2109 S Country Club Dr · Jefferson City, MO 65109

$189,900

3 bd · 1.0 ba · 1,460 sqft · SingleFamily public records · 31 Days on market

Built 1955 0.57 ac lot Est $232k · 18% under

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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).

• ARV discount +15.0/15.0
• Cash flow +12.5/30.0
• Rent growth +5.0/5.0
• Livability +4.2/5.0
• DSCR +3.7/10.0
• Schools +3.5/10.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 4-bedroom, 1-bath home located on S Country Club Dr in Jefferson City! This property features hard surface flooring throughout, a functional layout, and a spacious fenced-in yard--perfect for pets, play, or entertaining. Conveniently situated near local amenities, shopping, and schools. Whether you're a first-time homebuyer or an investor looking to expand your portfolio, this home offers great potential and value. Don't miss your opportunity to make it your own!

Key facts

• Shopping
• Functional layout
• Local amenities

Tags

• HARD SURFACE FLOORING
• FUNCTIONAL LAYOUT
• SPACIOUS FENCED-IN YARD
• LOCAL AMENITIES
• SHOPPING
• SCHOOLS

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water
• Home design: Residential single-family home
• Construction: Crawl space foundation
• Exterior features: Deck; Rear porch; Chain link fence enclosing backyard; Full fenced yard

Interior

• Kitchen: Pantry (kitchen storage)
• Bedrooms: Total rooms: 8
• Flooring: Wood flooring; Laminate flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (electric); Central air conditioning
• Interior features: Walk-in closet(s); Pantry; Living room gas fireplace

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $-28 ($-330/yr) — negative.
• To cash-flow at today's rent, offer at most $185k (2.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $142k (25.5% below list).
• Recommended offer: $142k (25.5% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.7% in Jefferson City — 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 83/100 on livability (#7 in MO, #838 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-.
• Jefferson City (urban): math 34% / reading 48% proficiency, ranked #121 of 324 in MO (top 37%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Clarence Lawson Elem. (math 43% / reading 52%, grade D, #342 of 1,115 statewide, top 31%, 419 students, 53% FRL); Thomas Jefferson Middle (math 33% / reading 44%, grade F, #202 of 391 statewide, top 54%, 957 students, 52% FRL); Capital City High School (math 45% / reading 67%, grade C, #59 of 521 statewide, top 11%, 1,404 students, 41% FRL) — zoned schools at 49% FRL track the district average.
• Market conditions: Rents rising fast (+10.2%/yr); 248 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 173 units permitted in Cole 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 $6k of value loss. Plan a longer hold.
• Cole County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 7y 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: built in 1955 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $141,508 (25.5% 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. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.75% ✗
• Cap rate: 6.12%
• Cash-on-cash: -0.62%
• DSCR: 0.97
• GRM: 11.2

CMA / ARV

• ARV (on-the-fly): $232,140
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2224 S Country Club Dr	0.16mi	3/1.5	1,632 (+12%)	4mo	$235,000	$144	68
4801 Carly Dr	0.16mi	3/2.0	1,588 (+9%)	21mo	$304,900	$192	57
1616 Westview Dr	0.73mi	3/1.0	1,362 (-7%)	8mo	$179,000	$131	49
1824 London Way	0.45mi	3/2.5	1,646 (+13%)	14mo	$262,500	$159	40

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -12.6%
• Equity multiple: 0.53×
• Total profit: $-25,129
• Equity at exit: $28,315

10-year hold

• IRR: 2.1%
• Equity multiple: 1.18×
• Total profit: $9,567
• Equity at exit: $16,419

Cash invested: $53,172 (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 65109

• Home prices YoY: -29.2%
• Rents YoY: 10.2%
• Active inventory: 248
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $1,415 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$70 /mo · $846/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$297
• Net cashflow: $-28

