1544 W 26th St · Jacksonville, FL 32209

$119,900

4 bd · 2.0 ba · 1,214 sqft · SingleFamily public records · 49 Days on market

Built 1962 3,484 sqft lot Est $177k · 32% 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 +23.1/30.0
• ARV discount +15.0/15.0
• DSCR +7.4/10.0
• 1% rule +6.5/10.0
• 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

Welcome to your dream home in Jacksonville! This stunning 4-bedroom, 2-bathroom single-family property boasts 1,214 sqft of beautifully renovated living space. Freshly painted throughout, it features a completely remodeled bathroom with modern fixtures and finishes. Move-in ready and conveyed with new stainless steel appliances, this home offers ample room for family, guests, or a home office, making it the perfect place to start your next chapter. Additionally, it's a fantastic opportunity for investors looking for a turnkey property in a desirable location. Don't miss out on this incredible opportunity!

Key facts

• 3,484 sq ft lot
• Built 1962
• Listed 49 days

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: On-street parking; Other parking options
• Utilities: Public sewer; Water available; Sewer available; Cable available
• Home design: Single family residence; One story; Entry on level 1; Northwest facing
• Construction: Shingle roof; Other construction materials
• Exterior features: Covered rear porch; Full fenced yard; Paved road access

Interior

• Kitchen: Disposal; Electric range; Microwave; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Open floor plan; Primary bathroom with shower (no tub); Primary bedroom on the ground floor
• Laundry & utility: Unfurnished (no included large furniture)

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $215 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $116k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.4% 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 rising (+1.8%/yr); 394 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 $1,382/mo this rent would consume 54% 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 $829 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 49 days — a 3% lower offer ($116k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 9y 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $116,303 (3.0% below list)

Questions for the listing agent

1. It's been on market 49 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 1.15% ✓
• Cap rate: 8.45%
• Cash-on-cash: 7.69%
• DSCR: 1.34
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $177,244
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1486 W 29th St	0.17mi	4/2.0	1,235 (+2%)	4mo	$193,017	$156	86
1485 W 22nd St	0.19mi	3/2.0 (-1)	1,152 (-5%)	5mo	$195,017	$169	74
1636 W 34th St W	0.40mi	4/2.0	1,169 (-4%)	3mo	$190,000	$163	73
1337 W 22nd St W	0.32mi	4/2.0	1,357 (+12%)	3mo	$198,000	$146	63
1136 W 25th St	0.56mi	3/2.0 (-1)	1,267 (+4%)	0mo	$222,000	$175	61
1596 W 30th St	0.20mi	3/2.0 (-1)	1,052 (-13%)	4mo	$180,017	$171	60
3631 Effee St	0.47mi	3/2.0 (-1)	1,120 (-8%)	1mo	$74,000	$66	59
1404 W 18th St	0.43mi	3/1.0 (-1)	1,120 (-8%)	2mo	$80,000	$71	56
1650 W 14th St	0.57mi	3/1.0 (-1)	1,109 (-9%)	5mo	$131,000	$118	46
1478 W 11th St	0.73mi	4/2.0	1,360 (+12%)	2mo	$152,000	$112	45
2009 W 17th St	0.73mi	4/1.0	1,037 (-15%)	0mo	$60,000	$58	37
3410 N Lee St	0.73mi	3/1.0 (-1)	1,056 (-13%)	3mo	$100,000	$95	33

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: -5.9%
• Equity multiple: 0.78×
• Total profit: $-7,305
• Equity at exit: $17,877

10-year hold

• IRR: 2.2%
• Equity multiple: 1.15×
• Total profit: $4,945
• Equity at exit: $10,367

Cash invested: $33,572 (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: 394
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,382 high
• Mortgage (P&I): −$629
• Tax from tax record: −$198 /mo · $2,372/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$290
• Net cashflow: $215

