539 Santa Maria DrFernandina 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
Total monthly income runs $3,532/mo, and a $3,719/mo payment. Purchase price stands at $759,900, and rental yield measures 5.58% with $3,532/mo rent. Return on cash invested shows 12.53% in year one, and 5% annual appreciation builds toward $209,946 over five years. Five-year ROI reaches 63.95% and total cumulative return in cash records $159,870. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $3,532/mo property income covering a $3,719/mo payment rather than investor’s personal income.
Single Family
Built in 2010
8,250 sqft lot
$N/A/sqft
$700 annually 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: Hernan Miranda • PINEYWOODS REALTY, LLC
Mls Name: AINCAR
Mls Provider:
Mls ID: #112911
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.







