1375 Agnes St · Jacksonville, FL 32208

$116,000

2 bd · 1.0 ba · 1,234 sqft · SingleFamily public records · 226 Days on market

Built 1938 0.64 ac lot Est $172k · 32% 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 +21.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.7/10.0
• 1% rule +5.7/10.0
• 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

Come see this inviting 2-bedroom, 1-bath home situated on a large corner lot with plenty of yard space to enjoy. The family room is generously sized and offers potential for conversion into an additional bedroom or could be used for various purposes to fit your needs. The roof is under 3 years old, ensuring peace of mind for years to come. Inside, you'll find a convenient indoor laundry room and a nice-sized carport. Additionally, there's a detached shed on the side of the house for extra storage. This home is just minutes from downtown and offers easy access to Jacksonville's major highways, making commuting a breeze. The property is being sold As-Is.

Key facts

• Attached carport
• Newer roof
• Bonus room

Tags

• FENCED CORNER LOT
• LANDSCAPED YARD
• NEWER ROOF
• INDOOR LAUNDRY ROOM
• BONUS ROOM
• ATTACHED CARPORT

Property features AI

Finance

• Financial info: Property used as an investment (income/expenses not provided)
• HOA & community: Not a senior community

Exterior

• Parking: Attached garage; Carport (1 space); Additional parking
• Utilities: Septic tank; Cable available; Electricity available; Water available
• Home design: Single family residence; Used as investment and residential single family
• Construction: Shingle roof
• Exterior features: Covered patio/porch; Fenced yard with chain link fencing; Corner lot; City street frontage; Asphalt road surface; Shed(s) and other outbuilding(s)

Interior

• Kitchen: Includes appliances (other)
• Bedrooms: 3 bedrooms
• Flooring: Tile flooring; Wood flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Wall/window air conditioning units
• Interior features: Eat-in kitchen; Primary bathroom with tub and shower
• Laundry & utility: Unfurnished (no built-in laundry indicated)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $116k.

Deal economics

• At list price, monthly cash flow is $165 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $116k).
• Recommended offer: $102k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% 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 36% 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 $802 of loan paydown is wiped out by about $3k 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 226 days — a 12% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 8y ago; this cycle's ask has dropped $80k (41%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $50k; list at $116k implies a 132% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1938 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $102,080 (12.0% below list)

Questions for the listing agent

1. It's been on market 226 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 1938 — 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. 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.
7. 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.
8. 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: 1.07% ✓
• Cap rate: 8.00%
• Cash-on-cash: 6.08%
• DSCR: 1.27
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $171,526
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
918 Deerwood Cir S	0.33mi	3/2.0 (+1)	1,209 (-2%)	3mo	$235,000	$194	70
5664 Doeboy St	0.32mi	3/2.0 (+1)	1,230 (-0%)	7mo	$235,020	$191	70
1230 Kennard St	0.33mi	3/2.0 (+1)	1,209 (-2%)	8mo	$240,000	$199	66
930 Kenmore St	0.62mi	3/2.0 (+1)	1,253 (+2%)	4mo	$182,990	$146	56
884 Kennard St	0.65mi	3/1.0 (+1)	1,286 (+4%)	7mo	$195,000	$152	52
940 Glencarin St	0.57mi	3/1.0 (+1)	1,144 (-7%)	5mo	$107,000	$94	52
1224 Kennard St	0.34mi	3/2.0 (+1)	1,092 (-12%)	6mo	$50,000	$46	51
918 Glencarin St	0.58mi	2/1.0	1,400 (+14%)	0mo	$195,000	$139	50
1011 Glencarin St	0.52mi	3/1.0 (+1)	1,061 (-14%)	7mo	$90,000	$85	41
6320 Norwood Ave	0.66mi	2/1.0	1,050 (-15%)	7mo	$65,601	$62	39
1508 Golf Forest Dr	0.63mi	3/2.0 (+1)	1,100 (-11%)	8mo	$150,000	$136	37
7746 Calvin St	0.70mi	3/2.0 (+1)	1,392 (+13%)	8mo	$175,000	$126	30

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: -10.4%
• Equity multiple: 0.63×
• Total profit: $-11,909
• Equity at exit: $17,296

