6 Windsor Pl · Moberly, MO 65270

$124,900

2 bd · 1.0 ba · 1,072 sqft · SingleFamily public records · 19 Days on market

Built 1920 5,200 sqft lot $117/sqft · at area comps Est $123k · at est.

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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 +15.8/30.0
• ARV discount +6.9/15.0
• DSCR +4.9/10.0
• Livability +3.9/5.0
• 1% rule +3.7/10.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 2 bedroom bungalow on dead-end street with refinished hardwood floors & several original built-ins! New kitchen & bathroom remodeling, new roof & new detached garage. Full, unfinished basement great for extra storage. Small patio in back with wooded backdrop. Wood-burning fireplace not recently used. Home comes fully applianced with full offer. Quick possession possible!

Key facts

• Covered front porch
• Brick bungalow
• Unfinished basement

Tags

• BRICK BUNGALOW
• STONE FIREPLACE
• COVERED FRONT PORCH
• ORIGINAL HARDWOOD FLOORS
• DETACHED GARAGE
• UNFINISHED BASEMENT

Property features AI

Exterior

• Parking: Detached garage with garage door opener (1 car)
• Utilities: Public water; Public sewer
• Home design: Single-family residence; Residential property
• Construction: Brick construction; Shingle roof
• Exterior features: Covered patio; Chain link fencing

Interior

• Kitchen: Disposal; Electric range; Refrigerator
• Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans
• Interior features: Insulated windows; Wood-burning fireplace; Full unfinished basement
• Laundry & utility: Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $56 ($675/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 $109k (12.7% below list).
• Recommended offer: $109k (12.7% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 4.5% in Moberly — 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 77/100 on livability (#32 in MO, #3,045 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, schools D-, amenities F.
• Moberly (town): math 30% / reading 36% proficiency, ranked #246 of 324 in MO (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 134 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 25 units permitted in Randolph County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Randolph County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 19 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 11y 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.
• Current owner paid $75k; list at $125k implies a 67% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $109,000 (12.7% below list)

Questions for the listing agent

1. Built in 1920 — 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. 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. 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?
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: 0.87% ✗
• Cap rate: 6.83%
• Cash-on-cash: 1.93%
• DSCR: 1.09
• GRM: 9.5

CMA / ARV

• ARV (median comp): $123,325
• List price: $124,900
• Delta: 1.28%
• 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
612 S 4th St	0.44mi	2/1.0	1,066 (-1%)	1mo	$35,000	$33	78
319 S 6th St	0.23mi	2/1.0	966 (-10%)	7mo	$89,900	$93	66
809 S 4th St	0.52mi	2/1.0	1,100 (+3%)	7mo	$135,000	$123	65
707 S 5th St	0.41mi	3/2.0 (+1)	1,150 (+7%)	2mo	$179,900	$156	58
620 Burkholder St	0.56mi	2/1.0	1,150 (+7%)	6mo	$159,500	$139	57
1126 Fisk Ave	0.38mi	2/2.0	1,219 (+14%)	5mo	$135,000	$111	52
411 Shumate Ave	0.69mi	3/1.5 (+1)	1,008 (-6%)	1mo	$162,000	$161	50
1123 Concannon St	0.65mi	3/1.0 (+1)	968 (-10%)	1mo	$148,000	$153	48
837 Myra St	0.65mi	3/2.0 (+1)	1,130 (+5%)	7mo	$149,500	$132	46
1029 Concannon St	0.62mi	3/2.0 (+1)	960 (-10%)	2mo	$165,000	$172	43
1201 Bond St	0.65mi	2/1.0	1,210 (+13%)	6mo	$120,000	$99	43
517 S Clark St	0.49mi	3/2.0 (+1)	1,229 (+15%)	6mo	$209,900	$171	38

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

Projected returns pro-forma

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

5-year hold

• IRR: -13.3%
• Equity multiple: 0.52×
• Total profit: $-16,678
• Equity at exit: $18,623

10-year hold

• IRR: -4.3%
• Equity multiple: 0.71×
• Total profit: $-9,991
• Equity at exit: $10,799

Cash invested: $34,972 (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 65270

• Home prices YoY: -30.6%
• Active inventory: 134
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $1,090 medium
• Mortgage (P&I): −$655
• Tax from tax record: −$98 /mo · $1,174/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $56

Break-even live

Break-even rent $1,019

Max offer price $124,900

Occupancy floor 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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
204 Cockrell Dr Moberly, MO	2.0	2.0	1150	$1,090	$0.95	43d	1	0.77mi

Listing history 15 events

1. 2026-05-07
   listed $124,900 Active 495-char remark
2. 2024-06-13
   historical 400-char remark

   Show marketing remark (400 chars)

   Charming 2 bedroom bungalow on dead-end street with refinished hardwood floors & several original built-ins! New kitchen & bathroom remodeling, new roof & new detached garage. Full, unfinished basement great for extra storage. Small patio in back with wooded backdrop. Wood-burning fireplace not recently used. Home comes fully applianced with full offer. Quick possession possible!

