17214 Chula Vista Dr · Belton, MO 64012

$180,000

3 bd · 1.0 ba · 912 sqft · SingleFamily public records · 37 Days on market

Built 1953 0.39 ac lot Est $190k · 5% under

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Why this score? — see what drove the C- 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 +20.4/30.0
• ARV discount +9.8/15.0
• DSCR +6.5/10.0
• 1% rule +4.3/10.0
• Rent growth +3.8/5.0
• Livability +3.8/5.0
• Schools +3.0/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

GREAT STARTER HOME! New vinyl siding and windows. Roof only 1 year old. New concrete patio, approach and sidewalk. Freshly painted interior.

Key facts

• 0.39 acre lot
• Garage
• Built 1953

Property features AI

Finance

• Other: Above-grade living area reported as 912 (public records)
• HOA & community: No association fees

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public water; Public sewer; Cable available
• Home design: Single-family residence; Ranch floor plan; Facing/entry level: First floor
• Construction: Board & batten siding and vinyl siding; Composition roof; Approximately 51–75 years old
• Exterior features: Satellite dish allowed; Fencing (other); Paved road access; Located within city limits

Interior

• Kitchen: Refrigerator; Free-standing electric oven; Gas range
• Bedrooms: 3 bedrooms (all on the first floor)
• Flooring: Wood flooring; Carpet in one bedroom
• Bathrooms: 1 full bathroom (first floor)
• Heating & cooling: Natural gas heating; Electric cooling
• Interior features: Smart thermostat; Thermal windows; Storm door(s)
• Laundry & utility: Laundry located in the garage

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $234 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $167k (7.3% below list).
• Recommended offer: $167k (7.3% below list) — sets the bar for 1% rule.
• Cap rate 7.9% vs local median 4.7% in Belton — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 76/100 on livability (#52 in MO, #3,782 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, commute F.
• Belton 124 (suburban): math 28% / reading 39% proficiency, ranked #216 of 324 in MO (top 67%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Belton High (math 27% / reading 59%, grade F, #211 of 521 statewide, top 41%, 1,374 students, 42% FRL) — zoned schools at 42% FRL track the district average.
• Market conditions: Rents rising fast (+5.2%/yr); 205 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 588 units permitted in Cass County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Cass County population projected to shrink 3% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 8y ago; this cycle's ask has dropped $10k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $166,949 (7.3% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.93% ✗
• Cap rate: 7.85%
• Cash-on-cash: 5.57%
• DSCR: 1.25
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $189,696
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
17249 Chestnut N/A	0.13mi	4/1.0 (+1)	912 (0%)	7mo	$180,000	$197	83
17410 Chestnut Dr	0.22mi	3/1.0	864 (-5%)	0mo	$180,000	$208	81
17240 S Montgall St	0.22mi	3/1.5	912 (0%)	12mo	$219,900	$241	78
17205 Chestnut Dr	0.22mi	3/1.0	912 (0%)	16mo	$220,000	$241	77
17243 Montgall Dr	0.18mi	3/1.5	900 (-1%)	14mo	$215,000	$239	76
17129 Cerrito Dr	0.21mi	3/1.0	828 (-9%)	2mo	$187,900	$227	72
17255 Chestnut Dr	0.15mi	4/1.5 (+1)	912 (0%)	19mo	$181,000	$198	70
17114 Chula Vista Dr	0.19mi	3/2.0	1,000 (+10%)	5mo	$200,000	$200	66
17105 Monte Verde Dr	0.22mi	3/1.0	1,000 (+10%)	14mo	$165,000	$165	62
17201 Cerrito Dr	0.20mi	3/1.0	1,048 (+15%)	10mo	$239,000	$228	58
17116 Chula Vista Dr	0.18mi	4/2.0 (+1)	1,000 (+10%)	13mo	$199,000	$199	56
17124 Monte Verde Dr	0.14mi	3/2.0	1,008 (+10%)	20mo	$190,000	$188	56

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.17% rent growth · sell at horizon

5-year hold

• IRR: -5.6%
• Equity multiple: 0.79×
• Total profit: $-10,619
• Equity at exit: $26,839

10-year hold

• IRR: 6.3%
• Equity multiple: 1.51×
• Total profit: $25,616
• Equity at exit: $15,563

Cash invested: $50,400 (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 64012

• Rents YoY: 5.2%
• Active inventory: 205
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,669 medium
• Mortgage (P&I): −$944
• Tax from tax record: −$66 /mo · $793/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$351
• Net cashflow: $234

Break-even live

Break-even rent $1,373

Max offer price $180,000

Occupancy floor 81%

Sensitivity live

Price	-10% $336	-5% $285	+0% $234	+5% $183	+10% $132
Rent	-10% $102	-5% $168	+0% $234	+5% $300	+10% $366
Rate	-1.0pp $325	-0.5pp $280	base $234	+0.5pp $187	+1.0pp $140

