920 Caitlan Dr · Oronogo, MO 64855

$214,900

3 bd · 2.0 ba · 1,301 sqft · Other · 4 Days on market

Built 2003 10,500 sqft lot

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Why this score? — see what drove the D+ 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 +12.2/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.8/10.0
• DSCR +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0

Listing remarks MLS

Make this wonderful house you HOME! Updated 3 bedroom, 2 bathroom home in Webb City School District on DOUBLE lot. Come see this fantastic home at our Open House on Sunday March 28 2-4 PM. Features include a wood burning fireplace, granite countertops, updated light fixtures, beautiful new carpet and tile flooring, storage shed and fresh paint. Owner's existing home warranty will transfer to new buyer and is renewed through April 2023!

Key facts

• Nice-sized lot
• Patio
• 0.24 acre lot

Tags

• WOOD-BURNING FIREPLACE
• NICE-SIZED LOT
• PATIO

Property features AI

Exterior

• Parking: Attached 2-car garage; Garage (2 spaces)
• Utilities: Public sewer
• Home design: Single-family residence; Residential property; Single-family freestanding
• Construction: Vinyl siding; Shingle roof; Slab foundation; Home warranty included
• Exterior features: Patio; No fencing

Interior

• Kitchen: Electric oven; Dishwasher; Garbage disposal
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Ceiling fan cooling
• Interior features: Ceiling fans; Eat-in kitchen; Wood-burning fireplace; 6 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $215k.

Deal economics

• At list price, monthly cash flow is $-42 ($-506/yr) — negative.
• To cash-flow at today's rent, offer at most $207k (3.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $159k (25.9% below list).
• Recommended offer: $159k (25.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#156 in MO) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• 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.
• Zoned schools: Webb City Middle (math 53% / reading 55%, grade B-, #46 of 391 statewide, top 12%, 696 students, 47% FRL).
• Market conditions: 20 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 602 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $23k of equity ($1k loan paydown + $21k appreciation (10.0% local appreciation)).
• At projected returns (10.0% appreciation + 3.0% rent growth), your $60k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 8y ago 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

• 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 $159,341 (25.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 0.74% ✗
• Cap rate: 6.06%
• Cash-on-cash: -0.84%
• DSCR: 0.96
• GRM: 11.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.7%
• Equity multiple: 2.90×
• Total profit: $114,264
• Equity at exit: $193,599

10-year hold

• IRR: 21.0%
• Equity multiple: 6.62×
• Total profit: $338,424
• Equity at exit: $417,503

Cash invested: $60,172 (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 64855

• Home prices YoY: 4.7%
• Active inventory: 20
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $1,593 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$84 /mo · $1,014/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$335
• Net cashflow: $-42

Break-even live

Break-even rent $1,647

Max offer price $207,446

Occupancy floor 98%

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: $53,725
• Closing costs: $6,447
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
606 Sarah Ct Oronogo, MO	3.0	2.0	1448	$1,700	$1.17	20d	1	0.63mi
745 Short Leaf Ln Oronogo, MO	3.0	2.0	1422	$1,550	$1.09	20d	1	0.65mi
1100 Pawpaw Oronogo, MO	3.0	2.0	1211	$1,550	$1.28	20d	1	0.80mi
609 Short Leaf Ln Oronogo, MO	3.0	2.0	1445	$1,400	$0.97	20d	1	0.80mi
1101 Downy Dr Oronogo, MO	4.0	2.0	1423	$1,749	$1.23	20d	1	0.80mi

Listing history 11 events

1. 2026-05-01
   status Pending
2. 2026-04-27
   listed $214,900 Active
3. 2021-05-07
   soldstatus 439-char remark

   Show marketing remark (439 chars)

   Make this wonderful house you HOME! Updated 3 bedroom, 2 bathroom home in Webb City School District on DOUBLE lot. Come see this fantastic home at our Open House on Sunday March 28 2-4 PM. Features include a wood burning fireplace, granite countertops, updated light fixtures, beautiful new carpet and tile flooring, storage shed and fresh paint. Owner's existing home warranty will transfer to new buyer and is renewed through April 2023!

4. 2021-05-07
   soldstatus 439-char remark

   Show marketing remark (439 chars)

   Make this wonderful house you HOME! Updated 3 bedroom, 2 bathroom home in Webb City School District on DOUBLE lot. Come see this fantastic home at our Open House on Sunday March 28 2-4 PM. Features include a wood burning fireplace, granite countertops, updated light fixtures, beautiful new carpet and tile flooring, storage shed and fresh paint. Owner's existing home warranty will transfer to new buyer and is renewed through April 2023!

5. 2021-03-26
   listed $155,000 439-char remark

   Show marketing remark (439 chars)

   Make this wonderful house you HOME! Updated 3 bedroom, 2 bathroom home in Webb City School District on DOUBLE lot. Come see this fantastic home at our Open House on Sunday March 28 2-4 PM. Features include a wood burning fireplace, granite countertops, updated light fixtures, beautiful new carpet and tile flooring, storage shed and fresh paint. Owner's existing home warranty will transfer to new buyer and is renewed through April 2023!

6. 2021-03-26
   listed $155,000 439-char remark

   Show marketing remark (439 chars)

   Make this wonderful house you HOME! Updated 3 bedroom, 2 bathroom home in Webb City School District on DOUBLE lot. Come see this fantastic home at our Open House on Sunday March 28 2-4 PM. Features include a wood burning fireplace, granite countertops, updated light fixtures, beautiful new carpet and tile flooring, storage shed and fresh paint. Owner's existing home warranty will transfer to new buyer and is renewed through April 2023!

7. 2018-09-14
   soldstatus
8. 2018-09-14
   soldstatus
9. 2018-06-06
   listed $129,900
10. 2018-06-06
    listed $129,900
11. 2004-02-04
    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: $1,014 · $84/mo
• Projected year-2 tax: $2,085 · $174/mo
• Expected delta: +$1,071/yr (+$89/mo · 105.6%)

ⓘ 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 ≥107°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: $19,121
• − Mortgage interest: −$12,038
• − Property taxes: −$1,014
• − Insurance: −$1,074
• − Repairs & maintenance: −$1,530
• − Management: −$1,530
• − Depreciation: −$6,252
• Taxable loss: −$4,316
• Est. tax savings @ 24.0%: +$1,036
• After-tax cash flow: $530/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 — Oronogo

• Score: 69/100
• State rank: #156
• US rank: #8706

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Oronogo, MO
• City population: 16,360
• Population (ZIP): 2,629

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 (92%)
• Race & ethnicity: White 92% Two or more races 7% Hispanic / Latino 5%
• Common ancestry: Scottish 2% Italian 1% Slovak 1%
• Foreign-born: 0% · China

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: ▲ 11.47%
• Current HPI: 254.495
• Rent YoY: —
• Metro: —
• 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

+65.4% since first listed

11 events — show timeline

• 2026-05-01 Pending — OGAR
• 2026-04-27 Listed $214,900 OGAR
• 2021-05-07 Sold (MLS) — OGAR
• 2021-05-07 Sold (MLS) — SOMO
• 2021-03-26 Listed $155,000 SOMO
• 2021-03-26 Listed $155,000 OGAR
• 2018-09-14 Sold (MLS) — SOMO
• 2018-09-14 Sold (MLS) — OGAR
• 2018-06-06 Listed $129,900 SOMO
• 2018-06-06 Listed $129,900 OGAR
• 2004-02-04 Sold (Public Records) — Public Records

Property tax history

+1.6%/yr

Latest (2025): $1,014 · +7.8% YoY. Source: county tax records.