1315 S Porter Ave · Sedalia, MO 65301

$109,900

1 bd · 1.0 ba · 500 sqft · SingleFamily public records · 134 Days on market

Built 1935 1,944 sqft lot $220/sqft · 86% above area Est $165k · 33% under

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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).

• ARV discount +15.0/15.0
• Cash flow +6.9/30.0
• Schools +3.9/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.9/10.0
• DSCR +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Attention Investors! Don’t miss this remodeled home with strong income potential. A tenant is already secured starting February 15, paying $1,200/month on a one-year lease. A possible 3-bedroom layout makes this a great addition to your portfolio. Turnkey investment—start earning immediately! Close to Centennial park, schools and shopping.

Key facts

• Turnkey investment
• Tenant secured
• Remodeled home

Tags

• REMODELED HOME
• STRONG INCOME POTENTIAL
• TENANT SECURED
• POSSIBLE 3-BEDROOM LAYOUT
• TURNKEY INVESTMENT
• CLOSE TO CENTENNIAL PARK

🏷️ Possibly a rental listed for sale. The $109,900 price doesn't fit this home's estimated sale value (~$164,999) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $-164 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $86k (21.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $75k (31.4% below list).
• Recommended offer: $75k (31.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#107 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D, crime F, commute F.
• Sedalia 200 (town): math 47% / reading 46% proficiency, ranked #89 of 324 in MO (top 28%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 213 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 109 units permitted in Pettis County in 2024 (46 in 5+ unit buildings).
• This rent is only 16% of the median local income ($58k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $760 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Pettis County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 134 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 4y ago; this cycle's ask has dropped $30k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1935 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $75,337 (31.4% 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 134 days. Have you received any prior offers? Is the seller open to a 31% concession, seller financing, or rate buy-down credit?
3. Built in 1935 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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. 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?
8. 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.
9. 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.
10. 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: 0.69% ✗
• Cap rate: 4.50%
• Cash-on-cash: -6.41%
• DSCR: 0.71
• GRM: 12.2

CMA / ARV

• ARV (median comp): $164,999
• List price: $109,900
• Delta: -33.39%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -27.3%
• Equity multiple: 0.08×
• Total profit: $-28,264
• Equity at exit: $16,386

10-year hold

• IRR: -25.4%
• Equity multiple: -0.24×
• Total profit: $-38,042
• Equity at exit: $9,502

Cash invested: $30,772 (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 65301

• Home prices YoY: -21.8%
• Active inventory: 213
• Price-to-rent: 12.2×

Monthly cashflow live

• Estimated rent: $753 medium
• Mortgage (P&I): −$576
• Tax est. 1.5%: −$137 /mo · $1,648/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$158
• Net cashflow: $-164

Break-even live

Break-even rent $961

Max offer price $86,121

Occupancy floor —

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
420 W 7th St Apt 2 Sedalia, MO	—	1.0	386	$700	$1.81	44d	1	1.30mi

Listing history 33 events

1. 2026-06-19
   days on market $109,900 Active 134 DOM
2. 2026-06-18
   days on market $109,900 Active 133 DOM
3. 2026-06-17
   days on market $109,900 Active 132 DOM
4. 2026-06-16
   days on market $109,900 Active 131 DOM
5. 2026-06-15
   days on market $109,900 Active 130 DOM
6. 2026-06-14
   days on market $109,900 Active 128 DOM
7. 2026-06-12
   days on market $109,900 Active 127 DOM
8. 2026-06-09
   days on market $109,900 Active 124 DOM
9. 2026-06-08
   days on market $109,900 Active 123 DOM
10. 2026-06-07
    days on market $109,900 Active 122 DOM
11. 2026-06-05
    days on market $109,900 Active 119 DOM
12. 2026-06-03
    days on market $109,900 Active 118 DOM
13. 2026-06-02
    days on market $109,900 Active 117 DOM
14. 2026-06-01
    days on market $109,900 Active 116 DOM
15. 2026-05-31
    days on market $109,900 Active 115 DOM
16. 2026-05-30
    days on market $109,900 Active 114 DOM
17. 2026-05-12
    price $109,900 353-char remark

    Show marketing remark (353 chars)

    Attention Investors! Don’t miss this remodeled home with strong income potential. A tenant is already secured starting February 15, paying $1,200/month on a one-year lease. A possible 3-bedroom layout makes this a great addition to your portfolio. Turnkey investment—start earning immediately! Close to Centennial park, schools and shopping.

18. 2026-03-24
    price $115,000 353-char remark

    Show marketing remark (353 chars)

    Attention Investors! Don’t miss this remodeled home with strong income potential. A tenant is already secured starting February 15, paying $1,200/month on a one-year lease. A possible 3-bedroom layout makes this a great addition to your portfolio. Turnkey investment—start earning immediately! Close to Centennial park, schools and shopping.

