137 Junction St · Raymondville, MO 65555

$44,900

3 bd · 1.5 ba · 1,400 sqft · SingleFamily · 33 Days on market

Built 1937

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Appreciation +4.7/10.0
• Schools +3.9/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

2 story home with fenced yard located on quiet city street within walking distance to the school. Spacious kitchen and dining room combo, living room, full bath, and laundry room on main floor. Upstairs has original hardwood floors, one bedroom with a closet and 2 other potential bedrooms and a half bath. New roof & vinyl siding in 2013, windows in 2009, plumbing and electric updated in 2009. Fiber Optic Internet available.

Key facts

• Stair lift chair
• Fresh paint
• New carpet

Tags

• VENTLESS PROPANE HEATER
• FULLY REDONE ELECTRICAL PANEL
• COMPLETE REWIRING
• NEW CARPET
• FRESH PAINT
• STAIR LIFT CHAIR

Property features AI

Exterior

• Parking: Carport with 1 space
• Utilities: Public water; Public sewer; Electricity available; Sewer available; Water available; Electric service (other)
• Home design: Single-family residence; Two levels; Residential property
• Construction: Vinyl siding
• Exterior features: Level lot

Interior

• Bedrooms: 3 bedrooms (all on the upper level)
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Propane heating and space heater(s); Wall-mounted cooling unit(s)
• Interior features: 8 total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $45k.

Deal economics

• At list price, monthly cash flow is $555 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $45k).
• Recommended offer: $44k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 53/100 on livability (#817 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Raymondville R-VII (rural): math 55% / reading 35% proficiency, ranked #227 of 535 in MO (top 42%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Raymondville Elem. (math 47% / reading 37%, grade F, #481 of 1,115 statewide, top 46%, 130 students, 82% FRL) — zoned schools average 82% FRL vs 66% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 20 active listings in the ZIP; 10 units permitted in Texas County in 2024 (5 in 5+ unit buildings).

Forward outlook

• In year one you build about $10 of equity ($310 loan paydown + $-300 appreciation (-0.7% local appreciation)).
• Texas County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.7% appreciation + 3.0% rent growth), your $13k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 33 days — a 3% lower offer ($44k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 7y ago; this cycle's ask has dropped $55k (55%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1937 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $43,553 (3.0% below list)

Questions for the listing agent

1. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1937 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
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: 2.44% ✓
• Cap rate: 21.13%
• Cash-on-cash: 53.00%
• DSCR: 3.36
• GRM: 3.4

CMA / ARV

• ARV (on-the-fly): $114,800
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
129 Old Yukon Rd	0.11mi	2/2.0 (-1)	1,248 (-11%)	22mo	$79,000	$63	51
429 Craig Ln	0.74mi	3/1.5	1,340 (-4%)	17mo	$110,000	$82	44
165 King Ln	0.48mi	2/1.5 (-1)	1,216 (-13%)	20mo	$175,000	$144	34

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

Projected returns pro-forma

-0.67% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 53.8%
• Equity multiple: 3.60×
• Total profit: $32,681
• Equity at exit: $11,559

10-year hold

• IRR: 56.8%
• Equity multiple: 7.24×
• Total profit: $78,433
• Equity at exit: $12,763

Cash invested: $12,572 (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 65555

• Home prices YoY: -0.6%
• Active inventory: 20
• Price-to-rent: 3.4×

Monthly cashflow live

• Estimated rent: $1,096 medium
• Mortgage (P&I): −$235
• Tax est. 1.5%: −$56 /mo · $674/yr
• Insurance: −$19
• HOA: −$0
• Vacancy / Maint / Mgmt: −$230
• Net cashflow: $555

Break-even live

Break-even rent $393

Max offer price $44,900

Occupancy floor 44%

Sensitivity live

Price	-10% $586	-5% $571	+0% $555	+5% $540	+10% $524
Rent	-10% $469	-5% $512	+0% $555	+5% $599	+10% $642
Rate	-1.0pp $578	-0.5pp $567	base $555	+0.5pp $544	+1.0pp $532

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: $11,225
• Closing costs: $1,347
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-05-20
   status Pending
2. 2026-05-14
   price $44,900
3. 2026-04-30
   price $54,900
4. 2026-04-30
   price $74,900
5. 2026-04-27
   price $79,900
6. 2026-04-23
   price $84,900
7. 2026-04-20
   price $89,900
8. 2026-04-17
   listed $99,900 Active
9. 2019-10-21
   soldstatus Closed 434-char remark

   Show marketing remark (433 chars)

   2 story home with fenced yard located on quiet city street within walking distance to the school. Spacious kitchen and dining room combo, living room, full bath, and laundry room on main floor. Upstairs has original hardwood floors, one bedroom with a closet and 2 other potential bedrooms and a half bath. New roof & vinyl siding in 2013, windows in 2009, plumbing and electric updated in 2009. Fiber Optic Internet available.

