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11120 E 36th St S
B Composite 72.59
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 +27.7/30.0
  • ARV discount +15.0/15.0
  • DSCR +9.7/10.0
  • 1% rule +7.5/10.0
  • Livability +4.1/5.0
  • Rent growth +3.9/5.0
  • Schools +2.5/10.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$119,900

11120 E 36th St S · Independence, MO 64052
3 bd · 1.5 ba · 1,570 sqft · SingleFamily public records · 66 Days on market
Built 1955 Fair condition 10,101 sqft lot $76/sqft · 42% below area Est $205k · 42% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

Key facts

  • 0.23 acre lot
  • 2 garage spots
  • Built 1955

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.5-bath single-family listed at $120k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $361 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $120k).
  • Recommended offer: $113k (6.0% below list) — sets the bar for market timing.
  • Cap rate 9.9% vs local median 5.0% in Independence — 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 82/100 on livability (#10 in MO, #1,296 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D+, crime F.
  • Independence 30 (suburban): math 26% / reading 38% proficiency, ranked #252 of 324 in MO (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Three Trails Elem. (math 37% / reading 32%, grade F, #676 of 1,115 statewide, top 66%, 317 students, 75% FRL); Clifford H. Nowlin Middle (math 13% / reading 29%, grade F, #342 of 391 statewide, top 88%, 875 students, 80% FRL); Van Horn High (math 13% / reading 27%, grade F, #472 of 521 statewide, top 91%, 1,047 students, 72% FRL) — zoned schools average 76% FRL vs 58% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising fast (+5.4%/yr); 283 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals lingering (median 52d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 61% of comp listings sitting > 30 days — soft ceiling on asking rent; 4,002 units permitted in Jackson County in 2024 (2,271 in 5+ unit buildings).
  • This rent runs 30% of the median local income ($59k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Jackson County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 5.4% rent growth), your $34k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 66 days — a 6% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 27y ago; this cycle's ask has dropped $20k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

  • Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $112,706 (6.0% below list)

Questions for the listing agent

  1. It's been on market 66 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  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
1.25% ✓
Cap rate
9.90%
Cash-on-cash
12.89%
DSCR
1.57
GRM
6.7

CMA / ARV

ARV (median comp)
$205,049
List price
$119,900
Delta
-41.53%
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
3603 S Claremont Ave 0.11mi 3/1.5 1,420 (-10%) 1mo $215,000 $151 78
3704 S Claremont Ave 0.20mi 3/1.5 1,712 (+9%) 6mo $239,500 $140 71
3619 S Ralston Ave 0.35mi 3/2.5 1,639 (+4%) 6mo $239,900 $146 68
11201 E 40th St S 0.51mi 4/2.0 (+1) 1,567 (-0%) 4mo $185,000 $118 66
11213 E 32nd Ter S 0.39mi 3/1.0 1,670 (+6%) 7mo $180,000 $108 64
3508 Shady Bend Dr 0.63mi 3/2.0 1,524 (-3%) 5mo $275,000 $180 59
3410 Blue Ridge Blvd 0.64mi 3/1.5 1,646 (+5%) 5mo $252,500 $153 58
11624 E 38th Ter S 0.57mi 3/1.5 1,710 (+9%) 3mo $198,000 $116 56
11715 Markham Rd 0.55mi 2/2.5 (-1) 1,699 (+8%) 2mo $250,000 $147 50
10305 E 35th St 0.55mi 2/1.5 (-1) 1,796 (+14%) 1mo $165,000 $92 45
10011 & 10009 E 35th Ter S 0.66mi 3/1.5 1,800 (+15%) 1mo $199,000 $111 44
12019 E 39th Ter 0.72mi 3/2.0 1,804 (+15%) 3mo $230,000 $127 37

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 · 5.43% rent growth · sell at horizon

5-year hold
IRR
5.4%
Equity multiple
1.22×
Total profit
$7,293
Equity at exit
$17,877
10-year hold
IRR
17.0%
Equity multiple
2.55×
Total profit
$52,126
Equity at exit
$10,367

Cash invested: $33,572 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
16 active · 28 under contract
Months of supply
3.3 mo (30%/mo absorbed)
Median asking
$220,000 ($146/sqft)
Median days on market
44 d
This list price
lowest-priced of the active set
ARV vs active asking
-10.6% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 64052

