4633 Suffolk Ave · Jacksonville, FL 32208

$126,980

3 bd · 1.0 ba · 844 sqft · SingleFamily public records · 60 Days on market

Built 1955 7,405 sqft lot Est $121k · 5% 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 +20.1/30.0
• DSCR +6.4/10.0
• 1% rule +5.4/10.0
• ARV discount +5.2/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Income-producing investment opportunity priced aggressively. HVAC 1yr old. Recently upgraded panel box. The property is currently operated under a room-rental model with total income of 1800.00 per month, offering immediate income with flexibility for future use or reconfiguration. Located within Duval County Public Schools and zoned for Rutledge H. Pearson Elementary, Jean Ribault Middle School, and Jean Ribault High School (buyer to verify). Conveniently situated near major roadways, shopping, dining, and popular Jacksonville attractions including Jacksonville Zoo & Gardens, Fort Caroline National Memorial, and the Timucuan Ecological & Historic Preserve. Ideal for investors, renovators, or owner-occupants seeking strong upside in an established area. Property sold as-is; buyer to verify all rental income, room count, zoning, and school assignments.

Key facts

• 7,405 sq ft lot
• Parking
• Built 1955

Tags

• 1 YEAR OLD HVAC SYSTEM
• UPGRADED ELECTRICAL PANEL BOX

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Attached 1-car carport
• Utilities: Cable connected; Electricity connected; Sewer connected
• Home design: Single family residence; Residential use
• Exterior features: Lot approximately 0.17 acres; No private pool

Interior

• Kitchen: Electric range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Furnished

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $127k.

Deal economics

• At list price, monthly cash flow is $159 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $127k).
• Recommended offer: $123k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.8% 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 soft (-1.4%/yr); 291 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 20d 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).
• This rent runs 38% of the median local income ($41k/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 $878 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 60 days — a 3% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 4y 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 $100k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1955 — 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 $123,170 (3.0% below list)

Questions for the listing agent

1. It's been on market 60 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 1955 — 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: 1.04% ✓
• Cap rate: 7.79%
• Cash-on-cash: 5.35%
• DSCR: 1.24
• GRM: 8.0

CMA / ARV

• ARV (on-the-fly): $120,692
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4656 Colchester Rd	0.27mi	3/1.0	887 (+5%)	11mo	$148,000	$167	69
4637 Williamsburg Ave	0.11mi	3/1.0	942 (+12%)	8mo	$88,000	$93	69
8917 Devonshire Blvd	0.50mi	3/1.0	851 (+1%)	13mo	$148,000	$174	65
3915 Beverly Ave	0.55mi	2/1.0 (-1)	828 (-2%)	3mo	$55,000	$66	64
9926 Frankella Rd	0.65mi	2/1.0 (-1)	866 (+3%)	1mo	$135,000	$156	59
5114 Roanoke Blvd	0.47mi	3/1.5	936 (+11%)	1mo	$149,900	$160	57
9604 Flechette Ave	0.69mi	3/1.5	868 (+3%)	7mo	$57,000	$66	55
3918 Rose St	0.66mi	3/1.0	824 (-2%)	13mo	$53,645	$65	54
4242 Turton Ave	0.54mi	3/1.0	912 (+8%)	11mo	$120,000	$132	52
5115 Locksley Ave	0.63mi	3/1.5	936 (+11%)	2mo	$110,000	$118	49
9504 Flechette Ave	0.66mi	3/1.5	932 (+10%)	5mo	$133,500	$143	45
8636 Bermuda Rd	0.67mi	3/1.0	962 (+14%)	10mo	$160,000	$166	37

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -11.5%
• Equity multiple: 0.60×
• Total profit: $-14,328
• Equity at exit: $18,933

10-year hold

• IRR: -7.4%
• Equity multiple: 0.60×
• Total profit: $-14,359
• Equity at exit: $10,979

Cash invested: $35,554 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 291
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,324 high
• Mortgage (P&I): −$666
• Tax from tax record: −$169 /mo · $2,025/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $159

