8427 Mc Glothlin St #1 · Jacksonville, FL 32210

$150,000

3 bd · 2.0 ba · 1,216 sqft · Manufactured public records · 1 Days on market

Built 1995 6,098 sqft lot Est $156k · at est.

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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 +24.4/30.0
• ARV discount +9.1/15.0
• DSCR +7.9/10.0
• 1% rule +5.0/10.0
• 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

Affordable homeownership with the land included! Don't miss this beautifully updated 2-bedroom, 2-bath home offering 1,216 sq. ft. on a 50' x 125' lot in a convenient Jacksonville location. FHA and VA financing may be available for qualified buyers. Surrounded by newer homes selling for $300,000+, this move-in ready property offers exceptional value. Inside you'll find a desirable split-bedroom floor plan, huge open kitchen, new flooring, fresh interior paint, and updated bathrooms. Major improvements have already been completed, including a newer roof, newer central HVAC system, newer drainfield, custom wood skirting, and a new wood privacy-fenced backyard. Whether you're a first-time home

Key facts

• Custom wood skirting
• Newer roof
• Land included

Tags

• LAND INCLUDED
• NEWER ROOF
• NEWER CENTRAL HVAC SYSTEM
• NEWER DRAINFIELD
• CUSTOM WOOD SKIRTING

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Additional parking available; On-street parking
• Utilities: Septic tank; Electricity connected; Water connected
• Home design: Manufactured home; Single-family / residential use
• Construction: Mobile home construction
• Exterior features: Shingle roof; City street frontage; Asphalt road surface; Lot about 0.14 acres

Interior

• Kitchen: Electric oven; Electric range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating (heat pump); Central air conditioning
• Interior features: Wood flooring; Central heating; Electric heat pump; Central air conditioning
• Laundry & utility: Washer hookup in unit; Electric dryer hookup in unit

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $150k.

Deal economics

• At list price, monthly cash flow is $304 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Cap rate 8.7% 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 (+2.1%/yr); 441 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $56k; list at $150k implies a 168% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: 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 $150,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.00% ✓
• Cap rate: 8.72%
• Cash-on-cash: 8.67%
• DSCR: 1.39
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $155,648
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8427 Nussbaum Dr	0.06mi	3/2.0	1,216 (0%)	17mo	$148,000	$122	83
8317 Mc Glothlin St	0.15mi	4/2.0 (+1)	1,296 (+7%)	9mo	$178,000	$137	69
8350 Osteen St	0.22mi	2/2.0 (-1)	1,152 (-5%)	11mo	$135,395	$118	67
8735 Nussbaum Dr	0.39mi	3/2.0	1,104 (-9%)	4mo	$45,000	$41	63
4526 Lambing Rd	0.51mi	3/2.0	1,233 (+1%)	16mo	$198,900	$161	61
8145 Maple St	0.64mi	3/2.0	1,152 (-5%)	4mo	$160,000	$139	58
8164 Maple St	0.65mi	3/2.0	1,248 (+3%)	14mo	$160,000	$128	54
8170 April St	0.51mi	3/2.0	1,380 (+14%)	14mo	$121,000	$88	42

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 · 2.11% rent growth · sell at horizon

5-year hold

• IRR: -4.1%
• Equity multiple: 0.85×
• Total profit: $-6,374
• Equity at exit: $22,365

10-year hold

• IRR: 4.6%
• Equity multiple: 1.33×
• Total profit: $13,685
• Equity at exit: $12,969

Cash invested: $42,000 (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 32210

• Rents YoY: 2.1%
• Active inventory: 441
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,501 high
• Mortgage (P&I): −$787
• Tax from tax record: −$33 /mo · $401/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$315
• Net cashflow: $304

