If you say that the tractor will have light loader work and it will cut grass, then for $11k on the Kubota then you could spend $5k more and get a 30HP Kubota or Deere for new. A guy on this site said he bought a new 2wd 5103 Deere for $17k.
I would get the 2020JD if I was you due to the Kubota being a city tractor and was likely abused somewhat.
As far as your old tractor being ripped off....You may want to look into getting theft insurance on the next one you buy for $50/year as a rider on your home owners insurance. (its well worth it)
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