3. 2023-07-10
   historical

   Show marketing remark (252 chars)

   Great bungalow style home with lots of charm! This 2 bed 1 bath home has beautiful hardwood floors, new windows, a fireplace, 1 car detached garage, and sits on a dead end street! The basement is dry and has tons of storage! Don't miss out, call today!

4. 2020-09-22
   soldstatus $74,900
5. 2020-08-04
   listed $74,900

   Show marketing remark (252 chars)

   Great bungalow style home with lots of charm! This 2 bed 1 bath home has beautiful hardwood floors, new windows, a fireplace, 1 car detached garage, and sits on a dead end street! The basement is dry and has tons of storage! Don't miss out, call today!

6. 2017-07-10
   listed $69,900
7. 2015-12-04
   soldstatus
8. 2015-12-04
   soldstatus $62,000
9. 2015-09-29
   listed $65,000 400-char remark

   Show marketing remark (400 chars)

   Charming 2 bedroom bungalow on dead-end street with refinished hardwood floors & several original built-ins! New kitchen & bathroom remodeling, new roof & new detached garage. Full, unfinished basement great for extra storage. Small patio in back with wooded backdrop. Wood-burning fireplace not recently used. Home comes fully applianced with full offer. Quick possession possible!

10. 2015-09-28
    listed $65,000
11. 2012-09-17
    soldstatus $56,000
12. 2011-08-18
    soldstatus $29,000
13. 2006-09-29
    soldstatus
14. 2005-08-31
    soldstatus $58,000
15. 1986-01-21
    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: $1,174 · $98/mo
• Projected year-2 tax: $1,212 · $101/mo
• Expected delta: +$37/yr (+$3/mo · 3.2%)

ⓘ 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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥106°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,080
• − Mortgage interest: −$6,996
• − Property taxes: −$1,174
• − Insurance: −$624
• − Repairs & maintenance: −$1,046
• − Management: −$1,046
• − Depreciation: −$3,633
• Taxable loss: −$1,441
• Est. tax savings @ 24.0%: +$346
• After-tax cash flow: $1,021/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: Moberly
• NCES district ID: 2921100
• Math proficiency: 30% ▼ -1.00%
• Reading proficiency: 36% ▼ -3.00%
• Median HH income: $36,160
• Composite: 27.35/100
• National rank: #6984
• State rank: #246 of 324 in MO

Livability — Moberly

• Score: 77/100
• State rank: #32
• US rank: #3045

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moberly, MO
• Population (ZIP): 16,762

Population outlook (Randolph County) Hauer SSP2

• Today (2025): 24,596 people
• By 2030: 24,213 · -1.6%
• By 2040: 23,184 · -5.7%
• By 2050: 22,081 · -10.2%
• By 2075: 18,994 · -22.8%
• By 2100: 15,070 · -38.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 7% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 2% Lithuanian 2% Iranian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Randolph

• 2024 margin: Solid R (+52.2) · D 23.3% · R 75.5% · Other 1.2%
• 2008→2024 swing: -28.9pp toward R · 2008: -23.3pp · 2024: -52.2pp
• All cycles: 2024: R+52.2 2020: R+51.5 2016: R+50.9 2012: R+36.6 2008: R+23.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.15%
• Current HPI: 199.9743
• 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

+115.3% since first listed

17 events — show timeline

• 2026-06-08 Sold (MLS) — RCBR
• 2026-05-26 Pending — RCBR
• 2026-05-07 Listed $124,900 RCBR
• 2024-06-13 Delisted — RCBR
• 2023-07-10 Delisted — RCBR
• 2020-09-22 Sold (Public Records) $74,900 Public Records
• 2020-08-04 Listed $74,900 RCBR
• 2017-07-10 Listed $69,900 CBORMLS
• 2015-12-04 Sold (Public Records) $62,000 Public Records
• 2015-12-04 Sold (MLS) — CBORMLS
• 2015-09-29 Listed $65,000 RCBR
• 2015-09-28 Listed $65,000 CBORMLS
• 2012-09-17 Sold (Public Records) $56,000 Public Records
• 2011-08-18 Sold (Public Records) $29,000 Public Records
• 2006-09-29 Sold (Public Records) — Public Records
• 2005-08-31 Sold (Public Records) $58,000 Public Records
• 1986-01-21 Sold (Public Records) — Public Records

Property tax history

+4.4%/yr

Latest (2025): $1,174 · +9.1% YoY. Source: county tax records.