27 W 44th St · Jacksonville, FL 32208

$70,000

3 bd · 2.0 ba · 1,323 sqft · SingleFamily public records · 8 Days on market

Built 1954 4,791 sqft 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.2/5.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Check out this totally remodeled gem located in the heart of the city that features a new roof, remodeled bathrooms, new doors, fresh paint on exterior and interior and brand new flooring.

Key facts

• 4,791 sq ft lot
• Built 1954
• Listed 8 days

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public sewer; Electricity available; Public water available
• Home design: Single Family Residence; Used as a residential single-family home
• Exterior features: Lot approximately 0.11 acres; No private pool

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: No heating specified; No cooling specified
• Interior features: Refrigerator included

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $463 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Cap rate 14.2% 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 soft (-1.4%/yr); 291 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d 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).
• This rent runs 40% of the median local income ($41k/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 $484 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $20k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 20y 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.

Risks & watch-outs

• Watch-outs: property tax is 3.9% of price; built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $70,000

Questions for the listing agent

1. Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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: 1.97% ✓
• Cap rate: 14.23%
• Cash-on-cash: 28.34%
• DSCR: 2.26
• GRM: 4.2

CMA / ARV

• ARV (on-the-fly): $168,021
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
264 E 45th St	0.33mi	3/1.0	1,328 (+0%)	2mo	$105,000	$79	78
317 W 41st St	0.33mi	3/2.0	1,268 (-4%)	2mo	$125,000	$99	76
317 Chestnut Dr	0.43mi	3/2.0	1,294 (-2%)	6mo	$115,000	$89	71
140 E 45th St	0.20mi	3/2.0	1,166 (-12%)	4mo	$194,000	$166	67
118 E 45th St	0.17mi	3/1.0	1,132 (-14%)	3mo	$161,000	$142	62
6560 Perry St	0.61mi	3/2.0	1,260 (-5%)	5mo	$240,000	$190	60
4710 Springfield Blvd	0.51mi	3/2.0	1,208 (-9%)	4mo	$170,000	$141	58
662 Beechwood St	0.54mi	4/2.0 (+1)	1,208 (-9%)	4mo	$153,000	$127	52
329 Demper Dr	0.48mi	3/2.0	1,140 (-14%)	5mo	$145,000	$127	51
6724 Drayton St	0.58mi	3/1.0	1,200 (-9%)	6mo	$139,000	$116	48
33 E 29th St	0.71mi	4/2.0 (+1)	1,169 (-12%)	1mo	$216,000	$185	42
182 W 61st St	0.73mi	2/3.0 (-1)	1,161 (-12%)	3mo	$125,770	$108	34

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 18.7%
• Equity multiple: 1.72×
• Total profit: $14,206
• Equity at exit: $10,437

10-year hold

• IRR: 24.6%
• Equity multiple: 2.79×
• Total profit: $35,168
• Equity at exit: $6,052

Cash invested: $19,600 (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 32208

• Home prices YoY: -33.6%
• Rents YoY: -1.4%
• Active inventory: 291
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,377 high
• Mortgage (P&I): −$367
• Tax from tax record: −$229 /mo · $2,746/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$289
• Net cashflow: $463