Break-even live

Break-even rent $1,124

Max offer price $126,980

Occupancy floor 83%

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: $31,745
• Closing costs: $3,809
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9348 Culpeper Ave Jacksonville, FL	3.0	1.0	882	$1,195	$1.35	23d	1	0.15mi
4662 Roanoke Blvd Jacksonville, FL	3.0	2.0	1104	$1,195	$1.08	14d	1	0.21mi
4935 Portsmouth Ave Jacksonville, FL	3.0	1.0	894	$1,163	$1.30	10d	1	0.37mi
9561 Norfolk Blvd Jacksonville, FL	3.0	1.5	934	$1,350	$1.45	1d	1	0.38mi
9436 Gisborne Dr Jacksonville, FL	3.0	1.5	950	$1,440	$1.52	20d	1	0.52mi
9658 Gibson Ave Jacksonville, FL	3.0	1.5	977	$1,225	$1.25	23d	1	0.53mi
9206 Greenleaf Rd Jacksonville, FL	3.0	1.5	888	$1,400	$1.58	17d	1	0.64mi
4655 Ken Knight Dr N Jacksonville, FL	2.0	1.0	646	$600	$0.93	23d	1	1.05mi
4440 Ken Knight Dr N Jacksonville, FL	2.0	1.0	716	$650	$0.91	14d	1	1.10mi
8119 Siskin Ave Jacksonville, FL	2.0	2.0	1102	$1,650	$1.50	17d	1	1.20mi
8119 Siskin Ave Jacksonville, FL	2.0	2.0	1102	$1,650	$1.50	23d	1	1.20mi
4543 Moncrief Rd W Jacksonville, FL	2.0	1.0	950	$1,075	$1.13	7d	1	1.23mi
4177 Lorenzo Ct Unit 4 Jacksonville, FL	2.0	1.0	840	$945	$1.12	1d	1	1.30mi
4253 Moncrief Rd W Unit 2 Jacksonville, FL	2.0	1.0	840	$975	$1.16	23d	1	1.35mi
4211 Moncrief Rd W Unit 2 Jacksonville, FL	2.0	1.0	840	$995	$1.18	23d	1	1.41mi
2389 Hilly Rd Jacksonville, FL	3.0	1.0	908	$1,650	$1.82	23d	1	1.41mi
3997 Leonnie Rd Unit 1 Jacksonville, FL	2.0	1.0	840	$950	$1.13	7d	1	1.42mi
9346 10th Ave Jacksonville, FL	3.0	1.0	985	$1,825	$1.85	23d	1	1.44mi

Listing history 29 events

1. 2026-06-18
   days on market $126,980 Active 60 DOM
2. 2026-06-17
   days on market $126,980 Active 59 DOM
3. 2026-06-16
   days on market $126,980 Active 58 DOM
4. 2026-06-15
   days on market $126,980 Active 57 DOM
5. 2026-06-13
   days on market $126,980 Active 54 DOM
6. 2026-06-10
   days on market $126,980 Active 51 DOM
7. 2026-06-08
   days on market $126,980 Active 50 DOM
8. 2026-06-07
   days on market $126,980 Active 49 DOM
9. 2026-06-05
   days on market $126,980 Active 46 DOM
10. 2026-06-03
    days on market $126,980 Active 45 DOM
11. 2026-06-02
    days on market $126,980 Active 44 DOM
12. 2026-06-01
    days on market $126,980 Active 43 DOM
13. 2026-05-31
    days on market $126,980 Active 42 DOM
14. 2026-04-19
    listed $126,980 Active
15. 2026-04-07
    historical 871-char remark

    Show marketing remark (871 chars)

    Income-producing investment opportunity priced aggressively. HVAC 1yr old. Recently upgraded panel box. The property is currently operated under a room-rental model with total income of 1800.00 per month, offering immediate income with flexibility for future use or reconfiguration. Located within Duval County Public Schools and zoned for Rutledge H. Pearson Elementary, Jean Ribault Middle School, and Jean Ribault High School (buyer to verify). Conveniently situated near major roadways, shopping, dining, and popular Jacksonville attractions including Jacksonville Zoo & Gardens, Fort Caroline National Memorial, and the Timucuan Ecological & Historic Preserve. Ideal for investors, renovators, or owner-occupants seeking strong upside in an established area. Property sold as-is; buyer to verify all rental income, room count, zoning, and school assignments.

16. 2026-03-21
    status Active 871-char remark

    Show marketing remark (871 chars)

    Income-producing investment opportunity priced aggressively. HVAC 1yr old. Recently upgraded panel box. The property is currently operated under a room-rental model with total income of 1800.00 per month, offering immediate income with flexibility for future use or reconfiguration. Located within Duval County Public Schools and zoned for Rutledge H. Pearson Elementary, Jean Ribault Middle School, and Jean Ribault High School (buyer to verify). Conveniently situated near major roadways, shopping, dining, and popular Jacksonville attractions including Jacksonville Zoo & Gardens, Fort Caroline National Memorial, and the Timucuan Ecological & Historic Preserve. Ideal for investors, renovators, or owner-occupants seeking strong upside in an established area. Property sold as-is; buyer to verify all rental income, room count, zoning, and school assignments.

17. 2026-02-08
    historical 871-char remark

    Show marketing remark (871 chars)

    Income-producing investment opportunity priced aggressively. HVAC 1yr old. Recently upgraded panel box. The property is currently operated under a room-rental model with total income of 1800.00 per month, offering immediate income with flexibility for future use or reconfiguration. Located within Duval County Public Schools and zoned for Rutledge H. Pearson Elementary, Jean Ribault Middle School, and Jean Ribault High School (buyer to verify). Conveniently situated near major roadways, shopping, dining, and popular Jacksonville attractions including Jacksonville Zoo & Gardens, Fort Caroline National Memorial, and the Timucuan Ecological & Historic Preserve. Ideal for investors, renovators, or owner-occupants seeking strong upside in an established area. Property sold as-is; buyer to verify all rental income, room count, zoning, and school assignments.

