1039 Toney Terrace Ct · Jacksonville, FL 32221

$221,000

2 bd · 2.0 ba · 1,326 sqft · SingleFamily public records · 60 Days on market

Built 1972 8,712 sqft lot Est $277k · 20% under

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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).

• ARV discount +15.0/15.0
• Cash flow +12.7/30.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• DSCR +3.8/10.0
• 1% rule +3.0/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

Key facts

• Covered rear patio
• Updated kitchen
• Granite countertops

Tags

• UPDATED KITCHEN
• GRANITE COUNTERTOPS
• NEW VINYL PLANK FLOORING
• LARGE FENCED BACKYARD
• COVERED REAR PATIO
• MATURE LANDSCAPING

Property features AI

Exterior

• Parking: Carport
• Security: Smoke detector(s)
• Utilities: Public sewer; Electricity connected; Water connected; Sewer connected; Cable available
• Home design: Single family residence; Entry level: 1
• Construction: Shingle roof
• Exterior features: Back yard fencing; Smoke detector(s); Shed(s)

Interior

• Kitchen: Dishwasher; Disposal; Electric cooktop; Microwave; Refrigerator; Ice maker; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fan(s); Primary bathroom has a shower (no tub)
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $221k.

Deal economics

• At list price, monthly cash flow is $-25 ($-297/yr) — negative.
• To cash-flow at today's rent, offer at most $217k (2.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (20.4% below list).
• Recommended offer: $176k (20.4% below list) — sets the bar for 1% rule.
• Cap rate 6.2% 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 (+2.1%/yr); 217 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $2k of loan paydown is wiped out by about $7k 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 ($214k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 6y 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 $145k; list at $221k implies a 52% gain — meaningful room to come down on a strong offer.

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 $176,013 (20.4% 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. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 20% concession, seller financing, or rate buy-down credit?
3. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
7. 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.
8. 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.
9. 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: 0.80% ✗
• Cap rate: 6.16%
• Cash-on-cash: -0.48%
• DSCR: 0.98
• GRM: 10.5

CMA / ARV

• ARV (on-the-fly): $277,134
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8234 Frost St S	0.13mi	3/2.0 (+1)	1,224 (-8%)	2mo	$284,000	$232	75
1070 Cahoon Rd	0.10mi	3/2.0 (+1)	1,209 (-9%)	2mo	$260,000	$215	73
1082 Cahoon Rd	0.11mi	3/2.0 (+1)	1,209 (-9%)	2mo	$260,000	$215	73
1076 Cahoon Rd	0.11mi	3/2.0 (+1)	1,209 (-9%)	3mo	$260,000	$215	73
1064 Cahoon Rd	0.10mi	3/2.0 (+1)	1,209 (-9%)	4mo	$260,000	$215	72
8511 Frost St N	0.38mi	3/2.0 (+1)	1,366 (+3%)	0mo	$285,000	$209	72
8520 Frost St N	0.38mi	3/2.0 (+1)	1,300 (-2%)	8mo	$158,000	$122	67
8338 Dobry Ct	0.16mi	3/2.0 (+1)	1,505 (+14%)	1mo	$250,000	$166	64
1144 Crown Dr	0.66mi	3/2.0 (+1)	1,260 (-5%)	1mo	$235,000	$187	55
8077 Devoe St	0.68mi	3/2.0 (+1)	1,253 (-6%)	5mo	$225,000	$180	50
7641 Rolling Hills Dr	0.68mi	3/2.0 (+1)	1,262 (-5%)	6mo	$140,000	$111	50
7933 Devoe St	0.74mi	3/2.0 (+1)	1,209 (-9%)	7mo	$239,900	$198	40

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 · 2.12% rent growth · sell at horizon

5-year hold

• IRR: -18.0%
• Equity multiple: 0.37×
• Total profit: $-38,976
• Equity at exit: $32,952

10-year hold

• IRR: -12.0%
• Equity multiple: 0.32×
• Total profit: $-42,371
• Equity at exit: $19,108

Cash invested: $61,880 (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 32221

• Home prices YoY: -19.2%
• Rents YoY: 2.1%
• Active inventory: 217
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $1,760 high
• Mortgage (P&I): −$1,159
• Tax from tax record: −$164 /mo · $1,971/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$370
• Net cashflow: $-25

