Rank #4TownhomeCash Flow: $1,432/mo

3 bed / 3 bath · Plant City

Plant City, FL 33563 · Address on request · Seffner

Welcome to , a 3-bedroom, 2.5-bath townhome with approximately 1,805 square feet in Plant City’s gated Walden Woods community. With two screened patios, a two-car garage, no carpet, and no CDD fee, this home offers space to enjoy indoors and out. The kitchen features granite countertops, stainless steel appliances, white cabinetry, a pantry, and breakfast bar seating that opens to the living area. Crown molding adds a finishing touch, while a dedicated indoor laundry room offers everyday convenience. Recent improvements include a new HVAC system and upgraded water heater in 2024, plus updated vinyl flooring and kitchen appliances in 2023. Upstairs, the primary suite includes an en-suite bath with dual sinks and a walk-in closet. Two additional bedrooms offer flexible space for guests, an office, or hobbies. Outside, enjoy two screened patios and a grassy yard with a white privacy fence. The attached two-car garage provides storage and parking, with a driveway that may accommodate up to four additional vehicles. Walden Woods residents have access to a community pool, and the location offers convenient access to Plant City shopping, dining, and routes toward the greater Tampa Bay area. Schedule your showing to see this Plant City townhome in person!

Ask: $250,000
Offer: $246,300
Rent: $2,194/mo
Cash flow: $1,432/mo
After debt (50% dn): $613/mo
Mortgage (50% dn): $819/mo
Tax: $188/mo
HOA: $366/mo
Insurance: $208/mo
Beds / baths: 3 / 3
Sqft: 1,805
Year built: 2008
Lot: 935 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)

$613/mo

Rent minus taxes, HOA, insurance, and the mortgage. That’s about 6.0% a year on the money you put in.

If you pay all cash

$1,432/mo

No mortgage payment. About 7.0% 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: $547,657
Rent leftovers stacked: $73,522
Rent + price growth: $392,351

Slow growth

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

Worth in 10 years: $300,238
Rent leftovers stacked: $73,522
Rent + price growth: $144,932

Normal growth

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

Worth in 10 years: $364,584
Rent leftovers stacked: $73,522
Rent + price growth: $209,278

Fast growth

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

Worth in 10 years: $462,339
Rent leftovers stacked: $73,522
Rent + price growth: $307,033

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

7.0%

You keep about $1,432/mo every month after bills

With this down payment

6.0%

50% down = $123,150 of your money

Cash left each month

$613/mo

After also paying the $819/mo mortgage

How much do you put down?50% · $123,150 · bank loan $123,150

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.

Modeled at ~88% of Tampa SFH HPI YoY (attached product between condo and detached). Forward rates between SFH and condo.

Last 1 year avg growth

-0.7% / yr

Last 5 years avg growth

9.1% / yr

Last 10 years avg growth

8.3% / yr

A middle-of-the-road guess for the next several years. Using 4.0% growth per year.

How many years do you keep it?10 years

1 yr8 yr15 yr

Estimated value then

$364,584

Your equity

$258,906

Still owe bank $105,678

Profit vs cash you put in

$209,278

Includes rent leftover + price growth

Avg return per year

10.4%

2.70× your cash back

Recent yearly price changes · Townhome

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)

$73,522

10 years of leftover cash stacked up

From price growth

$135,756

Equity today minus the cash you put in

Total return

$209,278

On $123,150 cash in · 10.4%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$7,352	$11,103	$18,455	15.0%
2	$14,704	$22,690	$37,395	14.2%
3	$22,056	$34,785	$56,841	13.5%
4	$29,409	$47,409	$76,818	12.9%
5	$36,761	$60,589	$97,349	12.4%
6	$44,113	$74,348	$118,461	11.9%
7	$51,465	$88,716	$140,181	11.5%
8	$58,817	$103,720	$162,537	11.1%
9	$66,169	$119,389	$185,559	10.8%
10	$73,522	$135,756	$209,278	10.4%
11	$80,874	$152,854	$233,727	10.2%
12	$88,226	$170,716	$258,942	9.9%
13	$95,578	$189,380	$284,958	9.7%
14	$102,930	$208,884	$311,814	9.4%
15	$110,282	$229,268	$339,551	9.2%

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

Seffner · Greater Tampa