326 Gianna WaySaint AugustineFL32086
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderCapital preservation and steady income define 326 Gianna Way, Saint Augustine, FL, 32086 in Saint Augustine. Rental yield 7.67%. The 1.42 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $148,087 and $4,937/yr in principal reduction project total return of $165,964.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $(171) | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,427 |
| Total Monthly Debt Service | $3,844 |
| DSCR Ratio | 0.89x |
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 2013
9,147 sqft lot
$N/A/sqft
$500 semi-annual HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32086, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,295 (100%) |
| Owner Occupied HU | 11,913 (73.1%) |
| Renter Occupied HU | 2,942 (18.1%) |
| Vacant Housing Units | 1,440 ( 8.8%) |
| Median Home Value | $463,641 |
| Average Home Value | $526,140 |
Housing Distribution
Address Breakdown
Residential
15,765
Single Family
14,243
Multi-Family
1,522
Businesses
1,131
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 2013
9,147 sqft lot
$N/A/sqft
$500 semi-annual HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32086, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,295 (100%) |
| Owner Occupied HU | 11,913 (73.1%) |
| Renter Occupied HU | 2,942 (18.1%) |
| Vacant Housing Units | 1,440 ( 8.8%) |
| Median Home Value | $463,641 |
| Average Home Value | $526,140 |
Housing Distribution
Address Breakdown
Residential
15,765
Single Family
14,243
Multi-Family
1,522
Businesses
1,131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Teresa Mercurio • Team 100 Realty
Mls Name: St Augustine St Johns County BOR
Mls Provider:
Mls ID: #254159
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. 2025 St Augustine & St. Johns County Board of REALTORS. All rights reserved.