2920 Wood Duck DrPolk CityFL33868
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2920 Wood Duck Dr, Polk City, FL, 33868 in Polk City is priced for appreciation, not yield. Rental yield 5.32%. At $349,000 with a 5.32% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $96,422 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.99) 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: $83,582.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.0% |
| Monthly Cash Flow | $(769) | $1,200 |
City averages based on Polk City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,547 |
| Total Monthly Debt Service | $2,177 |
| DSCR Ratio | 0.71x |
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 2016
4,499 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33868, Polk City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,455 (100%) |
| Owner Occupied HU | 4,110 (75.3%) |
| Renter Occupied HU | 673 (12.3%) |
| Vacant Housing Units | 672 (12.3%) |
| Median Home Value | $285,309 |
| Average Home Value | $334,063 |
Housing Distribution
Address Breakdown
Residential
5,227
Single Family
5,198
Multi-Family
29
Businesses
190
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 2016
4,499 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33868, Polk City, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,455 (100%) |
| Owner Occupied HU | 4,110 (75.3%) |
| Renter Occupied HU | 673 (12.3%) |
| Vacant Housing Units | 672 (12.3%) |
| Median Home Value | $285,309 |
| Average Home Value | $334,063 |
Housing Distribution
Address Breakdown
Residential
5,227
Single Family
5,198
Multi-Family
29
Businesses
190
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices