3645 Edison Ave · Jacksonville, FL 32254

$169,400

3 bd · 1.0 ba · 1,097 sqft · SingleFamily public records · 76 Days on market

Built 1986 5,227 sqft lot Est $204k · 17% under

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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).

• ARV discount +15.0/15.0
• Cash flow +13.1/30.0
• Appreciation +6.7/10.0
• Livability +4.2/5.0
• DSCR +3.9/10.0
• Schools +3.9/10.0
• 1% rule +3.3/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

Key facts

• 5,227 sq ft lot
• Built 1986
• Listed 76 days

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Guest parking
• Security: Security fence; Smoke detectors
• Utilities: Septic tank; Water connected; Cable available; Sewer not available
• Home design: Single-family residence; One story; Entry level: 1; Facing south; Property attached
• Construction: Wood siding; Shingle roof
• Exterior features: Porch; Back yard fencing; Security fence; Smoke detectors; Cleared lot with many trees; Asphalt road access

Interior

• Kitchen: Electric oven; Electric range; Microwave; Refrigerator; Electric water heater
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Guest suite / in-law floorplan; Split-bedroom layout
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $169k.

Deal economics

• At list price, monthly cash flow is $-7 ($-82/yr) — negative.
• To cash-flow at today's rent, offer at most $168k (0.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $140k (17.1% below list).
• Recommended offer: $140k (17.1% below list) — sets the bar for 1% rule.

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: Pinedale Elementary School (math 47% / reading 32%, grade F, #1,513 of 2,144 statewide, top 73%, 426 students, 79% FRL); Lake Shore Middle School (math 25% / reading 22%, grade F, #536 of 571 statewide, top 95%, 972 students, 75% FRL); Riverside High School (math 24% / reading 39%, grade F, #424 of 667 statewide, top 64%, 1,567 students, 60% FRL) — zoned schools average 71% FRL vs 49% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 32% at this address vs 46% district-wide (-14 pts) — the specific schools serving this property underperform the Duval average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+1.7%/yr); 172 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).

Forward outlook

• In year one you build about $7k of equity ($1k loan paydown + $6k appreciation (3.4% local appreciation)).
• Duval County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (3.4% appreciation + 1.7% rent growth), your $47k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($159k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 6y 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.
• Current owner paid $57k; list at $169k implies a 197% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; 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 $140,395 (17.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
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: 0.83% ✗
• Cap rate: 6.24%
• Cash-on-cash: -0.17%
• DSCR: 0.99
• GRM: 10.1

CMA / ARV

• ARV (on-the-fly): $204,042
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3557 Dillon St	0.20mi	3/1.5	1,035 (-6%)	1mo	$180,000	$174	78
3333 Ernest St	0.41mi	3/1.0	984 (-10%)	1mo	$207,000	$210	63
3332 Dellwood Ave	0.48mi	2/1.0 (-1)	1,023 (-7%)	0mo	$184,000	$180	61
3130 Mell Ct	0.62mi	3/2.0	1,056 (-4%)	1mo	$180,000	$170	60
560 Comet St	0.49mi	3/2.0	1,190 (+8%)	1mo	$270,000	$227	58
4614 Hunt St	0.48mi	3/2.0	1,196 (+9%)	1mo	$223,000	$186	58
2667 Amy St	0.73mi	3/1.0	1,038 (-5%)	0mo	$117,000	$113	56
3127 Dignan St	0.52mi	3/2.0	1,197 (+9%)	2mo	$210,000	$175	55
3053 Gilmore St	0.63mi	2/1.0 (-1)	1,008 (-8%)	0mo	$130,000	$129	52
933 Talbot Ave	0.75mi	3/2.0	1,155 (+5%)	1mo	$320,000	$277	52
822 Talbot Ave	0.72mi	2/2.0 (-1)	1,048 (-4%)	2mo	$260,000	$248	49
3242 Deason Ave	0.73mi	3/2.0	1,197 (+9%)	2mo	$223,500	$187	45

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

3.41% appreciation · 1.7% rent growth · sell at horizon

5-year hold

• IRR: 7.9%
• Equity multiple: 1.46×
• Total profit: $21,874
• Equity at exit: $80,137

10-year hold

• IRR: 9.8%
• Equity multiple: 2.51×
• Total profit: $71,577
• Equity at exit: $126,679

Cash invested: $47,432 (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 32254

• Home prices YoY: 1.2%
• Rents YoY: 1.7%
• Active inventory: 172
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,404 high
• Mortgage (P&I): −$888
• Tax from tax record: −$157 /mo · $1,885/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $-7

