618 Taylor St · Moberly, MO 65270

$169,500

2 bd · 1.0 ba · 1,306 sqft · SingleFamily public records · 3 Days on market

Built 1915 0.27 ac lot Est $168k · at est.

---

Why this score? — see what drove the F 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 +8.1/30.0
• ARV discount +7.2/15.0
• Livability +3.9/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.1/10.0
• 1% rule +1.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Room to spread out - inside and out! This 4-bedroom home offers approximately 1,800 sq. ft. of living space on a double lot. The spacious kitchen is sure to be a favorite gathering place with its abundance of cabinetry and generous countertop space. Two large bedrooms are located upstairs, while two additional bedrooms and a full bath are conveniently situated on the main level. The unfinished walk-out basement currently houses the laundry hookups and provides excellent storage here. Looking for main-level laundry? A large walk-in storage area off the kitchen could potentially be transformed in the future into a laundry room and half bath. Outside, you'll find an oversized two-car garage, an office/storage shed, and plenty of additional parking accessible from the alley--perfect for boats, campers, trailers, or other recreational vehicles. The fenced side yard features an above-ground pool, just in time for summer fun and entertaining. This property offers the space, flexibility,

Key facts

• 0.27 acre lot
• 2 garage spots
• Listed 3 days

Property features AI

Exterior

• Parking: Detached paved garage with 2 spaces
• Security: Smoke detector(s)
• Utilities: Public water
• Home design: Single-family residential property
• Construction: Brick/mortar foundation
• Exterior features: Covered patio/porch, deck, and front porch; Privacy wood fencing in the backyard; Metal roof; Paved road access; Lot dimensions approximately 81 x 144 (0.27 acres)

Interior

• Kitchen: Equipped with Refrigerator, Microwave, Electric Range, Disposal, Dishwasher
• Bedrooms: 9 total rooms (bedroom count not specified)
• Flooring: Carpet
• Bathrooms: 1 full bathroom
• Heating & cooling: Central air and window unit(s) for cooling; Natural gas heating with forced air, baseboard, and electric options
• Interior features: Refrigerator, Microwave, Electric Range, Disposal, Dishwasher; Carpet flooring; Basement; Smoke detector(s)
• Laundry & utility: No specific laundry appliances listed

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $-166 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $140k (17.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $109k (35.7% below list).
• Recommended offer: $109k (35.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#32 in MO, #3,045 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, amenities F, commute F.
• Moberly (town): math 30% / reading 36% proficiency, ranked #246 of 324 in MO (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: North Park Elem. (188 students, 69% FRL); Moberly Middle (math 39% / reading 36%, grade F, #215 of 391 statewide, top 56%, 497 students, 59% FRL); Moberly Sr. High (math 2% / reading 52%, grade F, #417 of 521 statewide, top 80%, 691 students, 47% FRL) — zoned schools at 58% FRL track the district average.
• Market conditions: 136 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 25 units permitted in Randolph 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 $5k of value loss. Plan a longer hold.
• Randolph County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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.
• Current owner paid $39k; list at $170k implies a 338% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1915 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $109,000 (35.7% 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. Built in 1915 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.64% ✗
• Cap rate: 5.11%
• Cash-on-cash: -4.21%
• DSCR: 0.81
• GRM: 13.0

CMA / ARV

• ARV (on-the-fly): $168,474
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
321 Farror St	0.24mi	2/1.0	1,294 (-1%)	3mo	$135,000	$104	85
409 Barrow St	0.21mi	3/1.0 (+1)	1,309 (+0%)	3mo	$29,000	$22	82
722 Vincil St	0.12mi	2/1.0	1,178 (-10%)	2mo	$120,000	$102	76
712 Farror St	0.16mi	2/1.0	1,118 (-14%)	3mo	$135,000	$121	66
509 Madison Ave	0.40mi	3/2.0 (+1)	1,216 (-7%)	0mo	$229,000	$188	60
330 Morehead St	0.62mi	2/1.0	1,420 (+9%)	1mo	$50,000	$35	55
717 E Logan St	0.48mi	2/1.0	1,158 (-11%)	4mo	$149,900	$129	55
525 Jefferson Ave	0.54mi	3/2.0 (+1)	1,230 (-6%)	4mo	$179,900	$146	53
1205 Bertley St	0.65mi	3/2.0 (+1)	1,251 (-4%)	2mo	$179,900	$144	52
1101 Stonebridge Ln	0.71mi	3/2.0 (+1)	1,335 (+2%)	5mo	$239,400	$179	50
512 Chandler St	0.65mi	3/2.0 (+1)	1,232 (-6%)	2mo	$169,000	$137	50
310 E Carpenter St	0.71mi	2/1.0	1,148 (-12%)	5mo	$105,000	$91	42

