash ONLY

24. 2024-02-12
    listed $139,000 Active 158-char remark

    Show marketing remark (158 chars)

    This adorable home is 3 bedroom , 1.5 bathroom, stainless steel refrigerator, gas stove, microwave and dishwasher. Yard is fenced in front and back. Cash ONLY

25. 2023-11-13
    historical
26. 2023-10-19
    price $165,000
27. 2023-07-10
    listed $175,000 Active
28. 2022-12-31
    historical
29. 2022-09-30
    price $165,000
30. 2022-09-20
    price $200,000
31. 2022-07-21
    listed $160,000 Active
32. 2022-01-11
    status Pending
33. 2022-01-11
    historical
34. 2021-11-10
    listed $160,000 Active
35. 2016-08-08
    soldstatus $63,900
36. 2016-08-02
    soldstatus $63,900 Sold
37. 2016-07-29
    status Pending
38. 2016-07-20
    historical Active - Contingent
39. 2016-07-01
    status Active
40. 2016-07-01
    historical Active - Contingent
41. 2016-07-01
    status Active
42. 2016-06-25
    historical Active - Contingent
43. 2016-06-19
    status Active
44. 2016-04-24
    historical
45. 2016-04-06
    historical Active - Contingent
46. 2015-09-16
    price $78,900
47. 2015-09-16
    price $89,000
48. 2015-09-16
    price $85,900
49. 2015-09-16
    price $69,900
50. 2015-09-16
    price $73,900

ⓘ 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: $2,547 · $212/mo
• Projected year-2 tax: $2,547 · $212/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 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 21 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: $20,203
• − Mortgage interest: −$5,602
• − Property taxes: −$2,547
• − Insurance: −$500
• − Repairs & maintenance: −$1,616
• − Management: −$1,616
• − Depreciation: −$2,909
• Taxable income: $5,412
• Est. tax owed @ 24.0%: −$1,299
• After-tax cash flow: $5,321/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

Price history

+400.0% since first listed

46 events — show timeline

• 2026-05-08 Relisted — realMLS
• 2026-05-04 Pending — realMLS
• 2026-04-25 Listed $120,000 realMLS
• 2025-02-13 Relisted — realMLS
• 2025-02-11 Pending — realMLS
• 2025-02-11 Listing Removed — realMLS
• 2025-02-04 Listed $100,000 realMLS
• 2024-03-06 Relisted — realMLS
• 2024-02-20 Pending — realMLS
• 2024-02-20 Listing Removed — realMLS
• 2024-02-12 Listed $139,000 realMLS
• 2023-11-13 Listing Removed — realMLS
• 2023-10-19 Price Changed $165,000 realMLS
• 2023-07-10 Listed $175,000 realMLS
• 2022-12-31 Listing Removed — realMLS
• 2022-09-30 Price Changed $165,000 realMLS
• 2022-09-20 Price Changed $200,000 realMLS
• 2022-07-21 Listed $160,000 realMLS
• 2022-01-11 Pending — realMLS
• 2022-01-11 Listing Removed — realMLS
• 2021-11-10 Listed $160,000 realMLS
• 2016-08-08 Sold (Public Records) $63,900 Public Records
• 2016-08-02 Sold (MLS) $63,900 realMLS
• 2016-07-29 Pending — realMLS
• 2016-07-20 Contingent — realMLS
• 2016-07-01 Relisted — realMLS
• 2016-07-01 Contingent — realMLS
• 2016-07-01 Relisted — realMLS
• 2016-06-25 Contingent — realMLS
• 2016-06-19 Relisted — realMLS
• 2016-04-24 Listing Removed — realMLS
• 2016-04-06 Contingent — realMLS
• 2015-09-16 Price Changed $80,900 realMLS
• 2015-09-16 Price Changed $73,900 realMLS
• 2015-09-16 Price Changed $69,900 realMLS
• 2015-09-16 Price Changed $85,900 realMLS
• 2015-09-16 Price Changed $89,000 realMLS
• 2015-09-16 Price Changed $78,900 realMLS
• 2015-09-16 Relisted — realMLS
• 2015-09-11 Pending — realMLS
• 2015-07-24 Listed $109,000 realMLS
• 2015-07-24 Price Changed $94,500 realMLS
• 2015-03-25 Listing Removed — realMLS
• 2015-02-13 Listed $39,000 realMLS
• 1990-08-01 Sold (Public Records) $31,900 Public Records
• 1980-10-01 Sold (Public Records) $24,000 Public Records

Property tax history

+11.9%/yr

Latest (2025): $2,547 · +13.5% YoY. Source: county tax records.