2913 W 10th St · Jacksonville, FL 32254

$135,000

3 bd · 1.0 ba · 928 sqft · SingleFamily public records · 334 Days on market

Built 1961 0.41 ac lot Est $101k · 33% 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 +18.4/30.0
• Appreciation +6.7/10.0
• DSCR +5.8/10.0
• 1% rule +4.7/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Seller selling in as is condition.Pre-qual letter/proof of fund required with offer along with a $1000 binder in the form of a cashier check or money order.

Key facts

• 0.41 acre lot
• Built 1961
• Listed 333 days

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Gated parking; Other parking
• Utilities: Public sewer; Electricity available; Water available; Sewer available
• Home design: Single-family residence; One story
• Exterior features: Covered wrap-around porch

Interior

• Kitchen: Electric range; Microwave; Refrigerator; Ice maker; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fan(s); Wood-burning fireplace (1)
• Laundry & utility: Unfurnished (no built-in laundry listed)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $125 ($2k/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 $131k (2.7% below list).
• Recommended offer: $119k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.4% 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.
• Zoned schools: Biltmore Elementary School (math 42% / reading 32%, grade F, #1,609 of 2,144 statewide, top 77%, 191 students, 84% FRL); Paxon School/Advanced Studies (math 59% / reading 83%, grade B+, #52 of 667 statewide, top 8%, 1,270 students, 29% FRL).
• Market conditions: Rents rising (+1.7%/yr); 172 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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).

Forward outlook

• In year one you build about $6k of equity ($933 loan paydown + $5k appreciation (3.4% local appreciation)).
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.4% appreciation + 1.7% rent growth), your $38k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 334 days — a 12% lower offer ($119k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y 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 $8k; list at $135k implies a 1488% 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 $118,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 334 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1961 — 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. 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: 0.97% ✗
• Cap rate: 7.40%
• Cash-on-cash: 3.97%
• DSCR: 1.18
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $101,152
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2846 W 8th St	0.18mi	3/1.0	929 (+0%)	2mo	$133,500	$144	89
2916 W 11th St	0.03mi	2/1.0 (-1)	894 (-4%)	1mo	$111,500	$125	87
2156 Allandale Cir N	0.20mi	2/1.0 (-1)	941 (+1%)	6mo	$88,100	$94	79
1630 Detroit St	0.24mi	3/2.0	976 (+5%)	4mo	$106,000	$109	73
2118 Detroit St	0.13mi	3/2.0	1,029 (+11%)	1mo	$170,000	$165	71
3044 W 9th St W	0.20mi	2/1.0 (-1)	852 (-8%)	2mo	$55,000	$65	70
1060 Prospect St	0.72mi	3/1.0	924 (-0%)	2mo	$145,000	$157	64
1073 Huron St	0.68mi	3/1.0	916 (-1%)	3mo	$77,000	$84	63
1227 Dena St	0.49mi	3/1.0	1,033 (+11%)	5mo	$55,000	$53	54
1095 Detroit St	0.61mi	3/1.0	1,009 (+9%)	7mo	$112,675	$112	52
1073 Melson Ave	0.71mi	3/1.0	816 (-12%)	2mo	$45,000	$55	45
1066 Detroit Cir W	0.69mi	2/1.0 (-1)	828 (-11%)	3mo	$72,000	$87	42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.41% appreciation · 1.7% rent growth · sell at horizon

5-year hold

• IRR: 11.6%
• Equity multiple: 1.67×
• Total profit: $25,507
• Equity at exit: $63,864

10-year hold

• IRR: 12.9%
• Equity multiple: 2.95×
• Total profit: $73,839
• Equity at exit: $100,954

Cash invested: $37,800 (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 32254

• Home prices YoY: 1.2%
• Rents YoY: 1.7%
• Active inventory: 172
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,313 high
• Mortgage (P&I): −$708
• Tax from tax record: −$148 /mo · $1,779/yr
• Insurance: −$56
• HOA: −$0
• Vacancy / Maint / Mgmt: −$276
• Net cashflow: $125

