3761 Jammes Rd · Jacksonville, FL 32210

$204,500

3 bd · 1.0 ba · 1,040 sqft · SingleFamily public records · 44 Days on market

Built 1956 8,753 sqft lot Est $188k · 9% over

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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).

• Cash flow +14.8/30.0
• DSCR +4.5/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• ARV discount +3.6/15.0
• Rent growth +3.0/5.0
• 1% rule +2.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Recently Fully Renovated! Move-in ready 3-bedroom home in Jacksonville offering modern upgrades and strong value. This beautifully updated property features a brand-new kitchen countertop and floor, with modern cabinetry and finishes, a fully remodeled bathroom, and new flooring throughout, creating a clean and contemporary living space. With 1,040 sqft of efficient layout, this home is perfect for first-time buyers, FHA buyers, or investors seeking a turnkey rental property. Built in 1956 and thoughtfully upgraded, the home combines classic construction with modern design, delivering low-maintenance living and immediate usability. Located in a convenient Westside Jacksonville neighborhood

Key facts

• Fully renovated
• New flooring
• 8,753 sq ft lot

Tags

• FULLY RENOVATED
• BRAND NEW KITCHEN COUNTERTOP
• FULLY REMODELED BATHROOM
• NEW FLOORING
• EXCELLENT RENTAL POTENTIAL

Property features AI

Finance

• Other: Homestead exemption claimed; Unfurnished; No lease restrictions; Property zoned RLD-60; Approx. living area 1,040 (public records)

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Electricity available and connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces west; Residential property
• Construction: Stucco exterior; Other roof; Concrete perimeter foundation; Built on a 0.2-acre lot (approx. 75 x 115)
• Exterior features: Private mailbox; Storage

Interior

• Kitchen: Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Crown molding; Living room/dining room combo; Solid surface counters; Solid wood cabinets; Thermostat
• Laundry & utility: Laundry room (outside); Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $204k.

Deal economics

• At list price, monthly cash flow is $55 ($659/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 $159k (22.2% below list).
• Recommended offer: $159k (22.2% below list) — sets the bar for 1% rule.
• Cap rate 6.6% 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: Grasp Academy (math 18% / reading 14%, grade F, #2,130 of 2,144 statewide, top 99%, 271 students, 52% FRL); Joseph Stilwell Middle School (math 31% / reading 33%, grade F, #448 of 571 statewide, top 79%, 612 students, 68% FRL); Edward H. White High School (math 31% / reading 25%, grade F, #464 of 667 statewide, top 70%, 1,538 students, 64% FRL).
• Zoned-school proficiency averages 25% at this address vs 46% district-wide (-20 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 leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 31% of the median local income ($61k/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 $1k of loan paydown is wiped out by about $6k 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 44 days — a 3% lower offer ($198k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $24k; list at $204k implies a 763% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1956 — 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 $159,094 (22.2% below list)

Questions for the listing agent

1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.78% ✗
• Cap rate: 6.62%
• Cash-on-cash: 1.15%
• DSCR: 1.05
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $188,240
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6344 Bartholf Ave	0.32mi	3/1.5	1,040 (0%)	4mo	$184,000	$177	80
4231 Rendale Dr N	0.44mi	3/1.5	1,035 (-0%)	2mo	$187,000	$181	75
6715 Cotton Tail Ln	0.42mi	3/1.5	1,120 (+8%)	2mo	$155,000	$138	64
2313 Betsy Dr	0.62mi	3/2.0	1,080 (+4%)	1mo	$215,000	$199	60
4152 Arcot Cir	0.25mi	3/1.0	1,193 (+15%)	7mo	$185,000	$155	58
2502 Hugh Edwards Dr	0.51mi	3/2.0	1,100 (+6%)	8mo	$180,000	$164	56
6722 Flopsy Ln	0.51mi	3/1.5	1,120 (+8%)	8mo	$132,000	$118	55
5748 Cherry Laurel Dr	0.73mi	2/2.0 (-1)	1,040 (0%)	7mo	$199,000	$191	51
6770 Tinkerbell Ln	0.72mi	3/1.0	975 (-6%)	6mo	$182,700	$187	50
2222 Bills Dr	0.67mi	3/2.0	1,100 (+6%)	7mo	$222,000	$202	49
2322 Woodridge Rd	0.64mi	2/1.0 (-1)	946 (-9%)	2mo	$120,000	$127	48
3903 Rendale Dr N	0.41mi	4/2.0 (+1)	1,177 (+13%)	3mo	$227,000	$193	47

