501 S Lake St · Rosendale, MO 64483

$89,900

4 bd · 1.0 ba · 1,338 sqft · SingleFamily public records · 30 Days on market

Built 1900 2.00 ac lot $67/sqft · at area comps Est $90k · at est.

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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 +30.0/30.0
• DSCR +10.0/10.0
• Appreciation +9.1/10.0
• 1% rule +8.6/10.0
• ARV discount +7.5/15.0
• 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

4 bedroom cottage in Rosendale, MO. This home has a main floor rec room, detached garage, original wood floors, and tons of original character including a window seat.

Key facts

• 24x20 outbuilding
• Cozy window seat
• Spiral staircase

Tags

• COZY WINDOW SEAT
• ENCLOSED FRONT PORCH
• SPIRAL STAIRCASE
• ANTIQUE TILE FLOORING
• 24X20 OUTBUILDING
• NEW ROOF

Property features AI

Finance

• Other: Property sits on approximately 2 acres; Lot is level; Located in a flood plain
• HOA & community: No association fees

Exterior

• Parking: Detached 2-car garage with garage door opener
• Utilities: Public water; Public sewer
• Home design: Single-family residence; 1.5-story floor plan; Residential property
• Construction: Frame construction; Composition roof; Has basement with inside entrance; Approximately 101+ years old
• Exterior features: Screened porch; Porch; Metal fencing; Outbuilding

Interior

• Kitchen: Gas range
• Bedrooms: 4 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Electric cooling
• Interior features: Formal dining area; Gas range
• Laundry & utility: Main-level laundry

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $90k.

Deal economics

• At list price, monthly cash flow is $83 ($998/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $90k).
• Recommended offer: $89k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 55/100 on livability (#756 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• North Andrew County R-VI (rural): math 35% / reading 50% proficiency, ranked #236 of 535 in MO (top 44%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: North Andrew Elem. (math 67% / reading 57%, grade B, #98 of 1,115 statewide, top 10%, 115 students, 29% FRL); North Andrew Middle (math 27% / reading 42%, grade F, #243 of 391 statewide, top 65%, 72 students, 29% FRL); North Andrew High (math 44% / reading 34%, grade F, #247 of 521 statewide, top 55%, 113 students, 24% FRL) — zoned schools at 27% FRL track the district average.
• Market conditions: 2 active listings in the ZIP; 4 units permitted in Andrew County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($622 loan paydown + $7k appreciation (8.2% local appreciation)).
• Andrew County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (8.2% appreciation + 3.0% rent growth), your $25k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($89k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 20y 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: flood insurance adds $314/mo; built in 1900 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $88,551 (1.5% below list)

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-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. 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?
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: 1.36% ✓
• Cap rate: 11.59%
• Cash-on-cash: 18.92%
• DSCR: 1.84
• GRM: 6.1

CMA / ARV

• ARV (median comp): $89,900
• List price: $89,900
• Delta: —
• Verdict: FAIR
• Comps: 3 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
501 S Lake St	0.00mi	4/1.0	1,338 (0%)	0mo	$89,900	$67	100
404 S Lake St	0.04mi	4/1.5	1,198 (-10%)	4mo	$31,000	$26	75
6087 149th County Rd	0.57mi	3/2.0 (-1)	1,248 (-7%)	21mo	$224,900	$180	36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

8.18% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.5%
• Equity multiple: 2.73×
• Total profit: $43,536
• Equity at exit: $69,391

10-year hold

• IRR: 21.4%
• Equity multiple: 5.88×
• Total profit: $122,797
• Equity at exit: $138,796

Cash invested: $25,172 (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 64483

• Home prices YoY: 3.3%
• Active inventory: 2
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,226 medium
• Mortgage (P&I): −$471
• Tax from tax record: −$63 /mo · $753/yr
• Insurance: −$37
• Flood insurance flood zone: −$314 /mo · $3,765/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$257
• Net cashflow: $83