Break-even live

Break-even rent $1,155

Max offer price $135,000

Occupancy floor 85%

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2939 W 11th St Jacksonville, FL	3.0	1.0	1086	$1,295	$1.19	23d	1	0.04mi
2854 Wickwire St Jacksonville, FL	2.0	1.0	948	$1,300	$1.37	3d	1	0.11mi
1612 Alfen St Jacksonville, FL	3.0	1.5	945	$1,113	$1.18	7d	1	0.31mi
3138 W 15th St Jacksonville, FL	2.0	1.0	734	$1,150	$1.57	7d	1	0.36mi
3138 W 15th St Jacksonville, FL	2.0	1.0	734	$1,150	$1.57	23d	1	0.36mi
2965 Sunset St Jacksonville, FL	3.0	1.5	1056	$1,375	$1.30	7d	1	0.39mi
2965 Sunset St Jacksonville, FL	3.0	2.0	1056	$1,375	$1.30	3d	1	0.39mi
3101 3rd Street Cir N Jacksonville, FL	2.0	1.0	870	$1,150	$1.32	7d	1	0.50mi
1227 Dena St Jacksonville, FL	3.0	1.0	1033	$1,325	$1.28	23d	1	0.52mi
2913 W 2nd St Jacksonville, FL	2.0	1.0	720	$1,000	$1.39	1d	1	0.54mi
3055 2nd Street Cir Jacksonville, FL	3.0	1.5	1050	$1,340	$1.28	17d	1	0.57mi
2862 W 1st St Jacksonville, FL	2.0	1.0	800	$895	$1.12	3d	1	0.62mi
2862 W 1st St Unit 1 Jacksonville, FL	2.0	1.0	800	$895	$1.12	14d	1	0.62mi
2852 W 1st St Jacksonville, FL	2.0	1.0	800	$895	$1.12	7d	1	0.63mi
2851 Sophia St Jacksonville, FL	2.0	1.0	846	$1,000	$1.18	23d	3	0.69mi
2627 Wylene St Jacksonville, FL	2.0	2.0	594	$1,400	$2.36	23d	1	0.70mi
1037 Detroit St Jacksonville, FL	3.0	2.0	912	$1,250	$1.37	1d	1	0.78mi
3326 W 1st St Jacksonville, FL	2.0	1.0	791	$995	$1.26	23d	1	0.83mi
2661 W 25th St Jacksonville, FL	4.0	2.0	1031	$1,350	$1.31	23d	1	0.89mi
1021 Woodstock Ave Jacksonville, FL	3.0	2.0	1012	$1,495	$1.48	23d	1	0.90mi
1021 Woodstock Ave Jacksonville, FL	3.0	2.0	1012	$1,495	$1.48	7d	1	0.90mi
912 Huron St Jacksonville, FL	2.0	1.0	900	$1,100	$1.22	14d	1	0.97mi
2540 W 25th St Jacksonville, FL	3.0	1.5	854	$1,295	$1.52	14d	1	0.99mi
2345 W 15th St Jacksonville, FL	3.0	2.0	1112	$1,400	$1.26	23d	1	0.99mi
5355 New Kings Rd Unit 10 Jacksonville, FL	2.0	1.0	528	$775	$1.47	23d	1	1.03mi
1213 Moat St Jacksonville, FL	2.0	2.5	1022	$1,283	$1.26	17d	1	1.05mi
841 Ontario St Jacksonville, FL	2.0	1.0	1000	$1,285	$1.28	23d	1	1.08mi
3012 Imperial St Jacksonville, FL	3.0	1.0	1089	$1,395	$1.28	23d	1	1.08mi
5355 New Kings Rd Unit 21 Jacksonville, FL	2.0	1.0	700	$800	$1.14	4d	1	1.10mi
3368 Columbus Ave Jacksonville, FL	2.0	1.0	955	$1,300	$1.36	4d	1	1.10mi
2325 Westbrook Cir N Jacksonville, FL	3.0	2.0	812	$1,200	$1.48	23d	1	1.15mi
2587 Orchard St Jacksonville, FL	2.0	2.0	992	$1,295	$1.31	7d	1	1.15mi
3303 Broadway Ave Jacksonville, FL	3.0	2.0	1072	$1,550	$1.45	3d	1	1.19mi
3516 Penton St Jacksonville, FL	3.0	1.0	1000	$1,350	$1.35	23d	1	1.23mi
2169 W 14th St Jacksonville, FL	3.0	1.0	972	$1,200	$1.23	2d	1	1.24mi
5141 Shenandoah Ave Jacksonville, FL	1.0–3.0	1.0–2.0	950	$1,200	$1.26	1d	4	1.26mi
3305 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	1012	$1,021	$1.01	23d	1	1.31mi
2154 Placeda St Jacksonville, FL	4.0	1.5	1124	$1,500	$1.33	21d	1	1.32mi
2134 Danson St Jacksonville, FL	3.0	1.5	1080	$995	$0.92	2d	1	1.36mi
2134 Danson St Jacksonville, FL	3.0	1.5	1080	$995	$0.92	3d	1	1.36mi

