2239 W 17th St · Jacksonville, FL 32209

$95,000

2 bd · 1.0 ba · 1,008 sqft · SingleFamily public records · 100 Days on market

Built 1962 4,791 sqft lot Est $111k · 14% under ↓ 10% since listing

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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 +26.4/30.0
• ARV discount +13.9/15.0
• DSCR +9.0/10.0
• 1% rule +7.1/10.0
• 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

Priced to sell! Great investment opportunity or perfect as a starter home. With some TLC, this concrete block 2-bedroom, 1 flex room with 1 full bathroom home can be your haven. Coner lot, fully fenced, big backyard and offers quick access to major highways. Good-sized bedrooms with ample closet space. This home ia an ideal choice for those seeking a sturdy and well-located property. Don't miss out on this great opportunity in East Grand Park! Schedule your showing now!

Key facts

• Big backyard
• Fully fenced
• Ample closet space

Tags

• CORNER LOT
• FULLY FENCED
• BIG BACKYARD
• QUICK ACCESS TO MAJOR HIGHWAYS
• AMPLE CLOSET SPACE

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Other parking
• Security: Smoke detector(s)
• Utilities: Electricity connected; Water connected
• Home design: Single-family home; One story
• Construction: Block construction
• Exterior features: Full fencing; Additional fencing; Corner lot; City street frontage; Shingle roof

Interior

• Kitchen: Electric oven
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Split bedroom layout; Smoke detectors
• Laundry & utility: In-unit laundry

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $248 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $86k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.4% 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 rising (+1.8%/yr); 394 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).
• At $1,154/mo this rent would consume 45% of the median local household income ($31k/yr) (locally 2921% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 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.

Negotiation context

• It's been on market 100 days — a 9% lower offer ($86k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $10k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• 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 $86,450 (9.0% below list)

Questions for the listing agent

1. It's been on market 100 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 1962 — 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: 1.21% ✓
• Cap rate: 9.43%
• Cash-on-cash: 11.19%
• DSCR: 1.50
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $110,880
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2208 W 17th St	0.06mi	3/1.0 (+1)	924 (-8%)	4mo	$80,000	$87	75
2706 Palafox St	0.33mi	3/1.0 (+1)	1,040 (+3%)	5mo	$141,500	$136	70
2173 W 14th St	0.17mi	3/1.5 (+1)	936 (-7%)	4mo	$111,500	$119	70
1901 Pullman Ct	0.61mi	2/1.0	969 (-4%)	0mo	$98,000	$101	65
2229 W 12th St	0.23mi	3/2.0 (+1)	1,100 (+9%)	1mo	$135,000	$123	64
1924 McMillan St	0.53mi	2/2.5	1,022 (+1%)	4mo	$209,020	$205	64
3424 Gladys St	0.37mi	3/1.0 (+1)	1,091 (+8%)	3mo	$98,000	$90	62
3430 Gladys St	0.38mi	3/1.0 (+1)	923 (-8%)	5mo	$62,500	$68	59
3838 Penton St	0.56mi	3/1.0 (+1)	950 (-6%)	1mo	$110,000	$116	58
2009 Almeda St	0.37mi	3/1.0 (+1)	889 (-12%)	2mo	$43,000	$48	57
2419 W 28 St	0.54mi	3/1.0 (+1)	1,136 (+13%)	4mo	$125,000	$110	45
3631 Effee St	0.71mi	3/2.0 (+1)	1,120 (+11%)	1mo	$74,000	$66	38

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 · 1.81% rent growth · sell at horizon

5-year hold

• IRR: -0.9%
• Equity multiple: 0.96×
• Total profit: $-936
• Equity at exit: $14,165

10-year hold

• IRR: 7.4%
• Equity multiple: 1.53×
• Total profit: $14,150
• Equity at exit: $8,214

Cash invested: $26,600 (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 32209

• Home prices YoY: -22.1%
• Rents YoY: 1.8%
• Active inventory: 394
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,154 high
• Mortgage (P&I): −$498
• Tax from tax record: −$126 /mo · $1,507/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$242
• Net cashflow: $248

