Rank #5TownhomeCash Flow: $1,416/mo

3 bed / 3 bath · Zephyrhills

Zephyrhills, FL 33544 · Address on request · Zephyrhills

Virtually Staged. BACK ON THE MARKET, NO FAULT OF THE SELLER OR PROPERTY! Property appraised and inspections completed. Don’t miss this second chance, there loos, is your gain! Freshly updated 3 bedroom, 2.5 bathroom end-unit townhome in a gated Wesley Chapel community. The home was recently upgraded with new laminate flooring and fresh interior paint, along with updated lighting, granite countertops, and solid wood cabinetry, giving the space a clean, move-in ready feel. Being an end unit, the home offers extra privacy and natural light. Up front you’ll find a welcoming covered porch that’s perfect for morning coffee, while the recently epoxy-coated rear lanai provides a comfortable outdoor space without having a neighbor on one adjacent side. The HOA also allows fencing if a future owner wants to create an even more private setting as shown in the staged photo. As mentioned, the community itself is gated with a private pool and two assigned parking spaces, and the location is one of the biggest highlights. You’re just minutes from I-75, Wesley Chapel Blvd, SR 56, and Overpass Road, making commuting easy. Everyday convenience is right around the corner with The Grove at Wesley Chapel, KRATE at The Grove, along with plenty of dining, shopping, and entertainment. Tampa Premium Outlets is about 10 minutes away, and Epperson Lagoon is roughly 15 minutes away. A great opportunity to own in one of Wesley Chapel’s fastest growing areas. Schedule your showing today!!

Ask: $242,500
Offer: $241,400
Rent: $2,249/mo
Cash flow: $1,416/mo
After debt (50% dn): $613/mo
Mortgage (50% dn): $803/mo
Tax: $316/mo
HOA: $315/mo
Insurance: $202/mo
Beds / baths: 3 / 3
Sqft: 1,650
Year built: 2016
Lot: 2,483 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 6.1% a year on the money you put in.

If you pay all cash

$1,416/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: $536,762
Rent leftovers stacked: $73,558
Rent + price growth: $386,044

Slow growth

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

Worth in 10 years: $294,265
Rent leftovers stacked: $73,558
Rent + price growth: $143,547

Normal growth

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

Worth in 10 years: $357,331
Rent leftovers stacked: $73,558
Rent + price growth: $206,613

Fast growth

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

Worth in 10 years: $453,141
Rent leftovers stacked: $73,558
Rent + price growth: $302,423

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 $1,416/mo every month after bills

With this down payment

6.1%

50% down = $120,700 of your money

Cash left each month

$613/mo

After also paying the $803/mo mortgage

How much do you put down?50% · $120,700 · bank loan $120,700

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

$357,331

Your equity

$253,755

Still owe bank $103,576

Profit vs cash you put in

$206,613

Includes rent leftover + price growth

Avg return per year

10.5%

2.71× 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)

$73,558

10 years of leftover cash stacked up

From price growth

$133,055

Equity today minus the cash you put in

Total return

$206,613

On $120,700 cash in · 10.5%/yr avg

Where the money comes from (year 10)

Rent leftoversPrice growth

Year	Rent stacked	Equity gain	Total return	Avg / yr
1	$7,356	$10,882	$18,238	15.1%
2	$14,712	$22,239	$36,951	14.3%
3	$22,067	$34,093	$56,160	13.6%
4	$29,423	$46,466	$75,889	13.0%
5	$36,779	$59,383	$96,162	12.4%
6	$44,135	$72,869	$117,004	12.0%
7	$51,490	$86,951	$138,441	11.5%
8	$58,846	$101,656	$160,502	11.2%
9	$66,202	$117,014	$183,216	10.8%
10	$73,558	$133,055	$206,613	10.5%
11	$80,913	$149,813	$230,726	10.2%
12	$88,269	$167,320	$255,589	9.9%
13	$95,625	$185,612	$281,237	9.7%
14	$102,981	$204,728	$307,709	9.5%
15	$110,336	$224,707	$335,043	9.3%

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