125 Harbor DrKey LargoFL33037
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 125 Harbor Dr, Key Largo, FL, 33037 in Key Largo. At $639,000 it earns $5,297/mo in rent and distributes $1,056/mo to the owner after the $2,873/mo payment, a consistent 9.95% yield. DSCR 1.84 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $176,544 in value; $5,885/yr in principal paydown compounds ownership stake. Total projected return: $311,579.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.5% |
| Monthly Cash Flow | $1,056 | $1,200 |
City averages based on Key Largo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,297 |
| Total Monthly Debt Service | $3,986 |
| DSCR Ratio | 1.33x |
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 1954
7,380 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
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 1954
7,380 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33037, Key Largo, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,705 (100%) |
| Owner Occupied HU | 4,666 (43.6%) |
| Renter Occupied HU | 1,622 (15.2%) |
| Vacant Housing Units | 4,417 (41.3%) |
| Median Home Value | $777,375 |
| Average Home Value | $1,018,328 |
Housing Distribution
Address Breakdown
Residential
8,579
Single Family
8,132
Multi-Family
447
Businesses
826
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shelby Morris • American Caribbean Real Estate, Christie's International Real Estate
Mls Name: FLKMLS
Mls Provider:
Mls ID: #615708
Disclaimer: MLS Internet Data Exchange (IDX) information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the Florida Keys Board of Realtors.