1295 S Whitaker Ave · Republic, MO 65738

$259,900

3 bd · 2.0 ba · 1,401 sqft · SingleFamily public records · 41 Days on market

Built 2021 10,019 sqft lot $186/sqft · at area comps Est $253k · at est. $8/mo HOA ↓ 2% since listing

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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 +11.4/30.0
• ARV discount +6.3/15.0
• Schools +4.8/10.0
• Livability +3.6/5.0
• Rent growth +3.4/5.0
• DSCR +3.3/10.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Enjoy top-quality craftsmanship and enduring comfort in the Fellows (14N) new home plan. Key family memories all begin in the beautifully functional kitchen. Walk into the open concept living and dining space with plenty of natural light thanks to perfectly placed windows. Leave your cares behind when you retreat to the master bedroom, featuring an en suite bathroom and a large walk-in closet. Two spare bedrooms and the 2-car garage provide plenty of space to store toys for kids and grown-ups alike. * Images are representational. Actual finishes may vary depending on lot and community

Key facts

• Modern family home
• Great natural light
• Spacious living area

Tags

• MODERN FAMILY HOME
• SPACIOUS LIVING AREA
• GREAT NATURAL LIGHT
• MULTIPLE STORAGE CLOSETS
• WALK-IN CRAWL SPACE
• CONVENIENTLY LOCATED

Property features AI

Finance

• HOA & community: Homeowners association with an annual fee of $100 (about $8.33/month)

Exterior

• Parking: 2-car garage; Driveway; Garage faces front
• Security: Smoke detectors
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One story
• Construction: Vinyl siding, frame, stone, and concrete construction
• Exterior features: Rain gutters; Deck; Asphalt road frontage on a public, city-maintained street; Located in the Olde Savannah subdivision

Interior

• Kitchen: Electric oven; Electric cooktop; Free-standing electric oven; Microwave; Dishwasher; Disposal; Exhaust fan
• Bedrooms: Bedrooms with walk-in closet(s)
• Flooring: Carpet; Vinyl; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (forced air, natural gas); Central air conditioning; Ceiling fan(s); Exhaust fan
• Interior features: Laminate countertops; Tray ceilings; Walk-in closets; Insulated double-pane windows
• Laundry & utility: Main-level laundry; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $-93 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $244k (6.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $198k (24.0% below list).
• Recommended offer: $198k (24.0% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 4.0% in Republic — 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 72/100 on livability (#92 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, health & safety F.
• Republic R-III (suburban): math 56% / reading 57% proficiency, ranked #19 of 324 in MO (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Mcculloch Elementary (math 52% / reading 52%, grade C-, #231 of 1,115 statewide, top 24%, 454 students, 34% FRL); Republic Middle (math 50% / reading 53%, grade C, #57 of 391 statewide, top 15%, 1,146 students, 39% FRL); Republic High (math 56% / reading 60%, grade C, #48 of 521 statewide, top 9%, 1,542 students, 31% FRL) — zoned schools at 35% FRL track the district average.
• Market conditions: Rents rising (+3.6%/yr); 478 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,302 units permitted in Greene County in 2024 (250 in 5+ unit buildings).
• This rent runs 35% of the median local income ($68k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Greene County population projected at +25% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 41 days — a 3% lower offer ($252k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y 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.

Recommended offer $197,552 (24.0% 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. It's been on market 41 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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?
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: 0.76% ✗
• Cap rate: 5.87%
• Cash-on-cash: -1.53%
• DSCR: 0.93
• GRM: 11.0