10-year hold

• IRR: -5.9%
• Equity multiple: 0.67×
• Total profit: $-10,772
• Equity at exit: $10,030

Cash invested: $32,480 (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: 7.8×

Monthly cashflow live

• Estimated rent: $1,237 high
• Mortgage (P&I): −$608
• Tax from tax record: −$156 /mo · $1,870/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$260
• Net cashflow: $165

Break-even live

Break-even rent $1,028

Max offer price $116,000

Occupancy floor 82%

Sensitivity live

Price	-10% $230	-5% $197	+0% $165	+5% $132	+10% $99
Rent	-10% $67	-5% $116	+0% $165	+5% $214	+10% $262
Rate	-1.0pp $223	-0.5pp $194	base $165	+0.5pp $135	+1.0pp $104

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: $29,000
• Closing costs: $3,480
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7350 Linda Dr Jacksonville, FL	1.0	1.0	954	$795	$0.83	8d	1	0.36mi
5903 Droad St Jacksonville, FL	3.0	1.0	1161	$1,400	$1.21	3d	1	0.44mi
961 Dorchester St Jacksonville, FL	2.0	1.0	884	$1,025	$1.16	3d	1	0.47mi
1567 Rutledge Ave Jacksonville, FL	3.0	2.0	1050	$1,113	$1.06	24d	1	0.52mi
920 Alderside St Jacksonville, FL	3.0	1.0	1255	$1,195	$0.95	5d	1	0.57mi
7927 Reid Ave Jacksonville, FL	3.0	1.0	1055	$1,500	$1.42	24d	1	0.59mi
1136 Maynard St Jacksonville, FL	2.0	1.0	919	$1,045	$1.14	24d	1	0.66mi
1536 W 45th St Jacksonville, FL	2.0	1.0	800	$1,050	$1.31	24d	1	0.67mi
1750 Rutledge Ave Jacksonville, FL	3.0	2.0	1250	$1,358	$1.09	15d	1	0.78mi
851 Broxton St Unit 851 Jacksonville, FL	1.0	1.0	700	$875	$1.25	18d	1	0.78mi
1348 Crestwood St Jacksonville, FL	3.0	1.0	1300	$1,100	$0.85	24d	1	0.78mi
5736 Teeler Ave Jacksonville, FL	3.0	1.0	852	$1,000	$1.17	24d	1	0.79mi
7210 Elwood Ave Jacksonville, FL	2.0	1.0	831	$995	$1.20	22d	1	0.80mi
7511 N Shore Dr Jacksonville, FL	2.0	1.0	1014	$1,350	$1.33	5d	1	0.90mi
7124 Lorain St Jacksonville, FL	3.0	1.0	864	$1,043	$1.21	3d	1	0.94mi
664 Escambia St Jacksonville, FL	3.0	2.0	1352	$1,500	$1.11	18d	1	0.96mi
535 W 59th St Jacksonville, FL	3.0	2.0	816	$1,395	$1.71	8d	1	0.96mi
646 Escambia St Jacksonville, FL	3.0	2.0	1200	$1,395	$1.16	22d	1	0.96mi
472 W 65th St Jacksonville, FL	3.0	1.0	1312	$1,295	$0.99	22d	1	0.98mi
1021 Lake Forest Blvd Jacksonville, FL	3.0	1.0	1393	$1,290	$0.93	3d	1	1.01mi
2312 Palmdale St Jacksonville, FL	3.0	2.0	972	$1,231	$1.27	24d	1	1.01mi
4813 Moncrief Rd Jacksonville, FL	2.0–3.0	1.0	755	$870	$1.15	3d	8	1.05mi
912 Saratoga Blvd Jacksonville, FL	3.0	1.0	930	$1,250	$1.34	24d	1	1.06mi
6460 Lanark Ave Jacksonville, FL	2.0	1.0	708	$1,095	$1.55	24d	1	1.06mi
1834 Meharry Ave Jacksonville, FL	3.0	1.0	1291	$1,295	$1.00	5d	1	1.07mi
8617 3rd Ave Jacksonville, FL	3.0	1.0	1048	$1,200	$1.15	11d	1	1.09mi
5616 Calvin Ave Jacksonville, FL	3.0	1.0	1008	$1,195	$1.19	8d	1	1.09mi
385 Duray Ct Jacksonville, FL	3.0	1.0	932	$1,250	$1.34	20d	1	1.09mi
5514 Long St Jacksonville, FL	2.0	1.0	941	$1,250	$1.33	2d	1	1.10mi
5352 Dodge Rd Jacksonville, FL	3.0	2.0	1050	$1,261	$1.20	24d	1	1.11mi
8642 2nd Ave Jacksonville, FL	3.0	2.0	1074	$1,245	$1.16	2d	1	1.12mi
1803 W 44th St Unit 1803 Jacksonville, FL	2.0	1.0	750	$950	$1.27	8d	1	1.12mi
8253 Lexington Dr Jacksonville, FL	3.0	1.0	910	$1,330	$1.46	24d	1	1.13mi
356 Duray Ct Jacksonville, FL	3.0	2.0	1070	$1,425	$1.33	14d	1	1.13mi
5350 Dodge Rd Jacksonville, FL	3.0	1.0	1000	$1,500	$1.50	24d	1	1.13mi
1823 W 44th St Jacksonville, FL	3.0	2.0	1066	$1,500	$1.41	24d	1	1.13mi
1975 Rugby Rd Jacksonville, FL	2.0	1.0	992	$1,100	$1.11	8d	1	1.13mi
343 W 60th St Jacksonville, FL	3.0	1.0	1238	$1,299	$1.05	22d	1	1.14mi
346 W 68th St Jacksonville, FL	3.0	1.0	1114	$1,385	$1.24	5d	1	1.17mi
8663 5th Ave Jacksonville, FL	2.0	1.0	720	$1,045	$1.45	24d	1	1.18mi