Break-even live

Break-even rent $1,121

Max offer price $89,900

Occupancy floor 88%

Sensitivity live

Price	-10% $134	-5% $109	+0% $83	+5% $58	+10% $32
Rent	-10% $-14	-5% $35	+0% $83	+5% $132	+10% $180
Rate	-1.0pp $128	-0.5pp $106	base $83	+0.5pp $60	+1.0pp $36

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: $22,475
• Closing costs: $2,697
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-06-04
   statusdays on market $89,900 Pending 30 DOM
2. 2026-06-02
   days on market $89,900 Active 29 DOM
3. 2026-06-01
   days on market $89,900 Active 28 DOM
4. 2026-05-31
   days on market $89,900 Active 27 DOM
5. 2026-05-04
   listed $89,900 Active 806-char remark
6. 2014-04-15
   soldstatus 167-char remark

   Show marketing remark (167 chars)

   4 bedroom cottage in Rosendale, MO. This home has a main floor rec room, detached garage, original wood floors, and tons of original character including a window seat.

7. 2014-02-10
   listed $20,000 167-char remark

   Show marketing remark (167 chars)

   4 bedroom cottage in Rosendale, MO. This home has a main floor rec room, detached garage, original wood floors, and tons of original character including a window seat.

8. 2006-06-28
   soldstatus

   Show marketing remark (123 chars)

   Rosendale-Small town living-Updated decor-Large level lot-Detached garage-Fenced back yard-Nice home-Priced below appraisal

9. 2006-03-16
   listed $62,500

   Show marketing remark (123 chars)

   Rosendale-Small town living-Updated decor-Large level lot-Detached garage-Fenced back yard-Nice home-Priced below appraisal

10. 2002-05-01
    soldstatus

ⓘ 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: $753 · $63/mo
• Projected year-2 tax: $872 · $73/mo
• Expected delta: +$119/yr (+$10/mo · 15.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone A · 17% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥106°F today · 16 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: $14,712
• − Mortgage interest: −$5,036
• − Property taxes: −$753
• − Insurance: −$4,214
• − Repairs & maintenance: −$1,177
• − Management: −$1,177
• − Depreciation: −$2,615
• Taxable loss: −$260
• Est. tax savings @ 24.0%: +$63
• After-tax cash flow: $1,060/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: North Andrew County R-VI
• NCES district ID: 2922710
• Math proficiency: 35% ▬ 0.00%
• Reading proficiency: 50% ▲ 10.00%
• Median HH income: $51,808
• Composite: 39.03/100
• National rank: #8279
• State rank: #236 of 535 in MO

Livability — Rosendale

• Score: 55/100
• State rank: #756
• US rank: #23515

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rosendale, MO
• Population (ZIP): 530

Population outlook (Andrew County) Hauer SSP2

• Today (2025): 17,463 people
• By 2030: 17,412 · -0.3%
• By 2040: 17,051 · -2.4%
• By 2050: 16,359 · -6.3%
• By 2075: 14,483 · -17.1%
• By 2100: 11,788 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Black 5% Two or more races 2%
• Common ancestry: Portuguese 5% European 3% Italian 1%
• Languages at home: 91% English-only · Spanish 9%

Political lean MEDSL · Andrew

• 2024 margin: Solid R (+51.8) · D 23.5% · R 75.2% · Other 1.3%
• 2008→2024 swing: -29.7pp toward R · 2008: -22.0pp · 2024: -51.8pp
• All cycles: 2024: R+51.8 2020: R+50.3 2016: R+50.5 2012: R+33.8 2008: R+22.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.18%
• Current HPI: 258.0805
• 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

+43.8% since first listed

8 events — show timeline

• 2026-06-12 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2026-06-03 Pending — Heartland MLS as Distributed by MLS Grid
• 2026-05-04 Listed $89,900 Heartland MLS as Distributed by MLS Grid
• 2014-04-15 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2014-02-10 Listed $20,000 Heartland MLS as Distributed by MLS Grid
• 2006-06-28 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2006-03-16 Listed $62,500 Heartland MLS as Distributed by MLS Grid
• 2002-05-01 Sold (Public Records) — Public Records

Property tax history

+1.0%/yr

Latest (2025): $753 · +9.8% YoY. Source: county tax records.