200 E Maple St · Curryville, MO 63339

$78,500

2 bd · 1.0 ba · 864 sqft · Other · 50 Days on market

Built 1940 Fair condition 9,801 sqft lot $91/sqft · 46% below area Est $145k · 46% under ↓ 3% since listing

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Why this score? — see what drove the B- 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 +22.4/30.0
• ARV discount +15.0/15.0
• DSCR +7.2/10.0
• Appreciation +6.5/10.0
• 1% rule +5.9/10.0
• Schools +3.4/10.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

If Affordable is what you need here's the house for you. This 2 Bedroom 1 Bath 864 sq ft Cinderblock Cottage Style house has a Metal Roof: new windows and new Furnace and sits on a corner double lot in a quiet neighborhood.

Key facts

• Corner double lot
• New furnace
• Metal roof

Tags

• CINDERBLOCK COTTAGE STYLE
• METAL ROOF
• NEW WINDOWS
• NEW FURNACE
• CORNER DOUBLE LOT
• QUIET NEIGHBORHOOD

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $78k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $131 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($852 rent vs $78k).
• Recommended offer: $76k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 52/100 on livability (#852 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, crime A; Watch: schools F, amenities F, commute F.
• Bowling Green R-I (town): math 31% / reading 49% proficiency, ranked #146 of 324 in MO (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 3 active listings in the ZIP; 38 units permitted in Pike County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($543 loan paydown + $2k appreciation (3.0% local appreciation)).
• Pike County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 50 days — a 3% lower offer ($76k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $76,145 (3.0% below list)

Questions for the listing agent

1. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1940 — 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 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?
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: 1.09% ✓
• Cap rate: 8.29%
• Cash-on-cash: 7.14%
• DSCR: 1.32
• GRM: 7.7

CMA / ARV

• ARV (median comp): $144,921
• List price: $78,500
• Delta: -45.83%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 14.2%
• Equity multiple: 1.81×
• Total profit: $17,813
• Equity at exit: $35,308

10-year hold

• IRR: 16.0%
• Equity multiple: 3.35×
• Total profit: $51,751
• Equity at exit: $54,422

Cash invested: $21,980 (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 63339

• Home prices YoY: 2.4%
• Active inventory: 3
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $852 medium
• Mortgage (P&I): −$412
• Tax est. 1.5%: −$98 /mo · $1,178/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$179
• Net cashflow: $131

Break-even live

Break-even rent $687

Max offer price $78,500

Occupancy floor 80%

Sensitivity live

Price	-10% $185	-5% $158	+0% $131	+5% $104	+10% $77
Rent	-10% $64	-5% $97	+0% $131	+5% $165	+10% $198
Rate	-1.0pp $170	-0.5pp $151	base $131	+0.5pp $111	+1.0pp $90

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: $19,625
• Closing costs: $2,355
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-06-12
   statusdays on market $78,500 Pending 50 DOM
2. 2026-06-09
   days on market $78,500 Active 48 DOM
3. 2026-06-08
   days on market $78,500 Active 47 DOM
4. 2026-06-07
   days on market $78,500 Active 46 DOM
5. 2026-06-07
   days on market $78,500 Active 45 DOM
6. 2026-06-04
   days on market $78,500 Active 42 DOM
7. 2026-06-02
   days on market $78,500 Active 41 DOM
8. 2026-06-01
   days on market $78,500 Active 40 DOM
9. 2026-05-31
   days on market $78,500 Active 39 DOM
10. 2026-05-04
    price $79,900 223-char remark

    Show marketing remark (223 chars)

    If Affordable is what you need here's the house for you. This 2 Bedroom 1 Bath 864 sq ft Cinderblock Cottage Style house has a Metal Roof: new windows and new Furnace and sits on a corner double lot in a quiet neighborhood.