Listing history 32 events

1. 2026-06-18
   days on market $116,000 Active 226 DOM
2. 2026-06-17
   days on market $116,000 Active 225 DOM
3. 2026-06-16
   days on market $116,000 Active 224 DOM
4. 2026-06-15
   days on market $116,000 Active 223 DOM
5. 2026-06-10
   days on market $116,000 Active 217 DOM
6. 2026-06-08
   days on market $116,000 Active 216 DOM
7. 2026-06-08
   days on market $116,000 Active 215 DOM
8. 2026-06-03
   days on market $116,000 Active 211 DOM
9. 2026-06-02
   days on market $116,000 Active 210 DOM
10. 2026-06-01
    days on market $116,000 Active 209 DOM
11. 2026-05-31
    days on market $116,000 Active 208 DOM
12. 2026-04-24
    price $116,000
13. 2026-03-06
    price $136,000
14. 2026-03-05
    status Active
15. 2026-02-23
    status Pending
16. 2025-12-11
    price $175,000
17. 2025-10-25
    listed $196,000 Active
18. 2025-09-15
    historical 663-char remark

    Show marketing remark (663 chars)

    Come see this inviting 2-bedroom, 1-bath home situated on a large corner lot with plenty of yard space to enjoy. The family room is generously sized and offers potential for conversion into an additional bedroom or could be used for various purposes to fit your needs. The roof is under 3 years old, ensuring peace of mind for years to come. Inside, you'll find a convenient indoor laundry room and a nice-sized carport. Additionally, there's a detached shed on the side of the house for extra storage. This home is just minutes from downtown and offers easy access to Jacksonville's major highways, making commuting a breeze. The property is being sold As-Is.

19. 2025-03-15
    listed $176,000 Active 663-char remark

    Show marketing remark (663 chars)

    Come see this inviting 2-bedroom, 1-bath home situated on a large corner lot with plenty of yard space to enjoy. The family room is generously sized and offers potential for conversion into an additional bedroom or could be used for various purposes to fit your needs. The roof is under 3 years old, ensuring peace of mind for years to come. Inside, you'll find a convenient indoor laundry room and a nice-sized carport. Additionally, there's a detached shed on the side of the house for extra storage. This home is just minutes from downtown and offers easy access to Jacksonville's major highways, making commuting a breeze. The property is being sold As-Is.

