Royal II Plan · Wentzville, MO 63385

$327,900

4 bd · 2.5 ba · 2,001 sqft · SingleFamily · 156 Days on market

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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
• Cash flow +6.5/30.0
• Schools +4.3/10.0
• Livability +4.0/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• DSCR +0.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This flexible two story home features 4 bedrooms and 2.5 baths with 7 different exterior elevation choices. The main floor is great for entertaining, with a kitchen that opens to the breakfast room and family room, plus a formal living room/dining room for additional space. Second floor features the master suite with private bath and 3 secondary bedrooms with hall bath. Additional choices include luxury kitchen floorplan, bay windows or window wall, fireplace, and luxury master bath.

Key facts

• Luxury master bath
• Formal living room
• Bay windows

Tags

• FORMAL LIVING ROOM
• MASTER SUITE WITH PRIVATE BATH
• LUXURY KITCHEN FLOORPLAN
• BAY WINDOWS
• FIREPLACE
• LUXURY MASTER BATH

🏗️ New construction. The $327,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $385,714.

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $328k.

Deal economics

• At list price, monthly cash flow is $-650 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $292k (11.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $255k (22.2% below list).
• Recommended offer: $255k (22.2% below list) — sets the bar for 1% rule.
• Cap rate 4.3% vs local median 3.4% in Wentzville — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 81/100 on livability (#14 in MO, #1,402 nationally) — a professional / high-income tenant draw. Strengths: crime A+, employment A+, housing A+; Watch: commute F.
• Wentzville R-IV (suburban): math 44% / reading 52% proficiency, ranked #32 of 324 in MO (top 10%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; only 18% free/reduced lunch — higher-income household profile.
• Zoned schools: Peine Ridge Elem. (math 38% / reading 40%, grade F, #592 of 1,115 statewide, top 54%, 531 students, 20% FRL); Wentzville Middle (math 40% / reading 42%, grade F, #172 of 391 statewide, top 46%, 794 students, 19% FRL); Emil E. Holt Sr. High (math 48% / reading 58%, grade C-, #88 of 521 statewide, top 17%, 1,273 students, 12% FRL) — zoned schools at 17% FRL track the district average.
• Market conditions: Rents rising (+4.0%/yr); 700 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 2,021 units permitted in St. Charles County in 2024 (568 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
• St. Charles County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 156 days — a 12% lower offer ($289k) is reasonable based on typical stale-listing flexibility.

Recommended offer $255,163 (22.2% 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 156 days. Have you received any prior offers? Is the seller open to a 22% 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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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?
7. 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.
8. 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.
9. 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: 0.66% ✗
• Cap rate: 4.27%
• Cash-on-cash: -7.22%
• DSCR: 0.68
• GRM: 12.6

CMA / ARV

• ARV (median comp): $385,714
• List price: $327,900
• Delta: -14.99%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
316 Creek Sound Ct	0.13mi	4/2.5	1,890 (-6%)	7mo	$372,000	$197	79
113 Katie Lynn Ct	0.30mi	3/3.0 (-1)	1,952 (-2%)	3mo	$340,000	$174	73
1032 Westhaven Blvd	0.43mi	4/2.5	2,081 (+4%)	2mo	$392,973	$189	72
4702 Providence Woods Cir	0.37mi	4/2.5	2,080 (+4%)	7mo	$375,000	$180	70
225 Schroeder Grove Dr	0.41mi	3/2.5 (-1)	2,068 (+3%)	7mo	$389,900	$189	64
1062 Westhaven Blvd	0.57mi	4/2.5	1,902 (-5%)	6mo	$379,900	$200	61
518 Westhaven Manor Dr	0.58mi	4/2.5	1,902 (-5%)	6mo	$379,900	$200	60
212 Westhaven Circle Dr	0.30mi	3/2.5 (-1)	1,728 (-14%)	6mo	$359,900	$208	54
1033 Westhaven Blvd	0.45mi	3/2.5 (-1)	1,728 (-14%)	1mo	$364,900	$211	50
347 Heather Mill Dr	0.47mi	3/2.5 (-1)	1,728 (-14%)	6mo	$349,900	$202	45
1916 Providence Estate Dr	0.59mi	3/2.0 (-1)	1,703 (-15%)	4mo	$368,999	$217	37
2053 Lick Creek Dr	0.71mi	3/3.0 (-1)	1,733 (-13%)	8mo	$384,500	$222	32

