2471 Mohawk Ln · Sunrise Beach, MO 65065

$1

2 bd · 1.5 ba · 1,160 sqft · SingleFamily · 79 Days on market

Built 1961 0.97 ac lot

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Schools +4.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Cash flow +1.7/30.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Online-Only Auction – Premier Point Property on Lake of the Ozarks Outstanding opportunity on the iconic Lake of the Ozarks! This online-only auction features a rare .97± acre first-tier point lot offering approximately 465± feet of shoreline on the main channel. Positioned on a beautiful point with water on two sides, this property delivers breathtaking year-round views and incredible lake presence. The gently sloping yard provides excellent access to the water, and a permitted 2-slip dock is already in place — ready for immediate enjoyment. An older home currently sits on the property, and utilities are already in place for your future dream home build. The true value is in the land, location, and extensive shoreline — opportunities like this are becoming increasingly rare. Conveniently located close to dining, shopping, and lake amenities, this property combines privacy, views, and accessibility. Online-only bidding. Property sells subject to auction terms and conditions. Rare main channel frontage. Nearly an acre. Expansive shoreline. Don’t miss this chance to secure a premier Lake of the Ozarks property at auction There will be an open house on Saturday April 25 from 8:00 AM to 2:00 PM https://www.ltdauction.com/auctions/detail/bw158087 Auction begins May 18, 2026

Key facts

• Gently sloping yard
• First-tier point lot
• 0.97 acre lot

Tags

• FIRST-TIER POINT LOT
• 465 FEET OF SHORELINE
• GENTLY SLOPING YARD
• PERMITTED 2-SLIP DOCK
• UTILITIES ALREADY IN PLACE
• RARE MAIN CHANNEL FRONTAGE

🔨 Auction listing. The $1 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $321,033 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $1.

Deal economics

• At list price, monthly cash flow is $-1k ($-15k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $1).
• Cap rate 1.7% vs local median 0.9% in Sunrise Beach — 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 65/100 on livability (#280 in MO) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D+, amenities F, commute F.
• Camdenton R-III (rural): math 46% / reading 48% proficiency, ranked #68 of 324 in MO (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 376 active listings in the ZIP; 272 units permitted in Camden County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Camden County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 79 days — a 6% lower offer ($0) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: property tax is 481550.1% of price.
• Climate carrying-cost: moderate flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $1

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 79 days. Have you received any prior offers? Is the seller open to a 5% concession, seller financing, or rate buy-down credit?
3. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
10. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
11. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
12. 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.
13. 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.
14. 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: 0.39% ✗
• Cap rate: 1.69%
• Cash-on-cash: -16.45%
• DSCR: 0.27
• GRM: 21.4

CMA / ARV

• ARV (median comp): $321,033
• List price: $1
• Delta: -100.00%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -48.6%
• Equity multiple: -0.45×
• Total profit: $-130,504
• Equity at exit: $47,867

10-year hold

• IRR: -94.4%
• Equity multiple: -1.39×
• Total profit: $-214,647
• Equity at exit: $27,757

Cash invested: $89,889 (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 65065

• Home prices YoY: -28.7%
• Active inventory: 376

Monthly cashflow live

• Estimated rent: $1,248 medium
• Mortgage (P&I): −$1,684
• Tax est. 1.5%: −$401 /mo · $4,816/yr
• Insurance: −$134
• HOA: −$0
• Vacancy / Maint / Mgmt: −$262
• Net cashflow: $-1,233

Break-even live

Break-even rent $2,808

Max offer price $142,682

Occupancy floor —

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: $80,258
• Closing costs: $9,631
• Reserves months: —
• Total cash needed: —

Listing history 1 events

1. 2026-03-10
   listed $1 Active 1335-char remark

   Show marketing remark (1335 chars)

   Online-Only Auction – Premier Point Property on Lake of the Ozarks Outstanding opportunity on the iconic Lake of the Ozarks! This online-only auction features a rare .97± acre first-tier point lot offering approximately 465± feet of shoreline on the main channel. Positioned on a beautiful point with water on two sides, this property delivers breathtaking year-round views and incredible lake presence. The gently sloping yard provides excellent access to the water, and a permitted 2-slip dock is already in place — ready for immediate enjoyment. An older home currently sits on the property, and utilities are already in place for your future dream home build. The true value is in the land, location, and extensive shoreline — opportunities like this are becoming increasingly rare. Conveniently located close to dining, shopping, and lake amenities, this property combines privacy, views, and accessibility. Online-only bidding. Property sells subject to auction terms and conditions. Rare main channel frontage. Nearly an acre. Expansive shoreline. Don’t miss this chance to secure a premier Lake of the Ozarks property at auction There will be an open house on Saturday April 25 from 8:00 AM to 2:00 PM https://www.ltdauction.com/auctions/detail/bw158087 Auction begins May 18, 2026

ⓘ 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 5/10 Major FEMA zone X (unshaded) · 26% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% 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: $14,978
• − Mortgage interest: −$17,983
• − Property taxes: −$4,816
• − Insurance: −$1,605
• − Repairs & maintenance: −$1,198
• − Management: −$1,198
• − Depreciation: −$9,339
• Taxable loss: −$21,161
• Est. tax savings @ 24.0%: +$5,079
• After-tax cash flow: $-9,712/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: Camdenton R-III
• NCES district ID: 2906990
• Math proficiency: 46% ▲ 10.00%
• Reading proficiency: 48% ▲ 1.00%
• Median HH income: $46,496
• Composite: 39.96/100
• National rank: #3838
• State rank: #68 of 324 in MO

Livability — Sunrise Beach

• Score: 65/100
• State rank: #280
• US rank: #13077

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Camden County · 21,945 people
• Metro: nan
• Population (ZIP): 7,197
• Household income: $60,785
• Rent vs Own: 32.6% rent · 67.4% own
• Severe rent burden: 129.0

Population outlook (Camden County) Hauer SSP2

• Today (2025): 44,585 people
• By 2030: 44,476 · -0.2%
• By 2040: 43,513 · -2.4%
• By 2050: 41,705 · -6.5%
• By 2075: 36,903 · -17.2%
• By 2100: 30,164 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 8% Black 2% Two or more races 2%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Lithuanian 2% Romanian 2% Iranian 1%
• Foreign-born: 5% · Canada
• Languages at home: 92% English-only · Spanish 7%

Political lean MEDSL · Camden

• 2024 margin: Solid R (+54.3) · D 22.4% · R 76.7%
• 2008→2024 swing: -25.8pp toward R · 2008: -28.5pp · 2024: -54.3pp
• All cycles: 2024: R+54.3 2020: R+53.2 2016: R+54.2 2012: R+39.3 2008: R+28.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -70.69%
• Current HPI: 175.9683
• Rent YoY: —
• Metro: nan
• 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