$2,600,000
Investment Summary
- Monthly Cash Flow
- -$10,138
- Cap Rate
- 1.5%
- Cash-on-Cash Return
- -20.3%
- Debt Coverage Ratio
- 0.24
- Internal Rate of Return (5 years)
- -15.6%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Property Description
Under contract-accepting backup offers. Welcome to this extraordinary luxury lakefront estate in the exclusive Lakeshore Preserve community of Winter Garden. Nestled on the pristine shores of Panther Lake, this fully reimagined residence offers over 6,000 square feet of refined living space with direct lake access, impeccable upgrades, and panoramic water views. Boasting 5 spacious bedrooms, 5.5 elegantly appointed bathrooms, a dedicated executive office, and a generous bonus room, this home perfectly balances modern sophistication with warm Mediterranean charm. This home offers stunning Interior Features such as soaring ceilings and unobstructed lake views welcome you the moment you step through the front door. This lake front home also has a chef-inspired kitchen features an oversized quartz island (with storage space on both sides of island), Viking professional appliances including an 8-burner gas cooktop with dual ovens, a separate electric oven and microwave, farmhouse sink, Liebherr wine fridge, and custom cabinetry. Thoughtfully designed Butler’s pantry and walk-in pantry has abundant storage and prep space. Enjoy open-concept living areas flow seamlessly, anchored by exposed ceiling beams, a custom electric fireplace, and built-in shelving. The primary bedroom has been reimagined with spa-like private pool access, breathtaking lake views, dual walk-in closets, and a luxurious bath with oversized shower, freestanding soaking tub, and high-end finishes. The west wing includes a fully updated laundry room, executive office, and a private guest suite with its own garage entrance which is ideal for multi-generational living or a private in-law suite. Upstairs you will find a retreat with a large secondary primary suite includes an en suite bath and dual closets. There are two additional bedrooms upstairs to provide comfort and privacy for family or guests. The open loft leads to a screened balcony with stunning views of Panther Lake. Upstairs there is a massive bonus room, currently serving as a game and media room, with endless possibilities for entertainment. Outside you will find retractable screens that enclose the expansive lanai, both upstairs and down stairs. Heated pool and spa with tranquil waterfall features. Summer kitchen with a brand-new built-in grill is perfect for lakeside entertaining. Enjoy direct access to the lakefront, making this home a rare Florida waterfront gem. Three-car garage: 2-car main garage + 1-car private garage, three AC units and two Rinnai tankless water heaters. Modern Mediterranean architecture enhanced by a circular driveway with dual access points with lots of space for parking. Recent updates include: remodeled bathrooms, custom ceilings and beams, staircase redesign, updated Butler’s pantry, and laundry room. Community & Location highlights include, HOA includes full lawn care and access to premier Lakeshore Preserve amenities, including: Zero-entry resort-style pool, Clubhouse & fitness center, playground, volleyball court, fire pit, dock and kayak launch on Panther Lake. Minutes from major highways, Orange County National Golf Center, Hamlin Town Center, and just a short drive to Walt Disney World. This exceptional home combines breathtaking lake views, meticulous craftsmanship, and luxurious modern upgrades—offering a one-of-a-kind lifestyle in the heart of Central Florida. Don’t miss your opportunity to make this spectacular lakefront property your next home. Contact us today to schedule a private tour.
