25437 Ondolando Rd · Hermitage, MO 65724

$120,000

2 bd · 1.0 ba · 936 sqft · Other public records · 13 Days on market

Built 1996 1.91 ac lot

---

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 +10.6/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• DSCR +3.1/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0

Listing remarks

Cute 2 BR, 1 BA home on nearly 2 acres with a lot of potential. Property has 4 outbuildings including 2 garages with living quarters above and 2 single car garages. There is also a concrete foundation that has not been built on. The property is conveniently located just off the highway and a very short distance to Pomme De Terre lake. The residences and garages do need work however, once completed it would make a great family lake getaway.

Key facts

• Outbuildings
• Concrete foundation
• 1.91 acre lot

Tags

• OUTBUILDINGS
• LIVING QUARTERS ABOVE
• CONCRETE FOUNDATION

Property features AI

Exterior

• Parking: Detached garage with 6 covered/garage parking spaces (6 total spaces)
• Home design: Single-family residence; Residential property
• Exterior features: Corner lot on County Rd. 296 and Ondolando Rd.; Approximately 1.91-acre lot

Interior

• Bathrooms: 1 full bathroom
• Interior features: One full bathroom

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $120k.

Deal economics

• At list price, monthly cash flow is $-59 ($-706/yr) — negative.
• To cash-flow at today's rent, offer at most $110k (8.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $88k (26.6% below list).
• Recommended offer: $88k (26.6% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 3.3% in Hermitage — 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 54/100 on livability (#788 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime F, amenities F, commute F.
• Hermitage R-IV (rural): math 45% / reading 50% proficiency, ranked #185 of 535 in MO (top 35%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Hermitage Elem. (math 47% / reading 47%, grade D-, #347 of 1,115 statewide, top 35%, 138 students, 58% FRL); Hermitage Middle (math 24% / reading 44%, grade F, #243 of 391 statewide, top 65%, 50 students, 44% FRL); Hermitage High (math 10% / reading 50%, grade F, #377 of 521 statewide, top 73%, 81 students, 51% FRL).
• Market conditions: 45 active listings in the ZIP.

Forward outlook

• In year one you build about $13k of equity ($830 loan paydown + $12k appreciation (10.0% local appreciation)).
• Hickory County population projected at -26% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $88,134 (26.6% 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. 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. 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: 0.73% ✗
• Cap rate: 5.70%
• Cash-on-cash: -2.10%
• DSCR: 0.91
• GRM: 11.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 22.8%
• Equity multiple: 2.83×
• Total profit: $61,577
• Equity at exit: $108,106

10-year hold

• IRR: 20.4%
• Equity multiple: 6.48×
• Total profit: $184,216
• Equity at exit: $233,134

Cash invested: $33,600 (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 65724

• Home prices YoY: 5.4%
• Active inventory: 45
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $881 medium
• Mortgage (P&I): −$629
• Tax from tax record: −$76 /mo · $909/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$185
• Net cashflow: $-59

Break-even live

Break-even rent $956

Max offer price $109,612

Occupancy floor —

Sensitivity live

Price	-10% $9	-5% $-25	+0% $-59	+5% $-93	+10% $-127
Rent	-10% $-128	-5% $-94	+0% $-59	+5% $-24	+10% $11
Rate	-1.0pp $2	-0.5pp $-28	base $-59	+0.5pp $-90	+1.0pp $-122

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-06-21
   days on market $120,000 Active 13 DOM
2. 2026-06-21
   days on market $120,000 Active 12 DOM
3. 2026-06-18
   days on market $120,000 Active 10 DOM
4. 2026-06-17
   days on market $120,000 Active 9 DOM
5. 2026-06-16
   days on market $120,000 Active 8 DOM
6. 2026-06-15
   days on market $120,000 Active 7 DOM
7. 2026-06-13
   days on market $120,000 Active 5 DOM
8. 2026-06-12
   days on market $120,000 Active 4 DOM
9. 2026-06-09
   remarks 443-char remark
10. 2026-06-09
    listed $120,000 Active 1 DOM

ⓘ 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: $909 · $76/mo
• Projected year-2 tax: $1,164 · $97/mo
• Expected delta: +$255/yr (+$21/mo · 28.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $10,576
• − Mortgage interest: −$6,722
• − Property taxes: −$909
• − Insurance: −$600
• − Repairs & maintenance: −$846
• − Management: −$846
• − Depreciation: −$3,491
• Taxable loss: −$2,838
• Est. tax savings @ 24.0%: +$681
• After-tax cash flow: $-25/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: Hermitage R-IV
• NCES district ID: 2914310
• Math proficiency: 45% ▬ 0.00%
• Reading proficiency: 50% ▲ 5.00%
• Median HH income: $30,066
• Composite: 40.92/100
• National rank: #7513
• State rank: #185 of 535 in MO

Livability — Hermitage

• Score: 54/100
• State rank: #788
• US rank: #23974

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 1,728

Population outlook (Hickory County) Hauer SSP2

• Today (2025): 8,206 people
• By 2030: 7,690 · -6.3%
• By 2040: 6,780 · -17.4%
• By 2050: 6,076 · -26.0%
• By 2075: 5,088 · -38.0%
• By 2100: 4,489 · -45.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (98%)
• Race & ethnicity: White 98%
• Common ancestry: Italian 17% Lithuanian 4% Iranian 1%
• Languages at home: 97% English-only · German/W. Germanic 3%

Political lean MEDSL · Hickory

• 2024 margin: Solid R (+61.1) · D 19.1% · R 80.2%
• 2008→2024 swing: -47.9pp toward R · 2008: -13.3pp · 2024: -61.1pp
• All cycles: 2024: R+61.1 2020: R+57.3 2016: R+53.5 2012: R+23.6 2008: R+13.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 11.14%
• Current HPI: 216.4684
• 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

4 events — show timeline

• 2026-06-08 Listed $120,000 WCAR
• 2025-04-03 Sold (Public Records) — Public Records
• 2022-10-13 Sold (Public Records) — Public Records
• 2019-01-01 Sold (Public Records) — Public Records

Property tax history

+1.9%/yr

Latest (2025): $909 · +7.9% YoY. Source: county tax records.