CMA / ARV

• ARV (median comp): $253,078
• List price: $259,900
• Delta: 2.70%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1479 E Drayton Ct	0.05mi	3/2.0	1,335 (-5%)	2mo	$249,900	$187	88
1331 Abercorn St	0.20mi	3/2.0	1,437 (+3%)	3mo	$259,000	$180	84
1559 E Charlton St	0.18mi	3/2.0	1,473 (+5%)	2mo	$285,301	$194	82
1214 E Habersham St	0.20mi	3/2.0	1,347 (-4%)	4mo	$265,985	$197	81
1164 E Abercorn St	0.23mi	3/2.0	1,473 (+5%)	1mo	$269,128	$183	80
1188 E Abercorn St	0.23mi	3/2.0	1,347 (-4%)	4mo	$265,585	$197	80
1218 E Abercorn St	0.24mi	3/2.0	1,473 (+5%)	2mo	$269,904	$183	78
1537 S Olde Savannah Ave	0.31mi	3/2.0	1,435 (+2%)	4mo	$265,000	$185	78
1538 S Montgomery Ave	0.30mi	3/2.0	1,335 (-5%)	2mo	$259,900	$195	77
1213 Abercorn St	0.21mi	3/2.0	1,473 (+5%)	6mo	$269,944	$183	76
1522 S Bull Ct	0.31mi	3/2.0	1,510 (+8%)	6mo	$275,000	$182	68
1450 S Olde Savannah Ave	0.22mi	4/2.0 (+1)	1,539 (+10%)	1mo	$285,000	$185	68

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 · 3.61% rent growth · sell at horizon

5-year hold

• IRR: -18.2%
• Equity multiple: 0.36×
• Total profit: $-46,854
• Equity at exit: $38,752

10-year hold

• IRR: -9.5%
• Equity multiple: 0.40×
• Total profit: $-43,565
• Equity at exit: $22,471

Cash invested: $72,772 (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 65738

• Home prices YoY: -32.2%
• Rents YoY: 3.6%
• Active inventory: 478
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $1,976 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$174 /mo · $2,089/yr
• Insurance: −$108
• HOA: −$8
• Vacancy / Maint / Mgmt: −$415
• Net cashflow: $-93

Break-even live

Break-even rent $2,093

Max offer price $243,533

Occupancy floor 100%

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: $64,975
• Closing costs: $7,797
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1450 S Olde Savannah Ave Republic, MO	4.0	2.0	1539	$2,400	$1.56	13d	1	0.21mi
109 N Allen Ave Republic, MO	3.0	1.0	1141	$1,295	$1.13	43d	1	1.09mi
101 S Basswood Ave Republic, MO	3.0	1.0	1060	$1,250	$1.18	43d	1	1.18mi
649 Rilynn Ave Republic, MO	3.0	2.0	1300	$1,500	$1.15	13d	1	1.31mi
1338 S Marseilles Ave Republic, MO	3.0	2.0	1513	$1,575	$1.04	43d	1	1.32mi
419 W Barcelona St Republic, MO	3.0	2.0	1335	$1,650	$1.24	23d	1	1.45mi

HOA detail

• Monthly dues: $8 · $96/yr

Listing history 21 events

1. 2026-06-18
   days on market $259,900 Active 41 DOM
2. 2026-06-17
   days on market $259,900 Active 40 DOM
3. 2026-06-16
   days on market $259,900 Active 39 DOM
4. 2026-06-15
   days on market $259,900 Active 38 DOM
5. 2026-06-14
   days on market $259,900 Active 36 DOM
6. 2026-06-13
   days on market $259,900 Active 35 DOM
7. 2026-06-10
   days on market $259,900 Active 33 DOM
8. 2026-06-09
   days on market $259,900 Active 32 DOM
9. 2026-06-08
   days on market $259,900 Active 31 DOM
10. 2026-06-07
    days on market $259,900 Active 30 DOM
11. 2026-06-05
    days on market $259,900 Active 27 DOM
12. 2026-06-03
    days on market $259,900 Active 26 DOM
13. 2026-06-02
    days on market $259,900 Active 25 DOM
14. 2026-06-01
    days on market $259,900 Active 24 DOM
15. 2026-05-31
    days on market $259,900 Active 23 DOM
16. 2026-05-30
    days on market $259,900 Active 22 DOM
17. 2026-05-08
    listed $265,000 Active 381-char remark
18. 2026-03-10
    status Active
19. 2026-01-23
    listed $265,000 Active
20. 2021-12-06
    soldstatus

