554 Glynlea Rd · Jacksonville, FL 32216

$220,000

4 bd · 2.0 ba · 1,561 sqft · SingleFamily public records · 40 Days on market

Built 1970 Est $309k · 29% 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).

• Cash flow +16.7/30.0
• ARV discount +15.0/15.0
• DSCR +5.2/10.0
• Livability +4.2/5.0
• 1% rule +4.0/10.0
• Schools +3.9/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This house is a gem in desirable location. Great schools, quick commute to downtown and near shopping. It has plenty of space. Real hardwood floors in much of the home. Eat-in kitchen with lots of cabinets. Also has a Den with wood accent walls. Oversized extra room off the kitchen. Back of house has a screen porch overlooking treed fence yard. New roof 2011, new septic 2018 and under sink water filtration 2013. Just a few cosmetic touches and its a beauty. Home sold AS IS.

Key facts

• Newer appliances
• Hardie siding
• Quiet neighborhood

Tags

• QUIET NEIGHBORHOOD
• GREAT ELEMENTARY SCHOOL
• NEWER APPLIANCES
• NEW WINDOWS
• HARDIE SIDING
• LANAI OVERLOOKING BACKYARD

Property features AI

Exterior

• Home design: Single-family property built in 1970
• Construction: Built in 1970
• Exterior features: Located in the Glynlea/Grove Park subdivision

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $137 ($2k/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 $198k (9.8% below list).
• Recommended offer: $198k (9.8% below list) — sets the bar for 1% rule.
• Cap rate 7.0% 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: Holiday Hill Elementary School (math 57% / reading 53%, grade C, #872 of 2,144 statewide, top 42%, 489 students, 47% FRL); Arlington Middle School (math 23% / reading 21%, grade F, #549 of 571 statewide, top 97%, 798 students, 74% FRL); Englewood High School (math 21% / reading 21%, grade F, #551 of 667 statewide, top 83%, 1,741 students, 58% FRL).
• Zoned-school proficiency averages 33% at this address vs 46% district-wide (-13 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 (-0.2%/yr); 223 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 6,503 units permitted in Duval County in 2024 (1,131 in 5+ unit buildings).
• This rent runs 39% of the median local income ($62k/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 $2k of loan paydown is wiped out by about $7k 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 40 days — a 3% lower offer ($213k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y 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 $143k; list at $220k implies a 54% 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→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $198,382 (9.8% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — 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: 0.90% ✗
• Cap rate: 7.04%
• Cash-on-cash: 2.67%
• DSCR: 1.12
• GRM: 9.2

CMA / ARV

• ARV (on-the-fly): $309,078
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
548 Laurina St	0.12mi	4/2.0	1,456 (-7%)	6mo	$300,600	$206	78
6633 Altama Rd	0.22mi	3/2.0 (-1)	1,529 (-2%)	5mo	$316,000	$207	77
529 Sapelo Rd	0.10mi	4/2.0	1,334 (-14%)	1mo	$292,000	$219	70
926 Nightingale Rd	0.38mi	3/1.0 (-1)	1,437 (-8%)	1mo	$285,000	$198	59
1123 Ovington Rd S	0.58mi	4/1.5	1,450 (-7%)	0mo	$210,000	$145	59
628 Matterhorn Rd	0.73mi	3/2.0 (-1)	1,545 (-1%)	1mo	$364,900	$236	58
1247 Ibis Rd	0.68mi	4/2.0	1,485 (-5%)	4mo	$275,000	$185	57
1226 Halifax Rd	0.65mi	3/1.5 (-1)	1,642 (+5%)	2mo	$275,000	$167	52
7004 Waikiki Rd	0.53mi	3/1.5 (-1)	1,706 (+9%)	2mo	$342,000	$200	51
5825 Bartram Dr W	0.73mi	4/2.0	1,360 (-13%)	2mo	$216,000	$159	42
1253 Ovington Rd S	0.67mi	3/2.0 (-1)	1,781 (+14%)	1mo	$350,000	$197	39
1861 Embassy Dr	0.74mi	3/2.0 (-1)	1,782 (+14%)	3mo	$205,000	$115	34

