110 Navajo St · Piedmont, MO 63957

$84,900

3 bd · 1.0 ba · 1,056 sqft · Other public records · 13 Days on market

Built 1973 9,827 sqft lot $80/sqft · 22% below area Est $109k · 22% under ↓ 11% 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 +26.7/30.0
• ARV discount +15.0/15.0
• DSCR +9.2/10.0
• Appreciation +7.9/10.0
• 1% rule +6.0/10.0
• Schools +2.7/10.0
• Livability +2.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

Key facts

• Open floor plan
• Storage shed
• Covered patio

Tags

• OPEN FLOOR PLAN
• STORAGE SHED
• COVERED PATIO
• ONE-CAR CARPORT

Property features AI

Finance

• Financial info: Lease not considered; Seller may consider concessions

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Electricity connected (single phase, 220 volts)
• Home design: Single family residence; One story; Private ownership
• Construction: Vinyl siding; Metal roof; House; built above grade (assessor records)
• Exterior features: Front porch; Shed(s); Storage; City lot with asphalt road frontage (75 x 131)

Interior

• Kitchen: Dishwasher; Electric range; Free-standing refrigerator
• Bedrooms: 3 bedrooms on the main level
• Flooring: Carpet
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Forced air heating (natural gas); Central air conditioning (electric)
• Interior features: Open floorplan; Storage
• Laundry & utility: Laundry on the main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $85k.

Deal economics

• At list price, monthly cash flow is $231 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($935 rent vs $85k).
• Cap rate 9.6% vs local median 4.3% in Piedmont — 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 52/100 on livability (#854 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Clearwater R-I (rural): math 33% / reading 33% proficiency, ranked #255 of 324 in MO (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Clearwater Elementary (math 42% / reading 32%, grade F, #611 of 1,115 statewide, top 59%, 414 students, 72% FRL); Clearwater High (math 34% / reading 57%, grade D-, #174 of 521 statewide, top 33%, 239 students, 55% FRL) — zoned schools at 64% FRL track the district average.
• Market conditions: 69 active listings in the ZIP.

Forward outlook

• In year one you build about $6k of equity ($587 loan paydown + $5k appreciation (5.9% local appreciation)).
• Wayne County population projected to shrink 9% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (5.9% appreciation + 3.0% rent growth), your $24k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 9 sale attempts since 4y 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.

Recommended offer $84,900

Questions for the listing agent

1. Built in 1973 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 1.10% ✓
• Cap rate: 9.55%
• Cash-on-cash: 11.65%
• DSCR: 1.52
• GRM: 7.6

CMA / ARV

• ARV (median comp): $109,287
• List price: $84,900
• Delta: -22.31%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

5.89% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 24.8%
• Equity multiple: 2.63×
• Total profit: $38,636
• Equity at exit: $52,802

10-year hold

• IRR: 23.4%
• Equity multiple: 5.30×
• Total profit: $102,216
• Equity at exit: $95,267

Cash invested: $23,772 (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 63957

• Home prices YoY: 3.7%
• Active inventory: 69
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $935 medium
• Mortgage (P&I): −$445
• Tax from tax record: −$27 /mo · $329/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$196
• Net cashflow: $231

Break-even live

Break-even rent $643

Max offer price $84,900

Occupancy floor 70%

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: $21,225
• Closing costs: $2,547
• Reserves months: —
• Total cash needed: —

Listing history 34 events

1. 2026-06-18
   days on market $84,900 Active 13 DOM
2. 2026-06-17
   days on market $84,900 Active 12 DOM
3. 2026-06-16
   days on market $84,900 Active 11 DOM
4. 2026-06-15
   days on market $84,900 Active 10 DOM
5. 2026-06-13
   days on market $84,900 Active 8 DOM
6. 2026-06-12
   days on market $84,900 Active 7 DOM
7. 2026-06-09
   days on market $84,900 Active 4 DOM
8. 2026-06-08
   days on market $84,900 Active 3 DOM
9. 2026-06-07
   days on market $84,900 Active 2 DOM
10. 2026-06-07
    remarks 506-char remark
11. 2026-06-07
    days on marketlisting id $84,900 Active 1 DOM
12. 2026-05-13
    listed $84,900 Active 456-char remark
13. 2024-09-20
    soldstatus Closed 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

14. 2024-09-20
    soldstatus

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

15. 2024-08-19
    status Pending 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

16. 2024-08-08
    status Active 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

17. 2024-07-24
    status Pending 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

18. 2024-07-15
    price $95,000 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

19. 2024-06-04
    price $100,000 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

20. 2024-05-07
    price $107,500 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

21. 2024-04-16
    status Active 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

22. 2024-04-10
    historical Active Under Contract 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

23. 2024-04-05
    listed $115,000 Active 344-char remark

    Show marketing remark (344 chars)

    Level yard, shade trees, 24 x 16 storage shed and covered patio, concrete drive and carport with storage are just a few things that come with this house. Home has new flooring, paint, light fixtures and metal roof. Roomy living room, dining room and kitchen,3 bedrooms, 1-bath and central h/a. Located in a nice area in town. Great first home!

