13384 Peaceful Rd · Jacksonville, FL 32226

$190,000

3 bd · 2.0 ba · 2,058 sqft · Manufactured public records · 12 Days on market

Built 1988 2.67 ac lot Est $368k · 48% under

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Why this score? — see what drove the B- 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 +24.9/30.0
• ARV discount +15.0/15.0
• DSCR +8.1/10.0
• 1% rule +7.1/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Come explore this double-wide manufactured home situated on approximately 2.67 acres across two parcels. The property features a covered front porch, living room with a fireplace, split floor plan, separate dining area, galley-style kitchen, two primary suites each with a full bathroom, an additional flex room, and a rear porch.

Key facts

• Covered front porch
• Galley-style kitchen
• Split floor plan

Tags

• DOUBLE-WIDE MANUFACTURED HOME
• COVERED FRONT PORCH
• LIVING ROOM WITH FIREPLACE
• SPLIT FLOOR PLAN
• SEPARATE DINING AREA
• GALLEY-STYLE KITCHEN

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $190k.

Deal economics

• At list price, monthly cash flow is $406 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Cap rate 8.9% 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: New Berlin Elementary School (math 74% / reading 67%, grade A-, #333 of 2,144 statewide, top 16%, 1,200 students, 36% FRL); Oceanway School (math 34% / reading 33%, grade F, #428 of 571 statewide, top 76%, 927 students, 51% FRL); First Coast High School (math 18% / reading 33%, grade F, #499 of 667 statewide, top 75%, 2,117 students, 49% FRL) — zoned schools at 45% FRL track the district average.
• Market conditions: Rents flat; 258 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 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 $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

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $35k; list at $190k implies a 443% 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; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $190,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.21% ✓
• Cap rate: 8.86%
• Cash-on-cash: 9.16%
• DSCR: 1.41
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $368,382
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13135 Yellow Bluff Rd	0.35mi	4/2.5 (+1)	1,820 (-12%)	5mo	$326,000	$179	53

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 · 0.98% rent growth · sell at horizon

5-year hold

• IRR: -4.9%
• Equity multiple: 0.82×
• Total profit: $-9,429
• Equity at exit: $28,330

10-year hold

• IRR: 2.2%
• Equity multiple: 1.14×
• Total profit: $7,385
• Equity at exit: $16,428

Cash invested: $53,200 (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 32226

• Home prices YoY: -31.6%
• Rents YoY: 1.0%
• Active inventory: 258
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $2,304 high
• Mortgage (P&I): −$996
• Tax from tax record: −$339 /mo · $4,064/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$484
• Net cashflow: $406

Break-even live

Break-even rent $1,790

Max offer price $190,000

Occupancy floor 77%

Sensitivity live

Price	-10% $513	-5% $460	+0% $406	+5% $352	+10% $298
Rent	-10% $224	-5% $315	+0% $406	+5% $497	+10% $588
Rate	-1.0pp $502	-0.5pp $454	base $406	+0.5pp $357	+1.0pp $307

