5822 Cisco Dr W · Jacksonville, FL 32219

$185,000

4 bd · 2.0 ba · 1,080 sqft · Manufactured public records · 161 Days on market

Built 2002 2.41 ac lot

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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 +27.7/30.0
• DSCR +9.8/10.0
• 1% rule +7.6/10.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

4 bedroom 2 bath Mobile home on 2.5 acres .quiet area zoned agricultural. Live in Mobile home while you built your dream home.

Key facts

• Vinyl flooring
• Open layout
• Deck

Tags

• AGRICULTURALLY ZONED LAND
• VINYL FLOORING
• OPEN LAYOUT
• BREAKFAST BAR
• STAINLESS STEEL APPLIANCES
• DECK

Property features AI

Finance

• Other: Located on a private dirt road; Lot is approximately 2.41 acres; Lot features: agricultural

Exterior

• Parking: RV access/parking; Unassigned parking
• Utilities: Septic tank; Cable available; Electricity connected; Sewer connected; Water connected
• Home design: Manufactured home; One level; Property used for agricultural purposes
• Construction: Vinyl siding; Metal roof
• Exterior features: Deck; Fenced (wire)

Interior

• Kitchen: Electric cooktop; Electric oven; Electric range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Breakfast bar; Open floor plan; Primary bathroom with tub and separate shower; Primary bedroom located downstairs; Split bedroom layout
• Laundry & utility: Washer hookup; Gas dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $185k.

Deal economics

• At list price, monthly cash flow is $560 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $185k).
• Recommended offer: $163k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.9% 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 (-0.2%/yr); 546 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 39% of the median local income ($72k/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 $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

• It's been on market 161 days — a 12% lower offer ($163k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 22y ago; this cycle's ask has dropped $40k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; severe 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 $162,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 161 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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: 1.26% ✓
• Cap rate: 9.92%
• Cash-on-cash: 12.97%
• DSCR: 1.58
• GRM: 6.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -0.6%
• Equity multiple: 0.98×
• Total profit: $-1,104
• Equity at exit: $27,584

10-year hold

• IRR: 5.6%
• Equity multiple: 1.36×
• Total profit: $18,743
• Equity at exit: $15,995

Cash invested: $51,800 (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 32219

• Home prices YoY: -22.3%
• Rents YoY: -0.2%
• Active inventory: 546
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $2,327 medium
• Mortgage (P&I): −$970
• Tax est. 1.5%: −$231 /mo · $2,775/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$489
• Net cashflow: $560

Break-even live

Break-even rent $1,618

Max offer price $185,000

Occupancy floor 71%

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: $46,250
• Closing costs: $5,550
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5441 Hollow Birch Dr Jacksonville, FL	4.0	2.0	1490	$2,125	$1.43	1d	1	0.28mi
5735 Wandering Trl Jacksonville, FL	3.0	2.0	1407	$1,500	$1.07	4d	1	0.44mi

Listing history 23 events

1. 2026-06-18
   days on market $185,000 Active 161 DOM
2. 2026-06-17
   days on market $185,000 Active 160 DOM
3. 2026-06-16
   days on market $185,000 Active 159 DOM
4. 2026-06-15
   days on market $185,000 Active 158 DOM
5. 2026-06-10
   pricedays on market $185,000 Active 152 DOM
6. 2026-06-08
   days on market $199,900 Active 151 DOM
7. 2026-06-08
   days on market $199,900 Active 150 DOM
8. 2026-06-03
   days on market $199,900 Active 146 DOM
9. 2026-06-02
   days on market $199,900 Active 145 DOM
10. 2026-06-01
    days on market $199,900 Active 144 DOM
11. 2026-05-31
    days on market $199,900 Active 143 DOM
12. 2026-03-04
    price $199,900
13. 2026-01-22
    price $215,000
14. 2026-01-06
    listed $225,000 Active
15. 2024-02-05
    historical 126-char remark

    Show marketing remark (126 chars)

    4 bedroom 2 bath Mobile home on 2.5 acres .quiet area zoned agricultural. Live in Mobile home while you built your dream home.

16. 2024-01-25
    soldstatus $211,500
17. 2024-01-09
    soldstatus $211,500 Closed 126-char remark

    Show marketing remark (126 chars)

    4 bedroom 2 bath Mobile home on 2.5 acres .quiet area zoned agricultural. Live in Mobile home while you built your dream home.

18. 2023-10-25
    status Pending 126-char remark

    Show marketing remark (126 chars)

    4 bedroom 2 bath Mobile home on 2.5 acres .quiet area zoned agricultural. Live in Mobile home while you built your dream home.

19. 2023-10-10
    listed $225,500 Active 126-char remark

    Show marketing remark (126 chars)

    4 bedroom 2 bath Mobile home on 2.5 acres .quiet area zoned agricultural. Live in Mobile home while you built your dream home.

20. 2018-01-16
    soldstatus $85,000
21. 2005-08-30
    soldstatus $126,000
22. 2005-08-05
    soldstatus $126,000 98-char remark

    Show marketing remark (98 chars)

    FIVE BEDROOM, THREE FULL BATH MOBILE HOME ON 2.5 ACRES, ZONED FOR HORSES. FENCED AND CROSS FENCED.

23. 2004-11-30
    listed $126,000 98-char remark

    Show marketing remark (98 chars)

    FIVE BEDROOM, THREE FULL BATH MOBILE HOME ON 2.5 ACRES, ZONED FOR HORSES. FENCED AND CROSS FENCED.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 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 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,925
• − Mortgage interest: −$10,363
• − Property taxes: −$2,775
• − Insurance: −$925
• − Repairs & maintenance: −$2,234
• − Management: −$2,234
• − Depreciation: −$5,382
• Taxable income: $4,012
• Est. tax owed @ 24.0%: −$963
• After-tax cash flow: $5,756/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): 14,302
• Household income: $72,184
• Rent vs Own: 17.2% rent · 82.8% own
• Severe rent burden: 173.0

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: Majority Black (55%)
• Race & ethnicity: Black 55% White 39% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Italian 2% Romanian 1% Hispanic 1%
• Foreign-born: 4% · Canada, Jamaica
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 0%

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: ▼ -75.90%
• Current HPI: 263.8901
• 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

+58.7% since first listed

12 events — show timeline

• 2026-03-04 Price Changed $199,900 realMLS
• 2026-01-22 Price Changed $215,000 realMLS
• 2026-01-06 Listed $225,000 realMLS
• 2024-02-05 Listing Removed — realMLS
• 2024-01-25 Sold (Public Records) $211,500 Public Records
• 2024-01-09 Sold (MLS) $211,500 realMLS
• 2023-10-25 Pending — realMLS
• 2023-10-10 Listed $225,500 realMLS
• 2018-01-16 Sold (Public Records) $85,000 Public Records
• 2005-08-30 Sold (Public Records) $126,000 Public Records
• 2005-08-05 Sold (MLS) $126,000 realMLS
• 2004-11-30 Listed $126,000 realMLS

Property tax history

-13.4%/yr

Latest (2025): $343 · -50.2% YoY. Source: county tax records.