$1,450,000
Investment Summary
- Monthly Cash Flow
- -$5,838
- Cap Rate
- 1.3%
- Cash-on-Cash Return
- -21.0%
- Debt Coverage Ratio
- 0.21
- Internal Rate of Return (5 years)
- -16.3%
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. Your private resort awaits in the heart of Sweetwater Club! Tucked behind the gates of the prestigious Sweetwater Club in Longwood, discover this secluded and luxurious pool estate on 1.5 acres of pristine, tree-lined land. A sanctuary of space, sophistication and style, this residence delivers the best of Florida living—indoors and out—with an array of modern upgrades and timeless design elements throughout. As you arrive, you're welcomed by a winding circular driveway framed by towering trees, professionally designed landscaping and elegant stone steps leading to the grand double glass entry doors. The home's curb appeal is a blend of understated luxury and contemporary charm, complete with accented columns, a spacious three-car garage and thoughtfully manicured grounds offering privacy and presence. Enter to an impressive foyer with gleaming marble flooring, upgraded lighting and ambient recessed lighting that extends seamlessly throughout the nearly 5,000 square feet of refined living space. The layout is airy and expansive, anchored by four generously sized bedrooms, 3.5 beautifully updated baths and multiple living spaces ideal for everyday comfort or grand-scale entertaining. The sunken living room exudes elegance, featuring a striking electric fireplace with stone surround and triple sliding glass doors that invite the outdoors in, opening up to your private lanai and pool retreat. At the heart of the home is the gourmet chef’s kitchen, a showstopper complete with a massive waterfall-edge island, pendant lighting, custom cabinetry with showcase-style glass doors, stone countertops and high-end appliances, including a built-in stovetop and ovens. This kitchen is as functional as it is beautiful, designed for entertaining and everyday ease. Adjacent to the kitchen, the elevated dining room boasts a dramatic three-panel picture window, creating a light-filled backdrop for intimate dinners or formal gatherings. The sprawling primary suite offers a private haven, complete with a separate sitting area, luxury vinyl wood flooring and private access to the outdoors. The spa-inspired en-suite bath is a work of art, featuring floor-to-ceiling marble tile, an oversized seamless glass shower with a rainfall showerhead, floating dual vanities, a sleek LED mirror and custom walk-in closet with built-ins plus room to expand. Three additional guest bedrooms are thoughtfully positioned, each with access to stylishly renovated baths adorned with designer fixtures and marble wall tile. A dedicated laundry room and bonus room—perfect for a home office, gym or playroom—complete the interior. Go outside to your resort-style backyard oasis, where relaxation and entertaining converge. Enjoy the screen-enclosed, modern pool featuring a built-in waterfall, a separate bubbling spa and covered outdoor kitchen—ideal for alfresco dining or weekend gatherings. Upstairs, a private balcony overlooks the lanai, offering a peaceful perch to enjoy golden sunsets or quiet morning coffee. Sweetwater Club is one of Central Florida's desired communities, offering tranquility, exclusivity and proximity to everything—country clubs, Wekiwa Springs State Park & Wekiva Island, as well as top-rated schools, premier shopping and dining. With its rare lot size, impeccable updates and unmatched indoor-outdoor lifestyle, this home is a one-of-a-kind opportunity to own a slice of luxury in an unbeatable location. Don’t miss your chance to call this private paradise your own.
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Location
Property Details
Parking
- Description: Driveway, Garage Faces Side
- Details: Circular Driveway, Driveway, Garage Faces Side, Attached
- Garage Spaces: 3
- Spaces Total: 0
Bedroom Information
- # of Bedrooms: 4
Bathroom Information
- # of Baths (Full): 3
- # of Baths (Total): 4.0
Interior Features
- # of Rooms: 8
- # of Stories: 2
Exterior Features
- Exterior Walls Materials: Stucco
- Foundation: Slab
- Roof Type: IRR/Cathedral
- Roof Material: Shingle
- Pool: Yes
HOA
- Has HOA: Yes
- Association: Sentry Management - April Self
- HOA Fee: $1,100/quarterly
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 3120295050F000030
- Lot Size: 65896 sqft
Property Information
- Property Type: Single Family Residence
- Year Built: 1979
Tax Information
- Annual Tax: $6,322
Utilities
- Water & Sewer: Public
- Heating: Central
- Cooling: Central Air
Location
- County: Seminole
Listing Details
Investment Summary
- Monthly Cash Flow
- -$5,838
- Cap Rate
- 1.3%
- Cash-on-Cash Return
- -21.0%
- Debt Coverage Ratio
- 0.21
- Internal Rate of Return (5 years)
- -16.3%
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:
| $1,450,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$1,160,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $290,000 |
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:
| $43,500 |
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:
| $333,500 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 4,975 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $291 |
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:
| $0.72 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $1,160,000 |
|---|---|
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:
| $7,428 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $527 |
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:
| $252 |
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:
| $8,207 |
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:
| $3,600 | $43,200 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$216 | -$2,592 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $3,384 | $40,608 |
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. | 15% | -$527 | -$6,322 |
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% | -$252 | -$3,024 |
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% | -$288 | -$3,456 |
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% | -$180 | -$2,160 |
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% | -$180 | -$2,160 |
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. | 10% | -$367 | -$4,404 |
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 | 50% | -$1,794 | -$21,526 |
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:
| $1,590 | $19,080 |
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. | -$7,428 | -$89,136 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $5,838 | $70,056 |