Break-even live

Break-even rent $1,413

Max offer price $168,188

Occupancy floor 95%

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: $42,350
• Closing costs: $5,082
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3550 Edison Ave Jacksonville, FL	3.0	2.0	1230	$1,463	$1.19	4d	1	0.12mi
3688 Dillon St Jacksonville, FL	3.0	2.0	1230	$1,421	$1.16	23d	1	0.15mi
3515 Dignan St Jacksonville, FL	3.0	1.0	915	$1,036	$1.13	3d	1	0.20mi
3356 Lenox Ave Jacksonville, FL	2.0	1.0	899	$999	$1.11	23d	1	0.22mi
3352 Dillon St Jacksonville, FL	3.0	2.0	1229	$1,372	$1.12	23d	1	0.25mi
3319 Hunt St Jacksonville, FL	3.0	1.0	924	$1,295	$1.40	23d	1	0.27mi
3323 Nolan St Jacksonville, FL	3.0	1.0	927	$1,050	$1.13	1d	1	0.28mi
3318 Dignan St Jacksonville, FL	3.0	2.0	960	$1,200	$1.25	23d	1	0.29mi
676 Bridal Ave Jacksonville, FL	3.0	2.0	1008	$1,450	$1.44	23d	1	0.29mi
3347 Phyllis St Jacksonville, FL	3.0	2.0	1145	$1,395	$1.22	23d	1	0.30mi
3609 Dellwood Ave Jacksonville, FL	2.0	2.0	936	$1,495	$1.60	23d	1	0.41mi
3250 Phyllis St Jacksonville, FL	2.0	1.0	720	$850	$1.18	23d	1	0.41mi
3236 Phyllis St Unit 3244 Jacksonville, FL	2.0	1.0	720	$850	$1.18	23d	1	0.44mi
3353 Dellwood Ave Jacksonville, FL	3.0	1.0	934	$1,595	$1.71	17d	1	0.46mi
3312 Ernest St Jacksonville, FL	3.0	1.0	1065	$1,148	$1.08	23d	1	0.48mi
3159 Phyllis St Jacksonville, FL	3.0	2.0	1209	$1,561	$1.29	3d	1	0.50mi
3118 Dignan St Jacksonville, FL	4.0	2.0	1103	$1,148	$1.04	1d	1	0.55mi
3233 Dellwood Ave Jacksonville, FL	2.0	2.0	1000	$1,750	$1.75	23d	1	0.55mi
628 Meteor St Jacksonville, FL	3.0	1.0	1123	$1,395	$1.24	23d	1	0.56mi
3313 Green St Jacksonville, FL	3.0	1.0	1058	$1,450	$1.37	7d	1	0.58mi
4006 College St Jacksonville, FL	3.0	2.5	1208	$2,200	$1.82	12d	1	0.61mi
4006 College St Jacksonville, FL	3.0	2.5	1200	$2,200	$1.83	23d	1	0.61mi
3035 Fitzgerald St Jacksonville, FL	2.0	1.0	900	$1,021	$1.13	3d	1	0.66mi
3352 College St Jacksonville, FL	3.0	2.0	1335	$1,550	$1.16	14d	1	0.67mi
3302 College St Jacksonville, FL	3.0	1.0	1174	$1,095	$0.93	7d	1	0.70mi
3545 Cypress St Jacksonville, FL	2.0	1.0	800	$1,000	$1.25	23d	1	0.71mi
3012 Imperial St Jacksonville, FL	3.0	1.0	1089	$1,395	$1.28	23d	1	0.72mi
3305 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	1012	$1,021	$1.01	23d	1	0.73mi
3350 Sunnybrook Ave N Jacksonville, FL	2.0	1.0	900	$1,095	$1.22	23d	1	0.75mi
3233 Post St Jacksonville, FL	2.0	1.0	750	$1,095	$1.46	23d	1	0.76mi
1035 Congleton Ter Jacksonville, FL	3.0	2.0	1180	$2,400	$2.03	2d	1	0.77mi
3036 Green St Jacksonville, FL	3.0	1.0	924	$1,495	$1.62	23d	1	0.81mi
841 Ontario St Jacksonville, FL	2.0	1.0	1000	$1,285	$1.28	23d	1	0.82mi
2980 Ernest St Jacksonville, FL	2.0	1.0	920	$1,200	$1.30	23d	1	0.82mi
809 McDuff Ave S Jacksonville, FL	2.0	1.0	1006	$995	$0.99	4d	1	0.83mi
3303 Broadway Ave Jacksonville, FL	3.0	2.0	1072	$1,550	$1.45	4d	1	0.83mi
912 Huron St Jacksonville, FL	2.0	1.0	900	$1,100	$1.22	14d	1	0.85mi
4718 Ramona Blvd Jacksonville, FL	3.0	1.0	1085	$1,595	$1.47	23d	1	0.85mi
3433 Brookhaven Dr Jacksonville, FL	2.0	1.0	754	$1,295	$1.72	7d	1	0.88mi
3307 Mayflower St #1 Jacksonville, FL	2.0	1.0	820	$1,125	$1.37	7d	1	0.90mi

Listing history 38 events

1. 2026-06-18
   days on market $169,400 Active 76 DOM
2. 2026-06-17
   days on market $169,400 Active 75 DOM
3. 2026-06-16
   days on market $169,400 Active 74 DOM
4. 2026-06-15
   days on market $169,400 Active 73 DOM
5. 2026-06-13
   days on market $169,400 Active 70 DOM
6. 2026-06-10
   days on market $169,400 Active 67 DOM
7. 2026-06-08
   days on market $169,400 Active 66 DOM
8. 2026-06-07
   days on market $169,400 Active 65 DOM
9. 2026-06-03
   days on market $169,400 Active 61 DOM
10. 2026-06-02
    days on market $169,400 Active 60 DOM
11. 2026-06-01
    days on market $169,400 Active 59 DOM
12. 2026-05-31
    days on market $169,400 Active 58 DOM
13. 2026-04-23
    price $169,400
14. 2026-04-06
    price $169,500
15. 2026-04-03
    listed $172,500 Active
16. 2026-01-28
    historical 457-char remark

