Rank #9Single Family HomeCash Flow: $2,007/mo

5 bed / 3 bath · Zephyrhills

Zephyrhills, FL 33542 · Address on request · Zephyrhills

One or more photo(s) has been virtually staged. Price Improvement! Welcome to in the highly desirable Links at Calusa Springs, one of Zephyrhills’ newest communities offering the rare advantage of no CDD fees and a low $125 per month HOA. Situated on a quiet street with only five homes, this spacious newer-construction home features an open floor plan with 5 bedrooms and 3 full baths, ideal for everyday living and entertaining. The first floor offers a large living room/dining room combination, plus one bedroom and a full bath, perfect for guests or flexible use. Upstairs, you’ll find a spacious bonus room, the primary suite, three additional bedrooms, and a convenient layout designed for modern living. With no rear neighbors, the property overlooks open green space and community area, creating a peaceful and private backdrop. Location truly sets this home apart. Enjoy convenient access to Hwy 301, SR 54, and I- , making commuting to Tampa and Wesley Chapel simple and efficient. You’re just minutes from Epperson and Mirada Lagoons, the Sarah Vande Berg Tennis & Wellness Center, East Pasco YMCA, shopping, dining, schools, golf courses, and healthcare facilities. If you’re searching for a move-in ready newer-construction home in Zephyrhills with no CDD fees, low HOA, privacy, and exceptional value, this property delivers location, lifestyle, and comfort. Seller will consider contributing toward buyer closing costs with an acceptable offer

Ask: $349,900
Offer: $348,900
Rent: $3,226/mo
Cash flow: $2,007/mo
After debt (50% dn): $846/mo
Mortgage (50% dn): $1,161/mo
Tax: $802/mo
HOA: $125/mo
Insurance: $292/mo
Beds / baths: 5 / 3
Sqft: 2,785
Year built: 2022
Lot: 5,216 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)

$846/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 5.8% a year on the money you put in.

If you pay all cash

$2,007/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: $859,199
Rent leftovers stacked: $101,566
Rent + price growth: $636,615

Slow growth

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

Worth in 10 years: $446,621
Rent leftovers stacked: $101,566
Rent + price growth: $224,037

Normal growth

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

Worth in 10 years: $541,831
Rent leftovers stacked: $101,566
Rent + price growth: $319,247

Fast growth

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

Worth in 10 years: $686,339
Rent leftovers stacked: $101,566
Rent + price growth: $463,755

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 $2,007/mo every month after bills

With this down payment

5.8%

50% down = $174,450 of your money

Cash left each month

$846/mo

After also paying the $1,161/mo mortgage

How much do you put down?50% · $174,450 · bank loan $174,450

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.

How many years do you keep it?10 years

1 yr8 yr15 yr

Estimated value then

$541,831

Your equity

$392,131

Still owe bank $149,700

Profit vs cash you put in

$319,247

Includes rent leftover + price growth

Avg return per year

11.0%

2.83× your cash back

Recent yearly price changes · Single-family (SFH)

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:

Rent leftovers (like a dividend) — cash you collect each year after bills and the mortgage.
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)

$101,566

10 years of leftover cash stacked up

From price growth

$217,681

Equity today minus the cash you put in

Total return

$319,247

On $174,450 cash in · 11.0%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$10,157	$17,473	$27,629	15.8%
2	$20,313	$35,780	$56,093	15.0%
3	$30,470	$54,963	$85,432	14.2%
4	$40,626	$75,064	$115,691	13.6%
5	$50,783	$96,130	$146,913	13.0%
6	$60,939	$118,208	$179,147	12.5%
7	$71,096	$141,348	$212,444	12.1%
8	$81,252	$165,603	$246,855	11.7%
9	$91,409	$191,028	$282,437	11.3%
10	$101,566	$217,681	$319,247	11.0%
11	$111,722	$245,625	$357,347	10.7%
12	$121,879	$274,923	$396,802	10.4%
13	$132,035	$305,644	$437,680	10.1%
14	$142,192	$337,859	$480,051	9.9%
15	$152,348	$371,644	$523,992	9.7%

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

Zephyrhills · Greater Tampa