24. 2023-06-16
    soldstatus Closed
25. 2023-06-16
    soldstatus
26. 2023-05-10
    status Pending
27. 2023-01-13
    status Active
28. 2022-12-07
    status Pending
29. 2022-10-19
    price $89,900
30. 2022-08-23
    status Active
31. 2022-07-27
    status Pending
32. 2022-07-08
    status Active
33. 2022-06-10
    status Pending
34. 2022-05-26
    listed $94,900 Active

ⓘ 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: $329 · $27/mo
• Projected year-2 tax: $824 · $69/mo
• Expected delta: +$494/yr (+$41/mo · 150.2%)

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

Taxation est. · year 1

• Rental income: $11,221
• − Mortgage interest: −$4,756
• − Property taxes: −$329
• − Insurance: −$424
• − Repairs & maintenance: −$898
• − Management: −$898
• − Depreciation: −$2,470
• Taxable income: $1,447
• Est. tax owed @ 24.0%: −$347
• After-tax cash flow: $2,421/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: Clearwater R-I
• NCES district ID: 2909750
• Math proficiency: 33% ▲ 1.00%
• Reading proficiency: 33% ▼ -6.00%
• Median HH income: $31,119
• Composite: 26.89/100
• National rank: #7095
• State rank: #255 of 324 in MO

Livability — Piedmont

• Score: 52/100
• State rank: #854
• US rank: #24925

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Piedmont, MO
• Population (ZIP): 5,068

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 13,005 people
• By 2030: 12,767 · -1.8%
• By 2040: 12,319 · -5.3%
• By 2050: 11,828 · -9.1%
• By 2075: 10,806 · -16.9%
• By 2100: 9,610 · -26.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (96%)
• Race & ethnicity: White 96% Two or more races 3%
• Common ancestry: Italian 2% Slovak 2% Lithuanian 1%
• Foreign-born: 0%

Political lean MEDSL · Wayne

• 2024 margin: Solid R (+72.6) · D 13.4% · R 86.0%
• 2008→2024 swing: -47.6pp toward R · 2008: -25.0pp · 2024: -72.6pp
• All cycles: 2024: R+72.6 2020: R+70.5 2016: R+64.4 2012: R+34.6 2008: R+25.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.89%
• Current HPI: 165.6832
• 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

-10.5% since first listed

24 events — show timeline

• 2026-06-05 Listed $84,900 MARIS as Distributed by MLS Grid
• 2026-05-13 Listed $84,900 MARIS as Distributed by MLS Grid
• 2024-09-20 Sold (Public Records) — Public Records
• 2024-09-20 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-08-19 Pending — MARIS as Distributed by MLS Grid
• 2024-08-08 Relisted — MARIS as Distributed by MLS Grid
• 2024-07-24 Pending — MARIS as Distributed by MLS Grid
• 2024-07-15 Price Changed $95,000 MARIS as Distributed by MLS Grid
• 2024-06-04 Price Changed $100,000 MARIS as Distributed by MLS Grid
• 2024-05-07 Price Changed $107,500 MARIS as Distributed by MLS Grid
• 2024-04-16 Relisted — MARIS as Distributed by MLS Grid
• 2024-04-10 Contingent — MARIS as Distributed by MLS Grid
• 2024-04-05 Listed $115,000 MARIS as Distributed by MLS Grid
• 2023-06-16 Sold (Public Records) — Public Records
• 2023-06-16 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2023-05-10 Pending — MARIS as Distributed by MLS Grid
• 2023-01-13 Relisted — MARIS as Distributed by MLS Grid
• 2022-12-07 Pending — MARIS as Distributed by MLS Grid
• 2022-10-19 Price Changed $89,900 MARIS as Distributed by MLS Grid
• 2022-08-23 Relisted — MARIS as Distributed by MLS Grid
• 2022-07-27 Pending — MARIS as Distributed by MLS Grid
• 2022-07-08 Relisted — MARIS as Distributed by MLS Grid
• 2022-06-10 Pending — MARIS as Distributed by MLS Grid
• 2022-05-26 Listed $94,900 MARIS as Distributed by MLS Grid

Property tax history

+1.3%/yr

Latest (2025): $329 · +12.3% YoY. Source: county tax records.