    Show marketing remark (457 chars)

    Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

17. 2026-01-05
    price $179,900 457-char remark

    Show marketing remark (457 chars)

    Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

18. 2026-01-05
    price $179,000 457-char remark

    Show marketing remark (457 chars)

    Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

19. 2025-12-04
    price $186,000 457-char remark

    Show marketing remark (457 chars)

    Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

20. 2025-10-24
    price $188,000 457-char remark

    Show marketing remark (457 chars)

    Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

21. 2025-09-23
    price $192,500 457-char remark

    Show marketing remark (457 chars)

    Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

22. 2025-08-28
    listed $194,000 Active 457-char remark

    Show marketing remark (457 chars)

    Motivated Seller! WOW! Brand NEW Roof (August 2025) and a NEW privacy fence installed! This awesome 4 bedroom, 2 full bath, completely renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

23. 2025-07-14
    historical 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

24. 2025-07-08
    status Active 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

25. 2025-06-24
    historical Active Under Contract 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

26. 2025-06-12
    status Active 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

27. 2025-06-08
    historical Active Under Contract 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

28. 2025-05-23
    price $173,000 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

29. 2025-02-13
    price $174,500 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

30. 2025-01-28
    price $177,500 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

31. 2024-12-11
    listed $187,500 Active 418-char remark

    Show marketing remark (418 chars)

    Incredible opportunity! Brand New privacy fence installed! This awesome 4 bedroom, 2 full bath, renovated home is ready for you! Enjoy cooking in a wonderfully equipped kitchen with granite counters, and nice appliances! Newer electrical panel and tankless water heater are an added bonus. Both bathrooms are beautifully updated. Nice large living room and plenty of windows for all of the natural light! A great home!

32. 2021-02-19
    soldstatus $57,000
33. 2021-02-08
    soldstatus $57,000 Sold
34. 2020-12-04
    status Pending
35. 2020-11-18
    price $57,000
36. 2020-10-22
    listed $60,000 Active
37. 2000-10-26
    soldstatus $65,000
38. 1996-08-30
    soldstatus $19,000

ⓘ 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: $1,885 · $157/mo
• Projected year-2 tax: $1,885 · $157/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) · 69% 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 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,847
• − Mortgage interest: −$9,489
• − Property taxes: −$1,885
• − Insurance: −$847
• − Repairs & maintenance: −$1,348
• − Management: −$1,348
• − Depreciation: −$4,928
• Taxable loss: −$2,997
• Est. tax savings @ 24.0%: +$719
• After-tax cash flow: $637/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): 13,927
• Household income: $34,953
• Rent vs Own: 50.2% rent · 49.8% own
• Severe rent burden: 882.0

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 0.56)
• Race & ethnicity: Black 60% White 28% Two or more races 7% Hispanic / Latino 5%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Slovak 1% Hispanic 1% Lithuanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 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: ▲ 3.41%
• Current HPI: 282.2981
• Rent YoY: ▲ 1.70%
• 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

+791.6% since first listed

26 events — show timeline

• 2026-04-23 Price Changed $169,400 realMLS
• 2026-04-06 Price Changed $169,500 realMLS
• 2026-04-03 Listed $172,500 realMLS
• 2026-01-28 Listing Removed — realMLS
• 2026-01-05 Price Changed $179,900 realMLS
• 2026-01-05 Price Changed $179,000 realMLS
• 2025-12-04 Price Changed $186,000 realMLS
• 2025-10-24 Price Changed $188,000 realMLS
• 2025-09-23 Price Changed $192,500 realMLS
• 2025-08-28 Listed $194,000 realMLS
• 2025-07-14 Listing Removed — realMLS
• 2025-07-08 Relisted — realMLS
• 2025-06-24 Contingent — realMLS
• 2025-06-12 Relisted — realMLS
• 2025-06-08 Contingent — realMLS
• 2025-05-23 Price Changed $173,000 realMLS
• 2025-02-13 Price Changed $174,500 realMLS
• 2025-01-28 Price Changed $177,500 realMLS
• 2024-12-11 Listed $187,500 realMLS
• 2021-02-19 Sold (Public Records) $57,000 Public Records
• 2021-02-08 Sold (MLS) $57,000 realMLS
• 2020-12-04 Pending — realMLS
• 2020-11-18 Price Changed $57,000 realMLS
• 2020-10-22 Listed $60,000 realMLS
• 2000-10-26 Sold (Public Records) $65,000 Public Records
• 1996-08-30 Sold (Public Records) $19,000 Public Records

Property tax history

+16.8%/yr

Latest (2025): $1,885 · +18.4% YoY. Source: county tax records.