1630 W 34th St · Jacksonville, FL 32209

$123,000

3 bd · 1.0 ba · 1,127 sqft · SingleFamily public records · 21 Days on market

Built 1958 4,791 sqft lot Est $135k · 9% under

---

Why this score? — see what drove the C- 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 +19.1/30.0
• ARV discount +11.6/15.0
• DSCR +6.0/10.0
• 1% rule +4.8/10.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful mid-century Florida bungalow featuring 3 bedrooms and 1.5 bathrooms with durable concrete block construction. Bright, clean, and full of charm, this home offers an elegant feel and a thoughtfully designed layout that creates a warm and inviting atmosphere. Property is being sold AS-IS. Photos reflect the condition of the property prior to the last tenant taking possession. Opportunity Zone Disclosure: Property is located in a Qualified Opportunity Zone.

Key facts

• 4,791 sq ft lot
• Parking
• Built 1958

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: 1-space carport
• Utilities: Electricity connected; Sewer connected; Water connected
• Home design: Single family residence; Used for residential purposes
• Exterior features: Lot approximately 0.11 acres; No private pool

Interior

• Kitchen: Electric range
• Bedrooms: 3 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Electric range

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $123k.

Deal economics

• At list price, monthly cash flow is $130 ($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 $121k (1.7% below list).
• Recommended offer: $121k (1.7% below list) — sets the bar for 1% rule.
• Cap rate 7.6% 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.
• Market conditions: Rents rising (+1.8%/yr); 399 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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).
• At $1,209/mo this rent would consume 48% of the median local household income ($31k/yr) (locally 2921% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $850 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 21 days — a 2% lower offer ($121k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 7y 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 $4k; list at $123k implies a 3089% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $120,939 (1.7% below list)

Questions for the listing agent

1. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.98% ✗
• Cap rate: 7.56%
• Cash-on-cash: 4.53%
• DSCR: 1.20
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $135,240
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1636 W 34th St W	0.01mi	4/2.0 (+1)	1,169 (+4%)	3mo	$190,000	$163	82
3631 Effee St	0.45mi	3/2.0	1,120 (-1%)	1mo	$74,000	$66	73
1596 W 30th St	0.20mi	3/2.0	1,052 (-7%)	4mo	$180,017	$171	73
5352 Dodge Rd	0.44mi	3/2.0	1,050 (-7%)	3mo	$75,000	$71	62
1485 W 22nd St	0.59mi	3/2.0	1,152 (+2%)	5mo	$195,017	$169	61
1486 W 29th St	0.33mi	4/2.0 (+1)	1,235 (+10%)	4mo	$193,017	$156	57
1447 20th St W	0.70mi	2/1.0 (-1)	1,094 (-3%)	4mo	$80,000	$73	54
1323 W 30th St	0.46mi	3/1.0	962 (-15%)	1mo	$115,000	$120	54
2058 W 40th St	0.68mi	3/1.0	1,010 (-10%)	1mo	$71,000	$70	50
2050 W 40th St	0.66mi	3/1.0	1,010 (-10%)	3mo	$79,500	$79	49
1961 Spring Drive Rd	0.58mi	4/2.0 (+1)	1,223 (+8%)	4mo	$189,000	$155	47
1204 W 29th St	0.65mi	3/1.0	960 (-15%)	2mo	$50,000	$52	43

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 · 1.81% rent growth · sell at horizon

5-year hold

• IRR: -10.5%
• Equity multiple: 0.62×
• Total profit: $-13,074
• Equity at exit: $18,340

10-year hold

• IRR: -2.9%
• Equity multiple: 0.81×
• Total profit: $-6,438
• Equity at exit: $10,635

Cash invested: $34,440 (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 32209

• Home prices YoY: -22.1%
• Rents YoY: 1.8%
• Active inventory: 399
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,209 high
• Mortgage (P&I): −$645
• Tax from tax record: −$129 /mo · $1,549/yr
• Insurance: −$51
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $130

Break-even live

Break-even rent $1,045

Max offer price $123,000

Occupancy floor 84%

Sensitivity live

Price	-10% $200	-5% $165	+0% $130	+5% $95	+10% $60
Rent	-10% $35	-5% $82	+0% $130	+5% $178	+10% $226
Rate	-1.0pp $192	-0.5pp $161	base $130	+0.5pp $98	+1.0pp $66

