25K should buy a great used Kubota
L4701. or maybe 30 K with interest free financing. Keep looking. 40 hp range will be much heavier frame - wider implements, more features.
I don't know how old you are, but maybe you can relate to this. When I was young I decided to buy a computer. Stores were far and few between, so I went to a place called Crazy Dave's computers. The salesman IMMEDIATELY ask "what are you going to use it for?" That was 1982, DOS operating system. I didn't know what to say and then said I guess replacing my typwriter and making graphs. I had no idea. The answer is really EVERYTHING.
Now, the tractor. You have had experience with them and that is a great start. You know mowing will be a main use. That is good. Now you may want to decide just how long do you want to spend mowing. How is the tractor going to do in damp weather (that traction thing.) I always run out of traction when working before the tractor boggs down. Always enough hp. So I can add ballast if needed. Like a box blade when using loader.
When someone now asks me about that I use it for, I just say "About everything." Mowing, moving dirt, building onto the road, maintaining the road with 1" base rock, Loading the trash (1 time a month) to haul to the transfer station, removing stumps, scraping the road after a heavy rain, and the list goes one. Get what you will be comfortable with. There are also well cared for used tractors 5-10 years old that can last a lifetime. But hard to find. There was a thread this morning with pictures of a Kubota used - very nice. He had just purchased it.
I love my tractor. If I had to put a Gps on somewhere to keep track of it, my wife says it would be the tractor. OH wait, it has a GSP. Ha Best wishes.