Bldg D-15 Via Pendio Dr Unit D-15 · Lake Ozark, MO 65079

$5,000

2 bd · 2.0 ba · 1,750 sqft · SingleFamily · 65 Days on market

Built 2003 $3/sqft · 99% below area $244/mo HOA · 9% of rent

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +4.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Escape to the Private Quarters Club at Porto Cima, where you can enjoy the benefits of a second home without the burden of maintenance. Located on the stunning Shawnee Bend peninsula of the Lake of the Ozarks, this exclusive residence offers deeded ownership (fee simple) with 21 annual days of use. This fully furnished, 1,750 sq. ft. residence is situated directly on the 18th hole of the Jack Nicklaus-signature golf course. The interior boasts 2 master bedrooms, 2 baths, hardwood floors, leather living room furnishings, and Jacuzzi tubs. Relax on your outdoor deck with a golf course view! When "in residence, " you, your spouse, and children under 23 enjoy cart-fee-only golf on a course ranked by Golf Digest as one of the nation’s top private courses. You also gain access to the 17,000 sq. ft. clubhouse, fitness facilities, and the Yacht Club, which features a swimming pool, tennis courts, and a full-service marina. Experience true concierge living with pre-arrival services including villa stocking and tee time reservations. Plus, expand your horizons with affiliation to Elite Alliance locations around the world.

Key facts

• Golf course view
• Fitness facilities
• 17

Tags

• DEEDED OWNERSHIP
• GOLF COURSE VIEW
• 17
• 000 SQ. FT. CLUBHOUSE
• FITNESS FACILITIES
• YACHT CLUB

🏷️ Possibly a rental listed for sale. The $5,000 price doesn't fit this home's estimated sale value (~$469,089) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $2k ($22k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $5k).
• Recommended offer: $5k (6.0% below list) — sets the bar for market timing.
• Cap rate 451.4% vs local median 0.1% in Lake Ozark — 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 65/100 on livability (#283 in MO) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment A; Watch: schools F, amenities F, commute F.
• Camdenton R-III (rural): math 46% / reading 48% proficiency, ranked #68 of 324 in MO (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 331 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 272 units permitted in Camden County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $35 of loan paydown is wiped out by about $150 of value loss. Plan a longer hold.
• Camden County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($5k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $4,700 (6.0% below list)

Questions for the listing agent

1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 54.00% ✓
• Cap rate: 451.36%
• Cash-on-cash: 1589.53%
• DSCR: 71.72
• GRM: 0.2

CMA / ARV

• ARV (median comp): $469,089
• List price: $5,000
• Delta: -98.93%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: —
• Equity multiple: 84.92×
• Total profit: $117,491
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 183.26×
• Total profit: $255,170
• Equity at exit: $432

Cash invested: $1,400 (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 65079

• Home prices YoY: -21.9%
• Active inventory: 331
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,700 medium
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA: −$244
• Vacancy / Maint / Mgmt: −$567
• Net cashflow: $1,854

Break-even live

Break-even rent $353

Max offer price $5,000

Occupancy floor 26%

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
46 Arrowhead Beach Rd Lake Ozark, MO	3.0	2.0	1778	$2,700	$1.52	43d	1	1.05mi

HOA detail

• Monthly dues: $244 · $2,928/yr
• Likely covers: pooldoorman

Listing history 17 events

1. 2026-06-19
   days on market $5,000 Active 65 DOM
2. 2026-06-18
   days on market $5,000 Active 64 DOM
3. 2026-06-17
   days on market $5,000 Active 63 DOM
4. 2026-06-16
   days on market $5,000 Active 62 DOM
5. 2026-06-15
   days on market $5,000 Active 61 DOM
6. 2026-06-14
   days on market $5,000 Active 59 DOM
7. 2026-06-12
   days on market $5,000 Active 58 DOM
8. 2026-06-09
   days on market $5,000 Active 55 DOM
9. 2026-06-08
   days on market $5,000 Active 54 DOM
10. 2026-06-07
    days on market $5,000 Active 53 DOM
11. 2026-06-05
    days on market $5,000 Active 50 DOM
12. 2026-06-03
    days on market $5,000 Active 49 DOM
13. 2026-06-02
    days on market $5,000 Active 48 DOM
14. 2026-06-01
    days on market $5,000 Active 47 DOM
15. 2026-05-31
    days on market $5,000 Active 46 DOM
16. 2026-05-30
    days on market $5,000 Active 45 DOM
17. 2026-04-15
    listed $5,000 Active 1145-char remark

    Show marketing remark (1145 chars)

    Escape to the Private Quarters Club at Porto Cima, where you can enjoy the benefits of a second home without the burden of maintenance. Located on the stunning Shawnee Bend peninsula of the Lake of the Ozarks, this exclusive residence offers deeded ownership (fee simple) with 21 annual days of use. This fully furnished, 1,750 sq. ft. residence is situated directly on the 18th hole of the Jack Nicklaus-signature golf course. The interior boasts 2 master bedrooms, 2 baths, hardwood floors, leather living room furnishings, and Jacuzzi tubs. Relax on your outdoor deck with a golf course view! When "in residence, " you, your spouse, and children under 23 enjoy cart-fee-only golf on a course ranked by Golf Digest as one of the nation’s top private courses. You also gain access to the 17,000 sq. ft. clubhouse, fitness facilities, and the Yacht Club, which features a swimming pool, tennis courts, and a full-service marina. Experience true concierge living with pre-arrival services including villa stocking and tee time reservations. Plus, expand your horizons with affiliation to Elite Alliance locations around the world.

ⓘ 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 5/10 Major 7 d/yr ≥107°F today · 19 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: $32,400
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$2,592
• − Management: −$2,592
• − HOA: −$2,928
• − Depreciation: −$145
• Taxable income: $23,762
• Est. tax owed @ 24.0%: −$5,703
• After-tax cash flow: $16,550/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: Camdenton R-III
• NCES district ID: 2906990
• Math proficiency: 46% ▲ 10.00%
• Reading proficiency: 48% ▲ 1.00%
• Median HH income: $46,496
• Composite: 39.96/100
• National rank: #3838
• State rank: #68 of 324 in MO

Livability — Lake Ozark

• Score: 65/100
• State rank: #283
• US rank: #13152

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,240

Population outlook (Camden County) Hauer SSP2

• Today (2025): 44,585 people
• By 2030: 44,476 · -0.2%
• By 2040: 43,513 · -2.4%
• By 2050: 41,705 · -6.5%
• By 2075: 36,903 · -17.2%
• By 2100: 30,164 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 2%
• Common ancestry: Slovak 5% Lithuanian 4% Romanian 3%
• Foreign-born: 1%
• Languages at home: 96% English-only · Spanish 1% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Camden

• 2024 margin: Solid R (+54.3) · D 22.4% · R 76.7%
• 2008→2024 swing: -25.8pp toward R · 2008: -28.5pp · 2024: -54.3pp
• All cycles: 2024: R+54.3 2020: R+53.2 2016: R+54.2 2012: R+39.3 2008: R+28.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -48.58%
• Current HPI: 173.0265
• 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

1 event — show timeline

• 2026-04-15 Listed $5,000 LOBR