5454 Timuquana Rd · Jacksonville, FL 32210

$137,500

2 bd · 2.0 ba · 1,057 sqft · SingleFamily public records · 116 Days on market

Built 1949 10,454 sqft lot Est $175k · 22% under

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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 +20.0/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +4.8/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Income-producing and turn-key investment opportunity in a prime Timuquana Road location. This tenant-occupied property offers immediate cash flow, making it an ideal addition to any rental portfolio. Cross listed MLS 2130077 Zoned Commercial Neighborhood (CN), the property provides flexibility for a variety of residential and limited commercial uses (buyer to verify), enhancing both current income stability and long-term upside potential. Some interior photos have been virtually staged to showcase the home's potential scale and layout. Positioned along a high-visibility corridor with strong traffic counts and convenient access to major roadways, shopping, and established neighborhoods. The

Key facts

• Tenant occupied
• Turn key investment
• Income producing

Tags

• INCOME PRODUCING
• TURN KEY INVESTMENT
• PRIME LOCATION
• TENANT OCCUPIED
• CASH FLOW
• ZONED COMMERCIAL NEIGHBORHOOD

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Additional parking
• Utilities: Public sewer; Sewer connected; Water connected
• Home design: Single family residence; One story; Property used for both residential and commercial purposes
• Construction: Block construction; Metal roof
• Exterior features: Wood fencing; Corner lot; City street frontage

Interior

• Kitchen: Electric range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate; Tile
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Carpet, laminate and tile flooring

🏷️ Possibly a rental listed for sale. The $137,500 price doesn't fit this home's estimated sale value (~$175,462) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $138k.

Deal economics

• At list price, monthly cash flow is $170 ($2k/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 $135k (1.7% below list).
• Recommended offer: $125k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 3.9% 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: Timucuan Elementary School (math 34% / reading 22%, grade F, #1,951 of 2,144 statewide, top 91%, 491 students, 77% FRL); Joseph Stilwell Middle School (math 31% / reading 33%, grade F, #448 of 571 statewide, top 79%, 612 students, 68% FRL); Westside High School (math 26% / reading 19%, grade F, #539 of 667 statewide, top 81%, 1,583 students, 63% FRL) — zoned schools average 70% FRL vs 49% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 28% at this address vs 46% district-wide (-18 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+2.1%/yr); 441 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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 $951 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 116 days — a 9% lower offer ($125k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $65k; list at $138k implies a 112% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: 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 $125,125 (9.0% below list)

Questions for the listing agent

1. It's been on market 116 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1949 — 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. 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: 0.98% ✗
• Cap rate: 7.77%
• Cash-on-cash: 5.28%
• DSCR: 1.24
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $175,462
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5257 Acoma Ave	0.26mi	3/2.0 (+1)	1,104 (+4%)	5mo	$218,000	$197	71
5105 Seaboard Ave	0.51mi	3/1.5 (+1)	1,104 (+4%)	0mo	$165,000	$149	62
5831 Carter Ln	0.40mi	3/1.0 (+1)	1,000 (-5%)	4mo	$158,000	$158	60
5163 Seaboard Ave	0.46mi	3/2.0 (+1)	1,144 (+8%)	3mo	$227,000	$198	58
5216 Timawatha Ave	0.37mi	3/1.5 (+1)	1,203 (+14%)	4mo	$199,990	$166	50
6148 Catoma St	0.62mi	3/2.0 (+1)	1,158 (+10%)	4mo	$260,000	$225	47
5174 Acre Estates Dr	0.46mi	3/2.0 (+1)	1,180 (+12%)	13mo	$260,000	$220	44
5126 Delphin Ln	0.57mi	3/1.0 (+1)	1,123 (+6%)	15mo	$180,000	$160	42
4815 Seaboard Ave	0.64mi	2/1.5	936 (-11%)	12mo	$140,000	$150	39
5819 110th St	0.70mi	3/1.0 (+1)	1,150 (+9%)	7mo	$175,000	$152	38
5156 Corsair Ave	0.75mi	3/2.0 (+1)	1,155 (+9%)	9mo	$210,000	$182	37
5176 110th St	0.64mi	3/1.0 (+1)	1,181 (+12%)	12mo	$177,000	$150	31

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 · 2.11% rent growth · sell at horizon