    Show marketing remark (591 chars)

    Enjoy top-quality craftsmanship and enduring comfort in the Fellows (14N) new home plan. Key family memories all begin in the beautifully functional kitchen. Walk into the open concept living and dining space with plenty of natural light thanks to perfectly placed windows. Leave your cares behind when you retreat to the master bedroom, featuring an en suite bathroom and a large walk-in closet. Two spare bedrooms and the 2-car garage provide plenty of space to store toys for kids and grown-ups alike. * Images are representational. Actual finishes may vary depending on lot and community

21. 2021-10-07
    listed $265,000

    Show marketing remark (591 chars)

    Enjoy top-quality craftsmanship and enduring comfort in the Fellows (14N) new home plan. Key family memories all begin in the beautifully functional kitchen. Walk into the open concept living and dining space with plenty of natural light thanks to perfectly placed windows. Leave your cares behind when you retreat to the master bedroom, featuring an en suite bathroom and a large walk-in closet. Two spare bedrooms and the 2-car garage provide plenty of space to store toys for kids and grown-ups alike. * Images are representational. Actual finishes may vary depending on lot and community

ⓘ 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: $2,089 · $174/mo
• Projected year-2 tax: $2,521 · $210/mo
• Expected delta: +$432/yr (+$36/mo · 20.7%)

ⓘ 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 ≥105°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,706
• − Mortgage interest: −$14,558
• − Property taxes: −$2,089
• − Insurance: −$1,300
• − Repairs & maintenance: −$1,896
• − Management: −$1,896
• − HOA: −$96
• − Depreciation: −$7,561
• Taxable loss: −$5,690
• Est. tax savings @ 24.0%: +$1,366
• After-tax cash flow: $254/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: Republic R-III
• NCES district ID: 2926220
• Math proficiency: 56% ▲ 2.00%
• Reading proficiency: 57% ▼ -1.00%
• Median HH income: $51,329
• Composite: 48.3/100
• National rank: #2152
• State rank: #19 of 324 in MO

Livability — Republic

• Score: 72/100
• State rank: #92
• US rank: #6228

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Republic, MO
• County: Greene County · 244,327 people
• City population: 21,283
• Metro: Springfield, MO
• Population (ZIP): 21,283
• Household income: $67,841
• Rent vs Own: 33.8% rent · 66.2% own
• Severe rent burden: 461.0

Population outlook (Greene County) Hauer SSP2

• Today (2025): 319,054 people
• By 2030: 335,135 · +5.0%
• By 2040: 366,186 · +14.8%
• By 2050: 397,431 · +24.6%
• By 2075: 477,035 · +49.5%
• By 2100: 520,828 · +63.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Hispanic / Latino 3% Black 1%
• Common ancestry: Italian 2% Lithuanian 2% Portuguese 2%
• Foreign-born: 1% · Canada, China
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Greene

• 2024 margin: Strong R (+20.8) · D 38.9% · R 59.7% · Other 1.4%
• 2008→2024 swing: -5.0pp toward R · 2008: -15.8pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+20.1 2016: R+27.4 2012: R+24.4 2008: R+15.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -102.93%
• Current HPI: 217.1512
• Rent YoY: ▲ 3.61%
• Metro: Springfield, 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

-1.9% since first listed

6 events — show timeline

• 2026-05-27 Price Changed $259,900 SOMO
• 2026-05-08 Listed $265,000 SOMO
• 2026-03-10 Relisted — SOMO
• 2026-01-23 Listed $265,000 SOMO
• 2021-12-06 Sold (MLS) — SOMO
• 2021-10-07 Listed $265,000 SOMO

Property tax history

+6.8%/yr

Latest (2025): $2,089 · +2.0% YoY. Source: county tax records.