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: $47,500
• Closing costs: $5,700
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13510 Foxwood Height Cir E Jacksonville, FL	3.0	2.0	1772	$1,850	$1.04	25d	1	0.19mi
13668 Chipperfield Ln Jacksonville, FL	4.0	2.5	2451	$2,091	$0.85	15d	1	0.54mi
13658 Kayak Ct Jacksonville, FL	3.0	2.0	1710	$2,100	$1.23	13d	1	0.56mi
3410 Guernsey Ct Jacksonville, FL	3.0	2.0	1712	$1,990	$1.16	25d	1	0.62mi
13319 Smithwick Ln Jacksonville, FL	4.0	2.0	1798	$2,131	$1.19	25d	1	0.66mi
3504 Ayrshire St Jacksonville, FL	3.0	2.5	1998	$2,305	$1.15	16d	1	0.67mi
13737 Devan Lee Dr N Jacksonville, FL	4.0	2.0	2151	$2,026	$0.94	22d	1	0.70mi
12791 John Crest Ct Jacksonville, FL	3.0	2.0	1490	$2,095	$1.41	13d	1	0.81mi
12740 Black Angus Dr Jacksonville, FL	3.0	2.0	1406	$1,929	$1.37	9d	1	0.85mi
12633 White Cedar Trl Jacksonville, FL	3.0	2.0	1735	$2,200	$1.27	5d	1	0.89mi
13730 Fish Eagle Dr W Jacksonville, FL	4.0	2.0	1839	$2,049	$1.11	4d	1	1.08mi
3411 Glenn Hollow Ct Unit TP Jacksonville, FL	3.0	2.0	1592	$2,250	$1.41	25d	1	1.10mi
12288 Black Walnut Ct Jacksonville, FL	3.0	2.5	1432	$2,000	$1.40	9d	1	1.24mi
12677 Pine Marsh Way Jacksonville, FL	4.0	2.0	2550	$2,950	$1.16	9d	1	1.33mi
12677 Pine Marsh Way Jacksonville, FL	4.0	2.5	2550	$2,950	$1.16	13d	1	1.33mi
3488 Hickory Landing Ct Jacksonville, FL	4.0	2.0	1874	$2,106	$1.12	22d	1	1.34mi
3500 Hickory Landing Ct Jacksonville, FL	4.0	2.5	2356	$2,116	$0.90	15d	1	1.36mi
12334 Water Tupelo Rd Jacksonville, FL	3.0	2.5	1886	$3,000	$1.59	9d	1	1.37mi
12284 Peanut Ct Jacksonville, FL	4.0	3.0	2075	$2,300	$1.11	25d	1	1.39mi
12284 Hickory Forest Rd Jacksonville, FL	4.0	2.0	2381	$2,295	$0.96	25d	1	1.41mi
14298 Fish Eagle Dr E Jacksonville, FL	3.0	2.0	1823	$1,925	$1.06	25d	1	1.42mi
2159 Hudson Grove Dr Jacksonville, FL	3.0	2.0	1903	$2,385	$1.25	5d	1	1.47mi
1125 Arcaro Ct Jacksonville, FL	3.0	2.0	1839	$2,135	$1.16	3d	1	1.50mi

Listing history 4 events

1. 2026-01-22
   status Pending
2. 2026-01-10
   listed $190,000 Active
3. 1992-04-17
   soldstatus $35,000
4. 1985-03-01
   soldstatus $20,000

ⓘ 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: $4,064 · $339/mo
• Projected year-2 tax: $4,064 · $339/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 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°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 · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,647
• − Mortgage interest: −$10,643
• − Property taxes: −$4,064
• − Insurance: −$950
• − Repairs & maintenance: −$2,212
• − Management: −$2,212
• − Depreciation: −$5,527
• Taxable income: $2,040
• Est. tax owed @ 24.0%: −$490
• After-tax cash flow: $4,381/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): 21,256
• Household income: $110,179
• Rent vs Own: 10.0% rent · 90.0% own
• Severe rent burden: 277.0

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 White (65%)
• Race & ethnicity: White 65% Black 19% Two or more races 7% Hispanic / Latino 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 1%
• Common ancestry: Italian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 6% · Canada, China
• Languages at home: 91% English-only · Spanish 5% French/Haitian/Cajun 2% Arabic 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: ▼ -123.39%
• Current HPI: 266.9967
• Rent YoY: ▲ 0.98%
• 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

+850.0% since first listed

4 events — show timeline

• 2026-01-22 Pending — realMLS
• 2026-01-10 Listed $190,000 realMLS
• 1992-04-17 Sold (Public Records) $35,000 Public Records
• 1985-03-01 Sold (Public Records) $20,000 Public Records

Property tax history

+17.0%/yr

Latest (2025): $4,064 · +13.8% YoY. Source: county tax records.