5-year hold

• IRR: -9.1%
• Equity multiple: 0.67×
• Total profit: $-12,697
• Equity at exit: $20,502

10-year hold

• IRR: -0.8%
• Equity multiple: 0.95×
• Total profit: $-2,038
• Equity at exit: $11,888

Cash invested: $38,500 (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 32210

• Rents YoY: 2.1%
• Active inventory: 441
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,352 high
• Mortgage (P&I): −$721
• Tax from tax record: −$120 /mo · $1,440/yr
• Insurance: −$57
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $170

Break-even live

Break-even rent $1,137

Max offer price $137,500

Occupancy floor 82%

Sensitivity live

Price	-10% $247	-5% $208	+0% $170	+5% $131	+10% $92
Rent	-10% $63	-5% $116	+0% $170	+5% $223	+10% $276
Rate	-1.0pp $239	-0.5pp $204	base $170	+0.5pp $134	+1.0pp $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: $34,375
• Closing costs: $4,125
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5685 Marathon Pkwy Jacksonville, FL	2.0	2.0	1015	$1,000	$0.99	21d	1	0.20mi
5327 Timuquana Rd Jacksonville, FL	1.0–3.0	1.0–2.0	950	$1,249	$1.31	3d	27	0.31mi
5558 Bennington Dr Jacksonville, FL	2.0	2.0	988	$1,275	$1.29	6d	1	0.31mi
5626 Bryner Dr Jacksonville, FL	2.0	3.0	1404	$1,320	$0.94	23d	1	0.38mi
5058 Acre Estates Dr W Jacksonville, FL	3.0	2.0	1402	$1,825	$1.30	4d	1	0.39mi
5640 Bryner Dr Jacksonville, FL	2.0	2.0	1000	$1,260	$1.26	25d	1	0.40mi
5642 Bryner Dr Jacksonville, FL	2.0	1.5	1406	$1,290	$0.92	23d	1	0.40mi
5700 Fishing Pen Creek Ct Jacksonville, FL	2.0	1.0	854	$1,100	$1.29	4d	8	0.43mi
4800 Ortega Farms Blvd Jacksonville, FL	1.0–3.0	1.0	880	$1,218	$1.38	4d	10	0.56mi
4800 Ortega Farms Blvd Jacksonville, FL	1.0–3.0	1.0	880	$1,232	$1.40	12d	9	0.56mi
5375 Ortega Farms Blvd #715 Jacksonville, FL	2.0	2.0	1016	$1,700	$1.67	25d	1	0.67mi
5958 Creekside Crossing Dr Jacksonville, FL	3.0	2.5	1404	$1,895	$1.35	12d	1	0.80mi
5988 Creekside Crossing Dr Jacksonville, FL	3.0	2.5	1404	$1,850	$1.32	16d	1	0.81mi
5984 Creekside Crossing Dr Jacksonville, FL	3.0	2.5	1404	$1,695	$1.21	16d	1	0.81mi
6221 Alfredo Dr W Jacksonville, FL	3.0	2.0	1133	$1,710	$1.51	5d	1	0.91mi
5984 Windsor Forest Dr Jacksonville, FL	2.0	1.5	900	$1,174	$1.30	23d	2	0.95mi
5985 Windsor Forest Dr Unit 23 Jacksonville, FL	2.0	1.5	900	$999	$1.11	23d	1	0.96mi
5985 Windsor Forest Dr Jacksonville, FL	2.0	1.5	900	$1,099	$1.22	9d	1	0.96mi
5985 Windsor Forest Dr Unit 15 Jacksonville, FL	2.0	1.5	900	$999	$1.11	9d	1	0.96mi
4343 Ortega Farms Cir Unit A Jacksonville, FL	2.0	1.0	800	$1,950	$2.44	25d	1	1.03mi
4455 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1045	$1,339	$1.28	3d	19	1.04mi
5983 Ortega Lake Dr Unit 1 Jacksonville, FL	3.0	2.5	1400	$1,950	$1.39	25d	1	1.13mi
4375 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1125	$1,288	$1.14	4d	22	1.16mi
6136 Blanding Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1030	$1,752	$1.70	3d	9	1.22mi
4301 Confederate Point Rd Jacksonville, FL	3.0	1.0–2.0	1042	$1,412	$1.36	4d	39	1.29mi
5745 Antoinette Ln Jacksonville, FL	2.0	1.0	1200	$1,150	$0.96	4d	1	1.33mi
5747 Antoinette Ln Jacksonville, FL	2.0	1.0	1200	$1,195	$1.00	25d	1	1.33mi
4804 Ducheneau Dr Unit 26 Jacksonville, FL	3.0	2.0	1182	$1,635	$1.38	25d	1	1.36mi
6379 Delacy Rd Jacksonville, FL	3.0	1.0	1296	$1,495	$1.15	25d	1	1.36mi
6528 Sweetbay Ln Jacksonville, FL	2.0	2.0	1040	$1,150	$1.11	25d	1	1.41mi
6408 Sweetbay Ln Jacksonville, FL	2.0	2.0	951	$1,225	$1.29	18d	1	1.42mi
6534 Sweetbay Ln Jacksonville, FL	2.0	2.0	951	$1,225	$1.29	25d	1	1.42mi
6522 Sweetbay Ln Jacksonville, FL	2.0	2.0	951	$1,195	$1.26	25d	1	1.42mi
6063 Maggies Cir #110 Jacksonville, FL	3.0	2.0	1335	$1,350	$1.01	6d	1	1.42mi
6063 Maggies Cir Jacksonville, FL	2.0–3.0	2.0	1121	$1,300	$1.16	18d	2	1.42mi
5933 Jammes Rd Jacksonville, FL	3.0	3.0	1071	$1,900	$1.77	25d	1	1.43mi
6051 Maggies Cir #107 Jacksonville, FL	3.0	2.0	1335	$1,400	$1.05	23d	1	1.43mi
6547 Sweetbay Ln Unit 102 Jacksonville, FL	2.0	2.0	1040	$1,195	$1.15	6d	1	1.45mi
6461 Sweetbay Ln Jacksonville, FL	2.0	2.0	995	$1,295	$1.30	18d	4	1.48mi
6112 Maggies Cir #108 Jacksonville, FL	3.0	2.0	1335	$1,375	$1.03	25d	1	1.48mi

