1407 San Juline Cir · St. Augustine, FL 32084

$274,800

2 bd · 2.0 ba · 1,080 sqft · Manufactured public records · 7 Days on market

Built 1972 10,454 sqft lot

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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 +12.4/30.0
• ARV discount +7.5/15.0
• Schools +6.4/10.0
• DSCR +3.7/10.0
• 1% rule +3.1/10.0
• Rent growth +2.6/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Updated 1,200 sq ft double wide mobile home plus 650 sq ft shop and garage with Snap-On tools, welding system, air compressor, air hose system for tools, drill press, chargers, 10' rolling work and welding table, pull-down stairs to attic with 400 sq ft floored storage area. 200-amp electrical system for shop tools LED lighting throughout, metal roof on two lots, fenced yard, multi-car, boat, RV storage. 8x10 concrete storage building with new metal roof. 3rd bedroom is extra large with full bath, private side & garage entry making it ideal for shared living or rental use! City water and septic system recently pumped and inspected. Property adjoins heavily commercial Hwy 207 properties, great for work from home skilled craftsmen, mechanics, artists, or wood workers. Minutes to Lowes, Home Depot, all restaurants, Winn-Dixie, hospital, new vet clinic, Publix, theatre.

Key facts

• Quick access to us 1
• Quick drive to i-95
• Large fenced in yard

Tags

• LARGE FENCED IN YARD
• FIREPLACE IN THE MASTER
• EXTRA LARGE MASTER BATH
• QUICK ACCESS TO SR 207
• QUICK ACCESS TO US 1
• QUICK DRIVE TO I-95

Property features AI

Exterior

• Home design: House
• Exterior features: Lot approximately 10,454 sq ft

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $275k.

Deal economics

• At list price, monthly cash flow is $-44 ($-534/yr) — negative.
• To cash-flow at today's rent, offer at most $267k (2.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $221k (19.5% below list).
• Recommended offer: $221k (19.5% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.1% in St. Augustine — 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: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• St. Johns (rural): math 75% / reading 73% proficiency, ranked #2 of 73 in FL (top 3%) — strong family-tenant draw, lease renewals of 3-5y typical; only 20% free/reduced lunch — higher-income household profile.
• Market conditions: Rents flat; 635 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals leasing fast (median 12d on market — plan ~1-2 weeks tenant-placement turnaround); 5,575 units permitted in St. Johns County in 2024 (584 in 5+ unit buildings).
• This rent runs 36% of the median local income ($74k/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 $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• St. Johns County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 3y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $219k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: 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 $221,265 (19.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1972 — 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. 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?
5. 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.
6. 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.
7. 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: 0.81% ✗
• Cap rate: 6.10%
• Cash-on-cash: -0.69%
• DSCR: 0.97
• GRM: 10.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.25% rent growth · sell at horizon

5-year hold

• IRR: -20.4%
• Equity multiple: 0.31×
• Total profit: $-53,353
• Equity at exit: $40,974

10-year hold

• IRR: -20.7%
• Equity multiple: 0.05×
• Total profit: $-73,378
• Equity at exit: $23,760

Cash invested: $76,944 (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 32084

• Rents YoY: 0.2%
• Active inventory: 635
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,213 high
• Mortgage (P&I): −$1,441
• Tax from tax record: −$237 /mo · $2,843/yr
• Insurance: −$114
• HOA: −$0
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $-44

Break-even live

Break-even rent $2,269

Max offer price $266,944

Occupancy floor 97%

Sensitivity live

Price	-10% $111	-5% $33	+0% $-44	+5% $-122	+10% $-200
Rent	-10% $-219	-5% $-132	+0% $-44	+5% $43	+10% $130
Rate	-1.0pp $94	-0.5pp $25	base $-44	+0.5pp $-116	+1.0pp $-188

