106 S Roney St · Carl Junction, MO 64834

$194,900

3 bd · 1.5 ba · 1,398 sqft · Other public records · 17 Days on market

Built 1960 0.31 ac lot

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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).

• Cash flow +14.3/30.0
• ARV discount +7.5/15.0
• DSCR +4.3/10.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• 1% rule +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming and move-in ready in the heart of Carl Junction! 106 S Roney St offers comfortable living with a bright interior, welcoming layout, and a spacious yard perfect for relaxing evenings, entertaining friends, or enjoying time outdoors. Located in a quiet neighborhood close to schools, parks, and local conveniences, this home delivers the best of small-town living while still being just minutes from everything you need. Whether you're a first-time buyer or looking to settle into a peaceful community, this home is one you won't want to miss. Schedule your tour today!

Key facts

• Spacious yard
• Close to parks
• Close to schools

Tags

• SPACIOUS YARD
• QUIET NEIGHBORHOOD
• CLOSE TO SCHOOLS
• CLOSE TO PARKS
• LOCAL CONVENIENCES

Property features AI

Exterior

• Parking: Attached 2-car garage; Additional parking (2-car attached garage noted)
• Utilities: Public sewer
• Home design: Single-family residence (freestanding); Residential property
• Construction: Vinyl siding, brick, and stone exterior; Block foundation; Built with shingle roof
• Exterior features: Porch; Shingle roof; No fencing; Lot approximately 90 x 150

Interior

• Kitchen: Electric oven; Double oven; Convection oven
• Flooring: Carpet; Wood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Natural gas heating; Central heating; Cooling present
• Interior features: Wood-burning fireplace; Crawl space basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath other listed at $195k.

Deal economics

• At list price, monthly cash flow is $36 ($428/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 $155k (20.6% below list).
• Recommended offer: $155k (20.6% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 3.2% in Carl Junction — 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 68/100 on livability (#169 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, health & safety D-.
• Carl Junction R-I (suburban): math 42% / reading 53% proficiency, ranked #57 of 324 in MO (top 18%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Carl Junction Primary K-1 (670 students, 37% FRL); Carl Junction Jr. High (math 43% / reading 50%, grade D+, #99 of 391 statewide, top 26%, 501 students, 42% FRL).
• Market conditions: 129 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 602 units permitted in Jasper 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.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($192k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.
• Current owner paid $48k; list at $195k implies a 310% gain — meaningful room to come down on a strong offer.

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 $154,791 (20.6% below list)

Questions for the listing agent

1. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.79% ✗
• Cap rate: 6.51%
• Cash-on-cash: 0.78%
• DSCR: 1.03
• GRM: 10.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -15.1%
• Equity multiple: 0.46×
• Total profit: $-29,387
• Equity at exit: $29,060

10-year hold

• IRR: -6.6%
• Equity multiple: 0.58×
• Total profit: $-22,971
• Equity at exit: $16,851

Cash invested: $54,572 (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 64834

• Home prices YoY: -13.2%
• Active inventory: 129
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $1,548 medium
• Mortgage (P&I): −$1,022
• Tax from tax record: −$84 /mo · $1,007/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $36

Break-even live

Break-even rent $1,503

Max offer price $194,900

Occupancy floor 93%

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: $48,725
• Closing costs: $5,847
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1004 Southgate CIR Carl Junction, MO	3.0	2.0	1550	$1,595	$1.03	21d	1	0.15mi
702 Nicholas Ln Carl Junction, MO	4.0	2.0	1450	$1,500	$1.03	43d	1	0.63mi
623 Valley View St Carl Junction, MO	3.0	2.0	1008	$1,350	$1.34	21d	1	0.66mi

