250 Spruce Hill PointSaint JohnsFL32259
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing250 Spruce Hill Point, Saint Johns, FL, 32259 in Saint Johns is a stable, well-positioned rental at $552,404. Rental yield 6.52%. DSCR 1.21 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $152,619 in value and $5,088/yr in principal paydown builds equity, a total projected return of $167,691.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.5% | 6.0% |
| Monthly Cash Flow | $(666) | $350 |
City averages based on Saint Johns market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $3,446 |
| DSCR Ratio | 0.87x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32259, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,430 (100%) |
| Owner Occupied HU | 22,707 (82.8%) |
| Renter Occupied HU | 3,208 (11.7%) |
| Vacant Housing Units | 1,515 ( 5.5%) |
| Median Home Value | $601,330 |
| Average Home Value | $676,148 |
Housing Distribution
Address Breakdown
Residential
25,528
Single Family
23,180
Multi-Family
2,348
Businesses
680
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32259, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,430 (100%) |
| Owner Occupied HU | 22,707 (82.8%) |
| Renter Occupied HU | 3,208 (11.7%) |
| Vacant Housing Units | 1,515 ( 5.5%) |
| Median Home Value | $601,330 |
| Average Home Value | $676,148 |
Housing Distribution
Address Breakdown
Residential
25,528
Single Family
23,180
Multi-Family
2,348
Businesses
680
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Mattamy Homes
Mls Name: Mattamy Homes
Mls ID: #N/A