Listing history 14 events

1. 2026-06-03
   days on market $135,000 Active 334 DOM
2. 2026-06-02
   days on market $135,000 Active 333 DOM
3. 2026-06-01
   days on market $135,000 Active 332 DOM
4. 2026-05-31
   days on market $135,000 Active 331 DOM
5. 2025-10-14
   status Active
6. 2025-09-15
   historical
7. 2025-07-17
   price $135,000
8. 2025-06-04
   listed $140,000 Active
9. 2010-07-02
   historical 156-char remark

   Show marketing remark (156 chars)

   Seller selling in as is condition.Pre-qual letter/proof of fund required with offer along with a $1000 binder in the form of a cashier check or money order.

10. 2010-06-18
    soldstatus $8,500 156-char remark

    Show marketing remark (156 chars)

    Seller selling in as is condition.Pre-qual letter/proof of fund required with offer along with a $1000 binder in the form of a cashier check or money order.

11. 2009-05-15
    listed $5,900 156-char remark

    Show marketing remark (156 chars)

    Seller selling in as is condition.Pre-qual letter/proof of fund required with offer along with a $1000 binder in the form of a cashier check or money order.

12. 2007-12-28
    historical 408-char remark

    Show marketing remark (408 chars)

    NEW PRICE!! Affordable housing plus! 3 bdrm/1 bath features large open wrap around front porch. Double size lot chain link fenced. Also has a fireplace. Recently appraised $110,000. Current owner has lived there 11 years. Plenty of privacy & mature trees on property. Plenty of parking inside fenced driveway & in front of house. Check w/ zoning if can be divided and another house built. MAKE OFFER!

13. 2007-06-30
    listed $75,000 408-char remark

    Show marketing remark (408 chars)

    NEW PRICE!! Affordable housing plus! 3 bdrm/1 bath features large open wrap around front porch. Double size lot chain link fenced. Also has a fireplace. Recently appraised $110,000. Current owner has lived there 11 years. Plenty of privacy & mature trees on property. Plenty of parking inside fenced driveway & in front of house. Check w/ zoning if can be divided and another house built. MAKE OFFER!

14. 1998-11-04
    soldstatus $81,500

ⓘ 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: $1,779 · $148/mo
• Projected year-2 tax: $1,779 · $148/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 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,759
• − Mortgage interest: −$7,562
• − Property taxes: −$1,779
• − Insurance: −$675
• − Repairs & maintenance: −$1,261
• − Management: −$1,261
• − Depreciation: −$3,927
• Taxable loss: −$706
• Est. tax savings @ 24.0%: +$169
• After-tax cash flow: $1,669/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): 13,927
• Household income: $34,953
• Rent vs Own: 50.2% rent · 49.8% own
• Severe rent burden: 882.0

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 0.56)
• Race & ethnicity: Black 60% White 28% Two or more races 7% Hispanic / Latino 5%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Slovak 1% Hispanic 1% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 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: ▲ 3.41%
• Current HPI: 282.2981
• Rent YoY: ▲ 1.70%
• 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

+65.6% since first listed

10 events — show timeline

• 2025-10-14 Relisted — realMLS
• 2025-09-15 Listing Removed — realMLS
• 2025-07-17 Price Changed $135,000 realMLS
• 2025-06-04 Listed $140,000 realMLS
• 2010-07-02 Listing Removed — realMLS
• 2010-06-18 Sold (MLS) $8,500 realMLS
• 2009-05-15 Listed $5,900 realMLS
• 2007-12-28 Listing Removed — realMLS
• 2007-06-30 Listed $75,000 realMLS
• 1998-11-04 Sold (Public Records) $81,500 Public Records

Property tax history

+9.6%/yr

Latest (2025): $1,779 · +20.5% YoY. Source: county tax records.