2101 S Sergeant Ave · Joplin, MO 64804

$189,900

3 bd · 2.0 ba · 1,120 sqft · Other · 7 Days on market

Built 2024 6,375 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 +11.5/30.0
• ARV discount +7.5/15.0
• Rent growth +5.0/5.0
• DSCR +3.4/10.0
• Livability +3.2/5.0
• Schools +2.9/10.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Offering nearly 1,200 sq ft of living space, this spectacular home holds 3 bedrooms, 2 bathrooms, and a spacious living area that meets the kitchen and dining areas with grace in an open floor plan perfect for any entertainer! Granite counters and custom cabinets throughout. Walk-in closets, stainless appliances, and covered front porch round out this property perfectly.

Key facts

• 6,375 sq ft lot
• 2 garage spots
• Built 2024

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $190k.

Deal economics

• At list price, monthly cash flow is $-63 ($-761/yr) — negative.
• To cash-flow at today's rent, offer at most $179k (5.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $133k (30.1% below list).
• Recommended offer: $133k (30.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#318 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Joplin Schools (urban): math 30% / reading 39% proficiency, ranked #231 of 324 in MO (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Cecil Floyd Elem. (math 28% / reading 33%, grade F, #806 of 1,115 statewide, top 72%, 497 students, 66% FRL); North Middle (math 26% / reading 35%, grade F, #283 of 391 statewide, top 74%, 517 students, 65% FRL).
• Market conditions: Rents rising fast (+15.7%/yr); 353 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 2y 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 $132,790 (30.1% 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 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?
4. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. 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?
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: 0.70% ✗
• Cap rate: 5.89%
• Cash-on-cash: -1.43%
• DSCR: 0.94
• GRM: 11.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -14.1%
• Equity multiple: 0.48×
• Total profit: $-27,895
• Equity at exit: $28,315

10-year hold

• IRR: 0.5%
• Equity multiple: 1.04×
• Total profit: $2,034
• Equity at exit: $16,419

Cash invested: $53,172 (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 64804

• Rents YoY: 15.7%
• Active inventory: 353
• Price-to-rent: 11.9×

Monthly cashflow live

• Estimated rent: $1,328 high
• Mortgage (P&I): −$996
• Tax from tax record: −$37 /mo · $449/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$279
• Net cashflow: $-63

Break-even live

Break-even rent $1,408

Max offer price $178,702

Occupancy floor 100%

Sensitivity live

Price	-10% $44	-5% $-10	+0% $-63	+5% $-117	+10% $-171
Rent	-10% $-168	-5% $-116	+0% $-63	+5% $-11	+10% $42
Rate	-1.0pp $32	-0.5pp $-15	base $-63	+0.5pp $-113	+1.0pp $-163

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2010 S Moffet Ave Joplin, MO	2.0	1.0	1000	$950	$0.95	21d	1	0.10mi
2012 S Connor Ave Joplin, MO	3.0	2.0	1379	$1,595	$1.16	21d	1	0.16mi
2201 S Pearl Ave Joplin, MO	3.0	2.0	1487	$1,475	$0.99	21d	1	0.21mi
1907 S Picher Ave Joplin, MO	2.0	1.0	1032	$900	$0.87	21d	1	0.34mi
2602 S Moffet Ave Joplin, MO	3.0	2.0	1214	$1,300	$1.07	21d	1	0.40mi
1806 Pennsylvania Ave Joplin, MO	3.0	1.0	1295	$1,050	$0.81	21d	1	0.55mi
623 W Junge Blvd Joplin, MO	3.0	2.0	1217	$1,500	$1.23	21d	1	0.64mi
2830 S Pearl Ave Joplin, MO	2.0	2.0	1000	$1,200	$1.20	21d	1	0.65mi
3117 S Wall Ave Joplin, MO	2.0	1.0	944	$1,095	$1.16	21d	1	0.89mi
2521 S Tyler Ave Joplin, MO	3.0	2.0	1500	$1,700	$1.13	21d	1	0.95mi
2515 S Willard Ave Joplin, MO	3.0	2.0	1500	$1,600	$1.07	21d	1	1.09mi
2019 W 26th St Joplin, MO	2.0	2.0	1000	$1,100	$1.10	21d	1	1.10mi
1715 Wisconsin Ave #2 Joplin, MO	2.0	2.0	1000	$900	$0.90	21d	1	1.10mi
524 S Moffet Ave Joplin, MO	3.0	1.0	900	$855	$0.95	21d	1	1.25mi
2002 W 11th St Joplin, MO	3.0	1.0	1200	$1,200	$1.00	21d	1	1.31mi

Listing history 11 events

1. 2026-04-27
   status Pending
2. 2026-04-20
   listed $189,900 Active
3. 2024-11-21
   soldstatus Closed 373-char remark

   Show marketing remark (373 chars)

   Offering nearly 1,200 sq ft of living space, this spectacular home holds 3 bedrooms, 2 bathrooms, and a spacious living area that meets the kitchen and dining areas with grace in an open floor plan perfect for any entertainer! Granite counters and custom cabinets throughout. Walk-in closets, stainless appliances, and covered front porch round out this property perfectly.