Break-even live

Break-even rent $1,450

Max offer price $185,035

Occupancy floor 97%

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5428 Bagnall Dr Jefferson City, MO	3.0	2.0	1394	$1,525	$1.09	43d	1	1.01mi
1043 Emily Ln Unit 1045 Jefferson City, MO	3.0	2.0	1450	$1,350	$0.93	21d	1	1.43mi

Listing history 30 events

1. 2026-06-17
   statusdays on market $189,900 Pending 31 DOM
2. 2026-06-16
   days on market $189,900 Active 30 DOM
3. 2026-06-15
   days on market $189,900 Active 29 DOM
4. 2026-06-14
   days on market $189,900 Active 27 DOM
5. 2026-06-13
   days on market $189,900 Active 26 DOM
6. 2026-06-10
   days on market $189,900 Active 24 DOM
7. 2026-06-09
   days on market $189,900 Active 23 DOM
8. 2026-06-08
   days on market $189,900 Active 22 DOM
9. 2026-06-07
   days on market $189,900 Active 21 DOM
10. 2026-06-05
    days on market $189,900 Active 18 DOM
11. 2026-06-03
    days on market $189,900 Active 17 DOM
12. 2026-06-02
    days on market $189,900 Active 16 DOM
13. 2026-06-01
    days on market $189,900 Active 15 DOM
14. 2026-05-31
    days on market $189,900 Active 14 DOM
15. 2026-05-30
    days on market $189,900 Active 13 DOM
16. 2026-05-20
    status Active 476-char remark

    Show marketing remark (476 chars)

    Charming 4-bedroom, 1-bath home located on S Country Club Dr in Jefferson City! This property features hard surface flooring throughout, a functional layout, and a spacious fenced-in yard--perfect for pets, play, or entertaining. Conveniently situated near local amenities, shopping, and schools. Whether you're a first-time homebuyer or an investor looking to expand your portfolio, this home offers great potential and value. Don't miss your opportunity to make it your own!

17. 2026-05-20
    status Active

    Show marketing remark (476 chars)

    Charming 4-bedroom, 1-bath home located on S Country Club Dr in Jefferson City! This property features hard surface flooring throughout, a functional layout, and a spacious fenced-in yard--perfect for pets, play, or entertaining. Conveniently situated near local amenities, shopping, and schools. Whether you're a first-time homebuyer or an investor looking to expand your portfolio, this home offers great potential and value. Don't miss your opportunity to make it your own!

18. 2026-04-24
    status Pending 476-char remark

    Show marketing remark (476 chars)

    Charming 4-bedroom, 1-bath home located on S Country Club Dr in Jefferson City! This property features hard surface flooring throughout, a functional layout, and a spacious fenced-in yard--perfect for pets, play, or entertaining. Conveniently situated near local amenities, shopping, and schools. Whether you're a first-time homebuyer or an investor looking to expand your portfolio, this home offers great potential and value. Don't miss your opportunity to make it your own!

19. 2026-04-24
    status Pending

    Show marketing remark (476 chars)

    Charming 4-bedroom, 1-bath home located on S Country Club Dr in Jefferson City! This property features hard surface flooring throughout, a functional layout, and a spacious fenced-in yard--perfect for pets, play, or entertaining. Conveniently situated near local amenities, shopping, and schools. Whether you're a first-time homebuyer or an investor looking to expand your portfolio, this home offers great potential and value. Don't miss your opportunity to make it your own!

20. 2026-04-21
    listed $189,900 Active 476-char remark

    Show marketing remark (476 chars)

    Charming 4-bedroom, 1-bath home located on S Country Club Dr in Jefferson City! This property features hard surface flooring throughout, a functional layout, and a spacious fenced-in yard--perfect for pets, play, or entertaining. Conveniently situated near local amenities, shopping, and schools. Whether you're a first-time homebuyer or an investor looking to expand your portfolio, this home offers great potential and value. Don't miss your opportunity to make it your own!

