512 W 11th St · Trenton, MO 64683

$99,900

5 bd · 1.0 ba · 2,238 sqft · SingleFamily public records · 18 Days on market

Built 1925 10,018 sqft lot Est $170k · 41% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.1/10.0
• Livability +3.8/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

Key facts

• Newer roof
• Corner lot
• Updated plumbing

Tags

• CORNER LOT
• UPDATED PLUMBING
• NEWER ROOF
• SPACIOUS PRIMARY RESIDENCE

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $416 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $98k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.3% vs local median 6.4% in Trenton — 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 76/100 on livability (#49 in MO, #3,686 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, employment C-, amenities F.
• Trenton R-IX (town): math 28% / reading 43% proficiency, ranked #223 of 324 in MO (top 69%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 51 active listings in the ZIP; 2 units permitted in Grundy County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Grundy County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($98k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y 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.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $98,401 (1.5% below list)

Questions for the listing agent

1. Built in 1925 — 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. 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.
4. 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.
5. 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: 1.31% ✓
• Cap rate: 11.29%
• Cash-on-cash: 17.85%
• DSCR: 1.79
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $170,088
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
512 W 11th St	0.00mi	5/1.0	2,238 (0%)	0mo	$99,900	$45	100
421 W 12th St	0.11mi	5/2.0	2,460 (+10%)	9mo	$49,900	$20	67
432 W Crowder Rd	0.19mi	4/2.0 (-1)	2,500 (+12%)	1mo	$109,000	$44	62
141 E 5th St	0.37mi	4/2.0 (-1)	2,288 (+2%)	18mo	$194,900	$85	55
403 E 8th Ct	0.47mi	5/2.0	1,984 (-11%)	2mo	$149,900	$76	54
501 Washington St	0.29mi	4/2.0 (-1)	1,932 (-14%)	10mo	$199,900	$103	46

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: 9.3%
• Equity multiple: 1.37×
• Total profit: $10,290
• Equity at exit: $14,895

10-year hold

• IRR: 18.5%
• Equity multiple: 2.54×
• Total profit: $42,993
• Equity at exit: $8,638

Cash invested: $27,972 (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 64683

• Home prices YoY: -14.6%
• Active inventory: 51
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,313 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$56 /mo · $671/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$276
• Net cashflow: $416

Break-even live

Break-even rent $787

Max offer price $99,900

Occupancy floor 63%

Sensitivity live

Price	-10% $473	-5% $444	+0% $416	+5% $388	+10% $360
Rent	-10% $312	-5% $364	+0% $416	+5% $468	+10% $520
Rate	-1.0pp $466	-0.5pp $441	base $416	+0.5pp $390	+1.0pp $364

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-03-20
   status Pending
2. 2026-03-20
   price $99,900
3. 2026-03-02
   listed $104,900 Active
4. 2026-02-05
   historical
5. 2026-01-12
   price $129,900
6. 2025-12-18
   listed $169,900 Active
7. 2024-02-02
   soldstatus Closed 852-char remark

   Show marketing remark (852 chars)

   Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

8. 2024-01-23
   status Pending 852-char remark

   Show marketing remark (852 chars)

   Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

9. 2024-01-19
   status Active 852-char remark

   Show marketing remark (852 chars)

   Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

10. 2024-01-14
    status Pending 852-char remark

    Show marketing remark (852 chars)

    Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

11. 2024-01-10
    price $99,900 852-char remark

    Show marketing remark (852 chars)

    Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

12. 2023-12-27
    price $109,900 852-char remark

    Show marketing remark (852 chars)

    Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

13. 2023-11-21
    price $114,900 852-char remark

    Show marketing remark (852 chars)

    Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

14. 2023-11-06
    listed $119,900 Active 852-char remark

    Show marketing remark (852 chars)

    Come and take a look at this remodeled 5 bedroom home! Situated on a secluded near quarter acre lot, this property is sure to impress. Downstairs you will find a stunning living room, with a convenient open-concept layout. On the main level there are two bedrooms as well as the bathroom. The kitchen is complete with a large sink, as well as concrete countertops. Also on the main level is a possible 6th non-conforming bedroom, that could alternatively be turned into a conformable sun room. Heading upstairs, you will find three additional bedrooms, as well as an impressive eight small closets for storage. Outside the property is tucked between a tree-line giving it a feeling of privacy. Additionally there is an inactive koi pond in the front yard that would be a great flower bed or garden. Come take a look at this spectacular property today!!

ⓘ 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: $671 · $56/mo
• Projected year-2 tax: $969 · $81/mo
• Expected delta: +$298/yr (+$25/mo · 44.4%)

ⓘ 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 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥106°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,760
• − Mortgage interest: −$5,596
• − Property taxes: −$671
• − Insurance: −$500
• − Repairs & maintenance: −$1,261
• − Management: −$1,261
• − Depreciation: −$2,906
• Taxable income: $3,566
• Est. tax owed @ 24.0%: −$856
• After-tax cash flow: $4,137/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: Trenton R-IX
• NCES district ID: 2930360
• Math proficiency: 28% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $37,586
• Composite: 29.52/100
• National rank: #6499
• State rank: #223 of 324 in MO

Livability — Trenton

• Score: 76/100
• State rank: #49
• US rank: #3686

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Trenton, MO
• City population: 7,648
• Population (ZIP): 7,648

Population outlook (Grundy County) Hauer SSP2

• Today (2025): 9,586 people
• By 2030: 9,298 · -3.0%
• By 2040: 8,783 · -8.4%
• By 2050: 8,262 · -13.8%
• By 2075: 7,011 · -26.9%
• By 2100: 5,650 · -41.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 5% Hispanic / Latino 3% Asian 1%
• Common ancestry: Serbian 2% Portuguese 1% Slovak 1%
• Foreign-born: 1% · China
• Languages at home: 98% English-only · German/W. Germanic 1% Chinese 1% Spanish 1%

Political lean MEDSL · Grundy

• 2024 margin: Solid R (+63.6) · D 17.8% · R 81.4%
• 2008→2024 swing: -33.5pp toward R · 2008: -30.1pp · 2024: -63.6pp
• All cycles: 2024: R+63.6 2020: R+62.8 2016: R+60.8 2012: R+41.6 2008: R+30.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.24%
• Current HPI: 188.2901
• 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

14 events — show timeline

• 2026-03-20 Pending — Heartland MLS as Distributed by MLS Grid
• 2026-03-20 Price Changed $99,900 Heartland MLS as Distributed by MLS Grid
• 2026-03-02 Listed $104,900 Heartland MLS as Distributed by MLS Grid
• 2026-02-05 Listing Removed — Heartland MLS as Distributed by MLS Grid
• 2026-01-12 Price Changed $129,900 Heartland MLS as Distributed by MLS Grid
• 2025-12-18 Listed $169,900 Heartland MLS as Distributed by MLS Grid
• 2024-02-02 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2024-01-23 Pending — Heartland MLS as Distributed by MLS Grid
• 2024-01-19 Relisted — Heartland MLS as Distributed by MLS Grid
• 2024-01-14 Pending — Heartland MLS as Distributed by MLS Grid
• 2024-01-10 Price Changed $99,900 Heartland MLS as Distributed by MLS Grid
• 2023-12-27 Price Changed $109,900 Heartland MLS as Distributed by MLS Grid
• 2023-11-21 Price Changed $114,900 Heartland MLS as Distributed by MLS Grid
• 2023-11-06 Listed $119,900 Heartland MLS as Distributed by MLS Grid

Property tax history

+4.5%/yr

Latest (2025): $671 · +14.5% YoY. Source: county tax records.