Break-even live

Break-even rent $1,791

Max offer price $216,624

Occupancy floor 96%

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: $55,250
• Closing costs: $6,630
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8054 Graff Ln Jacksonville, FL	3.0	2.0	1117	$1,699	$1.52	2d	1	0.14mi
8311 Santman Ct Jacksonville, FL	3.0	2.0	1268	$1,400	$1.10	24d	1	0.33mi
8640 Rockland Dr Jacksonville, FL	1.0	1.0	1100	$2,000	$1.82	24d	1	0.56mi
1116 Palisades Dr Jacksonville, FL	3.0	2.0	1161	$1,550	$1.34	3d	1	0.58mi
1485 Fouraker Rd Jacksonville, FL	1.0–3.0	1.0–2.0	947	$1,682	$1.78	2d	55	0.76mi
7777 Normandy Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1040	$1,610	$1.55	3d	19	0.77mi
1484 Bloomingdale Rd Jacksonville, FL	3.0	2.0	1266	$1,899	$1.50	4d	1	0.80mi
1512 Rebecca Dr Jacksonville, FL	3.0	2.0	1694	$1,895	$1.12	14d	1	0.82mi
863 Westgate Dr Jacksonville, FL	3.0	2.0	1287	$1,800	$1.40	17d	1	0.83mi
909 Westgate Dr Jacksonville, FL	3.0	1.5	1051	$1,595	$1.52	4d	1	0.83mi
8642 Hammond Forest Dr Jacksonville, FL	3.0	2.0	1773	$1,900	$1.07	7d	1	0.87mi
8642 Hammond Forest Dr Jacksonville, FL	3.0	2.0	1773	$1,900	$1.07	17d	1	0.87mi
7847 Mariner St Jacksonville, FL	3.0	2.0	1209	$1,599	$1.32	24d	1	0.97mi
7841 Mariner St Jacksonville, FL	3.0	2.0	1209	$1,625	$1.34	17d	1	0.97mi
7010 Arques Rd Jacksonville, FL	3.0	1.0	1428	$1,595	$1.12	14d	1	1.29mi
7010 Arques Rd Jacksonville, FL	3.0	1.0	1428	$1,595	$1.12	11d	1	1.29mi
7810 Spring Branch Dr S Jacksonville, FL	3.0	2.0	1284	$1,960	$1.53	2d	1	1.35mi
909 La Marche Dr Jacksonville, FL	3.0	1.0	1326	$1,600	$1.21	20d	1	1.45mi
9099 Rockpond Meadows Dr Jacksonville, FL	3.0	2.0	1688	$1,955	$1.16	17d	1	1.47mi

Listing history 25 events

1. 2026-06-13
   statusdays on market $221,000 Pending 60 DOM
2. 2026-06-10
   days on market $221,000 Active 59 DOM
3. 2026-06-08
   days on market $221,000 Active 58 DOM
4. 2026-06-07
   days on market $221,000 Active 57 DOM
5. 2026-06-05
   days on market $221,000 Active 54 DOM
6. 2026-06-03
   days on market $221,000 Active 53 DOM
7. 2026-06-02
   days on market $221,000 Active 52 DOM
8. 2026-06-01
   days on market $221,000 Active 51 DOM
9. 2026-05-31
   days on market $221,000 Active 50 DOM
10. 2026-04-11
    listed $221,000 Active
11. 2025-08-08
    historical 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

12. 2025-05-12
    status Active 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

13. 2025-05-08
    historical 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

14. 2025-05-05
    status Active 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

15. 2025-04-23
    historical Active Under Contract 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

16. 2025-04-16
    status Active 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

17. 2025-02-25
    historical Active Under Contract 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

18. 2024-10-01
    price $236,000 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

19. 2024-07-08
    listed $240,000 Active 983-char remark

    Show marketing remark (983 chars)

    MUST-SEE Starter Home with Great Potential! Whether you're a first-time buyer, looking for a low-maintenance investment, or want to share the mortgage with a roommate, this charming 2-bedroom, 2-bath home offers versatility, comfort, and value. Nestled on a quiet cul-de-sac, this well-cared-for property boasts numerous updates and thoughtful touches throughout. Step inside to an inviting open-concept living, dining, and kitchen space—perfect for everyday living and entertaining. Enjoy views of the private, fenced backyard and covered rear porch, surrounded by mature landscaping that adds both beauty and privacy. Stylish finishes include durable LVP and cozy Berber carpeting, granite countertops, and all included kitchen appliances. Major updates like the roof and HVAC offer peace of mind for years to come. Whether you're ready to move in or rent it out, this property is ready to go. Motivated sellers—let's make a deal! Agents, please see private remarks.