11. 2026-04-22
    listed $82,500 Active 223-char remark

    Show marketing remark (223 chars)

    If Affordable is what you need here's the house for you. This 2 Bedroom 1 Bath 864 sq ft Cinderblock Cottage Style house has a Metal Roof: new windows and new Furnace and sits on a corner double lot in a quiet neighborhood.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $10,228
• − Mortgage interest: −$4,397
• − Property taxes: −$1,178
• − Insurance: −$392
• − Repairs & maintenance: −$818
• − Management: −$818
• − Depreciation: −$2,284
• Taxable income: $341
• Est. tax owed @ 24.0%: −$82
• After-tax cash flow: $1,488/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

This 2-bedroom, 1-bath home requires moderate renovations to improve its exterior and interior condition, with a focus on painting and flooring updates. These improvements will significantly enhance its resale and rental value.

Repairs flagged

• Major exterior siding — Significant weathering and cracking
• Minor kitchen flooring — Some wear, but not severe enough to replace
• Minor bathroom flooring — Some wear, but not severe enough to replace
• Minor interior walls — Peeling paint, touch-up needed

Value-add opportunities

• Resale Paint exterior siding — Fresh paint can significantly improve curb appeal and home value
• Both Replace kitchen flooring — New flooring in the kitchen can improve both resale and rental value
• Both Replace bathroom flooring — Fresh flooring in the bathroom can improve both resale and rental value
• Both Paint interior walls — Fresh paint can improve the overall look and feel of the home, enhancing both resale and rental value

Renovation cost estimate screening

Repair item	Severity	Est. cost
exterior siding · Significant weathering and cracking	Major	$15,000–50,000
kitchen flooring · Some wear, but not severe enough to replace	Minor	$500–3,000
bathroom flooring · Some wear, but not severe enough to replace	Minor	$500–3,000
interior walls · Peeling paint, touch-up needed	Minor	$500–3,000
Total estimated repair cost · 4 items		$16,500–59,000

Value-add ROI direction

• Resale Paint exterior siding — Fresh paint can significantly improve curb appeal and home value ↑
• Both Replace kitchen flooring — New flooring in the kitchen can improve both resale and rental value ↑
• Both Replace bathroom flooring — Fresh flooring in the bathroom can improve both resale and rental value ↑
• Both Paint interior walls — Fresh paint can improve the overall look and feel of the home, enhancing both resale and rental value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Bowling Green R-I
• NCES district ID: 2905660
• Math proficiency: 31% ▼ -11.00%
• Reading proficiency: 49% ▼ -1.00%
• Median HH income: $43,568
• Composite: 33.81/100
• National rank: #5362
• State rank: #146 of 324 in MO

Livability — Curryville

• Score: 52/100
• State rank: #852
• US rank: #24833

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Curryville, MO
• Population (ZIP): 1,012

Population outlook (Pike County) Hauer SSP2

• Today (2025): 17,895 people
• By 2030: 17,591 · -1.7%
• By 2040: 17,080 · -4.6%
• By 2050: 16,589 · -7.3%
• By 2075: 14,761 · -17.5%
• By 2100: 11,606 · -35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 3% Asian 1%
• Common ancestry: Lithuanian 4% Slovak 2%
• Foreign-born: 0%
• Languages at home: 97% English-only · German/W. Germanic 2% Other Asian/Pacific 1%

Political lean MEDSL · Pike

• 2024 margin: Solid R (+57.9) · D 20.7% · R 78.6%
• 2008→2024 swing: -48.0pp toward R · 2008: -9.9pp · 2024: -57.9pp
• All cycles: 2024: R+57.9 2020: R+53.9 2016: R+47.0 2012: R+27.3 2008: R+9.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 3.00%
• Current HPI: 129.7914
• 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

-3.2% since first listed

2 events — show timeline

• 2026-05-04 Price Changed $79,900 MARIS as Distributed by MLS Grid
• 2026-04-22 Listed $82,500 MARIS as Distributed by MLS Grid

Property tax history

+0.3%/yr

Latest (2025): $99 · -0.3% YoY. Source: county tax records.