Listing history 14 events

1. 2026-06-10
   days on market $137,500 Active 116 DOM
2. 2026-06-08
   days on market $137,500 Active 115 DOM
3. 2026-06-07
   days on market $137,500 Active 114 DOM
4. 2026-06-03
   days on market $137,500 Active 110 DOM
5. 2026-06-02
   days on market $137,500 Active 109 DOM
6. 2026-06-01
   days on market $137,500 Active 108 DOM
7. 2026-05-31
   days on market $137,500 Active 107 DOM
8. 2026-04-21
   price $137,500
9. 2026-04-07
   price $140,000
10. 2026-03-14
    price $145,000
11. 2026-03-03
    price $150,000
12. 2026-02-24
    price $155,000
13. 2026-02-13
    listed $159,000 Active
14. 2021-07-06
    soldstatus $65,000

ⓘ 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: $1,440 · $120/mo
• Projected year-2 tax: $1,440 · $120/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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $16,221
• − Mortgage interest: −$7,702
• − Property taxes: −$1,440
• − Insurance: −$688
• − Repairs & maintenance: −$1,298
• − Management: −$1,298
• − Depreciation: −$4,000
• Taxable loss: −$204
• Est. tax savings @ 24.0%: +$49
• After-tax cash flow: $2,083/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): 65,729
• Household income: $61,050
• Rent vs Own: 42.6% rent · 57.4% own
• Severe rent burden: 3605.0

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 0.65)
• Race & ethnicity: White 43% Black 38% Hispanic / Latino 10% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3%
• Common ancestry: Slovak 2% Hispanic 2% Italian 1%
• Foreign-born: 10% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 7% French/Haitian/Cajun 2% 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: ▼ -314.81%
• Current HPI: 281.2688
• Rent YoY: ▲ 2.11%
• 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

+111.5% since first listed

7 events — show timeline

• 2026-04-21 Price Changed $137,500 realMLS
• 2026-04-07 Price Changed $140,000 realMLS
• 2026-03-14 Price Changed $145,000 realMLS
• 2026-03-03 Price Changed $150,000 realMLS
• 2026-02-24 Price Changed $155,000 realMLS
• 2026-02-13 Listed $159,000 realMLS
• 2021-07-06 Sold (Public Records) $65,000 Public Records

Property tax history

+0.5%/yr

Latest (2025): $1,440 · +13.1% YoY. Source: county tax records.