96461 Stillpoint Way, Fernandina Beach, FL, 32034 | $549/mo Cash Flow

For Sale

Ziffy Mortgage

NMLS #2625701

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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

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Investment Highlights

Investment property for sale in Fernandina Beach at 96461 Stillpoint Way, Fernandina Beach, FL, 32034 offers a 9.43% rental yield on a $449,990 purchase with $3,535/mo rent. Total monthly income registers $3,535/mo, and a $2,202/mo payment leaves $549/mo available for distribution. Annual cash flow reaches $6,591/yr on $149,172 to close, and return on cash invested stands at 24.33% in year one. Equity gained on principal adds $2,904/yr while 5% annual appreciation supports $124,324 over five years. Portfolio math shows five-year ROI at 127.14% and total cumulative return in cash at $189,651. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $3,535/mo property income against a $2,202/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.

Single Family

Built in 2025

7,840 sqft lot

$N/A/sqft

No 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