19. 2026-03-24
    price $115,900 353-char remark

    Show marketing remark (353 chars)

    Attention Investors! Don’t miss this remodeled home with strong income potential. A tenant is already secured starting February 15, paying $1,200/month on a one-year lease. A possible 3-bedroom layout makes this a great addition to your portfolio. Turnkey investment—start earning immediately! Close to Centennial park, schools and shopping.

20. 2026-03-04
    price $119,900 353-char remark

    Show marketing remark (353 chars)

    Attention Investors! Don’t miss this remodeled home with strong income potential. A tenant is already secured starting February 15, paying $1,200/month on a one-year lease. A possible 3-bedroom layout makes this a great addition to your portfolio. Turnkey investment—start earning immediately! Close to Centennial park, schools and shopping.

21. 2026-02-17
    price $129,900 353-char remark

    Show marketing remark (353 chars)

    Attention Investors! Don’t miss this remodeled home with strong income potential. A tenant is already secured starting February 15, paying $1,200/month on a one-year lease. A possible 3-bedroom layout makes this a great addition to your portfolio. Turnkey investment—start earning immediately! Close to Centennial park, schools and shopping.

22. 2026-02-05
    listed $139,900 Active 353-char remark

    Show marketing remark (353 chars)

    Attention Investors! Don’t miss this remodeled home with strong income potential. A tenant is already secured starting February 15, paying $1,200/month on a one-year lease. A possible 3-bedroom layout makes this a great addition to your portfolio. Turnkey investment—start earning immediately! Close to Centennial park, schools and shopping.

23. 2024-05-14
    status Active
24. 2024-04-17
    status Pending
25. 2023-12-28
    status Active
26. 2023-11-16
    price $50,000
27. 2023-09-11
    status Active
28. 2023-08-09
    listed $65,000 Active
29. 2022-09-26
    soldstatus Closed
30. 2022-08-12
    listed $20,000 Active
31. 2005-07-01
    soldstatus
32. 1990-05-09
    soldstatus
33. 1985-05-02
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥106°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $9,040
• − Mortgage interest: −$6,156
• − Property taxes: −$1,648
• − Insurance: −$550
• − Repairs & maintenance: −$723
• − Management: −$723
• − Depreciation: −$3,197
• Taxable loss: −$3,957
• Est. tax savings @ 24.0%: +$950
• After-tax cash flow: $-1,022/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: Sedalia 200
• NCES district ID: 2927830
• Math proficiency: 47% ▼ -1.00%
• Reading proficiency: 46% ▼ -3.00%
• Median HH income: $37,452
• Composite: 38.7/100
• National rank: #4141
• State rank: #89 of 324 in MO

Livability — Sedalia

• Score: 71/100
• State rank: #107
• US rank: #6990

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sedalia, MO
• County: Pettis County · 35,091 people
• City population: 35,091
• Metro: Sedalia, MO
• Population (ZIP): 35,091
• Household income: $58,064
• Rent vs Own: 33.9% rent · 66.1% own
• Severe rent burden: 1021.0

Population outlook (Pettis County) Hauer SSP2

• Today (2025): 41,992 people
• By 2030: 41,584 · -1.0%
• By 2040: 40,483 · -3.6%
• By 2050: 39,049 · -7.0%
• By 2075: 35,413 · -15.7%
• By 2100: 30,870 · -26.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Hispanic / Latino 10% Two or more races 7% Black 3%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Subsaharan African 3% Lithuanian 2% Italian 1%
• Foreign-born: 7% · Canada
• Languages at home: 87% English-only · Spanish 7% Russian/Polish/Slavic 4% German/W. Germanic 1%

Political lean MEDSL · Pettis

• 2024 margin: Solid R (+48.8) · D 24.9% · R 73.7% · Other 1.4%
• 2008→2024 swing: -26.3pp toward R · 2008: -22.4pp · 2024: -48.8pp
• All cycles: 2024: R+48.8 2020: R+47.5 2016: R+46.9 2012: R+28.8 2008: R+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -81.80%
• Current HPI: 292.8224
• Rent YoY: —
• Metro: Sedalia, 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

+449.5% since first listed

17 events — show timeline

• 2026-05-12 Price Changed $109,900 WCAR
• 2026-03-24 Price Changed $115,000 WCAR
• 2026-03-24 Price Changed $115,900 WCAR
• 2026-03-04 Price Changed $119,900 WCAR
• 2026-02-17 Price Changed $129,900 WCAR
• 2026-02-05 Listed $139,900 WCAR
• 2024-05-14 Relisted — WCAR
• 2024-04-17 Pending — WCAR
• 2023-12-28 Relisted — WCAR
• 2023-11-16 Price Changed $50,000 WCAR
• 2023-09-11 Relisted — WCAR
• 2023-08-09 Listed $65,000 WCAR
• 2022-09-26 Sold (MLS) — WCAR
• 2022-08-12 Listed $20,000 WCAR
• 2005-07-01 Sold (Public Records) — Public Records
• 1990-05-09 Sold (Public Records) — Public Records
• 1985-05-02 Sold (Public Records) — Public Records

Property tax history

-0.3%/yr

Latest (2025): $131 · +3.8% YoY. Source: county tax records.