12405 NE 1240 Private Road · Bent Tree Harbor, MO 64776

$112,000

1 bd · 1.5 ba · 640 sqft · Other public records · 91 Days on market

Built 1982 1.60 ac lot $175/sqft · at area comps

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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 +10.9/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +3.2/10.0
• Schools +2.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0

Listing remarks MLS

Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

Key facts

• Walkout basement
• Open ceiling
• Hunting base

Tags

• A-FRAME CABIN
• WALKOUT BASEMENT
• FISHING GETAWAY
• HUNTING BASE
• OPEN CEILING
• FULLY FURNISHED

What this means for you Summary

Snapshot

• This is a 1-bed/1.5-bath other listed at $112k.

Deal economics

• At list price, monthly cash flow is $-49 ($-584/yr) — negative.
• To cash-flow at today's rent, offer at most $103k (7.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $78k (30.3% below list).
• Recommended offer: $78k (30.3% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.2% in Bent Tree Harbor — 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: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Lakeland R-III (rural): math 23% / reading 40% proficiency, ranked #269 of 324 in MO (top 83%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Lakeland Elem. (math 27% / reading 37%, grade F, #761 of 1,115 statewide, top 72%, 222 students, 66% FRL); Lakeland High (math 17% / reading 42%, grade F, #382 of 521 statewide, top 78%, 191 students, 53% FRL).
• Market conditions: 49 active listings in the ZIP; 3 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $12k of equity ($774 loan paydown + $11k appreciation (10.0% local appreciation)).
• St. Clair County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts; this cycle's ask has dropped $26k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $40k; list at $112k implies a 180% gain — meaningful room to come down on a strong offer.

Recommended offer $78,019 (30.3% 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. It's been on market 91 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.70% ✗
• Cap rate: 5.77%
• Cash-on-cash: -1.86%
• DSCR: 0.92
• GRM: 12.0

CMA / ARV

• ARV (median comp): $241,423
• List price: $112,000
• Delta: -53.61%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 22.9%
• Equity multiple: 2.84×
• Total profit: $57,842
• Equity at exit: $100,898

10-year hold

• IRR: 20.5%
• Equity multiple: 6.51×
• Total profit: $172,664
• Equity at exit: $217,591

Cash invested: $31,360 (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 64776

• Home prices YoY: 23.2%
• Active inventory: 49
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $780 medium
• Mortgage (P&I): −$587
• Tax from tax record: −$31 /mo · $372/yr
• Insurance: −$47
• HOA: −$0
• Vacancy / Maint / Mgmt: −$164
• Net cashflow: $-49

Break-even live

Break-even rent $842

Max offer price $103,399

Occupancy floor —

Sensitivity live

Price	-10% $15	-5% $-17	+0% $-49	+5% $-80	+10% $-112
Rent	-10% $-110	-5% $-80	+0% $-49	+5% $-18	+10% $13
Rate	-1.0pp $8	-0.5pp $-20	base $-49	+0.5pp $-78	+1.0pp $-107

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: $28,000
• Closing costs: $3,360
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-05-11
   historical Active Under Contract 1196-char remark

   Show marketing remark (1196 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

2. 2026-05-10
   status Pending 1199-char remark

   Show marketing remark (1199 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. Bordering Corp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’s or hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. The living room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

3. 2026-04-20
   price $112,000 1199-char remark

   Show marketing remark (1196 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

4. 2026-04-20
   price $112,000 1196-char remark

   Show marketing remark (1196 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

5. 2026-04-16
   status Active 1199-char remark

   Show marketing remark (1196 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

6. 2026-04-16
   status Active 1196-char remark

   Show marketing remark (1196 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

7. 2026-04-15
   historical Active Under Contract 1196-char remark

   Show marketing remark (1199 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. Bordering Corp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’s or hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. The living room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

8. 2026-04-15
   status Pending 1199-char remark

   Show marketing remark (1199 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. Bordering Corp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’s or hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. The living room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

9. 2026-04-02
   status Active 1199-char remark

   Show marketing remark (1196 chars)

   Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

10. 2026-04-02
    status Active 1196-char remark

    Show marketing remark (1196 chars)

    Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

11. 2026-03-18
    status Pending 1199-char remark

    Show marketing remark (1196 chars)

    Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

12. 2026-03-18
    historical Active Under Contract 1196-char remark

    Show marketing remark (1196 chars)

    Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

13. 2026-03-09
    price $129,900 1199-char remark

    Show marketing remark (1196 chars)

    Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

14. 2026-03-09
    price $129,900 1196-char remark

    Show marketing remark (1196 chars)

    Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

15. 2026-01-23
    listed $138,500 Active 1199-char remark

    Show marketing remark (1196 chars)

    Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

16. 2026-01-23
    listed $138,500 Active 1196-char remark

    Show marketing remark (1196 chars)

    Nestled in the woods on 1.6 peaceful acres, this charming A-frame cabin offers the perfect retreat for outdoor enthusiasts. BorderingCorp ground and located just minutes from Truman Lake with easy access at the Old Timers Boat Ramp, this property is a fisherman’sor hunter’s dream. The main level features warm wood floors and knotty pine walls that create a truly cozy, cabin-style atmosphere. Theliving room showcases a beautiful fireplace surrounded by stone, with an open ceiling that extends to the roof, highlighting the classic A-frame design. A convenient half bath is also located on the main level. Upstairs, the loft bedroom overlooks the living space and provides a comfortable and inviting sleeping area. The partially finished full walkout basement adds additional living space and includes a full bathroom and a laundry area, making the cabin ideal for extended stays or weekend getaways. Utilized as a 2nd bedroom and rec room. Offered fully furnished, this cabin is ready to enjoy from day one. Whether you’re seeking a private escape, a hunting base, or a fishing getaway near the lake, this property delivers rustic charm, comfort, and an unbeatable location.

17. 2014-09-19
    soldstatus
18. 2011-11-04
    soldstatus $40,000

ⓘ 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: $372 · $31/mo
• Projected year-2 tax: $1,086 · $91/mo
• Expected delta: +$714/yr (+$60/mo · 191.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% 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: $9,362
• − Mortgage interest: −$6,274
• − Property taxes: −$372
• − Insurance: −$560
• − Repairs & maintenance: −$749
• − Management: −$749
• − Depreciation: −$3,258
• Taxable loss: −$2,600
• Est. tax savings @ 24.0%: +$624
• After-tax cash flow: $40/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: Lakeland R-III
• NCES district ID: 2910520
• Math proficiency: 23% ▼ -6.00%
• Reading proficiency: 40% ▼ -1.00%
• Median HH income: $32,340
• Composite: 25.69/100
• National rank: #7388
• State rank: #269 of 324 in MO

Livability — Bent Tree Harbor

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 3,355

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 8,710 people
• By 2030: 8,281 · -4.9%
• By 2040: 7,481 · -14.1%
• By 2050: 6,814 · -21.8%
• By 2075: 5,836 · -33.0%
• By 2100: 4,989 · -42.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 4% Hispanic / Latino 3% Black 1%
• Common ancestry: Italian 3% Lithuanian 3% Serbian 2%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · German/W. Germanic 1%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+60.6) · D 19.2% · R 79.8%
• 2008→2024 swing: -38.7pp toward R · 2008: -21.9pp · 2024: -60.6pp
• All cycles: 2024: R+60.6 2020: R+59.2 2016: R+55.4 2012: R+33.7 2008: R+21.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 36.01%
• Current HPI: 190.9
• 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

+180.0% since first listed

18 events — show timeline

• 2026-05-11 Contingent — LOBR
• 2026-05-10 Pending — WCAR
• 2026-04-20 Price Changed $112,000 WCAR
• 2026-04-20 Price Changed $112,000 LOBR
• 2026-04-16 Relisted — WCAR
• 2026-04-16 Relisted — LOBR
• 2026-04-15 Contingent — LOBR
• 2026-04-15 Pending — WCAR
• 2026-04-02 Relisted — WCAR
• 2026-04-02 Relisted — LOBR
• 2026-03-18 Pending — WCAR
• 2026-03-18 Contingent — LOBR
• 2026-03-09 Price Changed $129,900 WCAR
• 2026-03-09 Price Changed $129,900 LOBR
• 2026-01-23 Listed $138,500 WCAR
• 2026-01-23 Listed $138,500 LOBR
• 2014-09-19 Sold (Public Records) — Public Records
• 2011-11-04 Sold (Public Records) $40,000 Public Records

Property tax history

+0.3%/yr

Latest (2024): $372 · +0.6% YoY. Source: county tax records.