4634 Stargazer CtPalm HarborFL34683
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.52% yield at 4634 Stargazer Ct, Palm Harbor, FL, 34683 in Palm Harbor is solid, but the $1,673/mo payment compresses net cash flow to $35/mo at $371,990. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $102,774 by year five, and $3,426/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.58) without U.S. income documentation. Total projected return: $152,824.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.8% |
| Monthly Cash Flow | $35 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,640 |
| Total Monthly Debt Service | $2,321 |
| DSCR Ratio | 1.14x |
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
2,705 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34683, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,757 (100%) |
| Owner Occupied HU | 11,743 (70.1%) |
| Renter Occupied HU | 3,060 (18.3%) |
| Vacant Housing Units | 1,954 (11.7%) |
| Median Home Value | $476,669 |
| Average Home Value | $538,671 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
12,031
Multi-Family
2,203
Businesses
572
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
2,705 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34683, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,757 (100%) |
| Owner Occupied HU | 11,743 (70.1%) |
| Renter Occupied HU | 3,060 (18.3%) |
| Vacant Housing Units | 1,954 (11.7%) |
| Median Home Value | $476,669 |
| Average Home Value | $538,671 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
12,031
Multi-Family
2,203
Businesses
572
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #A4689185