808 Northridge Dr · Marthasville, MO 63357

$275,000

4 bd · 2.0 ba · 1,288 sqft · Other public records · 4 Days on market

Built 1996 0.28 ac lot

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Why this score? — see what drove the D- 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 +12.2/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• DSCR +3.6/10.0
• Livability +3.6/5.0
• 1% rule +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Get ready to fall in love with this vibrant 4-bedroom walk-out ranch that’s bursting with charm and move-in-ready updates! Step inside to an open-concept main level featuring a bright, spacious living room, fresh paint, and brand-new carpet installed June 2026 - everything feels crisp, clean, and ready for your next chapter. But the real fun begins outside! Your backyard is a summer-lover’s dream with a deck, patio, and an above-ground pool. .. perfect for grilling, chilling, and making the most of those hot Missouri days. Whether you're hosting friends or enjoying a quiet evening under the stars, this space delivers. This fantastic home is ready for its new owner, and you won&r

Key facts

• Backyard
• Deck
• Patio

Tags

• OPEN-CONCEPT MAIN LEVEL
• BACKYARD
• DECK
• PATIO
• ABOVE-GROUND POOL

Property features AI

Finance

• Other: Living area 2,061 (per public records); Above-grade finished area and below-grade finished area reported in public records
• Financial info: Auction property (auction indicated); Seller may consider concessions

Exterior

• Parking: Attached front-facing garage; 2-car garage
• Utilities: Public water; Public sewer; 220 volt electric service; Cable available; Electricity connected; Natural gas available; Sewer connected; Water connected
• Home design: Single family residence; One-level home (with finished lower level); Residential property
• Construction: Concrete, frame and vinyl siding construction
• Exterior features: Deck; Patio; Fenced backyard; Above-ground pool

Interior

• Bedrooms: 4 bedrooms total; 3 bedrooms on the main level; 1 bedroom on the lower level
• Bathrooms: 2 full bathrooms (both on the main level)
• Heating & cooling: Electric heating; Central air conditioning; Ceiling fans
• Interior features: Basement with full finish, walk-out access, egress window and 8+ ft poured construction; Ceiling fans; Central air

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath other listed at $275k.

Deal economics

• At list price, monthly cash flow is $-54 ($-648/yr) — negative.
• To cash-flow at today's rent, offer at most $265k (3.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $215k (21.8% below list).
• Recommended offer: $215k (21.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#87 in MO) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Washington (town): math 41% / reading 55% proficiency, ranked #46 of 324 in MO (top 14%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Marthasville Elementary (math 37% / reading 42%, grade F, #537 of 1,115 statewide, top 53%, 181 students, 37% FRL); Washington High School (math 29% / reading 73%, grade D+, #109 of 521 statewide, top 21%, 1,322 students, 20% FRL) — zoned schools at 28% FRL track the district average.
• Market conditions: 100 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 424 units permitted in Warren County in 2024 (126 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 $8k of value loss. Plan a longer hold.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $215,000 (21.8% below list)

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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 0.78% ✗
• Cap rate: 6.06%
• Cash-on-cash: -0.84%
• DSCR: 0.96
• GRM: 10.7

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: -17.7%
• Equity multiple: 0.38×
• Total profit: $-48,057
• Equity at exit: $41,003

10-year hold

• IRR: -9.9%
• Equity multiple: 0.40×
• Total profit: $-46,511
• Equity at exit: $23,777

Cash invested: $77,000 (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 63357

• Active inventory: 100
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $2,150 medium
• Mortgage (P&I): −$1,442
• Tax from tax record: −$196 /mo · $2,349/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$452
• Net cashflow: $-54

Break-even live

Break-even rent $2,218

Max offer price $265,467

Occupancy floor 98%

Sensitivity live

Price	-10% $102	-5% $24	+0% $-54	+5% $-132	+10% $-210
Rent	-10% $-224	-5% $-139	+0% $-54	+5% $31	+10% $116
Rate	-1.0pp $85	-0.5pp $16	base $-54	+0.5pp $-125	+1.0pp $-198

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
112 Rottmann Dr Marthasville, MO	3.0	3.0	1350	$2,150	$1.59	44d	1	0.19mi

Listing history 5 events

1. 2026-06-18
   days on market $275,000 Coming Soon 4 DOM
2. 2026-06-17
   days on market $275,000 Coming Soon 3 DOM
3. 2026-06-16
   days on market $275,000 Coming Soon 2 DOM
4. 2026-06-15
   remarks 687-char remark
5. 2026-06-15
   listed $275,000 Coming Soon 1 DOM

ⓘ 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: $2,349 · $196/mo
• Projected year-2 tax: $2,668 · $222/mo
• Expected delta: +$319/yr (+$27/mo · 13.6%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 21 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: $25,800
• − Mortgage interest: −$15,404
• − Property taxes: −$2,349
• − Insurance: −$1,375
• − Repairs & maintenance: −$2,064
• − Management: −$2,064
• − Depreciation: −$8,000
• Taxable loss: −$5,456
• Est. tax savings @ 24.0%: +$1,310
• After-tax cash flow: $662/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: Washington
• NCES district ID: 2931110
• Math proficiency: 41% ▼ -3.00%
• Reading proficiency: 55% ▼ -1.00%
• Median HH income: $58,344
• Composite: 41.87/100
• National rank: #3372
• State rank: #46 of 324 in MO

Livability — Marthasville

• Score: 72/100
• State rank: #87
• US rank: #5790

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Marthasville, MO
• Population (ZIP): 6,593

Population outlook (Warren County) Hauer SSP2

• Today (2025): 35,105 people
• By 2030: 35,605 · +1.4%
• By 2040: 36,047 · +2.7%
• By 2050: 35,479 · +1.1%
• By 2075: 33,325 · -5.1%
• By 2100: 28,282 · -19.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Asian 2% Two or more races 2% Black 1%
• Common ancestry: Lithuanian 3% Italian 2% Romanian 2%
• Foreign-born: 0%
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Warren

• 2024 margin: Solid R (+49.5) · D 24.7% · R 74.2% · Other 1.0%
• 2008→2024 swing: -36.9pp toward R · 2008: -12.6pp · 2024: -49.5pp
• All cycles: 2024: R+49.5 2020: R+46.0 2016: R+45.6 2012: R+26.8 2008: R+12.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -98.39%
• Current HPI: 165.0027
• 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

1 event — show timeline

• 2026-06-15 Coming Soon $275,000 MARIS as Distributed by MLS Grid

Property tax history

+1.9%/yr

Latest (2025): $2,349 · +9.2% YoY. Source: county tax records.