Break-even live

Break-even rent $840

Max offer price $95,000

Occupancy floor 74%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2138 W 17th St Jacksonville, FL	3.0	1.0	1158	$1,425	$1.23	4d	1	0.15mi
2319 Almeda St Jacksonville, FL	3.0	1.0	1200	$1,078	$0.90	1d	1	0.16mi
2169 W 14th St Jacksonville, FL	3.0	1.0	972	$1,200	$1.23	3d	1	0.16mi
2344 W 18th St Jacksonville, FL	3.0	1.5	1129	$1,425	$1.26	14d	1	0.19mi
2345 W 15th St Jacksonville, FL	3.0	2.0	1112	$1,400	$1.26	23d	1	0.20mi
2040 W 15th St Jacksonville, FL	2.0	1.0	1036	$1,050	$1.01	23d	1	0.34mi
2134 Danson St Jacksonville, FL	3.0	1.5	1080	$995	$0.92	3d	1	0.34mi
2134 Danson St Jacksonville, FL	3.0	1.5	1080	$995	$0.92	4d	1	0.34mi
2604 McMillan St Jacksonville, FL	3.0	1.0	912	$1,100	$1.21	21d	1	0.38mi
2100 Palafox St Jacksonville, FL	2.0	1.0	750	$975	$1.30	23d	1	0.41mi
2000 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	23d	1	0.42mi
2020 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	23d	1	0.42mi
2002 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	21d	2	0.43mi
2004 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	21d	1	0.43mi
3516 Penton St Jacksonville, FL	3.0	1.0	1000	$1,350	$1.35	23d	1	0.45mi
2116 McMillan St Jacksonville, FL	3.0	1.5	1120	$1,425	$1.27	21d	1	0.46mi
2016 McMillan St Jacksonville, FL	2.0	1.0	812	$650	$0.80	23d	1	0.49mi
2012 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	20d	1	0.51mi
2008 Palafox St Jacksonville, FL	2.0	1.0	750	$950	$1.27	21d	1	0.51mi
2210 Pullman Ave Jacksonville, FL	3.0	1.0	940	$1,050	$1.12	3d	1	0.53mi
1971 W 22nd St Jacksonville, FL	3.0	1.0	1094	$1,095	$1.00	7d	1	0.54mi
1968 W 23rd St Unit Main Jacksonville, FL	3.0	2.0	1106	$1,400	$1.27	21d	1	0.55mi
2540 W 25th St Jacksonville, FL	3.0	1.5	854	$1,295	$1.52	14d	1	0.58mi
1901 Pullman Ct Jacksonville, FL	2.0	1.0	969	$1,295	$1.34	7d	1	0.59mi
1721 Campus St Jacksonville, FL	3.0	2.0	909	$1,400	$1.54	23d	1	0.63mi
1733 McMillan St Jacksonville, FL	3.0	2.0	1211	$1,265	$1.04	4d	1	0.63mi
1845 W 13th St Unit 1 Jacksonville, FL	2.0	1.0	800	$850	$1.06	23d	1	0.66mi
1934 Ella St Jacksonville, FL	3.0	1.0	1045	$1,095	$1.05	20d	1	0.67mi
2312 Fairfax St Jacksonville, FL	3.0	1.0	726	$650	$0.90	17d	1	0.71mi
1776 Spires Ave Unit 2 Jacksonville, FL	2.0	1.0	800	$1,125	$1.41	4d	1	0.71mi
2306 Fairfax St Unit 3 Jacksonville, FL	2.0	1.0	700	$650	$0.93	23d	1	0.71mi
2306 Fairfax St Unit 1 Jacksonville, FL	3.0	1.0	900	$700	$0.78	23d	1	0.71mi
2310 Fairfax St Jacksonville, FL	2.0	1.0	726	$600	$0.83	23d	1	0.71mi
1842 W 26th St Jacksonville, FL	3.0	2.0	933	$1,200	$1.29	23d	1	0.74mi
1730 W 19th St Jacksonville, FL	3.0	2.0	1323	$1,100	$0.83	1d	1	0.75mi
1830 W 27th St Jacksonville, FL	3.0	2.0	952	$1,375	$1.44	23d	1	0.78mi
2011 W 5th St Jacksonville, FL	3.0	1.0	988	$1,150	$1.16	23d	1	0.78mi
2693 W 25th St Jacksonville, FL	3.0	1.5	1300	$1,450	$1.12	23d	1	0.80mi
1712 W 23rd St Jacksonville, FL	3.0	2.0	1200	$1,275	$1.06	23d	1	0.81mi
1934 W 6th St Jacksonville, FL	3.0	1.0	948	$1,125	$1.19	23d	1	0.82mi

Listing history 18 events

1. 2026-06-18
   days on market $95,000 Active 100 DOM
2. 2026-06-17
   days on market $95,000 Active 99 DOM
3. 2026-06-16
   days on market $95,000 Active 98 DOM
4. 2026-06-15
   days on market $95,000 Active 97 DOM
5. 2026-06-13
   days on market $95,000 Active 94 DOM
6. 2026-06-10
   days on market $95,000 Active 91 DOM
7. 2026-06-08
   days on market $95,000 Active 90 DOM
8. 2026-06-07
   days on market $95,000 Active 89 DOM
9. 2026-06-03
   days on market $95,000 Active 85 DOM
10. 2026-06-02
    days on market $95,000 Active 84 DOM
11. 2026-06-01
    days on market $95,000 Active 83 DOM
12. 2026-05-31
    days on market $95,000 Active 82 DOM
13. 2026-05-12
    price $95,000
14. 2026-05-01
    status Active
15. 2026-04-11
    status Pending
16. 2026-03-29
    status Active
17. 2026-03-25
    status Pending
18. 2026-02-15
    listed $105,000 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: $1,507 · $126/mo
• Projected year-2 tax: $1,507 · $126/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 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: $13,844
• − Mortgage interest: −$5,321
• − Property taxes: −$1,507
• − Insurance: −$475
• − Repairs & maintenance: −$1,108
• − Management: −$1,108
• − Depreciation: −$2,764
• Taxable income: $1,563
• Est. tax owed @ 24.0%: −$375
• After-tax cash flow: $2,602/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): 34,657
• Household income: $30,514
• Rent vs Own: 53.0% rent · 47.0% own
• Severe rent burden: 2921.0

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 (88%)
• Race & ethnicity: Black 88% White 5% Hispanic / Latino 5% Two or more races 2%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Hispanic 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% French/Haitian/Cajun 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: ▼ -53.92%
• Current HPI: 189.5977
• Rent YoY: ▲ 1.81%
• 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

-9.5% since first listed

6 events — show timeline

• 2026-05-12 Price Changed $95,000 realMLS
• 2026-05-01 Relisted — realMLS
• 2026-04-11 Pending — realMLS
• 2026-03-29 Relisted — realMLS
• 2026-03-25 Pending — realMLS
• 2026-02-15 Listed $105,000 realMLS

Property tax history

+6.0%/yr

Latest (2025): $1,507 · +20.9% YoY. Source: county tax records.