West Bay Plan, Breakwater at Ward Creek - Oasis CollectionPanama City BeachFL32413





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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


Investment Highlights
Total monthly income is $4,519/mo, and annual cash flow is $9,794/yr on $183,580 cash. Return on cash invested measures 25.4% in year one, and rental yield stands at 9.72% at a $557,995 entry. Equity gained on principal adds $3,601/yr while 5% annual appreciation compounds into $154,164 by year five. Five-year ROI records 132.84% and total cumulative return in cash reaches $243,864. Lending can use Ziffy Mortgage’s DSCR loan, which structures approval around $4,519/mo property income versus a $2,731/mo payment rather than borrower’s personal income verification through W2s, Salary slips, and Tax returns.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 32413, Panama City Beach, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,408 (100%) |
| Owner Occupied HU | 5,677 (32.6%) |
| Renter Occupied HU | 2,579 (14.8%) |
| Vacant Housing Units | 9,152 (52.6%) |
| Median Home Value | $430,573 |
| Average Home Value | $517,641 |
Housing Distribution
Address Breakdown
Residential
12,560
Single Family
10,041
Multi-Family
2,519
Businesses
718
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Listed by: N/A • Toll Brothers
Mls Name: Toll Brothers Inc.
Mls Provider:
Mls ID: #N/A