Home prices YoY
-34.6%
Rents YoY
5.4%
Active inventory
283
Price-to-rent
6.7×

Monthly cashflow live

Estimated rent
$1,494 high interval (Pro) →
Mortgage (P&I)
−$629
Tax from tax record
−$141 /mo · $1,691/yr
Insurance
−$50
HOA
−$0
Vacancy / Maint / Mgmt
−$314
Net cashflow
$361

Break-even live

Break-even rent $1,038
Max offer price $119,900
Occupancy floor 71%

Sensitivity live

Price -10% $428 -5% $394 +0% $361 +5% $327 +10% $293
Rent -10% $243 -5% $302 +0% $361 +5% $420 +10% $479
Rate -1.0pp $421 -0.5pp $391 base $361 +0.5pp $329 +1.0pp $298

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
$29,975
Closing costs
$3,597
Reserves months
—
Total cash needed
—

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
—
Monthly P&I
—
Monthly cashflow
—
DSCR
—
Eligible?
—

Short-term bridge; refi at stabilization.

Rent comps 36 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
10527 E 35th St S Independence, MO 4.0 2.5 1680 $1,550 $0.92 2d 1 0.32mi
3302 S Sterling Ave Independence, MO 2.0–3.0 2.0 1116 $1,300 $1.16 7d 1 0.42mi
3305 S Sterling Ave Independence, MO 3.0 1.0 1400 $1,299 $0.93 10d 1 0.45mi
11200 E 40th St S Independence, MO 4.0 1.0 1142 $1,850 $1.62 117d 1 0.48mi
3927 Willow Ave Kansas City, MO 2.0–3.0 1.0–2.0 1102 $1,220 $1.11 0d 5 0.56mi
4023 Hedges Ave Kansas City, MO 3.0 2.0 1256 $1,429 $1.14 12d 1 0.60mi
4023 Hedges Ave Kansas City, MO 3.0 2.0 1256 $1,429 $1.14 10d 1 0.60mi
11816 E 32nd St S Independence, MO 3.0 2.0 1849 $1,735 $0.94 125d 1 0.65mi
3013 Mason Ave Independence, MO 4.0 2.0 1166 $1,900 $1.63 148d 1 0.71mi
2929 S Harvard Ave Unit A Independence, MO 3.0 2.5 1500 $1,560 $1.04 52d 1 0.76mi
3008 S Scott Ave Independence, MO 3.0 1.0 1416 $1,336 $0.94 87d 1 0.78mi
3419 S Home Ave Independence, MO 3.0 1.0 1212 $1,401 $1.16 112d 1 0.80mi
2920 S Harvard Ave Unit A Independence, MO 4.0 2.5 1200 $1,650 $1.38 184d 1 0.80mi
9902 E 34th St S Independence, MO 3.0 1.0 1100 $1,495 $1.36 52d 1 0.84mi
2904 S Harvard Ave Apt C Independence, MO 3.0 2.5 1200 $1,625 $1.35 10d 1 0.87mi
12400 E 40th St S #16 Independence, MO 1.0–3.0 1.0–1.5 900 $1,075 $1.19 10d 1 0.90mi
12403 E 40th St S Apt D Independence, MO 3.0 1.5 1050 $1,075 $1.02 10d 1 0.92mi
12403 E 40th St S Unit B Independence, MO 3.0 1.5 1050 $1,075 $1.02 52d 1 0.92mi
9317 Huhn Blvd Kansas City, MO 2.0 1.0 1086 $1,300 $1.20 118d 1 1.17mi
10502 E 45th Ter Kansas City, MO 3.0 2.0 1774 $1,849 $1.04 10d 1 1.24mi
10410 E 45th Ter Kansas City, MO 3.0 2.0 1774 $1,849 $1.04 138d 1 1.26mi
10408 E 45th Ter Kansas City, MO 3.0 2.0 1774 $2,100 $1.18 184d 1 1.26mi
3601 S Pleasant St Independence, MO 3.0 1.0 1232 $1,495 $1.21 34d 1 1.27mi
10528 E 45th Pl Unit 10528 Kansas City, MO 3.0 2.5 1480 $1,600 $1.08 23d 1 1.28mi
10522 E 45th Pl Kansas City, MO 3.0 2.5 1400 $1,650 $1.18 35d 1 1.28mi
10518 E 45th Pl Kansas City, MO 2.0 2.5 1250 $1,495 $1.20 6d 1 1.29mi
10545 E 45th Pl Kansas City, MO 2.0 2.5 1250 $1,495 $1.20 119d 1 1.30mi
9600 E 43rd St Kansas City, MO 3.0 2.0 1080 $1,455 $1.35 2d 1 1.31mi
10604 E 26th St S Independence, MO 3.0 1.0 1068 $1,610 $1.51 148d 1 1.31mi
2815 Collin St Independence, MO 4.0 2.0 1860 $1,800 $0.97 184d 1 1.32mi
4625 Appleton Ave Kansas City, MO 2.0 2.0 1200 $1,000 $0.83 132d 1 1.35mi
3936 S Pleasant St Independence, MO 3.0 2.0 1150 $1,750 $1.52 164d 1 1.35mi
3501 S Osage St Independence, MO 3.0 1.0 1300 $1,495 $1.15 160d 1 1.38mi
3501 S Osage St Independence, MO 3.0 1.0 1300 $1,495 $1.15 38d 1 1.38mi
3812 S Main St Independence, MO 3.0 1.0 1100 $1,695 $1.54 114d 1 1.42mi
4107 S McCoy St Independence, MO 3.0 1.0 1824 $1,700 $0.93 1d 1 1.43mi

