42 PASADENA DriveSaint AugustineFL32095
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 42 PASADENA Drive, Saint Augustine, FL, 32095 in Saint Augustine. At $363,990 it earns $2,942/mo in rent and distributes $461/mo to the owner after the $1,637/mo payment, a consistent 9.7% yield. DSCR 1.80 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $100,564 in value; $3,352/yr in principal paydown compounds ownership stake. Total projected return: $172,649.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 6.0% |
| Monthly Cash Flow | $461 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,942 |
| Total Monthly Debt Service | $2,271 |
| DSCR Ratio | 1.30x |
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.
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
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
Townhouse
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CHARLIE ROGERS • D R HORTON REALTY INC
Mls Name: realMLS
Mls ID: #2127125