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: $30,750
• Closing costs: $3,690
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1653 W 35th St Jacksonville, FL	2.0	1.0	800	$825	$1.03	24d	1	0.10mi
1551 W 33rd St #2 Jacksonville, FL	2.0	1.0	842	$795	$0.94	21d	1	0.14mi
1584 W 31st St Unit 3 Jacksonville, FL	2.0	1.0	832	$900	$1.08	24d	1	0.14mi
1599 W 30th St Unit B Jacksonville, FL	2.0	1.0	780	$1,150	$1.47	15d	1	0.15mi
1587 W 30th St Jacksonville, FL	3.0	1.0	1363	$1,450	$1.06	15d	1	0.16mi
1490 W 33rd St Jacksonville, FL	4.0	1.5	1150	$1,150	$1.00	24d	1	0.22mi
1839 W 30th St Jacksonville, FL	3.0	1.0	828	$1,050	$1.27	24d	1	0.25mi
1636 W 28th St Jacksonville, FL	3.0	2.0	912	$1,375	$1.51	24d	1	0.25mi
1737 W 28th St Jacksonville, FL	3.0	1.0	1105	$700	$0.63	24d	1	0.26mi
1530 W 29th St Jacksonville, FL	3.0	2.0	1164	$1,385	$1.19	24d	1	0.27mi
1863 W 29th St Jacksonville, FL	3.0	2.0	956	$1,190	$1.24	22d	1	0.31mi
4114 Moncrief Rd Jacksonville, FL	2.0	1.0	821	$975	$1.19	8d	1	0.31mi
4114 Moncrief Rd Unit 2 Jacksonville, FL	2.0	1.0	821	$1,050	$1.28	24d	1	0.31mi
1837 W 28th St Jacksonville, FL	3.0	2.0	1333	$1,600	$1.20	24d	1	0.31mi
4813 Moncrief Rd Jacksonville, FL	2.0–3.0	1.0	755	$920	$1.22	3d	8	0.32mi
1625 W 26th St Unit 2 Jacksonville, FL	2.0	1.0	750	$800	$1.07	24d	1	0.33mi
1625 W 26th St Jacksonville, FL	2.0	1.0	750	$800	$1.07	2d	1	0.33mi
1625 W 26th St Unit 4 Jacksonville, FL	2.0	1.0	750	$900	$1.20	24d	1	0.33mi
1417 W 31st St Jacksonville, FL	3.0	1.0	880	$1,100	$1.25	2d	1	0.36mi
1830 W 27th St Jacksonville, FL	3.0	2.0	952	$1,375	$1.44	24d	1	0.37mi
1407 W 31st St Jacksonville, FL	3.0	3.5	1140	$1,550	$1.36	24d	1	0.38mi
1842 W 26th St Jacksonville, FL	3.0	2.0	933	$1,200	$1.29	24d	1	0.42mi
1609 W 24th St Jacksonville, FL	3.0	2.0	1169	$1,223	$1.05	22d	1	0.42mi
1867 W 41st St Jacksonville, FL	3.0	2.0	1218	$1,325	$1.09	18d	1	0.43mi
5350 Dodge Rd Jacksonville, FL	3.0	1.0	1000	$1,500	$1.50	24d	1	0.44mi
1708 W 24th St Jacksonville, FL	3.0	2.0	1428	$1,250	$0.88	8d	1	0.45mi
5352 Dodge Rd Jacksonville, FL	3.0	2.0	1050	$1,261	$1.20	24d	1	0.45mi
1316 W 31st St Jacksonville, FL	2.0	1.0	906	$998	$1.10	24d	1	0.46mi
1645 W 23rd St Unit 2 Jacksonville, FL	3.0	1.0	912	$1,275	$1.40	24d	1	0.47mi
1803 W 44th St Unit 1803 Jacksonville, FL	2.0	1.0	750	$950	$1.27	8d	1	0.49mi
1823 W 44th St Jacksonville, FL	3.0	2.0	1066	$1,500	$1.41	24d	1	0.50mi
1712 W 23rd St Jacksonville, FL	3.0	2.0	1200	$1,275	$1.06	24d	1	0.50mi
1288 W 28th St Jacksonville, FL	4.0	1.5	1449	$1,267	$0.87	15d	1	0.56mi
1593 W 21st St Jacksonville, FL	2.0	1.0	805	$922	$1.15	24d	1	0.57mi
1968 W 23rd St Unit Main Jacksonville, FL	3.0	2.0	1106	$1,400	$1.27	22d	1	0.61mi
1971 W 22nd St Jacksonville, FL	3.0	1.0	1094	$1,095	$1.00	8d	1	0.63mi
1220 W 28th St Jacksonville, FL	3.0	1.0	1122	$1,299	$1.16	24d	1	0.64mi
1196 W 30th St Jacksonville, FL	2.0	1.0	875	$880	$1.01	18d	1	0.65mi
1431 W 21st St Jacksonville, FL	3.0	2.0	1199	$1,425	$1.19	15d	1	0.65mi
2050 W 40th St Jacksonville, FL	3.0	1.0	1010	$1,350	$1.34	17d	1	0.67mi