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: -15.3%
• Equity multiple: 0.47×
• Total profit: $-32,771
• Equity at exit: $32,803

10-year hold

• IRR: -12.6%
• Equity multiple: 0.35×
• Total profit: $-39,882
• Equity at exit: $19,022

Cash invested: $61,600 (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 32216

• Rents YoY: -0.2%
• Active inventory: 223
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,984 high
• Mortgage (P&I): −$1,154
• Tax from tax record: −$185 /mo · $2,220/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$417
• Net cashflow: $137

Break-even live

Break-even rent $1,811

Max offer price $220,000

Occupancy floor 88%

Sensitivity live

Price	-10% $261	-5% $199	+0% $137	+5% $75	+10% $12
Rent	-10% $-20	-5% $59	+0% $137	+5% $215	+10% $294
Rate	-1.0pp $248	-0.5pp $193	base $137	+0.5pp $80	+1.0pp $22

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: $55,000
• Closing costs: $6,600
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
538 Aiken Rd Jacksonville, FL	3.0	1.5	1600	$1,900	$1.19	25d	1	0.20mi
406 Nightingale Rd Jacksonville, FL	4.0	2.5	1922	$1,995	$1.04	9d	1	0.30mi
2441 University Blvd S Jacksonville, FL	3.0	2.0	1558	$2,100	$1.35	23d	1	0.57mi
7104 Waikiki Rd Jacksonville, FL	4.0	1.5	1497	$1,695	$1.13	9d	1	0.62mi
1307 River Hills Cir E #16 Jacksonville, FL	3.0	3.0	1600	$1,670	$1.04	21d	1	0.65mi
1356 River Hills Cir E Jacksonville, FL	4.0	2.0	1800	$2,000	$1.11	25d	1	0.72mi
1620 Bartram Rd Jacksonville, FL	1.0–3.0	1.0–2.0	1259	$1,940	$1.54	4d	14	0.85mi
246 Aralia Ln Jacksonville, FL	3.0	2.5	1502	$1,900	$1.26	25d	1	0.89mi
237 Aralia Ln Jacksonville, FL	3.0	2.5	1502	$1,875	$1.25	25d	1	0.91mi
7811 Aquarius Cir S Jacksonville, FL	3.0	2.0	1298	$1,760	$1.36	25d	1	0.92mi
3000 Coronet Ln Jacksonville, FL	1.0–3.0	1.0–2.0	1017	$1,709	$1.68	25d	5	0.94mi
421 Aralia Ln Jacksonville, FL	3.0	2.5	1492	$1,681	$1.13	23d	1	1.04mi
5201 Atlantic Blvd Jacksonville, FL	1.0–3.0	1.0–2.0	1140	$1,860	$1.63	3d	3	1.17mi
8232 Rigel Rd Jacksonville, FL	3.0	2.5	1372	$1,610	$1.17	15d	1	1.20mi
8236 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,585	$1.17	25d	1	1.21mi
7600 Free Ave Jacksonville, FL	3.0	2.0	1229	$1,745	$1.42	25d	1	1.21mi
551 Eiseman Way Jacksonville, FL	3.0	2.5	1358	$1,620	$1.19	25d	1	1.22mi
8252 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,625	$1.20	25d	1	1.23mi
7505 Beach Blvd Jacksonville, FL	3.0	1.0–2.0	900	$1,650	$1.83	25d	20	1.24mi
1933 Dean Rd Jacksonville, FL	4.0	2.5	1539	$1,776	$1.15	25d	1	1.25mi
8290 Rigel Rd Jacksonville, FL	3.0	2.5	1358	$1,595	$1.17	25d	1	1.27mi
7632 Hare Ave Jacksonville, FL	3.0	2.0	1169	$1,690	$1.45	25d	1	1.32mi
8000 Dandy Ave Jacksonville, FL	3.0	2.0	1330	$1,761	$1.32	9d	1	1.36mi
6650 Corporate Center Pkwy Jacksonville, FL	1.0–3.0	1.0–2.0	990	$3,308	$3.34	3d	12	1.39mi
8400 Oden Ave Jacksonville, FL	4.0	2.5	1665	$2,110	$1.27	21d	1	1.45mi
2146 Antilles Ct Jacksonville, FL	4.0	2.0	1848	$2,250	$1.22	25d	1	1.47mi
540 Narnia Ct Jacksonville, FL	4.0	2.5	1549	$2,149	$1.39	25d	1	1.50mi
540 Narnia Ct Jacksonville, FL	4.0	2.5	1549	$2,149	$1.39	16d	1	1.50mi
520 Narnia Ct Jacksonville, FL	4.0	2.5	1549	$2,149	$1.39	16d	1	1.50mi
520 Narnia Ct Jacksonville, FL	4.0	2.5	1549	$2,149	$1.39	25d	1	1.50mi
514 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	16d	1	1.50mi
514 Narnia Ct Jacksonville, FL	3.0	2.5	1480	$1,845	$1.25	25d	1	1.50mi

