310 S Forest St · El Dorado Springs, MO 64744

$139,000

3 bd · 2.0 ba · 1,406 sqft · SingleFamily public records · 140 Days on market

Built 2002 10,018 sqft lot $99/sqft · at area comps Est $146k · at est. ↓ 6% 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 +24.0/30.0
• Appreciation +10.0/10.0
• ARV discount +9.7/15.0
• DSCR +7.7/10.0
• 1% rule +5.4/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.4/10.0

Listing remarks MLS

Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85'x150' lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

Key facts

• Covered front porch
• Deck off the kitchen
• Room for a shed

Tags

• VINYL SIDING
• COVERED FRONT PORCH
• MATURE TREES
• CONCRETE DRIVEWAY
• DECK OFF THE KITCHEN
• ROOM FOR A SHED

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $139k.

Deal economics

• At list price, monthly cash flow is $271 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $139k).
• Recommended offer: $122k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 4.9% in El Dorado Springs — 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 62/100 on livability (#370 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D-, amenities F, commute F.
• El Dorado Springs R-II (town): math 25% / reading 34% proficiency, ranked #279 of 324 in MO (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 84 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 4 units permitted in Cedar County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $15k of equity ($961 loan paydown + $14k appreciation (10.0% local appreciation)).
• Cedar County population projected at -12% 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 $39k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$38k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 140 days — a 12% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $8k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $122,320 (12.0% below list)

Questions for the listing agent

1. It's been on market 140 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
6. 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.
7. 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: 1.04% ✓
• Cap rate: 8.64%
• Cash-on-cash: 8.37%
• DSCR: 1.37
• GRM: 8.0

CMA / ARV

• ARV (median comp): $146,094
• List price: $139,000
• Delta: -4.86%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
108 S Grand Ave	0.19mi	4/2.0 (+1)	1,510 (+7%)	19mo	$25,000	$17	58
112 W Olive St	0.56mi	3/1.0	1,316 (-6%)	3mo	$130,000	$99	57
300 N Main St	0.45mi	2/2.0 (-1)	1,393 (-1%)	19mo	$130,000	$93	57
111 W Olive St	0.58mi	4/2.0 (+1)	1,346 (-4%)	8mo	$184,900	$137	54
227 W Poplar St	0.62mi	3/2.0	1,430 (+2%)	20mo	$199,000	$139	52
300 W Pine St	0.72mi	3/2.0	1,250 (-11%)	4mo	$75,000	$60	45
403 E Twyman Ave	0.59mi	4/2.0 (+1)	1,512 (+8%)	12mo	$70,000	$46	45
705 Sunset Dr	0.70mi	3/2.0	1,560 (+11%)	7mo	$169,500	$109	43
1001 S Main St	0.49mi	3/1.0	1,551 (+10%)	19mo	$103,500	$67	40
304 W Fields Blvd	0.66mi	3/1.0	1,312 (-7%)	18mo	$123,500	$94	39
215 W Pine St	0.63mi	3/2.0	1,240 (-12%)	21mo	$189,500	$153	33
204 E Olive St	0.49mi	2/1.0 (-1)	1,562 (+11%)	22mo	$25,000	$16	32

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: 30.4%
• Equity multiple: 3.39×
• Total profit: $92,957
• Equity at exit: $125,222

10-year hold

• IRR: 26.3%
• Equity multiple: 7.68×
• Total profit: $260,089
• Equity at exit: $270,046

Cash invested: $38,920 (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 64744

• Home prices YoY: 5.2%
• Active inventory: 84
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,450 medium
• Mortgage (P&I): −$729
• Tax from tax record: −$87 /mo · $1,047/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $271

Break-even live

Break-even rent $1,106

Max offer price $139,000

Occupancy floor 76%

Sensitivity live

Price	-10% $350	-5% $311	+0% $271	+5% $232	+10% $193
Rent	-10% $157	-5% $214	+0% $271	+5% $329	+10% $386
Rate	-1.0pp $341	-0.5pp $307	base $271	+0.5pp $235	+1.0pp $199

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: $34,750
• Closing costs: $4,170
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
410 S Ohio St El Dorado Springs, MO	3.0	2.0	1020	$1,450	$1.42	45d	1	0.13mi

Listing history 14 events

1. 2026-06-02
   status $139,000 Pending 140 DOM
2. 2026-06-01
   days on market $139,000 Active 140 DOM
3. 2026-05-31
   days on market $139,000 Active 139 DOM
4. 2026-04-14
   status Active 937-char remark

