314 Jasper St · Aurora, MO 65605

$125,000

5 bd · 1.0 ba · 1,208 sqft · Other public records · 223 Days on market

Built 1910 10,454 sqft lot $103/sqft · 6% above area Est $154k · 19% under ↓ 17% 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 +26.0/30.0
• ARV discount +15.0/15.0
• DSCR +8.7/10.0
• 1% rule +5.8/10.0
• Schools +2.8/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to 314 Jasper Street. They just don't make them like this any more! Built in 1910, this 4 Bed, 1.5 Bath home is centrally located in the heart of Aurora and situated on a generously sized corner lot. It features many original windows and doors and has an open Living & Formal Dining Room. You will be in awe of the 10-ft Ceilings! There are two spacious bedrooms on the main floor, one being the Master and features a walk-in closet. The second floor you will find two other bedrooms, a half bath, and a cozy hallway nook that can be used as a reading area, TV or game area for the kiddos, or an office area. Downstairs in the basement houses the 3-yr old HVAC, water heater and measures 472 sq ft of storage space. Outside you will find a fantastic covered front porch, some mature shade trees, a covered 2-car carport, and a storage shed. This house is ready for its new owner to bring their own vision and personal touch. There is so much potential here. Selling AS-IS and priced to sell. Don't miss out on this one!

Key facts

• Covered front porch
• Original windows
• Covered carport

Tags

• ORIGINAL WINDOWS
• COVERED FRONT PORCH
• MATURE SHADE TREES
• COVERED CARPORT
• STORAGE SHED
• COZY HALLWAY NOOK

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath other listed at $125k.

Deal economics

• At list price, monthly cash flow is $310 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.3% vs local median 3.9% in Aurora — 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 56/100 on livability (#710 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools D-, crime F, amenities F.
• Aurora R-VIII (town): math 30% / reading 37% proficiency, ranked #244 of 324 in MO (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 137 active listings in the ZIP; 67 units permitted in Lawrence County in 2024 (35 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.
• Lawrence County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 223 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• 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 $110,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 223 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1910 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.08% ✓
• Cap rate: 9.27%
• Cash-on-cash: 10.62%
• DSCR: 1.47
• GRM: 7.7

CMA / ARV

• ARV (median comp): $154,048
• List price: $125,000
• Delta: -18.86%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -0.4%
• Equity multiple: 0.98×
• Total profit: $-567
• Equity at exit: $18,638

10-year hold

• IRR: 9.2%
• Equity multiple: 1.71×
• Total profit: $24,736
• Equity at exit: $10,808

Cash invested: $35,000 (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 65605

• Home prices YoY: -4.5%
• Active inventory: 137
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,352 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$51 /mo · $612/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $310

Break-even live

Break-even rent $960

Max offer price $125,000

Occupancy floor 72%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $125,000 Active 223 DOM
2. 2026-06-17
   days on market $125,000 Active 222 DOM
3. 2026-06-16
   days on market $125,000 Active 221 DOM
4. 2026-06-15
   days on market $125,000 Active 220 DOM
5. 2026-06-13
   days on market $125,000 Active 218 DOM
6. 2026-06-12
   days on market $125,000 Active 217 DOM
7. 2026-06-09
   days on market $125,000 Active 214 DOM
8. 2026-06-08
   days on market $125,000 Active 213 DOM
9. 2026-06-07
   days on market $125,000 Active 212 DOM
10. 2026-06-07
    days on market $125,000 Active 211 DOM
11. 2026-06-04
    days on market $125,000 Active 208 DOM
12. 2026-06-02
    days on market $125,000 Active 207 DOM
13. 2026-06-01
    days on market $125,000 Active 206 DOM
14. 2026-05-31
    days on market $125,000 Active 205 DOM
15. 2026-05-31
    days on market $125,000 Active 204 DOM
16. 2026-03-19
    price $125,000 1038-char remark

    Show marketing remark (1038 chars)

