110 SEA HAMMOCK WayPonte Vedra BeachFL32082
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 110 SEA HAMMOCK Way, Ponte Vedra Beach, FL, 32082 in Ponte Vedra Beach: $12,995/mo in rent, $750/mo in net income, 9.78% gross yield, 1.81 DSCR, all at $1,595,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $440,669 in appreciation and $14,690/yr in principal paydown projects total cumulative return of $663,448.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 5.8% |
| Monthly Cash Flow | $750 | $600 |
City averages based on Ponte Vedra Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $12,995 |
| Total Monthly Debt Service | $11,610 |
| DSCR Ratio | 1.12x |
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.
Condo
Built in 1986
N/A lot
$N/A/sqft
$1,660 monthly 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
Condo
Built in 1986
N/A lot
$N/A/sqft
$1,660 monthly 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