520 Division StFernandina BeachFL32034








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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


Investment Highlights
Investment property for sale in Fernandina Beach at 520 Division St, Fernandina Beach, FL, 32034 with 5% annual appreciation on a $469,000 basis while $2,340/mo rent supports operations. 94% in year one. Equity gained on principal adds $3,026/yr, and five-year appreciation sums $129,576 alongside rental yield of 5.99%. Five-year ROI measures 71.46% and total cumulative return in cash totals $111,103. Investors can finance this property with Ziffy Mortgage’s DSCR loan that underwrites to $2,340/mo property income versus a $2,296/mo payment rather than your W2s, Paystubs, Tax returns, or 1099 forms.
Single Family
Built in 2025
5,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32034, Fernandina Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,682 (100%) |
| Owner Occupied HU | 15,551 (65.7%) |
| Renter Occupied HU | 3,710 (15.7%) |
| Vacant Housing Units | 4,421 (18.7%) |
| Median Home Value | $586,648 |
| Average Home Value | $675,813 |
Housing Distribution
Address Breakdown
Residential
21,050
Single Family
18,551
Multi-Family
2,499
Businesses
1,193
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Listed by: Dave Hewett • IRON VALLEY REAL ESTATE NORTH FLORIDA
Mls Name: AINCAR
Mls ID: #114368