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Location
Property Details
Parking
- Description: Garage
- Details: Circular Driveway, Driveway, Garage Door Opener, Garage Faces Side, On Street, Oversized, Attached
- Garage Spaces: 3
- Spaces Total: 0
Bedroom Information
- # of Bedrooms: 5
Bathroom Information
- # of Baths (Full): 5
- # of Baths (Total): 6.0
Interior Features
- # of Rooms: 15
- # of Stories: 2
- Fireplace: Yes
Exterior Features
- Exterior Walls Materials: Stucco
- Foundation: Concrete Perimeter, Slab
- Roof Type: Gable or Hip
- Roof Material: Tile
- Pool: Yes
HOA
- Has HOA: Yes
- Association: First Service Residential/ Dwayne Robinson
- HOA Fee: $447/monthly
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 052427533101900
- Lot Size: 21511 sqft
Property Information
- Property Type: Single Family Residence
- Style: Florida, Patio Home, Mediterranean, Traditional
- Year Built: 2019
Tax Information
- Annual Tax: $28,501
Utilities
- Water & Sewer: Public
- Heating: Central, Electric, Natural Gas
- Cooling: Central Air
Location
- County: Orange
Listing Details
Investment Summary
- Monthly Cash Flow
- -$10,138
- Cap Rate
- 1.5%
- Cash-on-Cash Return
- -20.3%
- Debt Coverage Ratio
- 0.24
- Internal Rate of Return (5 years)
- -15.6%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Purchase Details
Purchase PriceThe price paid for the property. Purchase price:
| $2,600,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$2,080,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $520,000 |
Closing CostsFees and expenses associated with purchasing a property, typically ranging from 2% to 5% of the home’s purchase price, paid at the end of a home purchase to cover services like lending, title transfer, and taxes. Closing costs:
| $78,000 |
Rehab CostsCosts incurred to repair or improve the property, including: roof, flooring, exterior siding, kitchen, exterior paint, bathrooms, etc. Rehab costs:
| $0 |
Initial Cash InvestedThe total initial cash invested in the property. Calculation:Down payment + Buying costs + Rehab costs Initial cash invested:
| $598,000 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 6,046 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $430 |
Monthly Rent Per Square FootMonthly rent divided by the number of square feet. This ratio helps investors compare rental income efficiency across properties, markets, and unit sizes Calculation:Monthly Rent / Square Feet Monthly rent per square foot:
| $1.44 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $2,080,000 |
|---|---|
Loan to Value Ratio (LTV)Loan amount divided by the market value of the property. Calculation:Loan Amount / Market Value
Loan to value ratio:
| 80.0% |
Loan TypeThe type of loan (e.g., fixed, adjustable).
Loan type:
| Amortizing |
TermThe loan repayment period in years.
Term:
| 30 years |
Interest RateThe percentage a lender charges on the borrowed amount of a loan, determining the cost of borrowing money.
Interest rate:
| 6.625% |
Principal & Interest (PI)The principal is the portion of the loan payment that reduces the loan balance. The interest is the lender's charge for borrowing money. Calculation:(P * r * (1 + r) ** n) / ((1 + r) ** n - 1) Where:
P = Loan amount (principal)
Principal & interest:
| $13,318 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $2,375 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified.
Insurance:
| $609 |
Private Mortgage Insurance (PMI)A fee that borrowers pay when they take out a conventional loan with a loan-to-value (LTV) ratio above 80%.
Private mortgage insurance (PMI):
| $0 |
Monthly PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. Monthly payment:
| $16,302 |
Operating Income
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Gross RentThe total rental income received from tenants before deducting any expenses. Includes base rent, late fees, pet fees, parking fees, and other recurring charges.
Gross rent:
| $8,700 | $104,400 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$522 | -$6,264 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $8,178 | $98,136 |
Operating Expenses
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services. | 27% | -$2,375 | -$28,502 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified. | 7% | -$609 | -$7,308 |
Property ManagementThe costs associated with hiring a property manager to handle the day-to-day operations of a rental property. Includes management fees, leasing fes, eviction fees, etc. Calculation:Assumes 8% of gross rental income. | 8% | -$696 | -$8,352 |
Repairs & MaintenanceOngoing costs for routine upkeep and minor fixes needed to keep a property in good working condition. Calculation:Assumes 5% of gross rental income. Varies by property age and condition. | 5% | -$435 | -$5,220 |
Capital ExpensesLarge, infrequent costs for major improvements or replacements, like a new roof, HVAC system, or appliances. Calculation:Assumes 5% of gross rental income. Varies by property age. | 5% | -$435 | -$5,220 |
HOA FeesRegular dues paid to a Homeowners Association for community maintenance, amenities, and management. Similar fees include: Condo Association Fees, Co-op Maintenance Fees, etc. | 5% | -$448 | -$5,376 |
Operating ExpensesRecurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation:Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees | 57% | -$4,998 | -$59,978 |
Cash Flow
| Monthly | Yearly | |
|---|---|---|
Net Operating Income (NOI)The income generated from a property after deducting all operating expenses but before deducting mortgage payments, taxes, and capital expenditures. Calculation:Gross Operating Income - Operating Expenses
Net operating income:
| $3,180 | $38,160 |
Mortgage PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. | -$13,318 | -$159,816 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $10,138 | $121,656 |