20. 2021-01-06
    soldstatus $145,000
21. 2020-12-17
    soldstatus $145,000 Sold 649-char remark

    Show marketing remark (649 chars)

    Adorable all block, brick front facade home in established west side neighborhood. Home features 2 bedrooms and 2 baths, large inside laundry, dining area, large fenced back yard, covered patio, mature landscaping in front and back yard. Best part this home has recently within past year been cleaned out and updated with fresh paint inside and outside, new carpeting and new laminate flooring. Roof and HVAC system are less than 5 years old. There is a storage building in back. Buyer will need fridge and stove. At this price, this home will not last long! Sellers selling in as-is seen condition and will not be making any further repairs.

22. 2020-12-01
    status Pending 649-char remark

    Show marketing remark (649 chars)

    Adorable all block, brick front facade home in established west side neighborhood. Home features 2 bedrooms and 2 baths, large inside laundry, dining area, large fenced back yard, covered patio, mature landscaping in front and back yard. Best part this home has recently within past year been cleaned out and updated with fresh paint inside and outside, new carpeting and new laminate flooring. Roof and HVAC system are less than 5 years old. There is a storage building in back. Buyer will need fridge and stove. At this price, this home will not last long! Sellers selling in as-is seen condition and will not be making any further repairs.

23. 2020-10-30
    historical Active - Contingent 649-char remark

    Show marketing remark (649 chars)

    Adorable all block, brick front facade home in established west side neighborhood. Home features 2 bedrooms and 2 baths, large inside laundry, dining area, large fenced back yard, covered patio, mature landscaping in front and back yard. Best part this home has recently within past year been cleaned out and updated with fresh paint inside and outside, new carpeting and new laminate flooring. Roof and HVAC system are less than 5 years old. There is a storage building in back. Buyer will need fridge and stove. At this price, this home will not last long! Sellers selling in as-is seen condition and will not be making any further repairs.

24. 2020-10-24
    listed $150,000 Active 649-char remark

    Show marketing remark (649 chars)

    Adorable all block, brick front facade home in established west side neighborhood. Home features 2 bedrooms and 2 baths, large inside laundry, dining area, large fenced back yard, covered patio, mature landscaping in front and back yard. Best part this home has recently within past year been cleaned out and updated with fresh paint inside and outside, new carpeting and new laminate flooring. Roof and HVAC system are less than 5 years old. There is a storage building in back. Buyer will need fridge and stove. At this price, this home will not last long! Sellers selling in as-is seen condition and will not be making any further repairs.

25. 1983-09-01
    soldstatus $45,000

ⓘ 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: $1,971 · $164/mo
• Projected year-2 tax: $1,971 · $164/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,122
• − Mortgage interest: −$12,379
• − Property taxes: −$1,971
• − Insurance: −$1,105
• − Repairs & maintenance: −$1,690
• − Management: −$1,690
• − Depreciation: −$6,429
• Taxable loss: −$4,142
• Est. tax savings @ 24.0%: +$994
• After-tax cash flow: $697/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): 32,833
• Household income: $82,969
• Rent vs Own: 21.4% rent · 78.6% own
• Severe rent burden: 516.0

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 48% Black 33% Hispanic / Latino 9% Two or more races 6% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 2% Hispanic 1%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 88% English-only · Spanish 6% French/Haitian/Cajun 2% Vietnamese 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: ▼ -62.74%
• Current HPI: 263.7591
• Rent YoY: ▲ 2.12%
• 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

+391.1% since first listed

16 events — show timeline

• 2026-04-11 Listed $221,000 realMLS
• 2025-08-08 Listing Removed — realMLS
• 2025-05-12 Relisted — realMLS
• 2025-05-08 Listing Removed — realMLS
• 2025-05-05 Relisted — realMLS
• 2025-04-23 Contingent — realMLS
• 2025-04-16 Relisted — realMLS
• 2025-02-25 Contingent — realMLS
• 2024-10-01 Price Changed $236,000 realMLS
• 2024-07-08 Listed $240,000 realMLS
• 2021-01-06 Sold (Public Records) $145,000 Public Records
• 2020-12-17 Sold (MLS) $145,000 realMLS
• 2020-12-01 Pending — realMLS
• 2020-10-30 Contingent — realMLS
• 2020-10-24 Listed $150,000 realMLS
• 1983-09-01 Sold (Public Records) $45,000 Public Records

Property tax history

+9.3%/yr

Latest (2025): $1,971 · +12.6% YoY. Source: county tax records.