140 Sandy Hill TrlPort Saint JoeFL32456
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 140 Sandy Hill Trl, Port Saint Joe, FL, 32456 in Port Saint Joe fits: $1,540,000, 4.42% gross yield, and a projected 5% annual appreciation rate adding $425,474 in value within five years. Rental yield 4.42%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.82) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $14,184/yr in principal paydown and $425,474 in appreciation project a total return of $282,064.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 5.0% |
| Monthly Cash Flow | $(4,751) | $300 |
City averages based on Port Saint Joe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,670 |
| Total Monthly Debt Service | $9,808 |
| DSCR Ratio | 0.58x |
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 2020
8,276 sqft lot
$N/A/sqft
$800 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32456, Port Saint Joe, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,898 (100%) |
| Owner Occupied HU | 3,107 (45.0%) |
| Renter Occupied HU | 755 (10.9%) |
| Vacant Housing Units | 3,036 (44.0%) |
| Median Home Value | $381,495 |
| Average Home Value | $519,804 |
Housing Distribution
Address Breakdown
Residential
4,651
Single Family
4,470
Multi-Family
181
Businesses
390
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 2020
8,276 sqft lot
$N/A/sqft
$800 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32456, Port Saint Joe, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,898 (100%) |
| Owner Occupied HU | 3,107 (45.0%) |
| Renter Occupied HU | 755 (10.9%) |
| Vacant Housing Units | 3,036 (44.0%) |
| Median Home Value | $381,495 |
| Average Home Value | $519,804 |
Housing Distribution
Address Breakdown
Residential
4,651
Single Family
4,470
Multi-Family
181
Businesses
390
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lacey Martina • Naumann Group Real Estate, Inc. - SGI
Mls Name: Forgotten Coast Realtor Association
Mls Provider:
Mls ID: #321781
Disclaimer: Property information provided by the RAFGC MLS a service of the REALTOR Association of Franklin & Gulf Counties. IDX information is provided exclusively for consumers personal, non-commercial use, and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS.