332 S Pennsylvania Ave · Webb City, MO 64870

$95,000

2 bd · 1.0 ba · 1,034 sqft · Other · 78 Days on market

Built 1900 7,100 sqft lot $92/sqft · 12% below area Est $108k · 12% under ↓ 4% since listing

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +28.4/30.0
• ARV discount +12.9/15.0
• DSCR +10.0/10.0
• 1% rule +6.7/10.0
• Schools +4.8/10.0
• Livability +3.9/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great investment property. Long term tenant in place. Selling in current condition. Good instant income property. Nice corner lot, alley access, off street parking.

Key facts

• Alley access
• Off street parking
• Corner lot

Tags

• CORNER LOT
• ALLEY ACCESS
• OFF STREET PARKING

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $95k.

Deal economics

• At list price, monthly cash flow is $308 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $89k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 77/100 on livability (#35 in MO, #3,062 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, amenities D-, commute F.
• Webb City R-VII (suburban): math 53% / reading 60% proficiency, ranked #21 of 324 in MO (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+2.5%/yr); 122 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; 602 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 2.5% rent growth), your $27k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 78 days — a 6% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $89,300 (6.0% below list)

Questions for the listing agent

1. It's been on market 78 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.17% ✓
• Cap rate: 10.19%
• Cash-on-cash: 13.91%
• DSCR: 1.62
• GRM: 7.1

CMA / ARV

• ARV (median comp): $107,937
• List price: $95,000
• Delta: -11.99%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 2.49% rent growth · sell at horizon

5-year hold

• IRR: 3.6%
• Equity multiple: 1.14×
• Total profit: $3,636
• Equity at exit: $14,165

10-year hold

• IRR: 12.6%
• Equity multiple: 1.98×
• Total profit: $25,996
• Equity at exit: $8,214

Cash invested: $26,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 81 Strongly Landlord-Friendly
• State Missouri: 81 Strongly Landlord-Friendly · R+10
• County: — inherits STATE
• City: — inherits STATE

Generally landlord-friendly; St Louis has some habitability requirements.

Methodology + full state rankings →

ZIP-level market 64870

• Home prices YoY: -8.3%
• Rents YoY: 2.5%
• Active inventory: 122
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,112 high
• Mortgage (P&I): −$498
• Tax from tax record: −$33 /mo · $392/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$234
• Net cashflow: $308

Break-even live

Break-even rent $722

Max offer price $95,000

Occupancy floor 67%

Sensitivity live

Price	-10% $362	-5% $335	+0% $308	+5% $281	+10% $255
Rent	-10% $220	-5% $264	+0% $308	+5% $352	+10% $396
Rate	-1.0pp $356	-0.5pp $332	base $308	+0.5pp $284	+1.0pp $259

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
316 S Pennsylvania Ave Unit 1 Webb City, MO	1.0	1.0	700	$700	$1.00	44d	1	0.03mi
208 N Webb St Webb City, MO	1.0	1.0	700	$1,100	$1.57	44d	1	0.42mi
618 N Hall St Unit A Webb City, MO	3.0	2.0	1250	$1,400	$1.12	22d	1	0.71mi
1411 S Jefferson Ave Webb City, MO	3.0	2.0	1424	$1,650	$1.16	44d	1	0.73mi
1407 S Jefferson Ave Webb City, MO	3.0	2.0	1424	$1,650	$1.16	44d	1	0.73mi
1301 S Jefferson St Webb City, MO	3.0	2.0	1424	$1,650	$1.16	44d	1	0.74mi
1524 Brewster Ln Webb City, MO	3.0	2.0	1310	$1,450	$1.11	44d	1	0.89mi
1606 S Oronogo St Webb City, MO	3.0	1.0	1200	$1,200	$1.00	44d	1	0.97mi
737 N Oak St Webb City, MO	3.0	2.0	1180	$1,400	$1.19	44d	1	0.98mi
1613 S Oronogo St Webb City, MO	3.0	2.0	1310	$1,400	$1.07	44d	1	1.00mi
1302 N Main Street Rd Webb City, MO	1.0–2.0	1.0–2.0	750	$895	$1.19	22d	2	1.26mi
313 N Kentucky St Carterville, MO	2.0	1.0	750	$725	$0.97	22d	1	1.42mi

Listing history 24 events

1. 2026-06-19
   days on market $95,000 Active 78 DOM
2. 2026-06-18
   days on market $95,000 Active 77 DOM
3. 2026-06-17
   days on market $95,000 Active 76 DOM
4. 2026-06-16
   days on market $95,000 Active 75 DOM
5. 2026-06-15
   days on market $95,000 Active 74 DOM
6. 2026-06-14
   days on market $95,000 Active 72 DOM
7. 2026-06-13
   days on market $95,000 Active 71 DOM
8. 2026-06-10
   days on market $95,000 Active 69 DOM
9. 2026-06-09
   days on market $95,000 Active 68 DOM
10. 2026-06-08
    days on market $95,000 Active 67 DOM
11. 2026-06-07
    days on market $95,000 Active 66 DOM
12. 2026-06-05
    days on market $95,000 Active 63 DOM
13. 2026-06-02
    days on market $95,000 Active 61 DOM
14. 2026-06-01
    days on market $95,000 Active 60 DOM
15. 2026-05-31
    days on market $95,000 Active 59 DOM
16. 2026-05-30
    days on market $95,000 Active 58 DOM
17. 2026-04-02
    listed $95,000 Active 164-char remark

    Show marketing remark (164 chars)

    Great investment property. Long term tenant in place. Selling in current condition. Good instant income property. Nice corner lot, alley access, off street parking.

18. 2026-04-02
    listed $95,000 Active 164-char remark

    Show marketing remark (164 chars)

    Great investment property. Long term tenant in place. Selling in current condition. Good instant income property. Nice corner lot, alley access, off street parking.

19. 2025-08-28
    status Active
20. 2025-07-09
    status Pending
21. 2025-07-01
    listed $98,900 Active
22. 2008-02-25
    soldstatus
23. 2007-05-29
    soldstatus
24. 2004-10-07
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MO · Resets to sale price

• Current annual tax: $392 · $33/mo
• Projected year-2 tax: $922 · $77/mo
• Expected delta: +$529/yr (+$44/mo · 135.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,348
• − Mortgage interest: −$5,321
• − Property taxes: −$392
• − Insurance: −$475
• − Repairs & maintenance: −$1,068
• − Management: −$1,068
• − Depreciation: −$2,764
• Taxable income: $2,260
• Est. tax owed @ 24.0%: −$542
• After-tax cash flow: $3,157/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Webb City R-VII
• NCES district ID: 2931500
• Math proficiency: 53% ▼ -1.00%
• Reading proficiency: 60% ▼ -1.00%
• Median HH income: $45,022
• Composite: 47.68/100
• National rank: #2244
• State rank: #21 of 324 in MO

Livability — Webb City

• Score: 77/100
• State rank: #35
• US rank: #3062

Category grades

Amenities D- Commute F Cost of living A+ Crime C+ Employment C- Housing A+ Health & safety A+ User ratings C-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Webb City, MO
• County: Jasper County · 79,035 people
• City population: 16,186
• Metro: Joplin, MO
• Population (ZIP): 16,186
• Household income: $68,300
• Rent vs Own: 35.4% rent · 64.6% own
• Severe rent burden: 427.0

Population outlook (Jasper County) Hauer SSP2

• Today (2025): 120,033 people
• By 2030: 120,091 · +0.0%
• By 2040: 119,297 · -0.6%
• By 2050: 117,705 · -1.9%
• By 2075: 110,402 · -8.0%
• By 2100: 99,719 · -16.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Two or more races 8% Hispanic / Latino 4% Asian 2% Black 2%
• Common ancestry: Lithuanian 2% Slovak 2% Italian 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Jasper

• 2024 margin: Solid R (+46.8) · D 25.9% · R 72.7% · Other 1.4%
• 2008→2024 swing: -13.6pp toward R · 2008: -33.2pp · 2024: -46.8pp
• All cycles: 2024: R+46.8 2020: R+46.2 2016: R+50.8 2012: R+41.0 2008: R+33.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -24.29%
• Current HPI: 267.5318
• Rent YoY: ▲ 2.49%
• Metro: Joplin, MO
• State GDP YoY: ▲ 1.84%
• F500 in state: 20

Industry mix (Fortune 500 HQ in MO)

Industry	F500 HQs	Revenue
▸Healthcare	1	$163B
▸Insurance	1	$21B
▸Industrial Technology	1	$17B
▸Retail	1	$16B
▸Industrial Distribution	1	$10B
▸Utilities	1	$9B

Price history

-3.9% since first listed

8 events — show timeline

• 2026-04-02 Listed $95,000 OGAR
• 2026-04-02 Listed $95,000 SOMO
• 2025-08-28 Relisted — SOMO
• 2025-07-09 Pending — SOMO
• 2025-07-01 Listed $98,900 SOMO
• 2008-02-25 Sold (Public Records) — Public Records
• 2007-05-29 Sold (Public Records) — Public Records
• 2004-10-07 Sold (Public Records) — Public Records

Property tax history

+2.1%/yr

Latest (2025): $392 · +11.4% YoY. Source: county tax records.