Listing history 25 events

1. 2026-06-19
   days on market $194,900 Active 17 DOM
2. 2026-06-18
   days on market $194,900 Active 16 DOM
3. 2026-06-17
   days on market $194,900 Active 15 DOM
4. 2026-06-16
   days on market $194,900 Active 14 DOM
5. 2026-06-15
   days on market $194,900 Active 13 DOM
6. 2026-06-14
   days on market $194,900 Active 11 DOM
7. 2026-06-13
   pricedays on market $194,900 Active 10 DOM
8. 2026-06-10
   days on market $199,900 Active 8 DOM
9. 2026-06-09
   days on market $199,900 Active 7 DOM
10. 2026-06-08
    days on market $199,900 Active 6 DOM
11. 2026-06-07
    days on market $199,900 Active 5 DOM
12. 2026-06-03
    days on marketlisting id $199,900 Active 1 DOM
13. 2026-06-02
    days on market $199,900 Active 4 DOM
14. 2026-06-01
    days on market $199,900 Active 3 DOM
15. 2026-05-31
    days on market $199,900 Active 2 DOM
16. 2026-05-29
    listed $199,900 Active
17. 2026-03-14
    listed $194,900 Active
18. 2025-09-23
    price $192,500
19. 2025-08-29
    price $194,900
20. 2025-07-25
    price $199,800
21. 2025-07-20
    price $199,900
22. 2024-10-15
    soldstatus
23. 2015-09-01
    soldstatus
24. 2015-09-01
    soldstatus $47,500
25. 1996-04-24
    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: $1,007 · $84/mo
• Projected year-2 tax: $1,891 · $158/mo
• Expected delta: +$883/yr (+$74/mo · 87.7%)

ⓘ 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 6/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% 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: $18,575
• − Mortgage interest: −$10,917
• − Property taxes: −$1,007
• − Insurance: −$974
• − Repairs & maintenance: −$1,486
• − Management: −$1,486
• − Depreciation: −$5,670
• Taxable loss: −$2,966
• Est. tax savings @ 24.0%: +$712
• After-tax cash flow: $1,139/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: Carl Junction R-I
• NCES district ID: 2907350
• Math proficiency: 42% ▲ 1.00%
• Reading proficiency: 53% ▬ 0.00%
• Median HH income: $53,866
• Composite: 41.04/100
• National rank: #3580
• State rank: #57 of 324 in MO

Livability — Carl Junction

• Score: 68/100
• State rank: #169
• US rank: #9146

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Carl Junction, MO
• City population: 10,476
• Population (ZIP): 10,476

Population outlook (Jasper County) Hauer SSP2

• Today (2025): 120,033 people
• By 2030: 120,091 · +0.0%
• By 2040: 119,297 · -0.6%
• By 2050: 117,705 · -1.9%
• By 2075: 110,402 · -8.0%
• By 2100: 99,719 · -16.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 5% Hispanic / Latino 3%
• Common ancestry: Lithuanian 4% Italian 4% Slovak 3%
• Foreign-born: 2% · Canada, South Korea
• Languages at home: 96% English-only · Spanish 3% French/Haitian/Cajun 1%

Political lean MEDSL · Jasper

• 2024 margin: Solid R (+46.8) · D 25.9% · R 72.7% · Other 1.4%
• 2008→2024 swing: -13.6pp toward R · 2008: -33.2pp · 2024: -46.8pp
• All cycles: 2024: R+46.8 2020: R+46.2 2016: R+50.8 2012: R+41.0 2008: R+33.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -38.68%
• Current HPI: 255.1864
• 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

+320.8% since first listed

10 events — show timeline

• 2026-05-29 Listed $199,900 OGAR
• 2026-03-14 Listed $194,900 OGAR
• 2025-09-23 Price Changed $192,500 OGAR
• 2025-08-29 Price Changed $194,900 OGAR
• 2025-07-25 Price Changed $199,800 OGAR
• 2025-07-20 Price Changed $199,900 OGAR
• 2024-10-15 Sold (Public Records) — Public Records
• 2015-09-01 Sold (Public Records) $47,500 Public Records
• 2015-09-01 Sold (Public Records) — Public Records
• 1996-04-24 Sold (Public Records) — Public Records

Property tax history

+4.2%/yr

Latest (2025): $1,007 · +13.2% YoY. Source: county tax records.