Listing history 21 events

1. 2026-06-21
   days on market $220,000 Active 40 DOM
2. 2026-06-18
   days on market $220,000 Active 37 DOM
3. 2026-06-17
   days on market $220,000 Active 36 DOM
4. 2026-06-16
   days on market $220,000 Active 35 DOM
5. 2026-06-15
   days on market $220,000 Active 34 DOM
6. 2026-06-10
   days on market $220,000 Active 28 DOM
7. 2026-06-08
   days on market $220,000 Active 27 DOM
8. 2026-06-08
   days on market $220,000 Active 26 DOM
9. 2026-06-03
   days on market $220,000 Active 22 DOM
10. 2026-06-02
    days on market $220,000 Active 21 DOM
11. 2026-06-01
    days on market $220,000 Active 20 DOM
12. 2026-05-31
    days on market $220,000 Active 19 DOM
13. 2026-05-12
    listed $220,000 Active
14. 2018-08-01
    soldstatus $143,000
15. 2018-07-26
    soldstatus $143,000 Sold 484-char remark

    Show marketing remark (484 chars)

    This house is a gem in desirable location. Great schools, quick commute to downtown and near shopping. It has plenty of space. Real hardwood floors in much of the home. Eat-in kitchen with lots of cabinets. Also has a Den with wood accent walls. Oversized extra room off the kitchen. Back of house has a screen porch overlooking treed fence yard. New roof 2011, new septic 2018 and under sink water filtration 2013. Just a few cosmetic touches and its a beauty. Home sold AS IS.

16. 2018-07-10
    status Pending 484-char remark

    Show marketing remark (484 chars)

    This house is a gem in desirable location. Great schools, quick commute to downtown and near shopping. It has plenty of space. Real hardwood floors in much of the home. Eat-in kitchen with lots of cabinets. Also has a Den with wood accent walls. Oversized extra room off the kitchen. Back of house has a screen porch overlooking treed fence yard. New roof 2011, new septic 2018 and under sink water filtration 2013. Just a few cosmetic touches and its a beauty. Home sold AS IS.

17. 2018-07-07
    listed $143,000 Active 484-char remark

    Show marketing remark (484 chars)

    This house is a gem in desirable location. Great schools, quick commute to downtown and near shopping. It has plenty of space. Real hardwood floors in much of the home. Eat-in kitchen with lots of cabinets. Also has a Den with wood accent walls. Oversized extra room off the kitchen. Back of house has a screen porch overlooking treed fence yard. New roof 2011, new septic 2018 and under sink water filtration 2013. Just a few cosmetic touches and its a beauty. Home sold AS IS.

