439 Big Cedar RdPonce De LeonFL32455
INVESTMENT ANALYSIS
Investment Verdict
Solid Income439 Big Cedar Rd, Ponce De Leon, FL, 32455 in Ponce De Leon is a solid income-producing rental, 9.23% gross yield, $2,461/mo rent, $338/mo net cash flow on a $320,000 buy. DSCR 1.71 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $88,410 and $2,947/yr in principal reduction project a total cumulative return of $143,684.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 5.0% |
| Monthly Cash Flow | $338 | $1,500 |
City averages based on Ponce De Leon market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,461 |
| Total Monthly Debt Service | $1,996 |
| DSCR Ratio | 1.23x |
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.
Single Family
Built in 1989
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32455, Ponce De Leon, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,460 (100%) |
| Owner Occupied HU | 1,573 (63.9%) |
| Renter Occupied HU | 315 (12.8%) |
| Vacant Housing Units | 572 (23.3%) |
| Median Home Value | $134,815 |
| Average Home Value | $220,114 |
Housing Distribution
Address Breakdown
Residential
2,016
Single Family
2,016
Multi-Family
0
Businesses
78
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 1989
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32455, Ponce De Leon, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,460 (100%) |
| Owner Occupied HU | 1,573 (63.9%) |
| Renter Occupied HU | 315 (12.8%) |
| Vacant Housing Units | 572 (23.3%) |
| Median Home Value | $134,815 |
| Average Home Value | $220,114 |
Housing Distribution
Address Breakdown
Residential
2,016
Single Family
2,016
Multi-Family
0
Businesses
78
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kaitlyn Fucci • Counts Real Estate Group Inc
Mls Name: CPAR
Mls ID: #778860