539 Santa Maria DrFernandina BeachFL32034
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 539 Santa Maria Dr, Fernandina Beach, FL, 32034 in Fernandina Beach fits: $759,900, 5.58% gross yield, and a projected 5% annual appreciation rate adding $209,946 in value within five years. Rental yield 5.58%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.03) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,999/yr in principal paydown and $209,946 in appreciation project a total return of $188,943.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(1,570) | $200 |
City averages based on Fernandina Beach market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,532 |
| Total Monthly Debt Service | $4,799 |
| DSCR Ratio | 0.74x |
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 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
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 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
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.