   Show marketing remark (950 chars)

   Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

5. 2026-04-14
   status Active 950-char remark

   Show marketing remark (950 chars)

   Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

6. 2026-03-20
   status Pending 937-char remark

   Show marketing remark (950 chars)

   Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

7. 2026-03-20
   status Pending 950-char remark

   Show marketing remark (950 chars)

   Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

8. 2026-03-06
   price $139,000 937-char remark

   Show marketing remark (950 chars)

   Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

9. 2026-03-06
   price $139,000 950-char remark

   Show marketing remark (950 chars)

   Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

10. 2025-12-17
    listed $147,500 Active 937-char remark

    Show marketing remark (950 chars)

    Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

11. 2025-12-17
    listed $147,500 Active 950-char remark

    Show marketing remark (950 chars)

    Ranch Home For Sale in El Dorado Springs, MO Tucked into the heart of El Dorado Springs is a 3 bedroom, 2 bath home that just may be the right home for you. The exterior of the home features vinyl siding, a covered front porch, mature trees, and a concrete driveway. The back of the home showcases a deck off the kitchen and has a chainlink fence already in place with plenty of room for a shed to be placed or an outbuilding to be built on the 85’x150’ lot. The interior boasts an open kitchen-dining-living room concept with a large utility room plus 3 bedrooms and 2 bathrooms, including a full, master bathroom. This 2002-built home can used in all stages of life with its good square footage and ease of access. A 2-car garage, 50 gallon electric water heater, and good HVAC unit are all amenities that you will appreciate. There are few listings of affordable homes currently on the market, so schedule a showing on this one today!

12. 2024-07-15
    soldstatus
13. 2016-08-05
    soldstatus
14. 2015-03-18
    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: $1,047 · $87/mo
• Projected year-2 tax: $1,348 · $112/mo
• Expected delta: +$301/yr (+$25/mo · 28.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% 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: $17,400
• − Mortgage interest: −$7,786
• − Property taxes: −$1,047
• − Insurance: −$695
• − Repairs & maintenance: −$1,392
• − Management: −$1,392
• − Depreciation: −$4,044
• Taxable income: $1,044
• Est. tax owed @ 24.0%: −$251
• After-tax cash flow: $3,006/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: El Dorado Springs R-II
• NCES district ID: 2911310
• Math proficiency: 25% ▼ -5.00%
• Reading proficiency: 34% ▼ -5.00%
• Median HH income: $31,880
• Composite: 24.02/100
• National rank: #7772
• State rank: #279 of 324 in MO

Livability — El Dorado Springs

• Score: 62/100
• State rank: #370
• US rank: #16324

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: El Dorado Springs, MO
• Population (ZIP): 8,547

Population outlook (Cedar County) Hauer SSP2

• Today (2025): 13,424 people
• By 2030: 13,080 · -2.6%
• By 2040: 12,434 · -7.4%
• By 2050: 11,841 · -11.8%
• By 2075: 10,171 · -24.2%
• By 2100: 7,744 · -42.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 4%
• Common ancestry: Italian 6% Iranian 3% Romanian 3%
• Foreign-born: 1% · Canada
• Languages at home: 94% English-only · German/W. Germanic 5% Spanish 1%

Political lean MEDSL · Cedar

• 2024 margin: Solid R (+69.6) · D 14.8% · R 84.4%
• 2008→2024 swing: -36.0pp toward R · 2008: -33.6pp · 2024: -69.6pp
• All cycles: 2024: R+69.6 2020: R+65.9 2016: R+63.9 2012: R+47.0 2008: R+33.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 11.88%
• Current HPI: 242.0421
• 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

-5.8% since first listed

11 events — show timeline

• 2026-04-14 Relisted — SOMO
• 2026-04-14 Relisted — Heartland MLS as Distributed by MLS Grid
• 2026-03-20 Pending — SOMO
• 2026-03-20 Pending — Heartland MLS as Distributed by MLS Grid
• 2026-03-06 Price Changed $139,000 SOMO
• 2026-03-06 Price Changed $139,000 Heartland MLS as Distributed by MLS Grid
• 2025-12-17 Listed $147,500 Heartland MLS as Distributed by MLS Grid
• 2025-12-17 Listed $147,500 SOMO
• 2024-07-15 Sold (Public Records) — Public Records
• 2016-08-05 Sold (Public Records) — Public Records
• 2015-03-18 Sold (Public Records) — Public Records

Property tax history

+3.2%/yr

Latest (2025): $1,047 · +8.4% YoY. Source: county tax records.