4306 W 27th Pl · Joplin, MO 64804

$230,000

4 bd · 2.0 ba · 1,450 sqft · Other · 59 Days on market

Built 2001 10,000 sqft lot $159/sqft · 16% below area Est $274k · 16% under

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Why this score? — see what drove the C- 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 +14.7/15.0
• Cash flow +14.3/30.0
• Rent growth +5.0/5.0
• DSCR +4.4/10.0
• Schools +4.1/10.0
• Livability +3.2/5.0
• 1% rule +2.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Well-maintained 4-bedroom, 2-bath home offering approximately 1,450 square feet of living space. This property features a functional layout with comfortable living areas and a spacious yard, ideal for outdoor activities, entertaining, or pets. Conveniently located with easy access to local amenities, shopping, and dining.

Key facts

• Spacious yard
• Functional layout
• 0.23 acre lot

Tags

• FUNCTIONAL LAYOUT
• COMFORTABLE LIVING AREAS
• SPACIOUS YARD
• EASY ACCESS TO LOCAL AMENITIES

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath other listed at $230k.

Deal economics

• At list price, monthly cash flow is $43 ($512/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 $180k (21.5% below list).
• Recommended offer: $180k (21.5% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 5.1% in Joplin — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 64/100 on livability (#318 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, crime F, amenities F.
• Carl Junction R-I (suburban): math 42% / reading 53% proficiency, ranked #57 of 324 in MO (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+15.7%/yr); 353 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 602 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).
• This rent runs 35% of the median local income ($63k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 59 days — a 3% lower offer ($223k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 8y 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

• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,449 (21.5% below list)

Questions for the listing agent

1. It's been on market 59 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 0.78% ✗
• Cap rate: 6.52%
• Cash-on-cash: 0.79%
• DSCR: 1.04
• GRM: 10.6

CMA / ARV

• ARV (median comp): $274,087
• List price: $230,000
• Delta: -16.08%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -10.3%
• Equity multiple: 0.61×
• Total profit: $-25,118
• Equity at exit: $34,294

10-year hold

• IRR: 4.4%
• Equity multiple: 1.38×
• Total profit: $24,623
• Equity at exit: $19,886

Cash invested: $64,400 (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 64804

• Rents YoY: 15.7%
• Active inventory: 353
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $1,804 medium
• Mortgage (P&I): −$1,206
• Tax from tax record: −$81 /mo · $971/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $43

Break-even live

Break-even rent $1,751

Max offer price $230,000

Occupancy floor 93%

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: $57,500
• Closing costs: $6,900
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3314 Claire Danielle Joplin, MO	4.0	2.0	1474	$2,095	$1.42	21d	1	0.98mi

Listing history 29 events

1. 2026-06-19
   days on market $230,000 Active 59 DOM
2. 2026-06-18
   days on market $230,000 Active 58 DOM
3. 2026-06-17
   days on market $230,000 Active 57 DOM
4. 2026-06-16
   days on market $230,000 Active 56 DOM
5. 2026-06-15
   days on market $230,000 Active 55 DOM
6. 2026-06-14
   days on market $230,000 Active 53 DOM
7. 2026-06-13
   days on market $230,000 Active 52 DOM
8. 2026-06-10
   days on market $230,000 Active 50 DOM
9. 2026-06-09
   days on market $230,000 Active 49 DOM
10. 2026-06-08
    days on market $230,000 Active 48 DOM
11. 2026-06-07
    days on market $230,000 Active 47 DOM
12. 2026-06-03
    days on market $230,000 Active 43 DOM
13. 2026-06-02
    days on market $230,000 Active 42 DOM
14. 2026-06-01
    days on market $230,000 Active 41 DOM
15. 2026-05-31
    days on market $230,000 Active 40 DOM
16. 2026-05-30
    days on market $230,000 Active 39 DOM
17. 2026-04-20
    listed $230,000 Active 323-char remark

    Show marketing remark (323 chars)

    Well-maintained 4-bedroom, 2-bath home offering approximately 1,450 square feet of living space. This property features a functional layout with comfortable living areas and a spacious yard, ideal for outdoor activities, entertaining, or pets. Conveniently located with easy access to local amenities, shopping, and dining.

