912 Bond St · Moberly, MO 65270

$20,000

2 bd · 1.0 ba · 1,312 sqft · SingleFamily public records · 35 Days on market

Built 1925 6,500 sqft lot $15/sqft · 83% below area

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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
• Livability +3.9/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This 2-bedroom, 1-bath home in Moberly is a true fixer-upper with potential for the right buyer. The property will require extensive repairs and renovations and is best suited for investors, flippers, or buyers looking for a rehab project. Opportunity to reimagine the space and add value. Property is being sold AS-IS, cash only.

Key facts

• 6,500 sq ft lot
• Listed 34 days

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water
• Home design: Single family residence; Residential property
• Exterior features: Paved road access; Lot approximately 50 x 130

Interior

• Bathrooms: 1 full bathroom
• Interior features: Crawl space basement; Total of 1 room

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $20k.

Deal economics

• At list price, monthly cash flow is $722 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $20k).
• Recommended offer: $19k (3.0% below list) — sets the bar for market timing.
• Cap rate 49.6% vs local median 4.5% in Moberly — 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 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: South Park Elem. (230 students, 65% 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 57% FRL track the district average.
• Market conditions: 134 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 $138 of loan paydown is wiped out by about $600 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $6k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($19k) is reasonable based on typical stale-listing flexibility.
• 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 $15k; 33% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $19,400 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — 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: 5.45% ✓
• Cap rate: 49.62%
• Cash-on-cash: 154.76%
• DSCR: 7.89
• GRM: 1.5

CMA / ARV

• ARV (median comp): $116,466
• List price: $20,000
• Delta: -82.83%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1107 Bond St	0.24mi	3/2.0 (+1)	1,302 (-1%)	10mo	$139,900	$107	70
1003 Bond St	0.06mi	2/1.0	1,168 (-11%)	11mo	$35,000	$30	70
1201 Bond St	0.31mi	2/1.0	1,210 (-8%)	6mo	$120,000	$99	68
815 Myra St	0.19mi	3/2.0 (+1)	1,248 (-5%)	8mo	$197,500	$158	67
620 Burkholder St	0.18mi	2/1.0	1,150 (-12%)	6mo	$159,500	$139	66
1223 Henry St	0.34mi	3/2.0 (+1)	1,350 (+3%)	7mo	$179,900	$133	64
1414 Buchanan St	0.52mi	3/1.5 (+1)	1,254 (-4%)	3mo	$179,900	$143	59
1524 Myra St	0.55mi	2/1.0	1,192 (-9%)	6mo	$128,500	$108	54
837 Myra St	0.17mi	3/2.0 (+1)	1,130 (-14%)	7mo	$149,500	$132	54
1126 Fisk Ave	0.58mi	2/2.0	1,219 (-7%)	5mo	$135,000	$111	53
407 Epperson St	0.69mi	3/2.0 (+1)	1,239 (-6%)	5mo	$190,000	$153	45
529 W Logan St	0.59mi	3/1.0 (+1)	1,450 (+10%)	7mo	$154,900	$107	44

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: —
• Equity multiple: 8.64×
• Total profit: $42,773
• Equity at exit: $2,982

10-year hold

• IRR: —
• Equity multiple: 18.24×
• Total profit: $96,543
• Equity at exit: $1,729

Cash invested: $5,600 (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: 134
• Price-to-rent: 1.5×

Monthly cashflow live

• Estimated rent: $1,090 medium
• Mortgage (P&I): −$105
• Tax from tax record: −$26 /mo · $308/yr
• Insurance: −$8
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $722

Break-even live

Break-even rent $176

Max offer price $20,000

Occupancy floor 29%

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: $5,000
• Closing costs: $600
• 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	43d	1	1.23mi

Listing history 20 events

1. 2026-06-18
   days on market $20,000 Active 35 DOM
2. 2026-06-17
   days on market $20,000 Active 34 DOM
3. 2026-06-16
   days on market $20,000 Active 33 DOM
4. 2026-06-15
   days on market $20,000 Active 32 DOM
5. 2026-06-13
   days on market $20,000 Active 30 DOM
6. 2026-06-12
   days on market $20,000 Active 29 DOM
7. 2026-06-09
   days on market $20,000 Active 26 DOM
8. 2026-06-08
   days on market $20,000 Active 25 DOM
9. 2026-06-07
   days on market $20,000 Active 24 DOM
10. 2026-06-07
    days on market $20,000 Active 23 DOM
11. 2026-06-04
    days on market $20,000 Active 20 DOM
12. 2026-06-02
    days on market $20,000 Active 19 DOM
13. 2026-06-01
    days on market $20,000 Active 18 DOM
14. 2026-05-31
    days on market $20,000 Active 17 DOM
15. 2026-05-10
    listed $20,000 Active 330-char remark
16. 2026-05-10
    listed $20,000 Active
17. 2022-04-20
    soldstatus $15,000
18. 1996-09-18
    soldstatus
19. 1993-06-15
    soldstatus
20. 1986-09-12
    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: $308 · $26/mo
• Projected year-2 tax: $308 · $26/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 ≥106°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: −$1,120
• − Property taxes: −$308
• − Insurance: −$100
• − Repairs & maintenance: −$1,046
• − Management: −$1,046
• − Depreciation: −$582
• Taxable income: $8,877
• Est. tax owed @ 24.0%: −$2,130
• After-tax cash flow: $6,536/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

+33.3% since first listed

6 events — show timeline

• 2026-05-10 Listed $20,000 HMMLS
• 2026-05-10 Listed $20,000 CBORMLS
• 2022-04-20 Sold (Public Records) $15,000 Public Records
• 1996-09-18 Sold (Public Records) — Public Records
• 1993-06-15 Sold (Public Records) — Public Records
• 1986-09-12 Sold (Public Records) — Public Records

Property tax history

+5.2%/yr

Latest (2025): $308 · +32.7% YoY. Source: county tax records.