18. 2026-01-12
    listed $126,980 Active 871-char remark

    Show marketing remark (871 chars)

    Income-producing investment opportunity priced aggressively. HVAC 1yr old. Recently upgraded panel box. The property is currently operated under a room-rental model with total income of 1800.00 per month, offering immediate income with flexibility for future use or reconfiguration. Located within Duval County Public Schools and zoned for Rutledge H. Pearson Elementary, Jean Ribault Middle School, and Jean Ribault High School (buyer to verify). Conveniently situated near major roadways, shopping, dining, and popular Jacksonville attractions including Jacksonville Zoo & Gardens, Fort Caroline National Memorial, and the Timucuan Ecological & Historic Preserve. Ideal for investors, renovators, or owner-occupants seeking strong upside in an established area. Property sold as-is; buyer to verify all rental income, room count, zoning, and school assignments.

19. 2023-09-06
    historical 263-char remark

    Show marketing remark (263 chars)

    Great home for first time homebuyers or an investor looking for a turnkey property. This home is low maintenance and features new hvac, updated electrical panel, ceramic tile throughout, and updated plumbing. If a deal is what you're looking for, look no further.

20. 2023-07-18
    price $152,900 263-char remark

    Show marketing remark (263 chars)

    Great home for first time homebuyers or an investor looking for a turnkey property. This home is low maintenance and features new hvac, updated electrical panel, ceramic tile throughout, and updated plumbing. If a deal is what you're looking for, look no further.

21. 2023-07-18
    status Active 263-char remark

    Show marketing remark (263 chars)

    Great home for first time homebuyers or an investor looking for a turnkey property. This home is low maintenance and features new hvac, updated electrical panel, ceramic tile throughout, and updated plumbing. If a deal is what you're looking for, look no further.

22. 2023-07-08
    historical 263-char remark

    Show marketing remark (263 chars)

    Great home for first time homebuyers or an investor looking for a turnkey property. This home is low maintenance and features new hvac, updated electrical panel, ceramic tile throughout, and updated plumbing. If a deal is what you're looking for, look no further.

23. 2023-06-20
    listed $148,000 Active 263-char remark

    Show marketing remark (263 chars)

    Great home for first time homebuyers or an investor looking for a turnkey property. This home is low maintenance and features new hvac, updated electrical panel, ceramic tile throughout, and updated plumbing. If a deal is what you're looking for, look no further.

24. 2022-06-02
    soldstatus $100,000 Sold
25. 2022-02-18
    status Pending
26. 2022-02-13
    status Active
27. 2022-02-09
    status Pending
28. 2022-02-01
    listed $102,000 Active
29. 1985-12-01
    soldstatus $29,700

ⓘ 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: $2,025 · $169/mo
• Projected year-2 tax: $2,025 · $169/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 4/10 Moderate
• 🌡 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: $15,892
• − Mortgage interest: −$7,113
• − Property taxes: −$2,025
• − Insurance: −$635
• − Repairs & maintenance: −$1,271
• − Management: −$1,271
• − Depreciation: −$3,694
• Taxable loss: −$118
• Est. tax savings @ 24.0%: +$28
• After-tax cash flow: $1,932/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): 32,699
• Household income: $41,324
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1765.0

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 (77%)
• Race & ethnicity: Black 77% White 16% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 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: ▼ -110.56%
• Current HPI: 217.9706
• Rent YoY: ▼ -1.36%
• 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

+327.5% since first listed

16 events — show timeline

• 2026-04-19 Listed $126,980 realMLS
• 2026-04-07 Listing Removed — realMLS
• 2026-03-21 Relisted — realMLS
• 2026-02-08 Listing Removed — realMLS
• 2026-01-12 Listed $126,980 realMLS
• 2023-09-06 Listing Removed — realMLS
• 2023-07-18 Price Changed $152,900 realMLS
• 2023-07-18 Relisted — realMLS
• 2023-07-08 Listing Removed — realMLS
• 2023-06-20 Listed $148,000 realMLS
• 2022-06-02 Sold (MLS) $100,000 realMLS
• 2022-02-18 Pending — realMLS
• 2022-02-13 Relisted — realMLS
• 2022-02-09 Pending — realMLS
• 2022-02-01 Listed $102,000 realMLS
• 1985-12-01 Sold (Public Records) $29,700 Public Records

Property tax history

+6.4%/yr

Latest (2025): $2,025 · +13.5% YoY. Source: county tax records.