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: -23.5%
• Equity multiple: 0.20×
• Total profit: $-38,142
• Equity at exit: $25,273

10-year hold

• IRR: -18.4%
• Equity multiple: 0.01×
• Total profit: $-47,159
• Equity at exit: $14,655

Cash invested: $47,460 (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 65270

• Home prices YoY: -30.6%
• Active inventory: 136
• Price-to-rent: 13.0×

Monthly cashflow live

• Estimated rent: $1,090 medium
• Mortgage (P&I): −$889
• Tax from tax record: −$68 /mo · $817/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $-166

Break-even live

Break-even rent $1,301

Max offer price $140,090

Occupancy floor —

Sensitivity live

Price	-10% $-71	-5% $-119	+0% $-166	+5% $-214	+10% $-262
Rent	-10% $-253	-5% $-210	+0% $-166	+5% $-123	+10% $-80
Rate	-1.0pp $-81	-0.5pp $-123	base $-166	+0.5pp $-210	+1.0pp $-255

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: $42,375
• Closing costs: $5,085
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
204 Cockrell Dr Moberly, MO	2.0	2.0	1150	$1,090	$0.95	45d	1	1.16mi

Listing history 4 events

1. 2026-06-08
   status $169,500 Pending 3 DOM
2. 2026-06-07
   days on market $169,500 Active 3 DOM
3. 2026-06-07
   remarks 699-char remark
4. 2026-06-07
   listed $169,500 Active 2 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: $817 · $68/mo
• Projected year-2 tax: $1,644 · $137/mo
• Expected delta: +$827/yr (+$69/mo · 101.2%)

ⓘ 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 3/10 Moderate 7 d/yr ≥107°F today · 17 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: $13,080
• − Mortgage interest: −$9,495
• − Property taxes: −$817
• − Insurance: −$848
• − Repairs & maintenance: −$1,046
• − Management: −$1,046
• − Depreciation: −$4,931
• Taxable loss: −$5,103
• Est. tax savings @ 24.0%: +$1,225
• After-tax cash flow: $-773/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: Moberly
• NCES district ID: 2921100
• Math proficiency: 30% ▼ -1.00%
• Reading proficiency: 36% ▼ -3.00%
• Median HH income: $36,160
• Composite: 27.35/100
• National rank: #6984
• State rank: #246 of 324 in MO

Livability — Moberly

• Score: 77/100
• State rank: #32
• US rank: #3045

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moberly, MO
• Population (ZIP): 16,762

Population outlook (Randolph County) Hauer SSP2

• Today (2025): 24,596 people
• By 2030: 24,213 · -1.6%
• By 2040: 23,184 · -5.7%
• By 2050: 22,081 · -10.2%
• By 2075: 18,994 · -22.8%
• By 2100: 15,070 · -38.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 7% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 2% Lithuanian 2% Iranian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Randolph

• 2024 margin: Solid R (+52.2) · D 23.3% · R 75.5% · Other 1.2%
• 2008→2024 swing: -28.9pp toward R · 2008: -23.3pp · 2024: -52.2pp
• All cycles: 2024: R+52.2 2020: R+51.5 2016: R+50.9 2012: R+36.6 2008: R+23.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.15%
• Current HPI: 199.9743
• 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

+533.6% since first listed

8 events — show timeline

• 2026-06-04 Listed $169,500 RCBR
• 2026-06-04 Listed $169,500 CBORMLS
• 1999-06-12 Sold (Public Records) — Public Records
• 1998-04-14 Sold (Public Records) $38,726 Public Records
• 1994-02-24 Sold (Public Records) $30,000 Public Records
• 1989-10-09 Sold (Public Records) — Public Records
• 1989-06-06 Sold (Public Records) — Public Records
• 1986-04-07 Sold (Public Records) $26,750 Public Records

Property tax history

+3.4%/yr

Latest (2025): $817 · +9.7% YoY. Source: county tax records.