20. 2025-01-25
    historical 344-char remark

    Show marketing remark (344 chars)

    Come see this spacious 2 bedroom/1bath home located on a large corner lot. with plenty of yard space. It has a new roof (2022), an indoor laundry room and a nice sized carport. It has a detached shed on the side of the house. This home is minutes from downtown and has easy access to Jacksonville's major highways. Home is being sold As-Is.

21. 2024-08-04
    status Active 344-char remark

    Show marketing remark (344 chars)

    Come see this spacious 2 bedroom/1bath home located on a large corner lot. with plenty of yard space. It has a new roof (2022), an indoor laundry room and a nice sized carport. It has a detached shed on the side of the house. This home is minutes from downtown and has easy access to Jacksonville's major highways. Home is being sold As-Is.

22. 2024-08-04
    price $200,000 344-char remark

    Show marketing remark (344 chars)

    Come see this spacious 2 bedroom/1bath home located on a large corner lot. with plenty of yard space. It has a new roof (2022), an indoor laundry room and a nice sized carport. It has a detached shed on the side of the house. This home is minutes from downtown and has easy access to Jacksonville's major highways. Home is being sold As-Is.

23. 2024-07-25
    historical 344-char remark

    Show marketing remark (344 chars)

    Come see this spacious 2 bedroom/1bath home located on a large corner lot. with plenty of yard space. It has a new roof (2022), an indoor laundry room and a nice sized carport. It has a detached shed on the side of the house. This home is minutes from downtown and has easy access to Jacksonville's major highways. Home is being sold As-Is.

24. 2024-01-25
    listed $230,000 Active 344-char remark

    Show marketing remark (344 chars)

    Come see this spacious 2 bedroom/1bath home located on a large corner lot. with plenty of yard space. It has a new roof (2022), an indoor laundry room and a nice sized carport. It has a detached shed on the side of the house. This home is minutes from downtown and has easy access to Jacksonville's major highways. Home is being sold As-Is.

25. 2022-09-13
    historical
26. 2022-03-03
    price $160,000
27. 2021-11-08
    listed $115,000 Active
28. 2019-06-22
    historical
29. 2018-12-24
    listed $59,900 Active
30. 2018-05-18
    historical
31. 2018-05-03
    listed $59,900 Active
32. 2007-09-20
    soldstatus $50,000

ⓘ 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: $1,870 · $156/mo
• Projected year-2 tax: $1,870 · $156/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 6/10 Major FEMA zone X (unshaded) · 74% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 19 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: $14,842
• − Mortgage interest: −$6,498
• − Property taxes: −$1,870
• − Insurance: −$580
• − Repairs & maintenance: −$1,187
• − Management: −$1,187
• − Depreciation: −$3,375
• Taxable income: $145
• Est. tax owed @ 24.0%: −$35
• After-tax cash flow: $1,941/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

+132.0% since first listed

21 events — show timeline

• 2026-04-24 Price Changed $116,000 realMLS
• 2026-03-06 Price Changed $136,000 realMLS
• 2026-03-05 Relisted — realMLS
• 2026-02-23 Pending — realMLS
• 2025-12-11 Price Changed $175,000 realMLS
• 2025-10-25 Listed $196,000 realMLS
• 2025-09-15 Listing Removed — realMLS
• 2025-03-15 Listed $176,000 realMLS
• 2025-01-25 Listing Removed — realMLS
• 2024-08-04 Relisted — realMLS
• 2024-08-04 Price Changed $200,000 realMLS
• 2024-07-25 Listing Removed — realMLS
• 2024-01-25 Listed $230,000 realMLS
• 2022-09-13 Listing Removed — realMLS
• 2022-03-03 Price Changed $160,000 realMLS
• 2021-11-08 Listed $115,000 realMLS
• 2019-06-22 Listing Removed — realMLS
• 2018-12-24 Listed $59,900 realMLS
• 2018-05-18 Listing Removed — realMLS
• 2018-05-03 Listed $59,900 realMLS
• 2007-09-20 Sold (Public Records) $50,000 Public Records

Property tax history

+6.8%/yr

Latest (2025): $1,870 · +22.4% YoY. Source: county tax records.