4. 2024-10-14
   status Pending 373-char remark

   Show marketing remark (373 chars)

   Offering nearly 1,200 sq ft of living space, this spectacular home holds 3 bedrooms, 2 bathrooms, and a spacious living area that meets the kitchen and dining areas with grace in an open floor plan perfect for any entertainer! Granite counters and custom cabinets throughout. Walk-in closets, stainless appliances, and covered front porch round out this property perfectly.

5. 2024-09-25
   status Active 373-char remark

   Show marketing remark (373 chars)

   Offering nearly 1,200 sq ft of living space, this spectacular home holds 3 bedrooms, 2 bathrooms, and a spacious living area that meets the kitchen and dining areas with grace in an open floor plan perfect for any entertainer! Granite counters and custom cabinets throughout. Walk-in closets, stainless appliances, and covered front porch round out this property perfectly.

6. 2024-07-12
   status Pending 373-char remark

   Show marketing remark (373 chars)

   Offering nearly 1,200 sq ft of living space, this spectacular home holds 3 bedrooms, 2 bathrooms, and a spacious living area that meets the kitchen and dining areas with grace in an open floor plan perfect for any entertainer! Granite counters and custom cabinets throughout. Walk-in closets, stainless appliances, and covered front porch round out this property perfectly.

7. 2024-06-25
   listed $186,950 Active 373-char remark

   Show marketing remark (373 chars)

   Offering nearly 1,200 sq ft of living space, this spectacular home holds 3 bedrooms, 2 bathrooms, and a spacious living area that meets the kitchen and dining areas with grace in an open floor plan perfect for any entertainer! Granite counters and custom cabinets throughout. Walk-in closets, stainless appliances, and covered front porch round out this property perfectly.

8. 2011-10-13
   soldstatus
9. 2007-08-13
   soldstatus
10. 2006-05-02
    soldstatus
11. 1957-07-14
    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: $449 · $37/mo
• Projected year-2 tax: $1,842 · $154/mo
• Expected delta: +$1,393/yr (+$116/mo · 309.9%)

ⓘ 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 2/10 Low
• 🌡 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: $15,935
• − Mortgage interest: −$10,637
• − Property taxes: −$449
• − Insurance: −$950
• − Repairs & maintenance: −$1,275
• − Management: −$1,275
• − Depreciation: −$5,524
• Taxable loss: −$4,175
• Est. tax savings @ 24.0%: +$1,002
• After-tax cash flow: $241/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: Joplin Schools
• NCES district ID: 2916350
• Math proficiency: 30% ▼ -3.00%
• Reading proficiency: 39% ▼ -3.00%
• Median HH income: $38,648
• Composite: 28.82/100
• National rank: #6657
• State rank: #231 of 324 in MO

Livability — Joplin

• Score: 64/100
• State rank: #318
• US rank: #14578

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Joplin, MO
• County: Newton County · 37,016 people
• City population: 73,303
• Metro: Joplin, MO
• Population (ZIP): 37,016
• Household income: $62,574
• Rent vs Own: 32.6% rent · 67.4% own
• Severe rent burden: 1082.0

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 (84%)
• Race & ethnicity: White 84% Two or more races 9% Hispanic / Latino 6% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 2%
• Foreign-born: 3% · Canada, Vietnam
• Languages at home: 96% English-only · Spanish 1% Other Indo-European 1% Vietnamese 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: ▼ -204.80%
• Current HPI: 279.4471
• Rent YoY: ▲ 15.66%
• 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

+1.6% since first listed

11 events — show timeline

• 2026-04-27 Pending — OGAR
• 2026-04-20 Listed $189,900 OGAR
• 2024-11-21 Sold (MLS) — OGAR
• 2024-10-14 Pending — OGAR
• 2024-09-25 Relisted — OGAR
• 2024-07-12 Pending — OGAR
• 2024-06-25 Listed $186,950 OGAR
• 2011-10-13 Sold (Public Records) — Public Records
• 2007-08-13 Sold (Public Records) — Public Records
• 2006-05-02 Sold (Public Records) — Public Records
• 1957-07-14 Sold (Public Records) — Public Records

Property tax history

+19.2%/yr

Latest (2025): $449 · +449.7% YoY. Source: county tax records.