    Welcome home to 314 Jasper Street. They just don't make them like this any more! Built in 1910, this 4 Bed, 1.5 Bath home is centrally located in the heart of Aurora and situated on a generously sized corner lot. It features many original windows and doors and has an open Living & Formal Dining Room. You will be in awe of the 10-ft Ceilings! There are two spacious bedrooms on the main floor, one being the Master and features a walk-in closet. The second floor you will find two other bedrooms, a half bath, and a cozy hallway nook that can be used as a reading area, TV or game area for the kiddos, or an office area. Downstairs in the basement houses the 3-yr old HVAC, water heater and measures 472 sq ft of storage space. Outside you will find a fantastic covered front porch, some mature shade trees, a covered 2-car carport, and a storage shed. This house is ready for its new owner to bring their own vision and personal touch. There is so much potential here. Selling AS-IS and priced to sell. Don't miss out on this one!

17. 2026-02-13
    price $130,000 1038-char remark

    Show marketing remark (1038 chars)

    Welcome home to 314 Jasper Street. They just don't make them like this any more! Built in 1910, this 4 Bed, 1.5 Bath home is centrally located in the heart of Aurora and situated on a generously sized corner lot. It features many original windows and doors and has an open Living & Formal Dining Room. You will be in awe of the 10-ft Ceilings! There are two spacious bedrooms on the main floor, one being the Master and features a walk-in closet. The second floor you will find two other bedrooms, a half bath, and a cozy hallway nook that can be used as a reading area, TV or game area for the kiddos, or an office area. Downstairs in the basement houses the 3-yr old HVAC, water heater and measures 472 sq ft of storage space. Outside you will find a fantastic covered front porch, some mature shade trees, a covered 2-car carport, and a storage shed. This house is ready for its new owner to bring their own vision and personal touch. There is so much potential here. Selling AS-IS and priced to sell. Don't miss out on this one!

18. 2026-01-13
    price $135,000 1038-char remark

    Show marketing remark (1038 chars)

    Welcome home to 314 Jasper Street. They just don't make them like this any more! Built in 1910, this 4 Bed, 1.5 Bath home is centrally located in the heart of Aurora and situated on a generously sized corner lot. It features many original windows and doors and has an open Living & Formal Dining Room. You will be in awe of the 10-ft Ceilings! There are two spacious bedrooms on the main floor, one being the Master and features a walk-in closet. The second floor you will find two other bedrooms, a half bath, and a cozy hallway nook that can be used as a reading area, TV or game area for the kiddos, or an office area. Downstairs in the basement houses the 3-yr old HVAC, water heater and measures 472 sq ft of storage space. Outside you will find a fantastic covered front porch, some mature shade trees, a covered 2-car carport, and a storage shed. This house is ready for its new owner to bring their own vision and personal touch. There is so much potential here. Selling AS-IS and priced to sell. Don't miss out on this one!

19. 2025-12-31
    price $140,000 1038-char remark

    Show marketing remark (1038 chars)

    Welcome home to 314 Jasper Street. They just don't make them like this any more! Built in 1910, this 4 Bed, 1.5 Bath home is centrally located in the heart of Aurora and situated on a generously sized corner lot. It features many original windows and doors and has an open Living & Formal Dining Room. You will be in awe of the 10-ft Ceilings! There are two spacious bedrooms on the main floor, one being the Master and features a walk-in closet. The second floor you will find two other bedrooms, a half bath, and a cozy hallway nook that can be used as a reading area, TV or game area for the kiddos, or an office area. Downstairs in the basement houses the 3-yr old HVAC, water heater and measures 472 sq ft of storage space. Outside you will find a fantastic covered front porch, some mature shade trees, a covered 2-car carport, and a storage shed. This house is ready for its new owner to bring their own vision and personal touch. There is so much potential here. Selling AS-IS and priced to sell. Don't miss out on this one!

