I'm an agent based out of Spring Hill. Right now the market in Hernando County is still dropping. While it is an absolutely amazing time to buy homes (I've purchased 3 myself in the past 3 months and I put my money where my mouth is), 4-5 years is going to be difficult for anyone to judge (I'm putting my bets on my properties doubling in value over 6 years...but it IS a gamble, and I am 100% fine with keeping them for 10 if necessary. Are you looking more for an investment? or for a residence for you & your family? The difference in those two goals will have a HUGE impact on the advice that I give you.
If there's anything else I can do for you, please don't hesitate to contact me at http://www.HernandoLuxuryHomes.com - I'd be happy to help with whatever you need.