520 S 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
Rental property for sale in Fernandina Beach at 520 S Division St, Fernandina Beach, FL, 32034 priced at $469,000 converts $2,340/mo rent into after a $2,296/mo obligation. Total monthly income equals $2,340/mo. Return on cash invested prints 13.94% in year one, and rental yield reads 5.99% against a $469,000 entry. Equity gained on principal adds $3,026/yr, while 5% annual appreciation compiles into $129,576 by year five. Five-year ROI reaches 71.46% and total cumulative return in cash sums $111,103. For leverage, Ziffy Mortgage’s DSCR loan bases approval on $2,340/mo property income covering a $2,296/mo payment, not borrower’s personal income.
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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