3618 Stockton RdPt CharlotteFL33953
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 3618 Stockton Rd, Pt Charlotte, FL, 33953 in Pt Charlotte at $129,900 earns $996/mo in rent and nets $26/mo after the $584/mo payment, a 9.2% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $35,889 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $1,196/yr in principal paydown, total projected return reaches $51,668.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.2% |
| Monthly Cash Flow | $26 | $400 |
City averages based on Pt Charlotte market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $996 |
| Total Monthly Debt Service | $919 |
| DSCR Ratio | 1.08x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Manufactured
Built in 1982
4,791 sqft lot
$N/A/sqft
$1,044 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33953, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,112 (100%) |
| Owner Occupied HU | 4,178 (68.4%) |
| Renter Occupied HU | 524 ( 8.6%) |
| Vacant Housing Units | 1,410 (23.1%) |
| Median Home Value | $430,250 |
| Average Home Value | $458,014 |
Housing Distribution
Address Breakdown
Residential
4,870
Single Family
4,605
Multi-Family
265
Businesses
372
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
Manufactured
Built in 1982
4,791 sqft lot
$N/A/sqft
$1,044 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 33953, Port Charlotte, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,112 (100%) |
| Owner Occupied HU | 4,178 (68.4%) |
| Renter Occupied HU | 524 ( 8.6%) |
| Vacant Housing Units | 1,410 (23.1%) |
| Median Home Value | $430,250 |
| Average Home Value | $458,014 |
Housing Distribution
Address Breakdown
Residential
4,870
Single Family
4,605
Multi-Family
265
Businesses
372
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cynthia Logan • KW Peace River Partners
Mls Name: SWFLMLS
Mls Provider:
Mls ID: #225052786
Disclaimer: The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS. Copyright 2025 Southwest Florida MLS. All rights reserved. The accuracy of this information is not warranted or guaranteed. This information should be independently verified if any person intends to engage in a transaction in reliance upon it.