Break-even live

Break-even rent $791

Max offer price $70,000

Occupancy floor 61%

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: $17,500
• Closing costs: $2,100
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
141 W 43rd St Jacksonville, FL	3.0	2.0	1022	$1,231	$1.20	3d	1	0.16mi
205 E 44th St Jacksonville, FL	3.0	1.0	955	$1,075	$1.13	21d	1	0.22mi
5035 N Main St Jacksonville, FL	3.0	1.0–2.0	816	$1,459	$1.79	24d	69	0.23mi
217 E 48th St Jacksonville, FL	3.0	1.0	979	$1,096	$1.12	11d	1	0.30mi
319 W 49th St Jacksonville, FL	2.0	1.0	977	$1,200	$1.23	24d	1	0.39mi
331 W 40th St Jacksonville, FL	4.0	2.0	1536	$1,375	$0.90	4d	1	0.40mi
425 W 47th St Jacksonville, FL	3.0	1.5	1083	$1,193	$1.10	8d	1	0.41mi
345 E 44th St Jacksonville, FL	3.0	1.0	1145	$1,150	$1.00	24d	1	0.41mi
349 E 45th St Jacksonville, FL	2.0	1.0	954	$1,175	$1.23	8d	1	0.42mi
33 W 55th St Jacksonville, FL	4.0	2.0	1387	$1,321	$0.95	3d	1	0.43mi
6418 Sapphire Dr Jacksonville, FL	3.0	1.5	1296	$1,350	$1.04	24d	1	0.46mi
511 Ivy St Jacksonville, FL	2.0	1.0	900	$995	$1.11	24d	1	0.49mi
562 W 49th St Jacksonville, FL	3.0	1.0	1091	$1,195	$1.10	24d	1	0.50mi
451 Long Branch Blvd Unit 451 Jacksonville, FL	2.0	1.0	1000	$1,350	$1.35	24d	1	0.59mi
41 Tallulah Ave Jacksonville, FL	3.0	1.0	1092	$1,390	$1.27	3d	1	0.59mi
643 Linwood Ave Jacksonville, FL	3.0	2.0	1232	$1,325	$1.08	3d	1	0.60mi
5616 Calvin Ave Jacksonville, FL	3.0	1.0	1008	$1,195	$1.19	8d	1	0.62mi
28 W 33rd St Jacksonville, FL	4.0	1.0	1395	$898	$0.64	8d	1	0.62mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	14d	1	0.63mi
4526 Fairview St Jacksonville, FL	2.0	1.0	1575	$980	$0.62	17d	1	0.63mi
549 E 55th St Jacksonville, FL	3.0	2.0	1230	$1,488	$1.21	11d	1	0.64mi
555 E 55th St Jacksonville, FL	3.0	2.0	1230	$1,488	$1.21	11d	1	0.65mi
5514 Long St Jacksonville, FL	2.0	1.0	941	$1,250	$1.33	2d	1	0.65mi
385 Duray Ct Jacksonville, FL	3.0	1.0	932	$1,250	$1.34	20d	1	0.65mi
567 E 55th St Jacksonville, FL	3.0	2.0	1230	$1,488	$1.21	15d	1	0.66mi
516 E 58th St Jacksonville, FL	4.0	2.0	1232	$1,725	$1.40	8d	1	0.69mi
7115 Lucky Dr W Jacksonville, FL	3.0	1.0	1158	$1,500	$1.30	24d	1	0.71mi
646 Escambia St Jacksonville, FL	3.0	2.0	1200	$1,395	$1.16	21d	1	0.72mi
664 Escambia St Jacksonville, FL	3.0	2.0	1352	$1,500	$1.11	17d	1	0.73mi
326 Basswood St Jacksonville, FL	3.0	2.0	1317	$1,550	$1.18	24d	1	0.73mi
4721 E Castlewood Dr Jacksonville, FL	3.0	1.0	1008	$1,250	$1.24	24d	1	0.76mi
343 W 60th St Jacksonville, FL	3.0	1.0	1238	$1,299	$1.05	21d	1	0.79mi
3747 Peachtree St Jacksonville, FL	3.0	2.0	1082	$1,410	$1.30	4d	1	0.81mi
3728 Silver St Jacksonville, FL	2.0	1.0	916	$1,100	$1.20	24d	1	0.81mi
118 W 28th St Jacksonville, FL	3.0	2.0	1332	$1,250	$0.94	24d	1	0.81mi
666 Basswood St Jacksonville, FL	3.0	1.0	1002	$1,400	$1.40	24d	1	0.81mi
524 E 60th St Jacksonville, FL	3.0	1.0	1212	$1,195	$0.99	8d	1	0.83mi
525 E 60th St Jacksonville, FL	3.0	2.0	1120	$1,471	$1.31	24d	1	0.85mi
26 W 27th St Jacksonville, FL	3.0	2.0	1512	$1,300	$0.86	24d	1	0.85mi
421 Golfair Blvd Jacksonville, FL	4.0	2.5	1761	$1,381	$0.78	16d	1	0.88mi

Listing history 6 events

1. 2026-06-16
   statusdays on market $70,000 Pending 8 DOM
2. 2026-06-15
   days on market $70,000 Active Under Contract 7 DOM
3. 2026-06-13
   days on market $70,000 Active Under Contract 5 DOM
4. 2026-06-13
   days on market $70,000 Active Under Contract 4 DOM
5. 2026-06-08
   remarks 503-char remark
6. 2026-06-08
   listed $70,000 Active Under Contract 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: $2,746 · $229/mo
• Projected year-2 tax: $2,746 · $229/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 · 21 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: $16,525
• − Mortgage interest: −$3,921
• − Property taxes: −$2,746
• − Insurance: −$350
• − Repairs & maintenance: −$1,322
• − Management: −$1,322
• − Depreciation: −$2,036
• Taxable income: $4,828
• Est. tax owed @ 24.0%: −$1,159
• After-tax cash flow: $4,395/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): 32,699
• Household income: $41,324
• Rent vs Own: 43.2% rent · 56.8% own
• Severe rent burden: 1765.0

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 (77%)
• Race & ethnicity: Black 77% White 16% Two or more races 4% Hispanic / Latino 3%
• Common ancestry: Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 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: ▼ -110.56%
• Current HPI: 217.9706
• Rent YoY: ▼ -1.36%
• 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

+250.0% since first listed

20 events — show timeline

• 2026-06-08 Contingent — realMLS
• 2026-05-07 Listed $70,000 realMLS
• 2022-04-05 Sold (MLS) $189,900 realMLS
• 2022-03-05 Pending — realMLS
• 2022-02-19 Relisted — realMLS
• 2022-02-17 Contingent — realMLS
• 2022-02-07 Price Changed $189,900 realMLS
• 2022-01-21 Listed $199,000 realMLS
• 2014-07-10 Sold (MLS) $21,500 realMLS
• 2014-06-17 Listed $25,400 realMLS
• 2011-04-20 Listed $25,000 realMLS
• 2007-08-23 Listing Removed — realMLS
• 2007-08-03 Sold (MLS) $105,000 realMLS
• 2007-08-01 Sold (Public Records) $105,000 Public Records
• 2007-06-01 Listed $105,000 realMLS
• 2007-01-30 Listing Removed — realMLS
• 2007-01-25 Sold (MLS) $39,601 realMLS
• 2006-12-12 Listed $38,900 realMLS
• 1991-04-01 Sold (Public Records) $38,000 Public Records
• 1988-03-01 Sold (Public Records) $20,000 Public Records

Property tax history

+7.5%/yr

Latest (2025): $2,746 · +9.4% YoY. Source: county tax records.