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 · 3.96% rent growth · sell at horizon

5-year hold

• IRR: -27.8%
• Equity multiple: 0.06×
• Total profit: $-101,362
• Equity at exit: $57,511

10-year hold

• IRR: -23.1%
• Equity multiple: -0.21×
• Total profit: $-130,987
• Equity at exit: $33,350

Cash invested: $108,000 (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 63385

• Home prices YoY: -31.2%
• Rents YoY: 4.0%
• Active inventory: 700
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $2,552 high
• Mortgage (P&I): −$2,023
• Tax est. 1.5%: −$482 /mo · $5,786/yr
• Insurance: −$161
• HOA: −$0
• Vacancy / Maint / Mgmt: −$536
• Net cashflow: $-650

Break-even live

Break-even rent $3,374

Max offer price $291,688

Occupancy floor —

Sensitivity live

Price	-10% $-383	-5% $-517	+0% $-650	+5% $-783	+10% $-916
Rent	-10% $-851	-5% $-751	+0% $-650	+5% $-549	+10% $-448
Rate	-1.0pp $-456	-0.5pp $-552	base $-650	+0.5pp $-750	+1.0pp $-851

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: $96,429
• Closing costs: $11,571
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
314 Heather Mill Dr Wentzville, MO	3.0	2.0	1525	$2,576	$1.69	9d	1	0.32mi
539 Great Oaks Meadow Dr Wentzville, MO	3.0	2.5	1894	$2,479	$1.31	0d	1	0.88mi
443 Sweetgrass Dr Wentzville, MO	3.0	2.0	1522	$2,800	$1.84	25d	1	1.00mi
714 Switchgrass Dr Wentzville, MO	4.0	2.5	1912	$2,875	$1.50	45d	1	1.02mi
422 Sweetgrass Dr Wentzville, MO	3.0	2.5	1900	$2,900	$1.53	0d	1	1.05mi
5542 Autumn Trace Pkwy Wentzville, MO	3.0	2.0	1440	$2,400	$1.67	19d	1	1.06mi
310 Rustic Oaks Dr Wentzville, MO	3.0	2.0	1753	$2,271	$1.30	25d	1	1.08mi
931 Mule Creek Dr Wentzville, MO	3.0	2.5	2211	$2,200	$1.00	18d	1	1.17mi
1503 Jordan Lee Ct Wentzville, MO	3.0	2.5	1400	$2,196	$1.57	13d	1	1.24mi

Listing history 18 events

1. 2026-06-21
   days on market $327,900 Active 156 DOM
2. 2026-06-18
   days on market $327,900 Active 153 DOM
3. 2026-06-17
   days on market $327,900 Active 152 DOM
4. 2026-06-16
   days on market $327,900 Active 151 DOM
5. 2026-06-15
   days on market $327,900 Active 150 DOM
6. 2026-06-13
   days on market $327,900 Active 148 DOM
7. 2026-06-13
   days on market $327,900 Active 147 DOM
8. 2026-06-09
   days on market $327,900 Active 144 DOM
9. 2026-06-08
   days on market $327,900 Active 143 DOM
10. 2026-06-08
    days on market $327,900 Active 142 DOM
11. 2026-06-05
    days on market $327,900 Active 139 DOM
12. 2026-06-03
    days on market $327,900 Active 138 DOM
13. 2026-06-02
    days on market $327,900 Active 137 DOM
14. 2026-06-01
    days on market $327,900 Active 136 DOM
15. 2026-05-31
    days on market $327,900 Active 135 DOM
16. 2026-04-01
    price $327,900 488-char remark

