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Rank #5Single Family HomeCash Flow: $2,235/mo

4 bed / 3 bath · Land O Lakes

Land O Lakes, FL 34637 · Address on request · Land O Lakes

Virtually Staged. Welcome home to this spacious 4-bedroom + den / office, 2.5-bath residence located in the highly desirable Connerton community of Land O’ Lakes! Offering a functional and inviting floor plan, this home provides plenty of space for everyday living, entertaining, and working from home. The property features four generously sized bedrooms, 2.5 bathrooms, and a convenient 2-car garage with ample storage. Enjoy everything the Connerton lifestyle brings, with resort-style community amenities including a clubhouse, swimming pools, fitness center, playgrounds, parks, walking and biking trails, and sports courts. The community is designed for an active Florida lifestyle with beautiful outdoor spaces and plenty of opportunities to relax and enjoy the neighborhood. Conveniently located near shopping, dining, schools, and major roadways, this home offers the perfect combination of comfort, space, and community living. Don't miss your opportunity to call one of Land O’ Lakes' most sought-after communities home!

Ask
$395,000
Offer
$390,700
Rent
$3,284/mo
Cash flow
$2,235/mo
After debt (50% dn)
$935/mo
Mortgage (50% dn)
$1,300/mo
Tax
$546/mo
HOA
$174/mo
Insurance
$329/mo
Beds / baths
4 / 3
Sqft
2,784
Year built
2020
Lot
6,233 sqft

Money Models

Summary of the various models

These numbers use a simple setup: you put half the price down and keep the property for 10 years. Each card is a different guess about how fast prices rise.

Cash left each month (half down)

$935/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 5.7% a year on the money you put in.

If you pay all cash

$2,235/mo

No mortgage payment. About 6.9% a year on the full purchase price.

Like the last 10 years

Uses how fast this type of property grew in Tampa over the past 10 years.

Worth in 10 years
$962,135
Rent leftovers stacked
$112,240
Rent + price growth
$711,390

Slow growth

Assumes prices go up slowly. Safer / more careful guess.

Worth in 10 years
$500,129
Rent leftovers stacked
$112,240
Rent + price growth
$249,384

Normal growth

A middle-of-the-road guess for the next several years.

Worth in 10 years
$606,745
Rent leftovers stacked
$112,240
Rent + price growth
$356,000

Fast growth

Assumes a strong market. Good case, not a promise.

Worth in 10 years
$768,566
Rent leftovers stacked
$112,240
Rent + price growth
$517,821

The sections below let you move the down payment and the years if you want. You already have the picture if you stop here.

Model 1

Cash-on-cash (your yearly paycheck %)

What is this in plain English?

Imagine you put some money down to buy the house. Every month, tenants pay rent. After you pay taxes, HOA, insurance, and the mortgage, whatever cash is left is your “paycheck” from the property.

Cash-on-cash answers: “If I put in $X, what % of that do I get back each year in leftover cash?” Example: put in $100,000 and get $8,000/year left over → 8% cash-on-cash.

Move the slider to change how much you put down (1% = mostly borrowed, 100% = you pay all cash and have no mortgage payment).

If you pay all cash

6.9%

You keep about $2,235/mo every month after bills

With this down payment

5.7%

50% down = $195,350 of your money

Cash left each month

$935/mo

After also paying the $1,300/mo mortgage

50% · $195,350 · bank loan $195,350
1% down50%100% all cash
Open mortgage calculator with these numbers →

Model 2

Price growth (will the property be worth more?)

What is this in plain English?

Houses (and land) often cost more years later than they do today. That rise in price is called appreciation.

This model guesses: “If prices grow like ___, what is this property worth after 1 to 15 years?” It also tracks how much of the loan you’ve paid off, so you can see your equity (value minus what’s still owed to the bank).

Pick a growth speed below, then slide how many years you plan to hold. These are scenarios — not guarantees.

Tampa–St. Petersburg FHFA HPI (all-transactions). Forward base ≈ long-run metro mean; conservative/optimistic band ±2.5 pts.

Last 1 year avg growth

-0.8% / yr

Last 5 years avg growth

10.3% / yr

Last 10 years avg growth

9.4% / yr

A middle-of-the-road guess for the next several years. Using 4.5% growth per year.

10 years
1 yr8 yr15 yr

Estimated value then

$606,745

Your equity

$439,111

Still owe bank $167,634

Profit vs cash you put in

$356,000

Includes rent leftover + price growth

Avg return per year

10.9%

2.82× your cash back

Recent yearly price changes · Single-family (SFH)

16
17
18
19
20
21
22
23
24
25

Model 3

Total return (rent + price growth together)

What is this in plain English?

Real estate can pay you in two ways at the same time:

  1. Rent leftovers (like a dividend) — cash you collect each year after bills and the mortgage.
  2. Price growth — the property becoming worth more than what you still owe, so your equity grows.

This model adds both over the years you chose above. That combined number is your estimated total return. Uses the same down payment and growth scenario from Models 1 and 2.

From rent (dividends)

$112,240

10 years of leftover cash stacked up

From price growth

$243,761

Equity today minus the cash you put in

Total return

$356,000

On $195,350 cash in · 10.9%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth
YearRent stackedEquity gainTotal returnAvg / yr
1$11,224$19,566$30,79015.8%
2$22,448$40,066$62,51414.9%
3$33,672$61,547$95,21914.2%
4$44,896$84,057$128,95313.5%
5$56,120$107,647$163,76712.9%
6$67,344$132,370$199,71412.5%
7$78,568$158,282$236,85012.0%
8$89,792$185,443$275,23511.6%
9$101,016$213,914$314,93011.3%
10$112,240$243,761$356,00010.9%
11$123,464$275,052$398,51610.6%
12$134,688$307,861$442,54810.4%
13$145,912$342,262$488,17410.1%
14$157,136$378,337$535,4729.9%
15$168,360$416,169$584,5299.7%

Tip: change the down-payment slider in Model 1 and the years / growth buttons in Model 2 — this total-return table updates automatically.

Land O Lakes · Greater Tampa

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DISCLAIMERS

Figures (taxes, HOA, insurance, rent, cash flow, offer, mortgage, and model outputs) are estimates from public data and automated models — not guarantees of value, income, or returns. Full disclaimers

Licensed solicitation by Sam Kasimalla, FL Real Estate Agent, LPT Realty LLC · Equal Housing Opportunity · Read full disclaimers · Privacy policy