# Calculators and tools > Free calculators built on Florida and Orange County rules: seller net sheet, closing costs, Apopka property tax with homestead and Amendment 3, true monthly payment, rent vs buy, land, and a neighborhood matchmaker. Source: https://moorerealtyapopka.com/tools/ · Last updated 2026-11-12 · Robert Moore, Broker/Owner, Moore Realty Group, Inc. · 352-504-6371 - [Home](https://moorerealtyapopka.com/) - Calculators and tools The instrument panel · 14 tools # Run the numbers *before you move.* Every tool here uses Florida's actual rules: documentary stamps, promulgated title rates, Apopka's 2026 millage, the homestead exemption and an estimate of what Amendment 3 changes from 2027. Free, no sign-up, and nothing you enter leaves your device. Rates and rules checked November 12, 2026 [Payment ### Florida mortgage calculator The real monthly number for an Apopka home: loan, Apopka property tax with homestead, insurance, mortgage insurance, HOA and CDD.Open](https://moorerealtyapopka.com/tools/mortgage-calculator/)[Net ### Florida seller net sheet What you keep after the payoff, broker fees you choose, documentary stamps, title insurance and the property tax proration.Open](https://moorerealtyapopka.com/tools/seller-net-sheet/)[Closing ### Buyer closing cost calculator Cash to close, itemized: Florida's two mortgage taxes, title, recording, lender fees, prepaid insurance and escrow reserves.Open](https://moorerealtyapopka.com/tools/closing-costs/)[Tax ### Apopka property tax estimator Your tax bill at Apopka's 2026 millage, with homestead, portability and the Amendment 3 changes for 2027 and 2028.Open](https://moorerealtyapopka.com/tools/property-tax/)[Value ### What is my Apopka home worth? A rough price bracket from size, age, condition, pool and lot, then a real price opinion from Robert if you want one.Open](https://moorerealtyapopka.com/tools/home-value/)[Match ### Apopka neighborhood matchmaker Four questions, five communities: matched on price, home age, lot size, amenities and drive time, and nothing else.Open](https://moorerealtyapopka.com/tools/neighborhood-match/)[Budget ### What your budget buys in Apopka Slide to a price and see every Apopka community with homes in range, plus the all-in monthly payment.Open](https://moorerealtyapopka.com/tools/what-your-budget-buys/)[Afford ### How much house can I afford? Income, debts and cash in; a maximum Apopka home price out, with tax, insurance and PMI counted.Open](https://moorerealtyapopka.com/tools/affordability/)[Rent ### Rent or buy in Apopka? A year-by-year comparison of renting and owning in Apopka, with the break-even year and the assumption that decides it.Open](https://moorerealtyapopka.com/tools/rent-vs-buy/)[Assistance ### Florida down payment assistance finder Four answers show which state and Orange County programs are worth a call, and roughly how much each offers.Open](https://moorerealtyapopka.com/tools/down-payment-assistance/)[Calendar ### Contract-to-close calendar Every deadline between a signed Florida contract and the closing table, in order, with a file for your phone's calendar.Open](https://moorerealtyapopka.com/tools/contract-to-close-calendar/)[Invest ### Rental property calculator Cash flow, cap rate, cash-on-cash and debt coverage for an Apopka rental, taxed without homestead.Open](https://moorerealtyapopka.com/tools/investment-property/)[Land ### Land & acreage calculator Price per acre, the land loan payment, and how many homesites a parcel yields after roads, retention and open space.Open](https://moorerealtyapopka.com/tools/land-calculator/)[Commute ### Apopka commute times Pick a destination and rank every Apopka community by typical drive time and distance.Open](https://moorerealtyapopka.com/tools/commute-times/) How they are built ## Sourced, dated, *and open.* Each tool page lists the figures it uses and links the primary source: the Florida Department of Revenue, the Orange County Property Appraiser, HUD, the VA, Freddie Mac. The same figures are published as a data file at [/data/numbers.json](https://moorerealtyapopka.com/data/numbers.json) with the date they were checked. They are estimates. They are not a loan offer, an appraisal, or legal, tax or insurance advice, and they are no substitute for a written quote from your lender, title company and insurer. - Selling: [home value](https://moorerealtyapopka.com/tools/home-value/), then the [net sheet](https://moorerealtyapopka.com/tools/seller-net-sheet/). - Buying: [affordability](https://moorerealtyapopka.com/tools/affordability/), [monthly payment](https://moorerealtyapopka.com/tools/mortgage-calculator/), [cash to close](https://moorerealtyapopka.com/tools/closing-costs/), then the [deadline calendar](https://moorerealtyapopka.com/tools/contract-to-close-calendar/). - Choosing where: [matchmaker](https://moorerealtyapopka.com/tools/neighborhood-match/), [what your budget buys](https://moorerealtyapopka.com/tools/what-your-budget-buys/), [commute times](https://moorerealtyapopka.com/tools/commute-times/). - Owning: [property tax and homestead](https://moorerealtyapopka.com/tools/property-tax/). - Land and investing: [land calculator](https://moorerealtyapopka.com/tools/land-calculator/), [rental property](https://moorerealtyapopka.com/tools/investment-property/), [rent or buy](https://moorerealtyapopka.com/tools/rent-vs-buy/). ### Are these calculators free? Yes. There is no sign-up and no email wall. Your inputs are saved in your own browser so they are there when you come back, and they are never sent to a server. ### How current are the rates and tax figures? They were checked on November 12, 2026. The mortgage rate default is Freddie Mac's weekly average, the tax rates are Orange County's final 2026 millage, and the homestead figures include the changes voters approved in November 2026. ### Can I get exact numbers for a specific address? Yes. Robert can pull the actual tax bill, HOA and CDD figures and a title quote for any address. Call or text 352-504-6371.