21. 2026-04-21
    listed $189,900 Active

    Show marketing remark (476 chars)

    Charming 4-bedroom, 1-bath home located on S Country Club Dr in Jefferson City! This property features hard surface flooring throughout, a functional layout, and a spacious fenced-in yard--perfect for pets, play, or entertaining. Conveniently situated near local amenities, shopping, and schools. Whether you're a first-time homebuyer or an investor looking to expand your portfolio, this home offers great potential and value. Don't miss your opportunity to make it your own!

22. 2022-12-14
    soldstatus
23. 2022-12-12
    soldstatus Closed 765-char remark

    Show marketing remark (765 chars)

    Welcome into this main living home that sits on over a 1/2 acre lot just outside the city limits. Adorable and affordable help describe this cozy home. Enjoy easy living in this 3 or 4 bedroom ranch style home. Beautiful real hardwood floors throughout most of the home. The corner gas fireplace adds a touch of warmth and elegance. Newer items like HVAC, roof, water heater and a few windows allow you to move right in. The kitchen offers a stainless gas stove complimented by a stylish backsplash and white cabinets. Relax outside amongst the trees in the large peaceful backyard. Close to all amenities like grocery, gas, and the Capital Mall. Seller is offering a 1 year home warranty to help put buyers mind at ease. Call now for a showing of this lovely home.

24. 2022-11-11
    status Pending 765-char remark

    Show marketing remark (765 chars)

    Welcome into this main living home that sits on over a 1/2 acre lot just outside the city limits. Adorable and affordable help describe this cozy home. Enjoy easy living in this 3 or 4 bedroom ranch style home. Beautiful real hardwood floors throughout most of the home. The corner gas fireplace adds a touch of warmth and elegance. Newer items like HVAC, roof, water heater and a few windows allow you to move right in. The kitchen offers a stainless gas stove complimented by a stylish backsplash and white cabinets. Relax outside amongst the trees in the large peaceful backyard. Close to all amenities like grocery, gas, and the Capital Mall. Seller is offering a 1 year home warranty to help put buyers mind at ease. Call now for a showing of this lovely home.

25. 2022-11-08
    status Active 765-char remark

    Show marketing remark (765 chars)

    Welcome into this main living home that sits on over a 1/2 acre lot just outside the city limits. Adorable and affordable help describe this cozy home. Enjoy easy living in this 3 or 4 bedroom ranch style home. Beautiful real hardwood floors throughout most of the home. The corner gas fireplace adds a touch of warmth and elegance. Newer items like HVAC, roof, water heater and a few windows allow you to move right in. The kitchen offers a stainless gas stove complimented by a stylish backsplash and white cabinets. Relax outside amongst the trees in the large peaceful backyard. Close to all amenities like grocery, gas, and the Capital Mall. Seller is offering a 1 year home warranty to help put buyers mind at ease. Call now for a showing of this lovely home.

26. 2022-10-28
    status Pending 765-char remark

    Show marketing remark (765 chars)

    Welcome into this main living home that sits on over a 1/2 acre lot just outside the city limits. Adorable and affordable help describe this cozy home. Enjoy easy living in this 3 or 4 bedroom ranch style home. Beautiful real hardwood floors throughout most of the home. The corner gas fireplace adds a touch of warmth and elegance. Newer items like HVAC, roof, water heater and a few windows allow you to move right in. The kitchen offers a stainless gas stove complimented by a stylish backsplash and white cabinets. Relax outside amongst the trees in the large peaceful backyard. Close to all amenities like grocery, gas, and the Capital Mall. Seller is offering a 1 year home warranty to help put buyers mind at ease. Call now for a showing of this lovely home.

