945 Winding Oaks DrPalm HarborFL34683
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 945 Winding Oaks Dr, Palm Harbor, FL, 34683 in Palm Harbor deserves attention. This $469,999 property earns $3,940/mo in rent, a 10.06% gross yield, and nets $806/mo after the $2,113/mo payment. DSCR 1.86 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $129,852 compounds alongside $4,329/yr in yearly equity build, for a total cumulative return of $232,011.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.8% |
| Monthly Cash Flow | $806 | $250 |
City averages based on Palm Harbor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,940 |
| Total Monthly Debt Service | $2,932 |
| DSCR Ratio | 1.34x |
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.
Single Family
Built in 1973
8,660 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34683, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,757 (100%) |
| Owner Occupied HU | 11,743 (70.1%) |
| Renter Occupied HU | 3,060 (18.3%) |
| Vacant Housing Units | 1,954 (11.7%) |
| Median Home Value | $476,669 |
| Average Home Value | $538,671 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
12,031
Multi-Family
2,203
Businesses
572
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 1973
8,660 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34683, Palm Harbor, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,757 (100%) |
| Owner Occupied HU | 11,743 (70.1%) |
| Renter Occupied HU | 3,060 (18.3%) |
| Vacant Housing Units | 1,954 (11.7%) |
| Median Home Value | $476,669 |
| Average Home Value | $538,671 |
Housing Distribution
Address Breakdown
Residential
14,234
Single Family
12,031
Multi-Family
2,203
Businesses
572
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Stellar MLS
Mls ID: #TB8401318