1040 Bear Hammock DrUmatillaFL32784








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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


Investment Highlights
Rental property for sale in Umatilla at 1040 Bear Hammock Dr, Umatilla, FL, 32784 generates $3,210/mo in rent and, after a $1,747/mo payment, leaves $841/mo in cash flow. Total monthly income is $3,210/mo, and annual cash flow is $10,095/yr on $118,342 invested. Return on cash invested sits at 28.44% in year one, and rental yield is 10.79% on a $356,990 entry. Equity gained on principal adds $2,304/yr, while 5% annual appreciation builds toward $98,630 over five years. Five-year ROI reaches 149.2% and total cumulative return in cash sums $176,568. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $3,210/mo property income rather than buyer’s personal income.
Single Family
Built in 2025
5,793 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32784, Umatilla, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,402 (100%) |
| Owner Occupied HU | 3,715 (68.8%) |
| Renter Occupied HU | 946 (17.5%) |
| Vacant Housing Units | 741 (13.7%) |
| Median Home Value | $387,977 |
| Average Home Value | $412,567 |
Housing Distribution
Address Breakdown
Residential
4,752
Single Family
4,718
Multi-Family
34
Businesses
329
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