20. 2025-12-03
    price $145,000 1038-char remark

    Show marketing remark (1038 chars)

    Welcome home to 314 Jasper Street. They just don't make them like this any more! Built in 1910, this 4 Bed, 1.5 Bath home is centrally located in the heart of Aurora and situated on a generously sized corner lot. It features many original windows and doors and has an open Living & Formal Dining Room. You will be in awe of the 10-ft Ceilings! There are two spacious bedrooms on the main floor, one being the Master and features a walk-in closet. The second floor you will find two other bedrooms, a half bath, and a cozy hallway nook that can be used as a reading area, TV or game area for the kiddos, or an office area. Downstairs in the basement houses the 3-yr old HVAC, water heater and measures 472 sq ft of storage space. Outside you will find a fantastic covered front porch, some mature shade trees, a covered 2-car carport, and a storage shed. This house is ready for its new owner to bring their own vision and personal touch. There is so much potential here. Selling AS-IS and priced to sell. Don't miss out on this one!

21. 2025-11-07
    listed $150,000 Active 1038-char remark

    Show marketing remark (1038 chars)

    Welcome home to 314 Jasper Street. They just don't make them like this any more! Built in 1910, this 4 Bed, 1.5 Bath home is centrally located in the heart of Aurora and situated on a generously sized corner lot. It features many original windows and doors and has an open Living & Formal Dining Room. You will be in awe of the 10-ft Ceilings! There are two spacious bedrooms on the main floor, one being the Master and features a walk-in closet. The second floor you will find two other bedrooms, a half bath, and a cozy hallway nook that can be used as a reading area, TV or game area for the kiddos, or an office area. Downstairs in the basement houses the 3-yr old HVAC, water heater and measures 472 sq ft of storage space. Outside you will find a fantastic covered front porch, some mature shade trees, a covered 2-car carport, and a storage shed. This house is ready for its new owner to bring their own vision and personal touch. There is so much potential here. Selling AS-IS and priced to sell. Don't miss out on this one!

22. 2020-10-02
    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: $612 · $51/mo
• Projected year-2 tax: $1,212 · $101/mo
• Expected delta: +$601/yr (+$50/mo · 98.2%)

ⓘ 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 5/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,229
• − Mortgage interest: −$7,002
• − Property taxes: −$612
• − Insurance: −$625
• − Repairs & maintenance: −$1,298
• − Management: −$1,298
• − Depreciation: −$3,636
• Taxable income: $1,757
• Est. tax owed @ 24.0%: −$422
• After-tax cash flow: $3,296/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: Aurora R-VIII
• NCES district ID: 2904020
• Math proficiency: 30% ▼ -5.00%
• Reading proficiency: 37% ▼ -4.00%
• Median HH income: $37,036
• Composite: 27.84/100
• National rank: #6883
• State rank: #244 of 324 in MO

Livability — Aurora

• Score: 56/100
• State rank: #710
• US rank: #22927

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Aurora, MO
• Population (ZIP): 11,611

Population outlook (Lawrence County) Hauer SSP2

• Today (2025): 37,142 people
• By 2030: 36,212 · -2.5%
• By 2040: 34,080 · -8.2%
• By 2050: 31,621 · -14.9%
• By 2075: 25,987 · -30.0%
• By 2100: 20,151 · -45.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 8% Hispanic / Latino 5%
• Common ancestry: Iranian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2% German/W. Germanic 1% Korean 1%

Political lean MEDSL · Lawrence

• 2024 margin: Solid R (+63.8) · D 17.6% · R 81.5%
• 2008→2024 swing: -26.8pp toward R · 2008: -37.1pp · 2024: -63.8pp
• All cycles: 2024: R+63.8 2020: R+62.6 2016: R+61.1 2012: R+47.0 2008: R+37.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -12.62%
• Current HPI: 267.2335
• 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

-16.7% since first listed

7 events — show timeline

• 2026-03-19 Price Changed $125,000 SOMO
• 2026-02-13 Price Changed $130,000 SOMO
• 2026-01-13 Price Changed $135,000 SOMO
• 2025-12-31 Price Changed $140,000 SOMO
• 2025-12-03 Price Changed $145,000 SOMO
• 2025-11-07 Listed $150,000 SOMO
• 2020-10-02 Sold (Public Records) — Public Records

Property tax history

+3.4%/yr

Latest (2025): $612 · +8.6% YoY. Source: county tax records.