236 Maple St · New Bloomfield, MO 65063

$199,900

4 bd · 1.0 ba · 910 sqft · SingleFamily public records · 7 Days on market

Built 1998 0.50 ac lot Est $168k · 19% over

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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 +17.2/30.0
• DSCR +5.4/10.0
• 1% rule +3.9/10.0
• Schools +3.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Well-maintained duplex offering two spacious units, each featuring 2 bedrooms, 2 full bathrooms, and an attached 1-car garage. Both units are conveniently located on the main level, providing desirable single-level living that appeals to a wide variety of tenants. One unit has been updated with new flooring, cabinets, paint, and light fixtures, adding modern appeal and value. The functional floor plans offer generous living spaces, ample storage, and private garage parking for each tenant. Situated on a large half-acre lot, this property offers additional upside with potential room to build another rental unit (buyer to verify). The duplex directly across the street is also available for pu

Key facts

• Two spacious units
• Large half acre lot
• 0.5 acre lot

Tags

• WELL MAINTAINED DUPLEX
• TWO SPACIOUS UNITS
• UPDATED WITH NEW FLOORING
• PRIVATE GARAGE PARKING
• LARGE HALF ACRE LOT
• POTENTIAL ROOM TO BUILD

Property features AI

Finance

• Financial info: Two rental units with current rents: one unit at $675, the other at $750

Exterior

• Parking: Detached or attached garage with 2 garage spaces
• Utilities: Public water; Public sewer
• Home design: Residential income property; Updated/remodeled
• Construction: Vinyl siding
• Exterior features: Half-acre lot

Interior

• Bedrooms: Two 2-bedroom units (each unit has 2 bedrooms)
• Bathrooms: Four full bathrooms (total)
• Heating & cooling: Central air conditioning; Electric heating
• Interior features: No fireplace; No basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $143 ($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 $179k (10.5% below list).
• Recommended offer: $179k (10.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#365 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• New Bloomfield R-III (rural): math 35% / reading 39% proficiency, ranked #165 of 324 in MO (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: New Bloomfield Elem. (math 27% / reading 32%, grade F, #813 of 1,115 statewide, top 75%, 358 students, 34% FRL) — zoned schools at 34% FRL track the district average.
• Market conditions: 35 active listings in the ZIP; 40 units permitted in Callaway 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.

Recommended offer $178,843 (10.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.89% ✗
• Cap rate: 7.15%
• Cash-on-cash: 3.06%
• DSCR: 1.14
• GRM: 9.3

CMA / ARV

• ARV (on-the-fly): $168,350
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
108 Oak St	0.31mi	3/1.0 (-1)	960 (+6%)	22mo	$179,900	$187	53
102 Chevy Chase Ln	0.54mi	3/1.0 (-1)	1,000 (+10%)	1mo	$184,900	$185	53
614 Cedar Ln	0.38mi	3/1.0 (-1)	959 (+5%)	19mo	$161,900	$169	52
336 Elmwood Circle Cir	0.42mi	3/1.0 (-1)	1,022 (+12%)	22mo	$165,000	$161	36

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: -11.5%
• Equity multiple: 0.58×
• Total profit: $-23,332
• Equity at exit: $29,806

10-year hold

• IRR: -2.3%
• Equity multiple: 0.84×
• Total profit: $-8,765
• Equity at exit: $17,284

Cash invested: $55,972 (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 65063

• Home prices YoY: -26.8%
• Active inventory: 35
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $1,788 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$138 /mo · $1,660/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$376
• Net cashflow: $143

Break-even live

Break-even rent $1,608

Max offer price $199,900

Occupancy floor 87%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-19
   days on market $199,900 Active 7 DOM
2. 2026-06-18
   days on market $199,900 Active 6 DOM
3. 2026-06-17
   days on market $199,900 Active 5 DOM
4. 2026-06-16
   days on market $199,900 Active 4 DOM
5. 2026-06-15
   days on market $199,900 Active 3 DOM
6. 2026-06-13
   remarks 699-char remark
7. 2026-06-13
   listed $199,900 Active 1 DOM

ⓘ 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: $1,660 · $138/mo
• Projected year-2 tax: $1,939 · $162/mo
• Expected delta: +$279/yr (+$23/mo · 16.8%)

ⓘ 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 ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% 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: $21,461
• − Mortgage interest: −$11,198
• − Property taxes: −$1,660
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,717
• − Management: −$1,717
• − Depreciation: −$5,815
• Taxable loss: −$1,645
• Est. tax savings @ 24.0%: +$395
• After-tax cash flow: $2,110/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: New Bloomfield R-III
• NCES district ID: 2921875
• Math proficiency: 35% ▼ -5.00%
• Reading proficiency: 39% ▼ -6.00%
• Median HH income: $60,892
• Composite: 33.04/100
• National rank: #5574
• State rank: #165 of 324 in MO

Livability — New Bloomfield

• Score: 63/100
• State rank: #365
• US rank: #16061

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Bloomfield, MO
• City population: 4,180
• Population (ZIP): 4,180

Population outlook (Callaway County) Hauer SSP2

• Today (2025): 45,390 people
• By 2030: 45,493 · +0.2%
• By 2040: 45,092 · -0.7%
• By 2050: 44,069 · -2.9%
• By 2075: 41,875 · -7.7%
• By 2100: 38,094 · -16.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Italian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Callaway

• 2024 margin: Solid R (+43.3) · D 27.6% · R 70.9% · Other 1.5%
• 2008→2024 swing: -23.6pp toward R · 2008: -19.7pp · 2024: -43.3pp
• All cycles: 2024: R+43.3 2020: R+42.3 2016: R+42.2 2012: R+31.1 2008: R+19.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.75%
• Current HPI: 206.671
• 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

2 events — show timeline

• 2026-06-12 Listed $199,900 JCMLS
• 2005-09-22 Sold (Public Records) — Public Records

Property tax history

+0.8%/yr

Latest (2025): $1,660 · -0.6% YoY. Source: county tax records.