151 Sawmill Cir #103HealdsburgCA95448
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play151 Sawmill Cir #103, Healdsburg, CA, 95448 in Healdsburg is priced for appreciation, not yield. Rental yield 5.22%. At $1,130,000 with a 5.22% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $312,198 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.97) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $251,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.0% |
| Monthly Cash Flow | $(2,797) | $300 |
City averages based on Healdsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,920 |
| Total Monthly Debt Service | $7,268 |
| DSCR Ratio | 0.68x |
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.
Condo
Built in 2024
531.43 sqft lot
$N/A/sqft
$727 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95448, Healdsburg, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,687 (100%) |
| Owner Occupied HU | 4,041 (52.6%) |
| Renter Occupied HU | 2,488 (32.4%) |
| Vacant Housing Units | 1,158 (15.1%) |
| Median Home Value | $1,089,454 |
| Average Home Value | $1,288,598 |
Housing Distribution
Address Breakdown
Residential
7,613
Single Family
7,432
Multi-Family
181
Businesses
1,301
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 2024
531.43 sqft lot
$N/A/sqft
$727 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95448, Healdsburg, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,687 (100%) |
| Owner Occupied HU | 4,041 (52.6%) |
| Renter Occupied HU | 2,488 (32.4%) |
| Vacant Housing Units | 1,158 (15.1%) |
| Median Home Value | $1,089,454 |
| Average Home Value | $1,288,598 |
Housing Distribution
Address Breakdown
Residential
7,613
Single Family
7,432
Multi-Family
181
Businesses
1,301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Francine E Huss • Sotheby's International Realty
Mls Name: BAREIS
Mls Provider:
Mls ID: #324092077
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.