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: $68,700
• Closing costs: $8,244
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1419 San Juline Cir Saint Augustine, FL	2.0	1.5	804	$1,649	$2.05	14d	1	0.05mi
100 Inspire Way St. Augustine, FL	2.0–3.0	2.0	1393	$2,355	$1.69	24d	120	0.47mi
1845 Old Moultrie Rd #32 Saint Augustine, FL	2.0	1.0	870	$1,650	$1.90	24d	1	0.48mi
950 Sidney St Unit 12 St. Augustine, FL	2.0	1.0	900	$1,300	$1.44	24d	1	0.49mi
909 S Ponce de Leon Blvd Saint Augustine, FL	2.0	2.0	1120	$3,150	$2.81	4d	1	0.49mi
550 Lena St Unit 1281938P St. Augustine, FL	3.0	2.0	1194	$3,236	$2.71	8d	1	0.52mi
942 Alexander St St. Augustine, FL	2.0	1.5	1200	$1,925	$1.60	11d	1	0.57mi
130 Shipyard Way St. Augustine, FL	1.0–3.0	1.0–2.0	1137	$2,612	$2.30	2d	68	0.63mi
46 Phillips St Unit 1281939P St. Augustine, FL	3.0	2.0	1496	$3,986	$2.66	14d	1	0.63mi
535 S Woodlawn St Saint Augustine, FL	3.0	2.5	1381	$2,100	$1.52	14d	1	0.79mi
29 Buckley Ct Saint Augustine, FL	2.0	2.5	1211	$2,300	$1.90	24d	1	0.82mi
105 Whitland Way Unit 1 St. Augustine, FL	3.0	2.5	1499	$2,300	$1.53	4d	1	0.82mi
895 Collier Blvd Saint Augustine, FL	3.0	2.0	1359	$2,000	$1.47	24d	1	0.86mi
20 Rollins Ave Saint Augustine, FL	3.0	1.0	828	$1,500	$1.81	24d	1	0.89mi
259 Riberia St Unit A St. Augustine, FL	2.0	2.0	1115	$2,600	$2.33	24d	1	1.06mi
134 South St Unit 1281931P St. Augustine, FL	3.0	2.0	1291	$6,455	$5.00	8d	1	1.06mi
1038 Collier Blvd Saint Augustine, FL	3.0	3.0	1180	$2,450	$2.08	24d	1	1.09mi
171 Twine St Unit 1568459P St. Augustine, FL	2.0	1.5	1151	$4,362	$3.79	2d	1	1.10mi
123 Moore St Unit 1281961P St. Augustine, FL	2.0	2.0	904	$3,119	$3.45	4d	1	1.11mi
140B Martin Luther King Ave Unit 1281977P St. Augustine, FL	2.0	1.0	1097	$3,427	$3.12	2d	1	1.13mi
455 S Volusia St Saint Augustine, FL	3.0	2.0	1141	$1,950	$1.71	24d	1	1.14mi
36 Weeden St Unit 1281973P St. Augustine, FL	2.0	1.5	957	$3,854	$4.03	8d	1	1.18mi
1040 W 7th St Saint Augustine, FL	2.0	2.0	1108	$2,195	$1.98	2d	1	1.24mi
90 De Haven St Unit 1281966P St. Augustine, FL	2.0	1.5	796	$5,474	$6.88	4d	1	1.25mi
62 Dumas St Saint Augustine, FL	3.0	2.0	1022	$2,500	$2.45	24d	1	1.28mi
35 Desoto Pl Unit 1281968P St. Augustine, FL	2.0	2.0	1173	$5,216	$4.45	13d	1	1.29mi
104 Cedar St Unit 1281914P St. Augustine, FL	3.0	2.0	1399	$7,542	$5.39	4d	1	1.30mi
138 Oviedo St Unit A St. Augustine, FL	2.0	1.0	995	$1,695	$1.70	4d	1	1.32mi
21 Pearl St Unit 1281964P St. Augustine, FL	3.0	2.0	1130	$7,100	$6.28	4d	1	1.33mi
600 Francis St Saint Augustine, FL	3.0	2.0	1280	$2,495	$1.95	4d	1	1.38mi
117 Ridge Lake Rd Saint Augustine, FL	3.0	2.5	1471	$2,200	$1.50	8d	1	1.40mi
29 Masters Dr Unit B St. Augustine, FL	3.0	2.0	1250	$2,500	$2.00	13d	1	1.41mi
46 Saint Francis St Saint Augustine, FL	2.0	2.0	999	$3,000	$3.00	22d	1	1.41mi
70 Ridge Lake Rd Saint Augustine, FL	3.0	2.5	1470	$2,025	$1.38	24d	1	1.45mi
260 Saint George St Unit 2 St. Augustine, FL	1.0	1.0	750	$1,599	$2.13	4d	1	1.45mi
350 Laurel Dr , FL	1.0–3.0	1.0–2.0	1003	$1,852	$1.85	2d	13	1.50mi

Listing history 7 events

1. 2026-06-21
   days on market $274,800 Active 7 DOM
2. 2026-06-18
   days on market $274,800 Active 4 DOM
3. 2026-06-17
   days on market $274,800 Active 3 DOM
4. 2026-06-16
   remarks 517-char remark
5. 2026-06-16
   days on market $274,800 Active 2 DOM
6. 2026-06-15
   remarks 495-char remark
7. 2026-06-15
   listed $274,800 Active 1 DOM

ⓘ 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: $2,843 · $237/mo
• Projected year-2 tax: $2,843 · $237/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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°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: $26,552
• − Mortgage interest: −$15,393
• − Property taxes: −$2,843
• − Insurance: −$1,374
• − Repairs & maintenance: −$2,124
• − Management: −$2,124
• − Depreciation: −$7,994
• Taxable loss: −$5,300
• Est. tax savings @ 24.0%: +$1,272
• After-tax cash flow: $738/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: St. Johns
• NCES district ID: 1201740
• Math proficiency: 75% ▼ -5.00%
• Reading proficiency: 73% ▼ -2.00%
• Median HH income: $66,842
• Composite: 64.31/100
• National rank: #556
• State rank: #2 of 73 in FL

Livability — St. Augustine

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Saint Johns County · 301,599 people
• Metro: Jacksonville, FL
• Population (ZIP): 37,291
• Household income: $73,837
• Rent vs Own: 33.2% rent · 66.8% own
• Severe rent burden: 1748.0

Population outlook (St. Johns County) Hauer SSP2

• Today (2025): 303,941 people
• By 2030: 342,590 · +12.7%
• By 2040: 417,328 · +37.3%
• By 2050: 487,011 · +60.2%
• By 2075: 635,395 · +109.1%
• By 2100: 717,469 · +136.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 12% Black 11% Two or more races 8%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4% Cuban 1%
• Common ancestry: Lithuanian 3% Romanian 2% Slovak 2%
• Foreign-born: 6% · Canada, Jamaica
• Languages at home: 91% English-only · Spanish 6% Other Indo-European 1%

Political lean MEDSL · St. Johns

• 2024 margin: Solid R (+31.4) · D 33.9% · R 65.2%
• 2008→2024 swing: +0.2pp no change · 2008: -31.6pp · 2024: -31.4pp
• All cycles: 2024: R+31.4 2020: R+26.7 2016: R+33.4 2012: R+37.8 2008: R+31.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -287.02%
• Current HPI: 330.9505
• Rent YoY: ▲ 0.25%
• 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

+587.0% since first listed

7 events — show timeline

• 2026-06-14 Listed $274,800 ForSaleByOwner.com
• 2023-10-11 Sold (Public Records) $219,000 Public Records
• 2023-10-09 Sold (MLS) $219,000 St. Augustine and St. Johns County Board of REALTORS®
• 2023-09-15 Contingent — St. Augustine and St. Johns County Board of REALTORS®
• 2023-08-10 Listed $229,500 St. Augustine and St. Johns County Board of REALTORS®
• 2022-05-19 Sold (Public Records) $100,000 Public Records
• 1997-11-12 Sold (Public Records) $40,000 Public Records

Property tax history

+14.8%/yr

Latest (2025): $2,843 · +22.1% YoY. Source: county tax records.