FOR_SALERisky Deal4 days on market

2044 MIDNIGHT MOON Trail

2044 MIDNIGHT MOON Trail, Jacksonville, FL 32246, Jacksonville, FL 32246
$525,000
Zestimate®:$514,300

Listing Price

Property image 1
2044 MIDNIGHT MOON Trail, Jacksonville, FL 32246
Loc: Jacksonville, FL
Days Listed
4
Tax Assessed
$395k
Zestimate®
$514k
Market Rate
Lot Size
0.28 acres
Rent Estimate
$2,698/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

7

Kernan Trail Elementary School

K-5
0.4 mi away
5

Kernan Middle School

6-8
0.5 mi away
6

Sandalwood High School

9-12
2.3 mi away

Property Overview

A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.

Features & Amenities

Open Floor PlanHardwood FloorsModern KitchenStainless Steel AppliancesCentral Heat/AirLarge BackyardParkingNear Transit

Haven AI Verdict

Recommendation
Risky
Confidence Score: 2/10
Exercise caution due to potential market volatility.
Cap Rate
4.42%
Total ROI
11.8%
Cash Flow
$-721/mo
DSCR
0.73
Was this AI Verdict accurate?

Data provided by Haven AI. Disclaimer

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Haven AI

This property presents a poor investment profile due to its significant negative cash flow. A monthly deficit of $721.09 indicates that the rental income is insufficient to cover mortgage, taxes, insurance, and maintenance costs at the current price point. While the Jacksonville market shows moderate appreciation potential, relying on 4% capital appreciation to offset operational losses is a speculative strategy rather than a sound investment approach. The yield is notably low for a single-family asset, failing to provide the income buffer required to handle unexpected vacancies or capital expenditures. Prospective investors should approach this acquisition with extreme caution, as the cost of debt outweighs the property's income-generating capabilities.

Strengths
  • Located in a growing Florida market
  • Modern square footage suitable for long-term family tenants
  • 4-bedroom, 3-bathroom configuration offers broad tenant appeal
Considerations
  • Persistent negative monthly cash flow
  • High acquisition price relative to rental income yield
  • Sensitivity to interest rate fluctuations
  • Insufficient margin for property management or emergency repairs
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10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-09-11Listed for sale$525,000$230
2007-02-20Sold$274,900$121

Tax History

YearProperty TaxTax Assessment
2025$3,596.19$223,598
2024$3,341.06$217,297
2023$3,244.93$210,968
2022$2,967.59$204,824
2021$2,900.73$196,378
2020$2,834.53$191,593
2019$2,800.2$187,286
2018$2,762.51$183,794
2017$2,762.51$180,014
2016$2,726.25$176,312
2015$2,708.75$175,087
2014$2,735.01$173,698
2013$0$174,313
2012$0$180,260
2011$0$189,428
2010$0$204,170
2009$0$227,433
2006$0$222,087
2005$3,710.6$199,758
2004$0$186,194
2003$3,072.16$158,430
2002$0$145,505
2001$0$128,566
2000$0$124,821
1999$0$121,539
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
4
Baths
3
Sq Ft
2,280
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Sources:MLS List Price: $525,000Rent Basis: Observed Comp Model ($2,698/mo)State Tax Benchmark: 0.98% (FL)Hazard Reserve: $263/mo
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
3.41%

NOI: $17,906/yr

Cash-on-Cash Yield
-12.2%

On $120,750 invested

DSCR Ratio
0.55x

Negative debt coverage

5-Yr Leveraged ROI
+33.0%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
Property Taxes (0.98% of basis)-$322/mo
Homeowner / Hazard Insurance-$263/mo
Vacancy Reserve (5% of rent)-$135/mo
Repairs & Maintenance (10% of rent)-$270/mo
Property Management (8% of rent)-$216/mo
Total Pure Operating Expenses-$1,206/mo
Net Investor Cash Flow
Gross Scheduled Rent+$2,698/mo
Less: Operating Expenses-$1,206/mo
Net Operating Income (NOI)+$1,492/mo
Less: Debt Service (30yr @ 6.75%)-$2,724/mo
Net Cash Flow
$-1,232/mo
$-14,783/year
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