1608 Sidney St · Malden, MO 63863

$129,900

3 bd · 2.0 ba · 1,176 sqft · Other public records · 37 Days on market

Built 1977

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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).

• Cash flow +17.6/30.0
• ARV discount +7.5/15.0
• Appreciation +6.6/10.0
• DSCR +5.5/10.0
• 1% rule +3.6/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0

Listing remarks MLS

Motived Seller, Price Reduced!! Well maintained home located in a family friendly neighborhood. This 3-bedroom 1.5-bathroom home has recently had a brand-new central heat & air unit installed. Has updated vinyl windows, freshly painted eat-in kitchen, laundry unit in main bathroom, Living room, and bonus room with hot tub included! This house, with your personal touched, will make a great first home! Ask me about 100% financing options! Lot size 87.5'x170' MLS1915

Key facts

• Irrigated lawn
• Updated windows
• New light fixtures

Tags

• CENTRAL HEAT AND AIR UNIT
• UPDATED WINDOWS
• NEW LIGHT FIXTURES
• IRRIGATED LAWN

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $130k.

Deal economics

• At list price, monthly cash flow is $103 ($1k/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 $111k (14.5% below list).
• Recommended offer: $111k (14.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#572 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: health & safety C-, schools F, crime F.
• Malden R-I (town): math 19% / reading 31% proficiency, ranked #294 of 324 in MO (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 63% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 35 active listings in the ZIP; 30 units permitted in Dunklin County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($898 loan paydown + $4k appreciation (3.3% local appreciation)).
• Dunklin County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (3.3% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y 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 $111,096 (14.5% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. Built in 1977 — 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 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?
5. 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?
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: 0.86% ✗
• Cap rate: 7.25%
• Cash-on-cash: 3.40%
• DSCR: 1.15
• GRM: 9.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

3.26% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 11.3%
• Equity multiple: 1.66×
• Total profit: $23,945
• Equity at exit: $60,307

10-year hold

• IRR: 13.3%
• Equity multiple: 3.03×
• Total profit: $73,784
• Equity at exit: $94,444

Cash invested: $36,372 (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 63863

• Home prices YoY: 2.9%
• Active inventory: 35
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,111 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$39 /mo · $470/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$233
• Net cashflow: $103

Break-even live

Break-even rent $980

Max offer price $129,900

Occupancy floor 86%

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $129,900 Active 37 DOM
2. 2026-06-17
   days on market $129,900 Active 36 DOM
3. 2026-06-17
   price $129,900 Active 35 DOM
4. 2026-06-16
   days on market $134,500 Active 35 DOM
5. 2026-06-15
   days on market $134,500 Active 34 DOM
6. 2026-06-13
   days on market $134,500 Active 32 DOM
7. 2026-06-12
   days on market $134,500 Active 31 DOM
8. 2026-06-09
   days on market $134,500 Active 28 DOM
9. 2026-06-08
   days on market $134,500 Active 27 DOM
10. 2026-06-07
    days on market $134,500 Active 26 DOM
11. 2026-06-07
    days on market $134,500 Active 25 DOM
12. 2026-06-04
    days on market $134,500 Active 22 DOM
13. 2026-06-02
    days on market $134,500 Active 21 DOM
14. 2026-06-01
    days on market $134,500 Active 20 DOM
15. 2026-05-31
    days on market $134,500 Active 19 DOM
16. 2026-05-12
    listed $134,500 Active 346-char remark
17. 2023-01-06
    soldstatus Closed 472-char remark

    Show marketing remark (472 chars)

    Motived Seller, Price Reduced!! Well maintained home located in a family friendly neighborhood. This 3-bedroom 1.5-bathroom home has recently had a brand-new central heat & air unit installed. Has updated vinyl windows, freshly painted eat-in kitchen, laundry unit in main bathroom, Living room, and bonus room with hot tub included! This house, with your personal touched, will make a great first home! Ask me about 100% financing options! Lot size 87.5'x170' MLS1915

18. 2022-12-21
    status Pending 472-char remark

    Show marketing remark (472 chars)

    Motived Seller, Price Reduced!! Well maintained home located in a family friendly neighborhood. This 3-bedroom 1.5-bathroom home has recently had a brand-new central heat & air unit installed. Has updated vinyl windows, freshly painted eat-in kitchen, laundry unit in main bathroom, Living room, and bonus room with hot tub included! This house, with your personal touched, will make a great first home! Ask me about 100% financing options! Lot size 87.5'x170' MLS1915