10. 2019-10-21
    soldstatus 433-char remark

    Show marketing remark (433 chars)

    2 story home with fenced yard located on quiet city street within walking distance to the school. Spacious kitchen and dining room combo, living room, full bath, and laundry room on main floor. Upstairs has original hardwood floors, one bedroom with a closet and 2 other potential bedrooms and a half bath. New roof & vinyl siding in 2013, windows in 2009, plumbing and electric updated in 2009. Fiber Optic Internet available.

11. 2019-10-11
    status Pending 434-char remark

    Show marketing remark (434 chars)

    2 story home with fenced yard located on quiet city street within walking distance to the school. Spacious kitchen and dining room combo, living room, full bath, and laundry room on main floor. Upstairs has original hardwood floors, one bedroom with a closet and 2 other potential bedrooms and a half bath. New roof & vinyl siding in 2013, windows in 2009, plumbing and electric updated in 2009. Fiber Optic Internet available.

12. 2019-09-25
    listed $24,900 Active 434-char remark

    Show marketing remark (434 chars)

    2 story home with fenced yard located on quiet city street within walking distance to the school. Spacious kitchen and dining room combo, living room, full bath, and laundry room on main floor. Upstairs has original hardwood floors, one bedroom with a closet and 2 other potential bedrooms and a half bath. New roof & vinyl siding in 2013, windows in 2009, plumbing and electric updated in 2009. Fiber Optic Internet available.

13. 2019-09-24
    listed $24,900 433-char remark

    Show marketing remark (433 chars)

    2 story home with fenced yard located on quiet city street within walking distance to the school. Spacious kitchen and dining room combo, living room, full bath, and laundry room on main floor. Upstairs has original hardwood floors, one bedroom with a closet and 2 other potential bedrooms and a half bath. New roof & vinyl siding in 2013, windows in 2009, plumbing and electric updated in 2009. Fiber Optic Internet available.

14. 2019-05-24
    listed $40,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥105°F today · 20 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: $13,148
• − Mortgage interest: −$2,515
• − Property taxes: −$674
• − Insurance: −$224
• − Repairs & maintenance: −$1,052
• − Management: −$1,052
• − Depreciation: −$1,306
• Taxable income: $6,325
• Est. tax owed @ 24.0%: −$1,518
• After-tax cash flow: $5,146/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: Raymondville R-VII
• NCES district ID: 2926040
• Math proficiency: 55% ▬ 0.00%
• Reading proficiency: 35% ▼ -10.00%
• Median HH income: $34,502
• Composite: 39.42/100
• National rank: #8127
• State rank: #227 of 535 in MO

Livability — Raymondville

• Score: 53/100
• State rank: #817
• US rank: #24411

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: Raymondville, MO
• Population (ZIP): 1,305

Population outlook (Texas County) Hauer SSP2

• Today (2025): 24,648 people
• By 2030: 23,981 · -2.7%
• By 2040: 22,840 · -7.3%
• By 2050: 21,832 · -11.4%
• By 2075: 19,481 · -21.0%
• By 2100: 16,634 · -32.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 5% Hispanic / Latino 3%
• Common ancestry: Italian 3% Slovak 2% Iranian 1%

Political lean MEDSL · Texas

• 2024 margin: Solid R (+71.7) · D 13.8% · R 85.5%
• 2008→2024 swing: -36.7pp toward R · 2008: -35.1pp · 2024: -71.7pp
• All cycles: 2024: R+71.7 2020: R+68.6 2016: R+65.4 2012: R+44.1 2008: R+35.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.67%
• Current HPI: 106.4652
• 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

+12.2% since first listed

14 events — show timeline

• 2026-05-20 Pending — MARIS as Distributed by MLS Grid
• 2026-05-14 Price Changed $44,900 MARIS as Distributed by MLS Grid
• 2026-04-30 Price Changed $54,900 MARIS as Distributed by MLS Grid
• 2026-04-30 Price Changed $74,900 MARIS as Distributed by MLS Grid
• 2026-04-27 Price Changed $79,900 MARIS as Distributed by MLS Grid
• 2026-04-23 Price Changed $84,900 MARIS as Distributed by MLS Grid
• 2026-04-20 Price Changed $89,900 MARIS as Distributed by MLS Grid
• 2026-04-17 Listed $99,900 MARIS as Distributed by MLS Grid
• 2019-10-21 Sold (MLS) — SOMO
• 2019-10-21 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2019-10-11 Pending — MARIS as Distributed by MLS Grid
• 2019-09-25 Listed $24,900 MARIS as Distributed by MLS Grid
• 2019-09-24 Listed $24,900 SOMO
• 2019-05-24 Listed $40,000 SOMO