Drake20, this will depend on the other homes in the neighborhood. It sounds like you have done quite a bit and, providing the comps you referred to are similar to yours, you may be able to recoup your money in a several years. Check with a local realtor to get a more accurate picture of how your home compares to others around you. We need to see inside and out of your home before being able to accurately compare it to the recently Sold, Pending, Active, etc. listings.