1013 Oxford DrSaint AugustineFL32084
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1013 Oxford Dr, Saint Augustine, FL, 32084 in Saint Augustine is priced for appreciation, not yield. Rental yield 5.95%. At $579,900 with a 5.95% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $160,216 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.10) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $153,848.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.0% |
| Monthly Cash Flow | $(1,049) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,874 |
| Total Monthly Debt Service | $3,693 |
| DSCR Ratio | 0.78x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2003
8,712 sqft lot
$N/A/sqft
$225 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2003
8,712 sqft lot
$N/A/sqft
$225 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dawn Gaffney • Watson Realty Corp (US1 South)
Mls Name: St Augustine St Johns County BOR
Mls Provider:
Mls ID: #250788
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. 2025 St Augustine & St. Johns County Board of REALTORS. All rights reserved.