503 Stoutmore Dr · Polo, MO 64671

$125,000

3 bd · 1.0 ba · 1,325 sqft · Other public records · 98 Days on market

Built 1940 10,803 sqft lot $94/sqft · 25% below area Est $166k · 25% under

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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 +19.4/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +6.1/10.0
• 1% rule +4.5/10.0
• Schools +3.9/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

Key facts

• 0.25 acre lot
• Garage
• Built 1940

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $125k.

Deal economics

• At list price, monthly cash flow is $140 ($2k/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 $119k (4.9% below list).
• Recommended offer: $114k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 56/100 on livability (#689 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Polo R-VII (rural): math 40% / reading 50% proficiency, ranked #90 of 324 in MO (top 28%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Polo Elem. (math 24% / reading 44%, grade F, #676 of 1,115 statewide, top 66%, 142 students, 51% FRL); Polo Middle (math 57% / reading 57%, grade B, #33 of 391 statewide, top 9%, 107 students, 38% FRL); Polo High (math 24% / reading 44%, grade F, #321 of 521 statewide, top 67%, 156 students, 41% FRL) — zoned schools at 44% FRL track the district average.
• Market conditions: 10 active listings in the ZIP; 53 units permitted in Caldwell County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $13k of equity ($864 loan paydown + $12k appreciation (10.0% local appreciation)).
• Caldwell County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 98 days — a 9% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 23y ago; this cycle's ask has dropped $25k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $113,750 (9.0% below list)

Questions for the listing agent

1. It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — 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 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.95% ✗
• Cap rate: 7.63%
• Cash-on-cash: 4.79%
• DSCR: 1.21
• GRM: 8.8

CMA / ARV

• ARV (median comp): $166,380
• List price: $125,000
• Delta: -24.87%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 27.7%
• Equity multiple: 3.20×
• Total profit: $76,952
• Equity at exit: $112,610

10-year hold

• IRR: 24.2%
• Equity multiple: 7.27×
• Total profit: $219,574
• Equity at exit: $242,848

Cash invested: $35,000 (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 64671

• Active inventory: 10
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $1,189 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$92 /mo · $1,103/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$250
• Net cashflow: $140

Break-even live

Break-even rent $1,012

Max offer price $125,000

Occupancy floor 83%

Sensitivity live

Price	-10% $210	-5% $175	+0% $140	+5% $104	+10% $69
Rent	-10% $46	-5% $93	+0% $140	+5% $187	+10% $234
Rate	-1.0pp $203	-0.5pp $171	base $140	+0.5pp $107	+1.0pp $74

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 30 events

1. 2026-06-21
   days on market $125,000 Active 98 DOM
2. 2026-06-21
   days on market $125,000 Active 97 DOM
3. 2026-06-18
   days on market $125,000 Active 95 DOM
4. 2026-06-17
   days on market $125,000 Active 94 DOM
5. 2026-06-16
   days on market $125,000 Active 93 DOM
6. 2026-06-15
   days on market $125,000 Active 92 DOM
7. 2026-06-13
   days on market $125,000 Active 90 DOM
8. 2026-06-12
   days on market $125,000 Active 89 DOM
9. 2026-06-09
   days on market $125,000 Active 86 DOM
10. 2026-06-08
    days on market $125,000 Active 85 DOM
11. 2026-06-07
    days on market $125,000 Active 84 DOM
12. 2026-06-05
    days on market $125,000 Active 82 DOM
13. 2026-06-04
    days on market $125,000 Active 80 DOM
14. 2026-06-02
    days on market $125,000 Active 79 DOM
15. 2026-06-01
    days on market $125,000 Active 78 DOM
16. 2026-05-31
    days on market $125,000 Active 77 DOM
17. 2026-04-23
    status Active 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

18. 2026-03-23
    status Pending 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

19. 2026-03-20
    historical Active Under Contract 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

20. 2026-02-22
    status Active 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

21. 2026-02-22
    price $135,000 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

22. 2025-12-06
    status Pending 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

23. 2025-11-26
    listed $150,000 Active 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

24. 2025-11-24
    historical $150,000 537-char remark

    Show marketing remark (537 chars)

    Seller offering $5,000 in closing costs! Under $150K!!!This 3-bedroom, 1-bath home is an excellent opportunity for a first-time buyer! With a functional layout, spacious rooms, and updated flooring in the main living areas, the home offers a solid foundation that’s ready for your finishing touches. The large backyard provides room for kids, pets, or outdoor gatherings, and the detached 2-car garage adds valuable storage and convenience. Schedule your showing today — opportunities like this don’t come around often.