Break-even live

Break-even rent $1,117

Max offer price $150,000

Occupancy floor 75%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8443 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,381	$1.04	7d	1	0.24mi
8419 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,400	$1.06	2d	1	0.24mi
8485 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,381	$1.04	24d	1	0.25mi
8493 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,381	$1.04	21d	1	0.25mi
8402 McGirts Village Ln Unit 7E Jacksonville, FL	2.0	2.5	1319	$1,198	$0.91	7d	1	0.27mi
8460 McGirts Village Ln Jacksonville, FL	3.0	2.5	1325	$1,482	$1.12	7d	1	0.27mi
8727 Osteen St Jacksonville, FL	3.0	2.0	1230	$1,546	$1.26	10d	1	0.38mi
8515 Maple St Jacksonville, FL	3.0	2.0	1255	$1,499	$1.19	3d	1	0.52mi
8148 Metto Rd Jacksonville, FL	3.0	2.0	1209	$1,576	$1.30	3d	1	0.55mi
8518 Maple St Jacksonville, FL	3.0	2.0	1460	$1,623	$1.11	16d	1	0.55mi
5770 Brannon Ave Unit 2 Jacksonville, FL	2.0	2.0	800	$1,095	$1.37	7d	1	0.58mi
8341 Homeport Ct Jacksonville, FL	3.0	2.5	1296	$1,800	$1.39	24d	1	0.62mi
8329 Homeport Ct Jacksonville, FL	3.0	2.5	1281	$1,695	$1.32	14d	1	0.62mi
8050 103rd St Jacksonville, FL	1.0–3.0	1.0–2.0	1025	$1,575	$1.54	2d	11	0.62mi
5937 Camaro Dr W Jacksonville, FL	3.0	1.5	1052	$1,595	$1.52	24d	1	0.73mi
7911 Melvin Rd Jacksonville, FL	3.0	2.5	1471	$1,740	$1.18	2d	1	0.73mi
4706 Playpen Dr Jacksonville, FL	2.0	2.5	1330	$1,321	$0.99	7d	1	0.73mi
5150 Playpen Dr Unit 2-1 Jacksonville, FL	3.0	2.0	1157	$1,225	$1.06	4d	1	0.74mi
5150 Playpen Dr #4 Jacksonville, FL	2.0	2.0	1118	$1,200	$1.07	21d	1	0.74mi
4807 Playpen Dr Jacksonville, FL	2.0	2.5	1204	$1,322	$1.10	3d	1	0.75mi
7887 Melvin Rd Jacksonville, FL	2.0	2.5	1153	$1,600	$1.39	24d	1	0.76mi
7880 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,495	$1.12	16d	1	0.76mi
7875 Melvin Rd Jacksonville, FL	3.0	2.5	1464	$1,650	$1.13	4d	1	0.77mi
8472 Fury Dr Jacksonville, FL	4.0	2.0	1326	$1,780	$1.34	24d	1	0.79mi
7840 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,398	$1.04	14d	1	0.80mi
7818 Melvin Rd Jacksonville, FL	2.0	2.5	1153	$1,400	$1.21	3d	1	0.82mi
7806 Melvin Rd Jacksonville, FL	2.0	2.5	1200	$1,395	$1.16	16d	1	0.83mi
7806 Melvin Rd Jacksonville, FL	2.0	2.5	1153	$1,295	$1.12	7d	1	0.83mi
7948 Austin Rd Jacksonville, FL	3.0	2.0	1335	$1,775	$1.33	4d	1	0.84mi
7800 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,361	$1.02	14d	1	0.84mi
7978 Renault Dr Jacksonville, FL	3.0	2.0	1080	$1,850	$1.71	24d	1	0.84mi
7796 Playschool Ln Jacksonville, FL	3.0	2.5	1339	$1,375	$1.03	24d	1	0.85mi
7947 Renault Dr Jacksonville, FL	3.0	2.0	1285	$1,500	$1.17	17d	1	0.85mi
7765 Highchair Ln Jacksonville, FL	2.0	2.5	1204	$1,375	$1.14	14d	1	0.86mi
7901 Austin Rd Jacksonville, FL	3.0	2.0	1268	$1,815	$1.43	24d	1	0.87mi
5018 Westchase Ct Unit 3 Jacksonville, FL	2.0	1.0	729	$995	$1.36	24d	1	0.90mi
5120 Westchase Ct #1 Jacksonville, FL	2.0	1.5	729	$945	$1.30	24d	1	0.91mi
5136 Westchase Ct Unit 2 Jacksonville, FL	2.0	1.0	729	$950	$1.30	24d	1	0.91mi
5144 Westchase Ct Unit 1 Jacksonville, FL	2.0	1.0	750	$800	$1.07	24d	1	0.91mi
5224 Westchase Ct #3 Jacksonville, FL	2.0	1.0	776	$896	$1.15	20d	1	0.91mi

Listing history 2 events

1. 2026-06-10
   remarks 699-char remark
2. 2026-06-10
   listed $150,000 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: $401 · $33/mo
• Projected year-2 tax: $1,245 · $104/mo
• Expected delta: +$844/yr (+$70/mo · 210.6%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,017
• − Mortgage interest: −$8,402
• − Property taxes: −$401
• − Insurance: −$750
• − Repairs & maintenance: −$1,441
• − Management: −$1,441
• − Depreciation: −$4,364
• Taxable income: $1,218
• Est. tax owed @ 24.0%: −$292
• After-tax cash flow: $3,351/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): 65,729
• Household income: $61,050
• Rent vs Own: 42.6% rent · 57.4% own
• Severe rent burden: 3605.0

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 43% Black 38% Hispanic / Latino 10% Two or more races 7% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 3%
• Common ancestry: Slovak 2% Hispanic 2% Italian 1%
• Foreign-born: 10% · Canada, Vietnam, China
• Languages at home: 86% English-only · Spanish 7% French/Haitian/Cajun 2% Tagalog/Filipino 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: ▼ -314.81%
• Current HPI: 281.2688
• Rent YoY: ▲ 2.11%
• 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

+476.9% since first listed

3 events — show timeline

• 2026-06-09 Listed $150,000 realMLS
• 2025-03-06 Sold (Public Records) $56,000 Public Records
• 2007-10-15 Sold (Public Records) $26,000 Public Records

Property tax history

+8.1%/yr

Latest (2025): $401 · +86.6% YoY. Source: county tax records.