451 Barrier Dunes DrPt Saint JoeFL32456
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe income profile at 451 Barrier Dunes Dr, Pt Saint Joe, FL, 32456 in Pt Saint Joe is straightforward: $389,000 in, $3,300/mo in rent, $305/mo out after debt service. The 10.18% gross yield and 1.89 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $107,474 by year five. With $3,583/yr in principal equity, the total cumulative return is projected at $194,529.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 5.0% |
| Monthly Cash Flow | $305 | $550 |
City averages based on Pt Saint Joe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,300 |
| Total Monthly Debt Service | $2,427 |
| DSCR Ratio | 1.36x |
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 2000
784.08 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32456, Port Saint Joe, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,898 (100%) |
| Owner Occupied HU | 3,107 (45.0%) |
| Renter Occupied HU | 755 (10.9%) |
| Vacant Housing Units | 3,036 (44.0%) |
| Median Home Value | $381,495 |
| Average Home Value | $519,804 |
Housing Distribution
Address Breakdown
Residential
4,651
Single Family
4,470
Multi-Family
181
Businesses
390
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 2000
784.08 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32456, Port Saint Joe, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,898 (100%) |
| Owner Occupied HU | 3,107 (45.0%) |
| Renter Occupied HU | 755 (10.9%) |
| Vacant Housing Units | 3,036 (44.0%) |
| Median Home Value | $381,495 |
| Average Home Value | $519,804 |
Housing Distribution
Address Breakdown
Residential
4,651
Single Family
4,470
Multi-Family
181
Businesses
390
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbe Wibberg • Port Realty Group
Mls Name: Forgotten Coast Realtor Association
Mls ID: #326495