92 SUGAR SAND LaneSaint JohnsFL32259
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 92 SUGAR SAND Lane, Saint Johns, FL, 32259 in Saint Johns fits: $870,000, 5.41% gross yield, and a projected 5% annual appreciation rate adding $240,365 in value within five years. Rental yield 5.41%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.00) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,013/yr in principal paydown and $240,365 in appreciation project a total return of $201,205.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.0% |
| Monthly Cash Flow | $(2,038) | $350 |
City averages based on Saint Johns market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,920 |
| Total Monthly Debt Service | $5,612 |
| DSCR Ratio | 0.70x |
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 2017
10,018 sqft lot
$N/A/sqft
$555 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32259, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,430 (100%) |
| Owner Occupied HU | 22,707 (82.8%) |
| Renter Occupied HU | 3,208 (11.7%) |
| Vacant Housing Units | 1,515 ( 5.5%) |
| Median Home Value | $601,330 |
| Average Home Value | $676,148 |
Housing Distribution
Address Breakdown
Residential
25,528
Single Family
23,180
Multi-Family
2,348
Businesses
680
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 2017
10,018 sqft lot
$N/A/sqft
$555 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32259, Jacksonville, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 27,430 (100%) |
| Owner Occupied HU | 22,707 (82.8%) |
| Renter Occupied HU | 3,208 (11.7%) |
| Vacant Housing Units | 1,515 ( 5.5%) |
| Median Home Value | $601,330 |
| Average Home Value | $676,148 |
Housing Distribution
Address Breakdown
Residential
25,528
Single Family
23,180
Multi-Family
2,348
Businesses
680
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: ASHLEY HORVATINCIC LLC • BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Mls Name: realMLS
Mls Provider:
Mls ID: #2077176
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.