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
210 Mill St Belton, MO	2.0	1.0	700	$1,100	$1.57	24d	1	1.24mi

Listing history 21 events

1. 2026-06-21
   days on market $180,000 Active 37 DOM
2. 2026-06-18
   days on market $180,000 Active 34 DOM
3. 2026-06-17
   days on market $180,000 Active 33 DOM
4. 2026-06-16
   days on market $180,000 Active 32 DOM
5. 2026-06-15
   days on market $180,000 Active 31 DOM
6. 2026-06-13
   days on market $180,000 Active 29 DOM
7. 2026-06-13
   days on market $180,000 Active 28 DOM
8. 2026-06-09
   days on market $180,000 Active 25 DOM
9. 2026-06-08
   days on market $180,000 Active 24 DOM
10. 2026-06-07
    days on market $180,000 Active 23 DOM
11. 2026-06-05
    days on market $180,000 Active 20 DOM
12. 2026-06-03
    days on market $180,000 Active 19 DOM
13. 2026-06-02
    pricedays on market $180,000 Active 18 DOM
14. 2026-06-01
    days on market $190,000 Active 17 DOM
15. 2026-05-31
    days on market $190,000 Active 16 DOM
16. 2026-05-15
    listed $190,000 Active
17. 2026-05-12
    historical $190,000
18. 2018-11-27
    soldstatus
19. 2018-11-19
    soldstatus Sold 140-char remark

    Show marketing remark (140 chars)

    GREAT STARTER HOME! New vinyl siding and windows. Roof only 1 year old. New concrete patio, approach and sidewalk. Freshly painted interior.

20. 2018-08-25
    historical Contingent - Accepting Backup Offers 140-char remark

    Show marketing remark (140 chars)

    GREAT STARTER HOME! New vinyl siding and windows. Roof only 1 year old. New concrete patio, approach and sidewalk. Freshly painted interior.

21. 2018-07-19
    listed $105,000 Active 140-char remark

    Show marketing remark (140 chars)

    GREAT STARTER HOME! New vinyl siding and windows. Roof only 1 year old. New concrete patio, approach and sidewalk. Freshly painted interior.

ⓘ 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: $793 · $66/mo
• Projected year-2 tax: $1,746 · $146/mo
• Expected delta: +$953/yr (+$79/mo · 120.3%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥107°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,034
• − Mortgage interest: −$10,083
• − Property taxes: −$793
• − Insurance: −$900
• − Repairs & maintenance: −$1,603
• − Management: −$1,603
• − Depreciation: −$5,236
• Taxable loss: −$183
• Est. tax savings @ 24.0%: +$44
• After-tax cash flow: $2,851/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: Belton 124
• NCES district ID: 2904620
• Math proficiency: 28% ▼ -9.00%
• Reading proficiency: 39% ▼ -9.00%
• Median HH income: $56,946
• Composite: 29.73/100
• National rank: #6446
• State rank: #216 of 324 in MO

Livability — Belton

• Score: 76/100
• State rank: #52
• US rank: #3782

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Belton, MO
• County: Cass County · 65,358 people
• City population: 29,304
• Metro: Kansas City, MO-KS
• Population (ZIP): 29,304
• Household income: $71,814
• Rent vs Own: 34.9% rent · 65.1% own
• Severe rent burden: 1081.0

Population outlook (Cass County) Hauer SSP2

• Today (2025): 105,292 people
• By 2030: 106,109 · +0.8%
• By 2040: 105,786 · +0.5%
• By 2050: 102,062 · -3.1%
• By 2075: 88,569 · -15.9%
• By 2100: 68,293 · -35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Two or more races 7% Hispanic / Latino 7% Black 6% Asian 1%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Italian 2% Lithuanian 2% Portuguese 2%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% Other Asian/Pacific 1%

Political lean MEDSL · Cass

• 2024 margin: Solid R (+32.1) · D 33.3% · R 65.4% · Other 1.3%
• 2008→2024 swing: -12.5pp toward R · 2008: -19.6pp · 2024: -32.1pp
• All cycles: 2024: R+32.1 2020: R+31.6 2016: R+35.9 2012: R+28.4 2008: R+19.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -244.76%
• Current HPI: 214.6157
• Rent YoY: ▲ 5.17%
• Metro: Kansas City, MO-KS
• 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

+81.0% since first listed

6 events — show timeline

• 2026-05-15 Listed $190,000 Heartland MLS as Distributed by MLS Grid
• 2026-05-12 Coming Soon $190,000 Heartland MLS as Distributed by MLS Grid
• 2018-11-27 Sold (Public Records) — Public Records
• 2018-11-19 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2018-08-25 Contingent — Heartland MLS as Distributed by MLS Grid
• 2018-07-19 Listed $105,000 Heartland MLS as Distributed by MLS Grid

Property tax history

+4.2%/yr

Latest (2025): $793 · +13.1% YoY. Source: county tax records.