105 LUCINA LanePonte Vedra BeachFL32082
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 105 LUCINA Lane, Ponte Vedra Beach, FL, 32082 in Ponte Vedra Beach: $4,080/mo in rent, $244/mo in net income, 8.47% gross yield, 1.57 DSCR, all at $578,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $159,691 in appreciation and $5,323/yr in principal paydown projects total cumulative return of $236,060.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 5.8% |
| Monthly Cash Flow | $244 | $600 |
City averages based on Ponte Vedra Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,080 |
| Total Monthly Debt Service | $3,606 |
| DSCR Ratio | 1.13x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1980
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32082, Ponte Vedra Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,721 (100%) |
| Owner Occupied HU | 11,389 (72.4%) |
| Renter Occupied HU | 2,720 (17.3%) |
| Vacant Housing Units | 1,612 (10.3%) |
| Median Home Value | $792,695 |
| Average Home Value | $967,818 |
Housing Distribution
Address Breakdown
Residential
14,755
Single Family
11,812
Multi-Family
2,943
Businesses
836
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 1980
9,583 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32082, Ponte Vedra Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,721 (100%) |
| Owner Occupied HU | 11,389 (72.4%) |
| Renter Occupied HU | 2,720 (17.3%) |
| Vacant Housing Units | 1,612 (10.3%) |
| Median Home Value | $792,695 |
| Average Home Value | $967,818 |
Housing Distribution
Address Breakdown
Residential
14,755
Single Family
11,812
Multi-Family
2,943
Businesses
836
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: ROSEMARY KRISTOFF, PA • BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Mls Name: realMLS
Mls ID: #2093887