Listing history 15 events

1. 2026-06-21
   days on market $123,000 Active 21 DOM
2. 2026-06-18
   days on market $123,000 Active 18 DOM
3. 2026-06-17
   days on market $123,000 Active 17 DOM
4. 2026-06-16
   days on market $123,000 Active 16 DOM
5. 2026-06-15
   days on market $123,000 Active 15 DOM
6. 2026-06-13
   days on market $123,000 Active 13 DOM
7. 2026-06-13
   days on market $123,000 Active 12 DOM
8. 2026-06-10
   days on market $123,000 Active 9 DOM
9. 2026-06-08
   days on market $123,000 Active 8 DOM
10. 2026-06-07
    days on market $123,000 Active 7 DOM
11. 2026-06-05
    days on market $123,000 Active 4 DOM
12. 2026-06-03
    days on market $123,000 Active 3 DOM
13. 2026-06-02
    days on market $123,000 Active 2 DOM
14. 2026-06-01
    remarks 431-char remark
15. 2026-06-01
    listed $123,000 Active 1 DOM

ⓘ 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: $1,549 · $129/mo
• Projected year-2 tax: $1,549 · $129/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 8/10 Severe 6 d/yr ≥107°F today · 17 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: $14,513
• − Mortgage interest: −$6,890
• − Property taxes: −$1,549
• − Insurance: −$615
• − Repairs & maintenance: −$1,161
• − Management: −$1,161
• − Depreciation: −$3,578
• Taxable loss: −$441
• Est. tax savings @ 24.0%: +$106
• After-tax cash flow: $1,667/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): 34,657
• Household income: $30,514
• Rent vs Own: 53.0% rent · 47.0% own
• Severe rent burden: 2921.0

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 (88%)
• Race & ethnicity: Black 88% White 5% Hispanic / Latino 5% Two or more races 2%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Hispanic 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 4% French/Haitian/Cajun 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: ▼ -53.92%
• Current HPI: 189.5977
• Rent YoY: ▲ 1.81%
• 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

+846.2% since first listed

25 events — show timeline

• 2026-05-29 Listed $123,000 realMLS
• 2026-05-22 Listed $119,800 realMLS
• 2026-05-08 Listing Removed — realMLS
• 2026-02-13 Price Changed $120,000 realMLS
• 2026-01-14 Relisted — realMLS
• 2026-01-14 Price Changed $125,000 realMLS
• 2025-12-20 Listing Removed — realMLS
• 2025-12-18 Listed $130,000 realMLS
• 2025-06-13 Rental Removed $1,000 APPFOLIO
• 2025-06-11 Listed for Rent $1,000 APPFOLIO
• 2025-06-10 Rental Removed $1,000 NEFLMLS
• 2025-05-16 Price Changed $1,000 NEFLMLS
• 2025-04-17 Price Changed $1,100 NEFLMLS
• 2025-04-09 Listing Removed — realMLS
• 2025-03-29 Listed for Rent $1,200 NEFLMLS
• 2025-03-12 Price Changed $129,500 realMLS
• 2025-02-26 Listed $139,900 realMLS
• 2024-07-22 Sold (Public Records) $3,857 Public Records
• 2019-11-14 Sold (MLS) $33,000 realMLS
• 2019-10-15 Pending — realMLS
• 2019-10-03 Relisted — realMLS
• 2019-08-24 Pending — realMLS
• 2019-08-20 Price Changed $36,000 realMLS
• 2019-06-13 Listed $39,900 realMLS
• 1997-05-07 Sold (Public Records) $13,000 Public Records

Property tax history

+7.6%/yr

Latest (2025): $1,549 · +60.8% YoY. Source: county tax records.