18. 2011-03-15
    soldstatus $85,000
19. 2011-02-17
    historical 806-char remark

    Show marketing remark (806 chars)

    Low-maintenance--vinyl siding and soffits--one-owner home in always desirable neighborhood--Great schools, quick commute to downtown, near shopping. Hardwood floors in much of the home. Newly painted. Large eat-in kitchen with newer appliances and lots of cabinets and counter space.Picture window in formal living room. Large family room. Across-the-back of the house--350 square foot-- screen porch overlooks the fenced,treed backyard offering a great place to relax or for kids to play. Attached garage. Well-cared for. A/C new in 2007(8),newer leach field, new ductwork. House replumbed in 2001, refrigerator new in 2008, range 2008. Great value. Priced to sell.Just a few cosmetic touches--ferns on the screen porch, etc. for a super nice, roomy home at a super price. This is NOT a short sale. sale.

20. 2011-02-16
    soldstatus $85,000 806-char remark

    Show marketing remark (806 chars)

    Low-maintenance--vinyl siding and soffits--one-owner home in always desirable neighborhood--Great schools, quick commute to downtown, near shopping. Hardwood floors in much of the home. Newly painted. Large eat-in kitchen with newer appliances and lots of cabinets and counter space.Picture window in formal living room. Large family room. Across-the-back of the house--350 square foot-- screen porch overlooks the fenced,treed backyard offering a great place to relax or for kids to play. Attached garage. Well-cared for. A/C new in 2007(8),newer leach field, new ductwork. House replumbed in 2001, refrigerator new in 2008, range 2008. Great value. Priced to sell.Just a few cosmetic touches--ferns on the screen porch, etc. for a super nice, roomy home at a super price. This is NOT a short sale. sale.

21. 2010-11-01
    listed $79,900 806-char remark

    Show marketing remark (806 chars)

    Low-maintenance--vinyl siding and soffits--one-owner home in always desirable neighborhood--Great schools, quick commute to downtown, near shopping. Hardwood floors in much of the home. Newly painted. Large eat-in kitchen with newer appliances and lots of cabinets and counter space.Picture window in formal living room. Large family room. Across-the-back of the house--350 square foot-- screen porch overlooks the fenced,treed backyard offering a great place to relax or for kids to play. Attached garage. Well-cared for. A/C new in 2007(8),newer leach field, new ductwork. House replumbed in 2001, refrigerator new in 2008, range 2008. Great value. Priced to sell.Just a few cosmetic touches--ferns on the screen porch, etc. for a super nice, roomy home at a super price. This is NOT a short sale. sale.

ⓘ 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: $2,220 · $185/mo
• Projected year-2 tax: $2,220 · $185/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 2/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 18 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $23,806
• − Mortgage interest: −$12,323
• − Property taxes: −$2,220
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,904
• − Management: −$1,904
• − Depreciation: −$6,400
• Taxable loss: −$2,046
• Est. tax savings @ 24.0%: +$491
• After-tax cash flow: $2,134/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): 42,298
• Household income: $61,821
• Rent vs Own: 52.1% rent · 47.9% own
• Severe rent burden: 3324.0

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 0.67)
• Race & ethnicity: White 51% Black 22% Hispanic / Latino 16% Two or more races 11% Asian 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 4%
• Common ancestry: Italian 2% Lithuanian 2% American 2%
• Foreign-born: 16% · Canada, Vietnam, Philippines
• Languages at home: 78% English-only · Spanish 11% Other Indo-European 3% Arabic 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: ▼ -221.05%
• Current HPI: 296.9579
• Rent YoY: ▼ -0.21%
• 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

+175.3% since first listed

9 events — show timeline

• 2026-05-12 Listed $220,000 FSBO.com
• 2018-08-01 Sold (Public Records) $143,000 Public Records
• 2018-07-26 Sold (MLS) $143,000 realMLS
• 2018-07-10 Pending — realMLS
• 2018-07-07 Listed $143,000 realMLS
• 2011-03-15 Sold (Public Records) $85,000 Public Records
• 2011-02-17 Listing Removed — realMLS
• 2011-02-16 Sold (MLS) $85,000 realMLS
• 2010-11-01 Listed $79,900 realMLS

Property tax history

+9.1%/yr

Latest (2025): $2,220 · +11.3% YoY. Source: county tax records.