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: -15.4%
• Equity multiple: 0.46×
• Total profit: $-31,159
• Equity at exit: $30,492

10-year hold

• IRR: -8.3%
• Equity multiple: 0.50×
• Total profit: $-28,752
• Equity at exit: $17,681

Cash invested: $57,260 (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: 10.7×

Monthly cashflow live

• Estimated rent: $1,591 high
• Mortgage (P&I): −$1,072
• Tax from tax record: −$44 /mo · $532/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$334
• Net cashflow: $55

Break-even live

Break-even rent $1,521

Max offer price $204,500

Occupancy floor 92%

Sensitivity live

Price	-10% $171	-5% $113	+0% $55	+5% $-3	+10% $-61
Rent	-10% $-71	-5% $-8	+0% $55	+5% $118	+10% $181
Rate	-1.0pp $158	-0.5pp $107	base $55	+0.5pp $2	+1.0pp $-52

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: $51,125
• Closing costs: $6,135
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3668 Jammes Rd Jacksonville, FL	3.0	2.0	1227	$1,540	$1.26	6d	1	0.13mi
3607 Colebrooke Dr Jacksonville, FL	3.0	2.0	1360	$1,590	$1.17	4d	1	0.21mi
6236 Autlan Dr Jacksonville, FL	3.0	2.0	1299	$1,555	$1.20	6d	1	0.27mi
4102 Angol Pl Jacksonville, FL	3.0	2.0	1470	$1,650	$1.12	6d	1	0.28mi
4020 Angol Pl Jacksonville, FL	3.0	1.0	1266	$1,845	$1.46	19d	1	0.28mi
6119 Wilson Blvd Jacksonville, FL	4.0	2.0	1302	$1,395	$1.07	25d	1	0.41mi
6066 Wilson Blvd Jacksonville, FL	3.0	3.0	1097	$1,800	$1.64	25d	1	0.41mi
6715 Cotton Tail Ln Jacksonville, FL	3.0	1.5	1120	$1,450	$1.29	16d	1	0.43mi
6026 Wilson Blvd Jacksonville, FL	4.0	3.0	1380	$700	$0.51	25d	1	0.48mi
6560 Barmer Dr S Jacksonville, FL	4.0	2.0	1370	$1,750	$1.28	3d	1	0.51mi
4503 Anvers Blvd Jacksonville, FL	3.0	2.0	1084	$1,595	$1.47	25d	1	0.73mi
4336 Harlow Blvd Jacksonville, FL	3.0	2.0	1408	$1,499	$1.06	3d	1	0.77mi
4804 Ducheneau Dr Unit 26 Jacksonville, FL	3.0	2.0	1182	$1,635	$1.38	25d	1	0.77mi
6819 Lake Mist Ln Jacksonville, FL	3.0	2.5	1344	$1,745	$1.30	25d	1	0.77mi
6851 Lake Mist Ln Unit A Jacksonville, FL	3.0	2.5	1350	$1,745	$1.29	25d	1	0.83mi
6746 Jack Horner Ln Jacksonville, FL	3.0	1.0	975	$1,450	$1.49	25d	1	0.83mi
3434 Blanding Blvd #201 Jacksonville, FL	3.0	2.0	1253	$1,800	$1.44	19d	1	0.84mi
3434 Blanding Blvd Jacksonville, FL	2.0–3.0	2.0	1101	$1,800	$1.63	4d	2	0.84mi
6809 Miss Muffet Ln S Jacksonville, FL	3.0	1.0	1095	$1,475	$1.35	6d	1	0.85mi
6511 Burgundy Rd S Jacksonville, FL	3.0	2.0	1361	$1,685	$1.24	5d	1	0.87mi
7127 Prellie St Jacksonville, FL	3.0	1.0	1388	$1,450	$1.04	23d	1	0.90mi
7101 Wilson Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	903	$1,659	$1.84	3d	23	0.95mi
4301 Confederate Point Rd Jacksonville, FL	3.0	1.0–2.0	1042	$1,606	$1.54	4d	39	0.96mi
6863 Jack Horner Ln Jacksonville, FL	3.0	1.0	975	$1,095	$1.12	9d	1	0.98mi
4710 Herta Rd Jacksonville, FL	4.0	2.0	1272	$1,670	$1.31	25d	1	0.99mi
2039 Niblick Dr Jacksonville, FL	1.0–2.0	1.0–2.0	847	$1,275	$1.51	4d	10	1.02mi
7037 Red Robin Dr Jacksonville, FL	3.0	2.0	1208	$1,485	$1.23	6d	1	1.04mi
6766 Londonbridge Ln Jacksonville, FL	3.0	2.0	1300	$1,775	$1.37	22d	1	1.08mi
4375 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1125	$1,536	$1.37	4d	22	1.10mi
5821 San Juan Ave Jacksonville, FL	1.0–3.0	1.0–2.0	1056	$1,330	$1.26	5d	7	1.11mi
2327 Looking Glass Ln Jacksonville, FL	3.0	2.0	1325	$1,495	$1.13	3d	1	1.11mi
6511 San Juan Ave Jacksonville, FL	2.0	2.0	740	$1,200	$1.62	5d	1	1.12mi
6595 San Juan Ave Jacksonville, FL	1.0–2.0	1.0	846	$1,250	$1.48	21d	4	1.14mi
7059 Melvin Rd Jacksonville, FL	3.0	2.0	1330	$1,600	$1.20	3d	1	1.14mi
5615 San Juan Ave #208 Jacksonville, FL	2.0	2.0	1115	$1,200	$1.08	25d	1	1.14mi
5985 Windsor Forest Dr Unit 15 Jacksonville, FL	2.0	1.5	900	$999	$1.11	9d	1	1.15mi
5985 Windsor Forest Dr Unit 23 Jacksonville, FL	2.0	1.5	900	$999	$1.11	23d	1	1.15mi
5985 Windsor Forest Dr Jacksonville, FL	2.0	1.5	900	$1,099	$1.22	9d	1	1.15mi
4455 Confederate Point Rd Jacksonville, FL	1.0–3.0	1.0–2.5	1045	$1,599	$1.53	3d	19	1.17mi
5984 Windsor Forest Dr Jacksonville, FL	2.0	1.5	900	$1,174	$1.30	23d	2	1.18mi