Break-even live

Break-even rent $1,109

Max offer price $119,900

Occupancy floor 79%

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1609 W 24th St Jacksonville, FL	3.0	2.0	1169	$1,223	$1.05	21d	1	0.11mi
1636 W 28th St Jacksonville, FL	3.0	2.0	912	$1,375	$1.51	23d	1	0.15mi
1530 W 29th St Jacksonville, FL	3.0	2.0	1164	$1,385	$1.19	23d	1	0.15mi
1645 W 23rd St Unit 2 Jacksonville, FL	3.0	1.0	912	$1,275	$1.40	23d	1	0.18mi
1708 W 24th St Jacksonville, FL	3.0	2.0	1428	$1,250	$0.88	7d	1	0.21mi
1587 W 30th St Jacksonville, FL	3.0	1.0	1363	$1,450	$1.06	14d	1	0.21mi
1712 W 23rd St Jacksonville, FL	3.0	2.0	1200	$1,275	$1.06	23d	1	0.24mi
1737 W 28th St Jacksonville, FL	3.0	1.0	1105	$700	$0.63	23d	1	0.25mi
1431 W 21st St Jacksonville, FL	3.0	2.0	1199	$1,425	$1.19	14d	1	0.30mi
1830 W 27th St Jacksonville, FL	3.0	2.0	952	$1,375	$1.44	23d	1	0.32mi
1842 W 26th St Jacksonville, FL	3.0	2.0	933	$1,200	$1.29	23d	1	0.33mi
1490 W 33rd St Jacksonville, FL	4.0	1.5	1150	$1,150	$1.00	23d	1	0.35mi
1837 W 28th St Jacksonville, FL	3.0	2.0	1333	$1,600	$1.20	23d	1	0.35mi
1417 W 31st St Jacksonville, FL	3.0	1.0	880	$1,100	$1.25	1d	1	0.35mi
1407 W 31st St Jacksonville, FL	3.0	3.5	1140	$1,550	$1.36	23d	1	0.36mi
1410 W 20th St Jacksonville, FL	3.0	2.0	1170	$1,485	$1.27	14d	1	0.37mi
1839 W 30th St Jacksonville, FL	3.0	1.0	828	$1,050	$1.27	23d	1	0.39mi
1288 W 28th St Jacksonville, FL	4.0	1.5	1449	$1,267	$0.87	14d	1	0.39mi
1863 W 29th St Jacksonville, FL	3.0	2.0	956	$1,190	$1.24	21d	1	0.40mi
1730 W 19th St Jacksonville, FL	3.0	2.0	1323	$1,100	$0.83	1d	1	0.40mi
1220 W 28th St Jacksonville, FL	3.0	1.0	1122	$1,299	$1.16	23d	1	0.48mi
1968 W 23rd St Unit Main Jacksonville, FL	3.0	2.0	1106	$1,400	$1.27	21d	1	0.49mi
1525 W 15th St Jacksonville, FL	3.0	1.0	1100	$1,245	$1.13	23d	1	0.49mi
1971 W 22nd St Jacksonville, FL	3.0	1.0	1094	$1,095	$1.00	7d	1	0.50mi
1201 W 27th St Jacksonville, FL	3.0	2.0	1120	$1,145	$1.02	23d	1	0.51mi
1173 W 27th St Jacksonville, FL	3.0	1.0	1080	$1,145	$1.06	14d	1	0.55mi
1149 W 28th St Jacksonville, FL	4.0	2.0	1344	$1,302	$0.97	23d	1	0.58mi
2904 Moncrief Rd Jacksonville, FL	3.0	1.0	952	$1,100	$1.16	23d	1	0.63mi
2312 Fairfax St Jacksonville, FL	3.0	1.0	726	$650	$0.90	17d	1	0.64mi
2306 Fairfax St Unit 1 Jacksonville, FL	3.0	1.0	900	$700	$0.78	23d	1	0.64mi
4813 Moncrief Rd Jacksonville, FL	2.0–3.0	1.0	755	$920	$1.22	2d	8	0.65mi
1031 W 26th St Jacksonville, FL	3.0	2.0	1261	$1,445	$1.15	23d	1	0.72mi
1029 W 25th St Unit 1 Jacksonville, FL	5.0	2.0	1410	$2,200	$1.56	23d	1	0.73mi
1029 W 25th St Jacksonville, FL	5.0	2.0	800	$2,200	$2.75	10d	1	0.73mi
2604 McMillan St Jacksonville, FL	3.0	1.0	912	$1,100	$1.21	21d	1	0.73mi
1025 W 25th St Unit 1 Jacksonville, FL	5.0	2.0	1500	$2,000	$1.33	23d	1	0.74mi
1018 W 23rd St Jacksonville, FL	3.0	2.5	1161	$1,600	$1.38	23d	1	0.76mi
1867 W 41st St Jacksonville, FL	3.0	2.0	1218	$1,325	$1.09	17d	1	0.76mi
2210 Pullman Ave Jacksonville, FL	3.0	1.0	940	$1,050	$1.12	3d	1	0.79mi
5350 Dodge Rd Jacksonville, FL	3.0	1.0	1000	$1,500	$1.50	23d	1	0.80mi