18. 2024-11-17
    historical $1,700
19. 2024-11-12
    listed $1,700
20. 2022-10-31
    soldstatus
21. 2022-10-27
    soldstatus Closed 211-char remark

    Show marketing remark (211 chars)

    Amazing property in Carl Junction schools with solar panels! Get your new home with the lowest utilities possible! This home has a new roof, updated floors, 4 bedrooms and a large yard! Call today for a showing!

22. 2022-09-30
    status Pending 211-char remark

    Show marketing remark (211 chars)

    Amazing property in Carl Junction schools with solar panels! Get your new home with the lowest utilities possible! This home has a new roof, updated floors, 4 bedrooms and a large yard! Call today for a showing!

23. 2022-09-23
    listed $220,000 Active 211-char remark

    Show marketing remark (211 chars)

    Amazing property in Carl Junction schools with solar panels! Get your new home with the lowest utilities possible! This home has a new roof, updated floors, 4 bedrooms and a large yard! Call today for a showing!

24. 2018-06-01
    soldstatus
25. 2018-06-01
    soldstatus
26. 2018-06-01
    soldstatus
27. 2018-03-02
    listed $129,950
28. 2018-03-02
    listed $129,950
29. 2004-04-08
    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: $971 · $81/mo
• Projected year-2 tax: $2,231 · $186/mo
• Expected delta: +$1,260/yr (+$105/mo · 129.7%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,654
• − Mortgage interest: −$12,884
• − Property taxes: −$971
• − Insurance: −$1,150
• − Repairs & maintenance: −$1,732
• − Management: −$1,732
• − Depreciation: −$6,691
• Taxable loss: −$3,506
• Est. tax savings @ 24.0%: +$842
• After-tax cash flow: $1,353/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: Carl Junction R-I
• NCES district ID: 2907350
• Math proficiency: 42% ▲ 1.00%
• Reading proficiency: 53% ▬ 0.00%
• Median HH income: $53,866
• Composite: 41.04/100
• National rank: #3580
• State rank: #57 of 324 in MO

Livability — Joplin

• Score: 64/100
• State rank: #318
• US rank: #14578

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Joplin, MO
• County: Newton County · 37,016 people
• City population: 73,303
• Metro: Joplin, MO
• Population (ZIP): 37,016
• Household income: $62,574
• Rent vs Own: 32.6% rent · 67.4% own
• Severe rent burden: 1082.0

Population outlook (Jasper County) Hauer SSP2

• Today (2025): 120,033 people
• By 2030: 120,091 · +0.0%
• By 2040: 119,297 · -0.6%
• By 2050: 117,705 · -1.9%
• By 2075: 110,402 · -8.0%
• By 2100: 99,719 · -16.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Two or more races 9% Hispanic / Latino 6% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 2%
• Foreign-born: 3% · Canada, Vietnam
• Languages at home: 96% English-only · Spanish 1% Other Indo-European 1% Vietnamese 1%

Political lean MEDSL · Jasper

• 2024 margin: Solid R (+46.8) · D 25.9% · R 72.7% · Other 1.4%
• 2008→2024 swing: -13.6pp toward R · 2008: -33.2pp · 2024: -46.8pp
• All cycles: 2024: R+46.8 2020: R+46.2 2016: R+50.8 2012: R+41.0 2008: R+33.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -204.80%
• Current HPI: 279.4471
• Rent YoY: ▲ 15.66%
• Metro: Joplin, 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

+77.0% since first listed

13 events — show timeline

• 2026-04-20 Listed $230,000 OGAR
• 2024-11-17 Rental Removed $1,700 APPFOLIO
• 2024-11-12 Listed for Rent $1,700 APPFOLIO
• 2022-10-31 Sold (Public Records) — Public Records
• 2022-10-27 Sold (MLS) — OGAR
• 2022-09-30 Pending — OGAR
• 2022-09-23 Listed $220,000 OGAR
• 2018-06-01 Sold (Public Records) — Public Records
• 2018-06-01 Sold (MLS) — SOMO
• 2018-06-01 Sold (MLS) — OGAR
• 2018-03-02 Listed $129,950 SOMO
• 2018-03-02 Listed $129,950 OGAR
• 2004-04-08 Sold (Public Records) — Public Records

Property tax history

+1.3%/yr

Latest (2025): $971 · +12.0% YoY. Source: county tax records.