5114 Roanoke Blvd · Jacksonville, FL 32208

$149,900

3 bd · 2.0 ba · 936 sqft · SingleFamily public records · 229 Days on market

Built 1964 9,147 sqft lot Est $149k · at est. ↓ 29% since listing

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Why this score? — see what drove the D 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 +14.9/30.0
• ARV discount +7.2/15.0
• DSCR +4.5/10.0
• 1% rule +4.3/10.0
• 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

Price improvement - Now 149,900. Back on market with major updates completed! This solid brick 3-bedroom, 1.5-bath home has recently undergone key improvements including electrical repairs, a newly installed water heater, and structural updates to the carport. Situated on a spacious lot, this property offers a great opportunity for homeowners and investors. Portions of the plumbing have already been updated, with a cost-effective path available for completion. Priced to sell and ready for its next owner Solid full-brick home on a 9,317 sq ft lot! This beautifully updated 3-bedroom, 1½-bath offers long-lasting construction plus modern finishes. Features include a new roof, fully updat

Key facts

• Laminate flooring
• Fresh paint
• Ceiling fans

Tags

• NEW ROOF
• FULLY UPDATED ELECTRICAL
• FRESH PAINT
• LAMINATE FLOORING
• TILE FLOORING
• CEILING FANS

Property features AI

Exterior

• Parking: Attached garage; 1-space carport
• Utilities: Public sewer; Water connected; Sewer connected; Electricity connected; Cable available; Energy-efficient appliances
• Home design: Single-family residence; One story
• Construction: Brick construction; Other roof
• Exterior features: Back yard fencing; City street frontage with asphalt road

Interior

• Kitchen: Electric range; Microwave
• Bedrooms: 3 bedrooms (all on main level)
• Flooring: Laminate flooring; Tile flooring; Painted concrete flooring
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Ceiling fans; His-and-hers closets; Pantry
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $43 ($515/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 $139k (7.0% below list).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.6% 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.
• Zoned schools: Grasp Academy (math 18% / reading 14%, grade F, #2,130 of 2,144 statewide, top 99%, 271 students, 52% FRL); Jean Ribault Middle School (math 28% / reading 24%, grade F, #506 of 571 statewide, top 89%, 679 students, 78% FRL); Jean Ribault High School (math 22% / reading 25%, grade F, #533 of 667 statewide, top 80%, 1,385 students, 71% FRL) — zoned schools average 67% FRL vs 49% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 22% at this address vs 46% district-wide (-24 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-1.4%/yr); 294 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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 $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

• It's been on market 229 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $60k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $131,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 229 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 1964 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.93% ✗
• Cap rate: 6.64%
• Cash-on-cash: 1.23%
• DSCR: 1.05
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $148,824
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5114 Roanoke Blvd	0.00mi	3/1.5	936 (0%)	1mo	$149,900	$160	97
9504 Flechette Ave	0.19mi	3/1.5	932 (-0%)	6mo	$133,500	$143	84
5115 Locksley Ave	0.28mi	3/1.5	936 (0%)	2mo	$110,000	$118	83
9715 Flechette Ave	0.30mi	3/1.5	988 (+6%)	4mo	$144,500	$146	72
9604 Flechette Ave	0.23mi	3/1.5	868 (-7%)	7mo	$57,000	$66	69
4637 Williamsburg Ave	0.53mi	3/1.0	942 (+1%)	8mo	$88,000	$93	64
5015 Portsmouth Ave	0.18mi	3/2.0	1,056 (+13%)	11mo	$168,000	$159	61
4656 Colchester Rd	0.40mi	3/1.0	887 (-5%)	12mo	$148,000	$167	59
9926 Frankella Rd	0.45mi	2/1.0 (-1)	866 (-8%)	1mo	$135,000	$156	56
5822 Trout River Blvd	0.69mi	4/2.0 (+1)	1,008 (+8%)	2mo	$201,000	$199	49
4620 Bristol Ave	0.49mi	3/2.0	1,050 (+12%)	12mo	$198,000	$189	47
8917 Devonshire Blvd	0.61mi	3/1.0	851 (-9%)	13mo	$148,000	$174	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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.8%
• Equity multiple: 0.39×
• Total profit: $-25,607
• Equity at exit: $22,351

10-year hold

• IRR: -17.3%
• Equity multiple: 0.18×
• Total profit: $-34,424
• Equity at exit: $12,961

