4932 Ridgemoor CirPalm HarborFL34685
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 4932 Ridgemoor Cir, Palm Harbor, FL, 34685 in Palm Harbor earns a 9.29% gross yield at $539,900. Rent of $4,181/mo nets $522/mo after the $2,428/mo mortgage. The 1.72 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $149,164 and $4,973/yr in equity accumulation project a total cumulative return of $244,261.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.8% |
| Monthly Cash Flow | $522 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,181 |
| Total Monthly Debt Service | $3,368 |
| DSCR Ratio | 1.24x |
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 1996
6,599 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34685, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,863 (100%) |
| Owner Occupied HU | 5,509 (70.1%) |
| Renter Occupied HU | 1,932 (24.6%) |
| Vacant Housing Units | 422 ( 5.4%) |
| Median Home Value | $580,984 |
| Average Home Value | $635,364 |
Housing Distribution
Address Breakdown
Residential
7,732
Single Family
5,257
Multi-Family
2,475
Businesses
178
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 1996
6,599 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34685, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,863 (100%) |
| Owner Occupied HU | 5,509 (70.1%) |
| Renter Occupied HU | 1,932 (24.6%) |
| Vacant Housing Units | 422 ( 5.4%) |
| Median Home Value | $580,984 |
| Average Home Value | $635,364 |
Housing Distribution
Address Breakdown
Residential
7,732
Single Family
5,257
Multi-Family
2,475
Businesses
178
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #TB8487460