27. 2022-10-24
    listed $140,000 Active 765-char remark

    Show marketing remark (765 chars)

    Welcome into this main living home that sits on over a 1/2 acre lot just outside the city limits. Adorable and affordable help describe this cozy home. Enjoy easy living in this 3 or 4 bedroom ranch style home. Beautiful real hardwood floors throughout most of the home. The corner gas fireplace adds a touch of warmth and elegance. Newer items like HVAC, roof, water heater and a few windows allow you to move right in. The kitchen offers a stainless gas stove complimented by a stylish backsplash and white cabinets. Relax outside amongst the trees in the large peaceful backyard. Close to all amenities like grocery, gas, and the Capital Mall. Seller is offering a 1 year home warranty to help put buyers mind at ease. Call now for a showing of this lovely home.

28. 2019-07-02
    soldstatus
29. 2019-07-01
    soldstatus
30. 2019-04-16
    listed $79,900

ⓘ 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: $846 · $70/mo
• Projected year-2 tax: $1,842 · $154/mo
• Expected delta: +$996/yr (+$83/mo · 117.8%)

ⓘ 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 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,981
• − Mortgage interest: −$10,637
• − Property taxes: −$846
• − Insurance: −$950
• − Repairs & maintenance: −$1,358
• − Management: −$1,358
• − Depreciation: −$5,524
• Taxable loss: −$3,693
• Est. tax savings @ 24.0%: +$886
• After-tax cash flow: $556/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: Jefferson City
• NCES district ID: 2916190
• Math proficiency: 34% ▼ -1.00%
• Reading proficiency: 48% ▲ 5.00%
• Median HH income: $51,903
• Composite: 35.45/100
• National rank: #4930
• State rank: #121 of 324 in MO

Livability — Jefferson City

• Score: 83/100
• State rank: #7
• US rank: #838

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Cole County · 41,145 people
• City population: 41,145
• Metro: Jefferson City, MO
• Population (ZIP): 41,145
• Household income: $74,694
• Rent vs Own: 33.3% rent · 66.7% own
• Severe rent burden: 984.0

Population outlook (Cole County) Hauer SSP2

• Today (2025): 78,107 people
• By 2030: 78,089 · +-0.0%
• By 2040: 76,814 · -1.7%
• By 2050: 74,515 · -4.6%
• By 2075: 67,687 · -13.3%
• By 2100: 55,023 · -29.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 7% Two or more races 5% Hispanic / Latino 4% Asian 3%
• Common ancestry: Lithuanian 3% Italian 2% Slovak 2%
• Foreign-born: 3% · Canada, China
• Languages at home: 95% English-only · Spanish 1% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Cole

• 2024 margin: Solid R (+34.4) · D 32.1% · R 66.5% · Other 1.4%
• 2008→2024 swing: -7.5pp toward R · 2008: -26.9pp · 2024: -34.4pp
• All cycles: 2024: R+34.4 2020: R+33.9 2016: R+36.8 2012: R+33.7 2008: R+26.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -83.14%
• Current HPI: 202.01
• Rent YoY: ▲ 10.19%
• Metro: Jefferson City, 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

+137.7% since first listed

15 events — show timeline

• 2026-05-20 Relisted — JCMLS
• 2026-05-20 Relisted — CBORMLS
• 2026-04-24 Pending — JCMLS
• 2026-04-24 Pending — CBORMLS
• 2026-04-21 Listed $189,900 CBORMLS
• 2026-04-21 Listed $189,900 JCMLS
• 2022-12-14 Sold (Public Records) — Public Records
• 2022-12-12 Sold (MLS) — JCMLS
• 2022-11-11 Pending — JCMLS
• 2022-11-08 Relisted — JCMLS
• 2022-10-28 Pending — JCMLS
• 2022-10-24 Listed $140,000 JCMLS
• 2019-07-02 Sold (Public Records) — Public Records
• 2019-07-01 Sold (MLS) — JCMLS
• 2019-04-16 Listed $79,900 JCMLS

Property tax history

+3.9%/yr

Latest (2025): $846 · +19.7% YoY. Source: county tax records.