19. 2022-12-01
    historical Active Under Contract 472-char remark

    Show marketing remark (472 chars)

    Motived Seller, Price Reduced!! Well maintained home located in a family friendly neighborhood. This 3-bedroom 1.5-bathroom home has recently had a brand-new central heat & air unit installed. Has updated vinyl windows, freshly painted eat-in kitchen, laundry unit in main bathroom, Living room, and bonus room with hot tub included! This house, with your personal touched, will make a great first home! Ask me about 100% financing options! Lot size 87.5'x170' MLS1915

20. 2022-11-18
    price $100,000 472-char remark

    Show marketing remark (472 chars)

    Motived Seller, Price Reduced!! Well maintained home located in a family friendly neighborhood. This 3-bedroom 1.5-bathroom home has recently had a brand-new central heat & air unit installed. Has updated vinyl windows, freshly painted eat-in kitchen, laundry unit in main bathroom, Living room, and bonus room with hot tub included! This house, with your personal touched, will make a great first home! Ask me about 100% financing options! Lot size 87.5'x170' MLS1915

21. 2022-10-25
    listed $105,000 Active 472-char remark

    Show marketing remark (472 chars)

    Motived Seller, Price Reduced!! Well maintained home located in a family friendly neighborhood. This 3-bedroom 1.5-bathroom home has recently had a brand-new central heat & air unit installed. Has updated vinyl windows, freshly painted eat-in kitchen, laundry unit in main bathroom, Living room, and bonus room with hot tub included! This house, with your personal touched, will make a great first home! Ask me about 100% financing options! Lot size 87.5'x170' MLS1915

22. 1997-12-02
    soldstatus
23. 1991-03-01
    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: $470 · $39/mo
• Projected year-2 tax: $1,260 · $105/mo
• Expected delta: +$790/yr (+$66/mo · 168.2%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥110°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 7% 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: $13,332
• − Mortgage interest: −$7,276
• − Property taxes: −$470
• − Insurance: −$650
• − Repairs & maintenance: −$1,067
• − Management: −$1,067
• − Depreciation: −$3,779
• Taxable loss: −$976
• Est. tax savings @ 24.0%: +$234
• After-tax cash flow: $1,472/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: Malden R-I
• NCES district ID: 2919890
• Math proficiency: 19% ▼ -13.00%
• Reading proficiency: 31% ▼ -3.00%
• Median HH income: $29,537
• Composite: 20.06/100
• National rank: #8656
• State rank: #294 of 324 in MO

Livability — Malden

• Score: 59/100
• State rank: #572
• US rank: #20610

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Malden, MO
• City population: 5,348
• Population (ZIP): 5,348

Population outlook (Dunklin County) Hauer SSP2

• Today (2025): 28,599 people
• By 2030: 27,230 · -4.8%
• By 2040: 24,696 · -13.6%
• By 2050: 22,402 · -21.7%
• By 2075: 17,776 · -37.8%
• By 2100: 13,890 · -51.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Black 11% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 3% Slovak 2% Serbian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 3% Other Indo-European 1%

Political lean MEDSL · Dunklin

• 2024 margin: Solid R (+61.8) · D 18.8% · R 80.5%
• 2008→2024 swing: -40.5pp toward R · 2008: -21.3pp · 2024: -61.8pp
• All cycles: 2024: R+61.8 2020: R+57.0 2016: R+53.6 2012: R+30.2 2008: R+21.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.26%
• Current HPI: 116.067
• 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

+23.7% since first listed

9 events — show timeline

• 2026-06-16 Price Changed $129,900 FSBO.com
• 2026-05-12 Listed $134,500 FSBO.com
• 2023-01-06 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2022-12-21 Pending — MARIS as Distributed by MLS Grid
• 2022-12-01 Contingent — MARIS as Distributed by MLS Grid
• 2022-11-18 Price Changed $100,000 MARIS as Distributed by MLS Grid
• 2022-10-25 Listed $105,000 MARIS as Distributed by MLS Grid
• 1997-12-02 Sold (Public Records) — Public Records
• 1991-03-01 Sold (Public Records) — Public Records

Property tax history

+1.6%/yr

Latest (2025): $470 · +2.4% YoY. Source: county tax records.