Cash invested: $41,972 (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: 294
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,394 high
• Mortgage (P&I): −$786
• Tax from tax record: −$210 /mo · $2,516/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$293
• Net cashflow: $43

Break-even live

Break-even rent $1,339

Max offer price $149,900

Occupancy floor 92%

Sensitivity live

Price	-10% $128	-5% $85	+0% $43	+5% $0	+10% $-42
Rent	-10% $-67	-5% $-12	+0% $43	+5% $98	+10% $153
Rate	-1.0pp $118	-0.5pp $81	base $43	+0.5pp $4	+1.0pp $-35

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9436 Gisborne Dr Jacksonville, FL	3.0	1.5	950	$1,440	$1.52	22d	1	0.09mi
4935 Portsmouth Ave Jacksonville, FL	3.0	1.0	894	$1,163	$1.30	12d	1	0.16mi
9561 Norfolk Blvd Jacksonville, FL	3.0	1.5	934	$1,350	$1.45	3d	1	0.26mi
9348 Culpeper Ave Jacksonville, FL	3.0	1.0	882	$1,195	$1.35	25d	1	0.33mi
4662 Roanoke Blvd Jacksonville, FL	3.0	2.0	1104	$1,195	$1.08	15d	1	0.37mi
9206 Greenleaf Rd Jacksonville, FL	3.0	1.5	888	$1,400	$1.58	19d	1	0.38mi
9658 Gibson Ave Jacksonville, FL	3.0	1.5	977	$1,225	$1.25	25d	1	0.83mi
8119 Siskin Ave Jacksonville, FL	2.0	2.0	1102	$1,650	$1.50	25d	1	0.91mi
8119 Siskin Ave Jacksonville, FL	2.0	2.0	1102	$1,650	$1.50	19d	1	0.91mi
4655 Ken Knight Dr N Jacksonville, FL	2.0	1.0	646	$600	$0.93	25d	1	1.29mi
4440 Ken Knight Dr N Jacksonville, FL	2.0	1.0	716	$650	$0.91	16d	1	1.38mi
7623 John F Kennedy Dr E Jacksonville, FL	3.0	1.5	1008	$1,501	$1.49	25d	1	1.44mi
4543 Moncrief Rd W Jacksonville, FL	2.0	1.0	950	$1,075	$1.13	9d	1	1.46mi

Listing history 12 events

1. 2026-05-22
   soldstatus $149,900 Closed
2. 2026-05-01
   status Pending
3. 2026-04-20
   historical Active Under Contract
4. 2026-04-11
   price $149,900
5. 2026-03-26
   price $154,900
6. 2026-03-04
   status Active
7. 2026-02-26
   status Pending
8. 2026-01-20
   price $159,900
9. 2026-01-07
   price $164,900
10. 2025-12-01
    price $175,400
11. 2025-10-14
    price $199,900
12. 2025-09-07
    listed $209,900 Active

ⓘ 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: $2,516 · $210/mo
• Projected year-2 tax: $2,516 · $210/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 4/10 Moderate FEMA zone X (unshaded) · 13% chance over 30 yrs
• 🔥 Wildfire 2/10 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: $16,726
• − Mortgage interest: −$8,397
• − Property taxes: −$2,516
• − Insurance: −$750
• − Repairs & maintenance: −$1,338
• − Management: −$1,338
• − Depreciation: −$4,361
• Taxable loss: −$1,973
• Est. tax savings @ 24.0%: +$474
• After-tax cash flow: $988/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

-28.6% since first listed

12 events — show timeline

• 2026-05-22 Sold (MLS) $149,900 realMLS
• 2026-05-01 Pending — realMLS
• 2026-04-20 Contingent — realMLS
• 2026-04-11 Price Changed $149,900 realMLS
• 2026-03-26 Price Changed $154,900 realMLS
• 2026-03-04 Relisted — realMLS
• 2026-02-26 Pending — realMLS
• 2026-01-20 Price Changed $159,900 realMLS
• 2026-01-07 Price Changed $164,900 realMLS
• 2025-12-01 Price Changed $175,400 realMLS
• 2025-10-14 Price Changed $199,900 realMLS
• 2025-09-07 Listed $209,900 realMLS

Property tax history

+14.0%/yr

Latest (2025): $2,516 · +14.2% YoY. Source: county tax records.