5119 OTTER CREEK DrivePonte Vedra BeachFL32082
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing5119 OTTER CREEK Drive, Ponte Vedra Beach, FL, 32082 in Ponte Vedra Beach is a stable, well-positioned rental at $998,000. Rental yield 6.37%. DSCR 1.21 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $275,729 in value and $9,192/yr in principal paydown builds equity, a total projected return of $302,397.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 5.8% |
| Monthly Cash Flow | $(1,350) | $600 |
City averages based on Ponte Vedra Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,412 |
| Total Monthly Debt Service | $6,226 |
| DSCR Ratio | 0.87x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1986
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32082, Ponte Vedra Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,721 (100%) |
| Owner Occupied HU | 11,389 (72.4%) |
| Renter Occupied HU | 2,720 (17.3%) |
| Vacant Housing Units | 1,612 (10.3%) |
| Median Home Value | $792,695 |
| Average Home Value | $967,818 |
Housing Distribution
Address Breakdown
Residential
14,755
Single Family
11,812
Multi-Family
2,943
Businesses
836
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 1986
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32082, Ponte Vedra Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,721 (100%) |
| Owner Occupied HU | 11,389 (72.4%) |
| Renter Occupied HU | 2,720 (17.3%) |
| Vacant Housing Units | 1,612 (10.3%) |
| Median Home Value | $792,695 |
| Average Home Value | $967,818 |
Housing Distribution
Address Breakdown
Residential
14,755
Single Family
11,812
Multi-Family
2,943
Businesses
836
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: JENNIFER WHITE • PONTE VEDRA CLUB REALTY, INC.
Mls Name: realMLS
Mls ID: #2111973