Listing history 38 events

1. 2026-06-18
   days on market $119,900 Active 49 DOM
2. 2026-06-17
   days on market $119,900 Active 48 DOM
3. 2026-06-16
   days on market $119,900 Active 47 DOM
4. 2026-06-15
   days on market $119,900 Active 46 DOM
5. 2026-06-13
   days on market $119,900 Active 43 DOM
6. 2026-06-10
   days on market $119,900 Active 40 DOM
7. 2026-06-08
   days on market $119,900 Active 39 DOM
8. 2026-06-07
   days on market $119,900 Active 38 DOM
9. 2026-06-05
   days on market $119,900 Active 35 DOM
10. 2026-06-03
    days on market $119,900 Active 34 DOM
11. 2026-06-02
    days on market $119,900 Active 33 DOM
12. 2026-06-01
    days on market $119,900 Active 32 DOM
13. 2026-05-31
    days on market $119,900 Active 31 DOM
14. 2026-04-29
    listed $119,900 Active
15. 2025-02-16
    historical $1,400
16. 2025-02-11
    listed $1,400
17. 2025-02-06
    historical 612-char remark

    Show marketing remark (612 chars)

    Welcome to your dream home in Jacksonville! This stunning 4-bedroom, 2-bathroom single-family property boasts 1,214 sqft of beautifully renovated living space. Freshly painted throughout, it features a completely remodeled bathroom with modern fixtures and finishes. Move-in ready and conveyed with new stainless steel appliances, this home offers ample room for family, guests, or a home office, making it the perfect place to start your next chapter. Additionally, it's a fantastic opportunity for investors looking for a turnkey property in a desirable location. Don't miss out on this incredible opportunity!

18. 2024-12-05
    price $150,000 612-char remark

    Show marketing remark (612 chars)

    Welcome to your dream home in Jacksonville! This stunning 4-bedroom, 2-bathroom single-family property boasts 1,214 sqft of beautifully renovated living space. Freshly painted throughout, it features a completely remodeled bathroom with modern fixtures and finishes. Move-in ready and conveyed with new stainless steel appliances, this home offers ample room for family, guests, or a home office, making it the perfect place to start your next chapter. Additionally, it's a fantastic opportunity for investors looking for a turnkey property in a desirable location. Don't miss out on this incredible opportunity!

19. 2024-08-07
    historical $1,250
20. 2024-08-01
    listed $155,000 Active 612-char remark

    Show marketing remark (612 chars)

    Welcome to your dream home in Jacksonville! This stunning 4-bedroom, 2-bathroom single-family property boasts 1,214 sqft of beautifully renovated living space. Freshly painted throughout, it features a completely remodeled bathroom with modern fixtures and finishes. Move-in ready and conveyed with new stainless steel appliances, this home offers ample room for family, guests, or a home office, making it the perfect place to start your next chapter. Additionally, it's a fantastic opportunity for investors looking for a turnkey property in a desirable location. Don't miss out on this incredible opportunity!