25. 2022-04-27
    soldstatus Closed 341-char remark

    Show marketing remark (341 chars)

    Charming ranch home on double lot is ready for you to make yours! New carpet throughout, darling kitchen with newer white cabinets and backsplash tile. Ceramic floors in kitchen and bath. Conveniently located near 116 Hwy, downtown Polo, grocery store and dollar store! This gem won't last long! Listing agent is direct relative of sellers.

26. 2022-04-27
    soldstatus

    Show marketing remark (341 chars)

    Charming ranch home on double lot is ready for you to make yours! New carpet throughout, darling kitchen with newer white cabinets and backsplash tile. Ceramic floors in kitchen and bath. Conveniently located near 116 Hwy, downtown Polo, grocery store and dollar store! This gem won't last long! Listing agent is direct relative of sellers.

27. 2022-04-25
    status Pending 341-char remark

    Show marketing remark (341 chars)

    Charming ranch home on double lot is ready for you to make yours! New carpet throughout, darling kitchen with newer white cabinets and backsplash tile. Ceramic floors in kitchen and bath. Conveniently located near 116 Hwy, downtown Polo, grocery store and dollar store! This gem won't last long! Listing agent is direct relative of sellers.

28. 2022-04-20
    listed $80,000 Active 341-char remark

    Show marketing remark (341 chars)

    Charming ranch home on double lot is ready for you to make yours! New carpet throughout, darling kitchen with newer white cabinets and backsplash tile. Ceramic floors in kitchen and bath. Conveniently located near 116 Hwy, downtown Polo, grocery store and dollar store! This gem won't last long! Listing agent is direct relative of sellers.

29. 2003-07-30
    soldstatus
30. 2003-04-11
    listed $45,000

ⓘ 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: $1,103 · $92/mo
• Projected year-2 tax: $1,212 · $101/mo
• Expected delta: +$110/yr (+$9/mo · 10.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥105°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,266
• − Mortgage interest: −$7,002
• − Property taxes: −$1,103
• − Insurance: −$625
• − Repairs & maintenance: −$1,141
• − Management: −$1,141
• − Depreciation: −$3,636
• Taxable loss: −$383
• Est. tax savings @ 24.0%: +$92
• After-tax cash flow: $1,768/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: Polo R-VII
• NCES district ID: 2925410
• Math proficiency: 40% ▼ -2.00%
• Reading proficiency: 50% ▼ -3.00%
• Median HH income: $50,481
• Composite: 38.65/100
• National rank: #4149
• State rank: #90 of 324 in MO

Livability — Polo

• Score: 56/100
• State rank: #689
• US rank: #22574

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Polo, MO
• Population (ZIP): 1,877

Population outlook (Caldwell County) Hauer SSP2

• Today (2025): 8,255 people
• By 2030: 7,838 · -5.1%
• By 2040: 7,034 · -14.8%
• By 2050: 6,330 · -23.3%
• By 2075: 5,206 · -36.9%
• By 2100: 4,436 · -46.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Black 3% Two or more races 3% Hispanic / Latino 1%
• Common ancestry: Slovak 4% Italian 3% Iranian 1%
• Foreign-born: 0%

Political lean MEDSL · Caldwell

• 2024 margin: Solid R (+61.3) · D 18.9% · R 80.2%
• 2008→2024 swing: -42.9pp toward R · 2008: -18.4pp · 2024: -61.3pp
• All cycles: 2024: R+61.3 2020: R+60.4 2016: R+55.6 2012: R+33.8 2008: R+18.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 134.21%
• Current HPI: 455.3925
• 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

+200.0% since first listed

14 events — show timeline

• 2026-04-23 Relisted — Heartland MLS as Distributed by MLS Grid
• 2026-03-23 Pending — Heartland MLS as Distributed by MLS Grid
• 2026-03-20 Contingent — Heartland MLS as Distributed by MLS Grid
• 2026-02-22 Relisted — Heartland MLS as Distributed by MLS Grid
• 2026-02-22 Price Changed $135,000 Heartland MLS as Distributed by MLS Grid
• 2025-12-06 Pending — Heartland MLS as Distributed by MLS Grid
• 2025-11-26 Listed $150,000 Heartland MLS as Distributed by MLS Grid
• 2025-11-24 Coming Soon $150,000 Heartland MLS as Distributed by MLS Grid
• 2022-04-27 Sold (Public Records) — Public Records
• 2022-04-27 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2022-04-25 Pending — Heartland MLS as Distributed by MLS Grid
• 2022-04-20 Listed $80,000 Heartland MLS as Distributed by MLS Grid
• 2003-07-30 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2003-04-11 Listed $45,000 Heartland MLS as Distributed by MLS Grid

Property tax history

+6.1%/yr

Latest (2025): $1,103 · +19.6% YoY. Source: county tax records.