3941 N Seminole PointCrystal RiverFL34428
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3941 N Seminole Point, Crystal River, FL, 34428 in Crystal River the bet is firmly on appreciation. Rental yield 5.13%. The 5.13% gross yield on a $545,900 price is below income-first thresholds, but 5%/yr value growth projects $150,822 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.95) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $125,151.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(1,289) | $300 |
City averages based on Crystal River market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,334 |
| Total Monthly Debt Service | $3,405 |
| DSCR Ratio | 0.69x |
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 1969
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34428, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,401 (100%) |
| Owner Occupied HU | 3,519 (65.2%) |
| Renter Occupied HU | 1,044 (19.3%) |
| Vacant Housing Units | 838 (15.5%) |
| Median Home Value | $326,153 |
| Average Home Value | $350,676 |
Housing Distribution
Address Breakdown
Residential
5,072
Single Family
4,921
Multi-Family
151
Businesses
268
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 1969
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34428, Crystal River, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,401 (100%) |
| Owner Occupied HU | 3,519 (65.2%) |
| Renter Occupied HU | 1,044 (19.3%) |
| Vacant Housing Units | 838 (15.5%) |
| Median Home Value | $326,153 |
| Average Home Value | $350,676 |
Housing Distribution
Address Breakdown
Residential
5,072
Single Family
4,921
Multi-Family
151
Businesses
268
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tina Lanhart • Vision Property Management
Mls Name: Realtors Association of Citrus County
Mls Provider:
Mls ID: #843370
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.