Listing history 16 events

1. 2026-06-21
   days on market $204,500 Active 44 DOM
2. 2026-06-18
   days on market $204,500 Active 41 DOM
3. 2026-06-17
   days on market $204,500 Active 40 DOM
4. 2026-06-16
   days on market $204,500 Active 39 DOM
5. 2026-06-15
   days on market $204,500 Active 38 DOM
6. 2026-06-13
   days on market $204,500 Active 35 DOM
7. 2026-06-10
   days on market $204,500 Active 32 DOM
8. 2026-06-08
   days on market $204,500 Active 31 DOM
9. 2026-06-07
   days on market $204,500 Active 30 DOM
10. 2026-06-05
    days on market $204,500 Active 27 DOM
11. 2026-06-03
    days on market $204,500 Active 26 DOM
12. 2026-06-02
    days on market $204,500 Active 25 DOM
13. 2026-06-01
    days on market $204,500 Active 24 DOM
14. 2026-05-31
    days on market $204,500 Active 23 DOM
15. 2026-05-08
    listed $204,500 Active
16. 1977-07-14
    soldstatus $23,700

ⓘ 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: $532 · $44/mo
• Projected year-2 tax: $1,697 · $141/mo
• Expected delta: +$1,166/yr (+$97/mo · 219.2%)

ⓘ 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 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 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,091
• − Mortgage interest: −$11,455
• − Property taxes: −$532
• − Insurance: −$1,022
• − Repairs & maintenance: −$1,527
• − Management: −$1,527
• − Depreciation: −$5,949
• Taxable loss: −$2,922
• Est. tax savings @ 24.0%: +$701
• After-tax cash flow: $1,360/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

+762.9% since first listed

2 events — show timeline

• 2026-05-08 Listed $204,500 Stellar MLS as Distributed by MLS Grid
• 1977-07-14 Sold (Public Records) $23,700 Public Records

Property tax history

+4.2%/yr

Latest (2025): $532 · +51.9% YoY. Source: county tax records.