519 Fisk Ave · Moberly, MO 65270

$12,000

4 bd · 1.5 ba · 2,634 sqft · SingleFamily public records · 27 Days on market

Built 1920 9,295 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 +17.9/30.0
• ARV discount +7.5/15.0
• DSCR +5.6/10.0
• 1% rule +4.8/10.0
• Livability +3.9/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This property offers a unique opportunity for redevelopment. The existing structure is beyond renovation, making it ideal for a complete teardown and new construction. Situated on a desirable corner lot, the possibilities are wide open--bring your vision and build something entirely new! Zoned R-2 (single family or duplex)

Key facts

• New construction
• Complete teardown
• Corner lot

Tags

• CORNER LOT
• COMPLETE TEARDOWN
• NEW CONSTRUCTION

🏗️ New construction. The $12,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $142,308.

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $12k.

Deal economics

• At list price, monthly cash flow is $121 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $12k).
• Recommended offer: $12k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.3% vs local median 4.5% in Moberly — 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 77/100 on livability (#32 in MO, #3,045 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, schools D-, amenities F.
• Moberly (town): math 30% / reading 36% proficiency, ranked #246 of 324 in MO (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 134 active listings in the ZIP; 25 units permitted in Randolph County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $984 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Randolph County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($12k) is reasonable based on typical stale-listing flexibility.
• 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

• Watch-outs: property tax is 17.8% of price; built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $11,820 (1.5% below list)

Questions for the listing agent

1. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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: 0.98% ✗
• Cap rate: 7.31%
• Cash-on-cash: 3.64%
• DSCR: 1.16
• GRM: 8.5

CMA / ARV

• ARV (median comp): $142,308
• List price: $12,000
• Delta: -91.57%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
519 Fisk Ave	0.00mi	4/1.5	2,592 (-2%)	1mo	$12,000	$5	97
523 W Logan St	0.09mi	4/2.0	2,428 (-8%)	0mo	$65,000	$27	81
419 S Fourth St	0.19mi	4/1.0	2,484 (-6%)	4mo	$29,900	$12	76
508 S Williams St	0.29mi	4/3.0	2,675 (+2%)	2mo	$74,900	$28	76
527 W Logan St	0.09mi	4/3.0	2,420 (-8%)	11mo	$215,000	$89	67
816 W Reed St	0.33mi	4/1.5	2,300 (-13%)	3mo	$30,000	$13	61
817 Gilman St	0.45mi	4/2.5	2,774 (+5%)	6mo	$329,900	$119	61
712 Flower Ln	0.47mi	4/2.5	2,538 (-4%)	10mo	$249,000	$98	60
1052 Bond St	0.66mi	3/1.5 (-1)	2,565 (-3%)	10mo	$129,000	$50	52
1125 Fisk Ave	0.62mi	4/3.0	2,744 (+4%)	10mo	$240,000	$87	50
911 Beuth Rd	0.66mi	3/2.0 (-1)	2,652 (+1%)	14mo	$279,000	$105	50
316 Taylor St	0.65mi	4/2.0	2,300 (-13%)	9mo	$189,000	$82	39

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -10.6%
• Equity multiple: 0.62×
• Total profit: $-15,332
• Equity at exit: $21,219

10-year hold

• IRR: -1.2%
• Equity multiple: 0.92×
• Total profit: $-3,342
• Equity at exit: $12,304

Cash invested: $39,846 (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 65270

• Home prices YoY: -30.6%
• Active inventory: 134
• Price-to-rent: 0.7×

Monthly cashflow live

• Estimated rent: $1,398 medium
• Mortgage (P&I): −$746
• Tax est. 1.5%: −$178 /mo · $2,135/yr
• Insurance: −$59
• HOA: −$0
• Vacancy / Maint / Mgmt: −$294
• Net cashflow: $121

Break-even live

Break-even rent $1,245

Max offer price $142,308

Occupancy floor 86%

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: $35,577
• Closing costs: $4,269
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-05-17
   status Pending 324-char remark

   Show marketing remark (326 chars)

   This property offers a unique opportunity for redevelopment. The existing structure is beyond renovation, making it ideal for a complete teardown and new construction. Situated on a desirable corner lot, the possibilities are wide open--bring your vision and build something entirely new! Zoned R-2 (single family or duplex).

2. 2026-05-17
   status Pending 326-char remark

   Show marketing remark (326 chars)

   This property offers a unique opportunity for redevelopment. The existing structure is beyond renovation, making it ideal for a complete teardown and new construction. Situated on a desirable corner lot, the possibilities are wide open--bring your vision and build something entirely new! Zoned R-2 (single family or duplex).

3. 2026-04-20
   listed $12,000 Active 324-char remark

   Show marketing remark (326 chars)

   This property offers a unique opportunity for redevelopment. The existing structure is beyond renovation, making it ideal for a complete teardown and new construction. Situated on a desirable corner lot, the possibilities are wide open--bring your vision and build something entirely new! Zoned R-2 (single family or duplex).

4. 2026-04-20
   listed $12,000 Active 326-char remark

   Show marketing remark (326 chars)

   This property offers a unique opportunity for redevelopment. The existing structure is beyond renovation, making it ideal for a complete teardown and new construction. Situated on a desirable corner lot, the possibilities are wide open--bring your vision and build something entirely new! Zoned R-2 (single family or duplex).

5. 2024-05-09
   listed $17,000 Active
6. 1988-08-23
   soldstatus
7. 1984-08-28
   soldstatus $38,500

ⓘ 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: $122 · $10/mo
• Projected year-2 tax: $122 · $10/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 7 d/yr ≥106°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,777
• − Mortgage interest: −$7,971
• − Property taxes: −$2,135
• − Insurance: −$712
• − Repairs & maintenance: −$1,342
• − Management: −$1,342
• − Depreciation: −$4,140
• Taxable loss: −$865
• Est. tax savings @ 24.0%: +$208
• After-tax cash flow: $1,660/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: Moberly
• NCES district ID: 2921100
• Math proficiency: 30% ▼ -1.00%
• Reading proficiency: 36% ▼ -3.00%
• Median HH income: $36,160
• Composite: 27.35/100
• National rank: #6984
• State rank: #246 of 324 in MO

Livability — Moberly

• Score: 77/100
• State rank: #32
• US rank: #3045

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moberly, MO
• Population (ZIP): 16,762

Population outlook (Randolph County) Hauer SSP2

• Today (2025): 24,596 people
• By 2030: 24,213 · -1.6%
• By 2040: 23,184 · -5.7%
• By 2050: 22,081 · -10.2%
• By 2075: 18,994 · -22.8%
• By 2100: 15,070 · -38.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 7% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 2% Lithuanian 2% Iranian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Randolph

• 2024 margin: Solid R (+52.2) · D 23.3% · R 75.5% · Other 1.2%
• 2008→2024 swing: -28.9pp toward R · 2008: -23.3pp · 2024: -52.2pp
• All cycles: 2024: R+52.2 2020: R+51.5 2016: R+50.9 2012: R+36.6 2008: R+23.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.15%
• Current HPI: 199.9743
• 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

-68.8% since first listed

7 events — show timeline

• 2026-05-17 Pending — CBORMLS
• 2026-05-17 Pending — RCBR
• 2026-04-20 Listed $12,000 CBORMLS
• 2026-04-20 Listed $12,000 RCBR
• 2024-05-09 Listed $17,000 RCBR
• 1988-08-23 Sold (Public Records) — Public Records
• 1984-08-28 Sold (Public Records) $38,500 Public Records

Property tax history

-13.0%/yr

Latest (2025): $122 · -69.0% YoY. Source: county tax records.