21. 2024-07-25
    listed $1,250
22. 2023-10-29
    historical $1,200
23. 2023-10-21
    price $1,200
24. 2023-10-14
    price $1,250
25. 2023-09-10
    listed $1,300
26. 2023-07-25
    historical $1,300
27. 2023-07-22
    listed $1,300
28. 2021-04-21
    soldstatus $122,500
29. 2021-02-22
    historical 154-char remark

    Show marketing remark (154 chars)

    This GREAT investment opportunity won't last long. 4bed/2bath newly remodeled with hardwood floors and with a potential rent of $1250. Come see it today!!

30. 2021-02-19
    status Active 154-char remark

    Show marketing remark (154 chars)

    This GREAT investment opportunity won't last long. 4bed/2bath newly remodeled with hardwood floors and with a potential rent of $1250. Come see it today!!

31. 2021-02-12
    historical 154-char remark

    Show marketing remark (154 chars)

    This GREAT investment opportunity won't last long. 4bed/2bath newly remodeled with hardwood floors and with a potential rent of $1250. Come see it today!!

32. 2021-02-04
    price $129,500 154-char remark

    Show marketing remark (154 chars)

    This GREAT investment opportunity won't last long. 4bed/2bath newly remodeled with hardwood floors and with a potential rent of $1250. Come see it today!!

33. 2021-02-04
    listed $141,500 Active 154-char remark

    Show marketing remark (154 chars)

    This GREAT investment opportunity won't last long. 4bed/2bath newly remodeled with hardwood floors and with a potential rent of $1250. Come see it today!!

34. 2017-05-11
    soldstatus $25,000 Sold
35. 2017-05-02
    status Pending
36. 2017-05-01
    historical Active - Contingent
37. 2017-03-29
    listed $30,000 Active
38. 2006-11-09
    soldstatus $55,000

ⓘ 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: $2,372 · $198/mo
• Projected year-2 tax: $2,372 · $198/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 · 20 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: $16,581
• − Mortgage interest: −$6,716
• − Property taxes: −$2,372
• − Insurance: −$600
• − Repairs & maintenance: −$1,327
• − Management: −$1,327
• − Depreciation: −$3,488
• Taxable income: $753
• Est. tax owed @ 24.0%: −$181
• After-tax cash flow: $2,402/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

+118.0% since first listed

25 events — show timeline

• 2026-04-29 Listed $119,900 realMLS
• 2025-02-16 Rental Removed $1,400 BUILDIUM
• 2025-02-11 Listed for Rent $1,400 BUILDIUM
• 2025-02-06 Listing Removed — realMLS
• 2024-12-05 Price Changed $150,000 realMLS
• 2024-08-07 Rental Removed $1,250 BUILDIUM
• 2024-08-01 Listed $155,000 realMLS
• 2024-07-25 Listed for Rent $1,250 BUILDIUM
• 2023-10-29 Rental Removed $1,200 BUILDIUM
• 2023-10-21 Price Changed $1,200 BUILDIUM
• 2023-10-14 Price Changed $1,250 BUILDIUM
• 2023-09-10 Listed for Rent $1,300 BUILDIUM
• 2023-07-25 Rental Removed $1,300 BUILDIUM
• 2023-07-22 Listed for Rent $1,300 BUILDIUM
• 2021-04-21 Sold (Public Records) $122,500 Public Records
• 2021-02-22 Listing Removed — realMLS
• 2021-02-19 Relisted — realMLS
• 2021-02-12 Listing Removed — realMLS
• 2021-02-04 Price Changed $129,500 realMLS
• 2021-02-04 Listed $141,500 realMLS
• 2017-05-11 Sold (MLS) $25,000 realMLS
• 2017-05-02 Pending — realMLS
• 2017-05-01 Contingent — realMLS
• 2017-03-29 Listed $30,000 realMLS
• 2006-11-09 Sold (Public Records) $55,000 Public Records

Property tax history

+13.5%/yr

Latest (2025): $2,372 · +12.1% YoY. Source: county tax records.