    Show marketing remark (488 chars)

    This flexible two story home features 4 bedrooms and 2.5 baths with 7 different exterior elevation choices. The main floor is great for entertaining, with a kitchen that opens to the breakfast room and family room, plus a formal living room/dining room for additional space. Second floor features the master suite with private bath and 3 secondary bedrooms with hall bath. Additional choices include luxury kitchen floorplan, bay windows or window wall, fireplace, and luxury master bath.

17. 2026-03-01
    price $325,900 488-char remark

    Show marketing remark (488 chars)

    This flexible two story home features 4 bedrooms and 2.5 baths with 7 different exterior elevation choices. The main floor is great for entertaining, with a kitchen that opens to the breakfast room and family room, plus a formal living room/dining room for additional space. Second floor features the master suite with private bath and 3 secondary bedrooms with hall bath. Additional choices include luxury kitchen floorplan, bay windows or window wall, fireplace, and luxury master bath.

18. 2026-01-16
    listed $322,900 Active 488-char remark

    Show marketing remark (488 chars)

    This flexible two story home features 4 bedrooms and 2.5 baths with 7 different exterior elevation choices. The main floor is great for entertaining, with a kitchen that opens to the breakfast room and family room, plus a formal living room/dining room for additional space. Second floor features the master suite with private bath and 3 secondary bedrooms with hall bath. Additional choices include luxury kitchen floorplan, bay windows or window wall, fireplace, and luxury master bath.

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥108°F today · 20 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: $30,620
• − Mortgage interest: −$21,606
• − Property taxes: −$5,786
• − Insurance: −$1,929
• − Repairs & maintenance: −$2,450
• − Management: −$2,450
• − Depreciation: −$11,221
• Taxable loss: −$14,821
• Est. tax savings @ 24.0%: +$3,557
• After-tax cash flow: $-4,241/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: Wentzville R-IV
• NCES district ID: 2931650
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 52% ▼ -7.00%
• Median HH income: $74,961
• Composite: 43.49/100
• National rank: #2994
• State rank: #32 of 324 in MO

Livability — Wentzville

• Score: 81/100
• State rank: #14
• US rank: #1402

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wentzville, MO
• County: Saint Charles County · 399,703 people
• City population: 51,330
• Metro: St. Louis, MO-IL
• Population (ZIP): 51,330
• Household income: $112,199
• Rent vs Own: 16.1% rent · 83.9% own
• Severe rent burden: 662.0

Population outlook (St. Charles County) Hauer SSP2

• Today (2025): 437,857 people
• By 2030: 461,707 · +5.4%
• By 2040: 503,222 · +14.9%
• By 2050: 534,684 · +22.1%
• By 2075: 597,047 · +36.4%
• By 2100: 609,682 · +39.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Black 5% Two or more races 5% Hispanic / Latino 3% Asian 2%
• Common ancestry: Lithuanian 3% Romanian 3% Italian 2%
• Foreign-born: 2% · Canada, China
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · St. Charles

• 2024 margin: R (+17.0) · D 40.8% · R 57.8% · Other 1.4%
• 2008→2024 swing: -7.2pp toward R · 2008: -9.7pp · 2024: -17.0pp
• All cycles: 2024: R+17.0 2020: R+17.5 2016: R+26.4 2012: R+21.0 2008: R+9.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -97.98%
• Current HPI: 216.4917
• Rent YoY: ▲ 3.96%
• Metro: St. Louis, MO-IL
• 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

+1.5% since first listed

3 events — show timeline

• 2026-04-01 Price Changed $327,900 Zillow
• 2026-03-01 Price Changed $325,900 Zillow
• 2026-01-16 Listed $322,900 Zillow