61 SUMMER MOON DriveSaint AugustineFL32095
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 61 SUMMER MOON Drive, Saint Augustine, FL, 32095 in Saint Augustine at $321,990 earns $2,224/mo in rent and nets $22/mo after the $1,448/mo payment, a 8.29% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,960 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $2,966/yr in principal paydown, total projected return reaches $124,465.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $22 | $200 |
City averages based on Saint Augustine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,224 |
| Total Monthly Debt Service | $2,074 |
| DSCR Ratio | 1.07x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Townhouse
Built in 2024
N/A lot
$N/A/sqft
$65 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
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
Townhouse
Built in 2024
N/A lot
$N/A/sqft
$65 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32095, Saint Augustine, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,370 (100%) |
| Owner Occupied HU | 7,845 (69.0%) |
| Renter Occupied HU | 1,719 (15.1%) |
| Vacant Housing Units | 1,806 (15.9%) |
| Median Home Value | $547,345 |
| Average Home Value | $705,162 |
Housing Distribution
Address Breakdown
Residential
9,328
Single Family
9,172
Multi-Family
156
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CHARLIE ROGERS • D R HORTON REALTY INC
Mls Name: realMLS
Mls Provider:
Mls ID: #2068345
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. Data is deemed reliable but is not guaranteed accurate by realMLS.