4004 County Road 436 · New Bloomfield, MO 65063

$120,000

2 bd · 1.0 ba · 1,120 sqft · SingleFamily public records · 29 Days on market

Built 1981 1.00 ac lot

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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
• Schools +3.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Tucked away on one acre, amongst mature trees on a partially wooded lot, this unique earth home offers the perfect blend of privacy, character, and natural beauty. Surrounded by the peaceful countryside, this property creates a serene retreat while still being conveniently located near town. The earth home design provides a cozy atmosphere and energy efficiency. Whether you're looking for a secluded homestead, weekend escape, or a property with distinctive character, this one-of-a-kind setting is full of potential and ready to make your own.

Key facts

• Partially wooded lot
• Energy efficiency
• Mature trees

Tags

• PARTIALLY WOODED LOT
• MATURE TREES
• ENERGY EFFICIENCY
• DISTINCTIVE CHARACTER

Property features AI

Exterior

• Parking: Open parking; no garage
• Home design: Single Family Residence
• Exterior features: Approximately 1 acre lot; Zoned R-1 One-Family Dwelling

Interior

• Bathrooms: 1 full bathroom
• Interior features: Total of 5 rooms

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $702 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $118k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#365 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• New Bloomfield R-III (rural): math 35% / reading 39% proficiency, ranked #165 of 324 in MO (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: New Bloomfield Elem. (math 27% / reading 32%, grade F, #813 of 1,115 statewide, top 75%, 358 students, 34% FRL); New Bloomfield High (math 42% / reading 47%, grade F, #179 of 521 statewide, top 39%, 307 students, 38% FRL) — zoned schools at 36% FRL track the district average.
• Market conditions: 35 active listings in the ZIP; 40 units permitted in Callaway County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $830 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($118k) is reasonable based on typical stale-listing flexibility.

Recommended offer $118,200 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
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: 1.50% ✓
• Cap rate: 13.32%
• Cash-on-cash: 25.09%
• DSCR: 2.12
• GRM: 5.5

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: 18.5%
• Equity multiple: 1.75×
• Total profit: $25,256
• Equity at exit: $17,892

10-year hold

• IRR: 26.9%
• Equity multiple: 3.36×
• Total profit: $79,444
• Equity at exit: $10,375

Cash invested: $33,600 (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 65063

• Home prices YoY: -26.8%
• Active inventory: 35
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,803 medium
• Mortgage (P&I): −$629
• Tax from tax record: −$42 /mo · $509/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $702

Break-even live

Break-even rent $914

Max offer price $120,000

Occupancy floor 56%

Sensitivity live

Price	-10% $770	-5% $736	+0% $702	+5% $668	+10% $635
Rent	-10% $560	-5% $631	+0% $702	+5% $774	+10% $845
Rate	-1.0pp $763	-0.5pp $733	base $702	+0.5pp $671	+1.0pp $640

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-06-19
   days on market $120,000 Active 29 DOM
2. 2026-06-18
   days on market $120,000 Active 28 DOM
3. 2026-06-17
   days on market $120,000 Active 27 DOM
4. 2026-06-16
   days on market $120,000 Active 26 DOM
5. 2026-06-15
   days on market $120,000 Active 25 DOM
6. 2026-06-14
   days on market $120,000 Active 23 DOM
7. 2026-06-13
   days on market $120,000 Active 22 DOM
8. 2026-06-10
   days on market $120,000 Active 20 DOM
9. 2026-06-09
   days on market $120,000 Active 19 DOM
10. 2026-06-08
    days on market $120,000 Active 18 DOM
11. 2026-06-07
    days on market $120,000 Active 17 DOM
12. 2026-06-02
    days on market $120,000 Active 12 DOM
13. 2026-06-01
    days on market $120,000 Active 11 DOM
14. 2026-05-31
    days on market $120,000 Active 10 DOM
15. 2026-05-30
    days on market $120,000 Active 9 DOM
16. 2026-05-22
    listed $120,000 Active
17. 2022-05-16
    soldstatus
18. 1988-06-13
    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: $509 · $42/mo
• Projected year-2 tax: $1,164 · $97/mo
• Expected delta: +$655/yr (+$55/mo · 128.8%)

ⓘ 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 3/10 Moderate 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,633
• − Mortgage interest: −$6,722
• − Property taxes: −$509
• − Insurance: −$600
• − Repairs & maintenance: −$1,731
• − Management: −$1,731
• − Depreciation: −$3,491
• Taxable income: $6,850
• Est. tax owed @ 24.0%: −$1,644
• After-tax cash flow: $6,786/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: New Bloomfield R-III
• NCES district ID: 2921875
• Math proficiency: 35% ▼ -5.00%
• Reading proficiency: 39% ▼ -6.00%
• Median HH income: $60,892
• Composite: 33.04/100
• National rank: #5574
• State rank: #165 of 324 in MO

Livability — New Bloomfield

• Score: 63/100
• State rank: #365
• US rank: #16061

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 4,180
• Population (ZIP): 4,180

Population outlook (Callaway County) Hauer SSP2

• Today (2025): 45,390 people
• By 2030: 45,493 · +0.2%
• By 2040: 45,092 · -0.7%
• By 2050: 44,069 · -2.9%
• By 2075: 41,875 · -7.7%
• By 2100: 38,094 · -16.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Italian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Callaway

• 2024 margin: Solid R (+43.3) · D 27.6% · R 70.9% · Other 1.5%
• 2008→2024 swing: -23.6pp toward R · 2008: -19.7pp · 2024: -43.3pp
• All cycles: 2024: R+43.3 2020: R+42.3 2016: R+42.2 2012: R+31.1 2008: R+19.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.75%
• Current HPI: 206.671
• 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

3 events — show timeline

• 2026-05-22 Listed $120,000 CBORMLS
• 2022-05-16 Sold (Public Records) — Public Records
• 1988-06-13 Sold (Public Records) — Public Records

Property tax history

+3.4%/yr

Latest (2025): $509 · +0.3% YoY. Source: county tax records.