304 Ember Ln LOT 300Panama City BeachFL32413








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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


Investment Highlights
Investment property for sale in Panama City Beach at 304 Ember Ln LOT 300, Panama City Beach, FL, 32413 offers a 8.05% rental yield on a $899,000 purchase with $6,031/mo rent. Total monthly income registers $6,031/mo, and a $4,400/mo payment leaves $65/mo available for distribution. Annual cash flow reaches $783/yr on $295,771 to close, and return on cash invested stands at 20.32% in year one. Equity gained on principal adds $5,801/yr while 5% annual appreciation supports $248,377 over five years. Portfolio math shows five-year ROI at 105.64% and total cumulative return in cash at $312,454. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $6,031/mo property income against a $4,400/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 2025
7,200 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32413, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,408 (100%) |
| Owner Occupied HU | 5,677 (32.6%) |
| Renter Occupied HU | 2,579 (14.8%) |
| Vacant Housing Units | 9,152 (52.6%) |
| Median Home Value | $430,573 |
| Average Home Value | $517,641 |
Housing Distribution
Address Breakdown
Residential
12,560
Single Family
10,041
Multi-Family
2,519
Businesses
718
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Listed by: Nathan O Gido • Jacksonville TBI Realty LLC
Mls Name: ECAOR
Mls ID: #989286