Listing history 47 events

  1. 2026-07-15
    days on market $119,900 Active 66 DOM
  2. 2026-07-14
    days on market $119,900 Active 65 DOM
  3. 2026-07-13
    days on market $119,900 Active 64 DOM
  4. 2026-07-13
    days on market $119,900 Active 63 DOM
  5. 2026-07-11
    days on market $119,900 Active 62 DOM
  6. 2026-07-10
    days on market $119,900 Active 61 DOM
  7. 2026-07-09
    days on market $119,900 Active 60 DOM
  8. 2026-07-07
    days on market $119,900 Active 58 DOM
  9. 2026-07-06
    days on market $119,900 Active 57 DOM
  10. 2026-07-05
    days on market $119,900 Active 56 DOM
  11. 2026-07-03
    days on market $119,900 Active 54 DOM
  12. 2026-07-02
    days on market $119,900 Active 53 DOM
  13. 2026-07-01
    days on market $119,900 Active 52 DOM
  14. 2026-06-30
    days on market $119,900 Active 51 DOM
  15. 2026-06-29
    days on market $119,900 Active 50 DOM
  16. 2026-06-28
    days on market $119,900 Active 49 DOM
  17. 2026-06-27
    days on market $119,900 Active 48 DOM
  18. 2026-06-27
    days on market $119,900 Active 47 DOM
  19. 2026-06-25
    days on market $119,900 Active 45 DOM
  20. 2026-06-22
    days on market $119,900 Active 43 DOM
  21. 2026-06-21
    days on market $119,900 Active 42 DOM
  22. 2026-06-18
    days on market $119,900 Active 39 DOM
  23. 2026-06-17
    days on market $119,900 Active 38 DOM
  24. 2026-06-16
    days on market $119,900 Active 37 DOM
  25. 2026-06-15
    days on market $119,900 Active 36 DOM
  26. 2026-06-13
    days on market $119,900 Active 34 DOM
  27. 2026-06-09
    days on market $119,900 Active 30 DOM
  28. 2026-06-08
    days on market $119,900 Active 29 DOM
  29. 2026-06-07
    days on market $119,900 Active 28 DOM
  30. 2026-06-05
    days on market $119,900 Active 25 DOM
  31. 2026-06-03
    days on market $119,900 Active 24 DOM
  32. 2026-06-02
    days on market $119,900 Active 23 DOM
  33. 2026-06-01
    days on market $119,900 Active 22 DOM
  34. 2026-05-31
    days on market $119,900 Active 21 DOM
  35. 2026-05-20
    status Active 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  36. 2026-05-20
    price $119,900 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  37. 2026-05-17
    status Pending 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  38. 2026-05-12
    status Active 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  39. 2026-04-21
    status Pending 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  40. 2026-04-16
    listed $139,900 Active 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  41. 2026-04-15
    price $139,900 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  42. 2025-07-17
    historical $175,000 772-char remark
    Show marketing remark (772 chars)

    Investor special with endless potential. Rare opportunity to own a charming 1955 traditional ranch situated on a spacious 10,000+ sq ft lot. This unique property sits on a desirable side lot and features a privacy fence, carport, and additional parking on the south side. The home offers character throughout, including exposed beams and a large addition that expands the living space, with even more room for future expansion. Ideal for investors, flippers, or buyers with vision, this property provides a strong foundation for renovation, rental income, or a custom transformation. Conveniently located near major highways, offering easy access to surrounding areas and amenities. Being sold AS-IS. All offers will be reviewed this weekend. Showings by appointment only.

  43. 2001-06-05
    soldstatus
  44. 1999-05-19
    soldstatus 263-char remark
    Show marketing remark (263 chars)

    Completely Updated And Shows Great. Newer Roof, Furnace, Stove, Carpet In Huge 28x18 Fam. Rm Entertainment Center And Storage By Frpl, 2 Din Areas, Computer Line In Br3. Seller On Oxygen Appt. Only At Least 1 Hr Notice Is Appreciated. Showing Prefferably In After

  45. 1999-05-17
    soldstatus
  46. 1999-03-07
    listed $64,500 263-char remark
    Show marketing remark (263 chars)

    Completely Updated And Shows Great. Newer Roof, Furnace, Stove, Carpet In Huge 28x18 Fam. Rm Entertainment Center And Storage By Frpl, 2 Din Areas, Computer Line In Br3. Seller On Oxygen Appt. Only At Least 1 Hr Notice Is Appreciated. Showing Prefferably In After

  47. 1996-06-03
    soldstatus

ⓘ 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
$1,691 · $141/mo
Projected year-2 tax
$1,691 · $141/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ 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 · 17 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$17,927
− Mortgage interest
−$6,716
− Property taxes
−$1,691
− Insurance
−$600
− Repairs & maintenance
−$1,434
− Management
−$1,434
− Depreciation
−$3,488
Taxable income
$2,564
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$615
After-tax cash flow
$3,711/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.

Condition & rehab AI · 3 photos

Fair 45/100 Moderate rehab Est. rehab $39,250–$70,650 screening

This 1955 ranch home requires moderate renovations, including roof replacement and exterior repairs, to improve its condition and value.

Deferred maintenance Est. $60,000–$180,000 screening

  • Major Roof (roof) — No roof visible in photos
  • Major Hvac (hvac) — No HVAC unit visible in photos
  • Major Windows (windows) — No windows visible in photos
  • Major Electrical (electrical) — No electrical panel visible in photos
  • Major Plumbing (plumbing) — No plumbing fixtures visible in photos
  • Major Exterior (exterior) — No exterior walls or siding visible in photos

Repairs flagged

  • Major roof — Signs of significant wear
  • Major siding — Weathered and peeling
  • Major fencing — Aged and in need of repair

Value-add opportunities

  • Both Landscaping and fencing repair — Enhances curb appeal and property value ↑
  • Both Roof replacement — Critical to the home's structural integrity and safety ↑
  • Both Exterior painting — Improves the home's appearance and value ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 25/100

Zoned Schools

Elementary Three Trails Elem. F MO #676/1,115 Nat'l #23,081/41,679 Middle Clifford H. Nowlin Middle F MO #342/391 Nat'l #11,464/14,009 High Van Horn High F MO #472/521 Nat'l #14,027/17,239

Schools (NCES district)

District
Independence 30
NCES district ID
2915480
Math proficiency
26% ▼ -8.00%
Reading proficiency
38% ▼ -5.00%
Median HH income
$41,843
Composite
27.04/100
National rank
#7054
State rank
#252 of 324 in MO
A Composite livability gradescore 82/100

Livability — Independence

Score
82/100
State rank
#10
US rank
#1296

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Independence, MO
County
Jackson County · 719,589 people
City population
117,675
Metro
Kansas City, MO-KS
Population (ZIP)
22,138
Household income
$59,007
Rent vs Own
44.0% rent · 56.0% own
Severe rent burden
7% of renters

Population outlook (Jackson County) Hauer SSP2

Today (2025)
719,589 people
By 2030
731,456 · +1.6%
By 2040
746,689 · +3.8%
By 2050
749,289 · +4.1%
By 2075
736,227 · +2.3%
By 2100
668,210 · -7.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.56)
Race & ethnicity
White 62% Hispanic / Latino 23% Two or more races 15% Black 7% Asian 2%
Hispanic origin (detail)
Mexican 15%
Languages at home
85% English-only · Spanish 13% Other Asian/Pacific 1%

Political lean MEDSL · Jackson

2024 margin
D (+19.3) · D 58.9% · R 39.5% · Other 1.6%
2008→2024 swing
-6.1pp toward R · 2008: 25.4pp · 2024: 19.3pp
All cycles
2024: D+19.3 2020: D+22.0 2016: D+16.6 2012: D+19.0 2008: D+25.4

Not yet ingested

Civics
—

Price history

+85.9% since first listed
13 events — show timeline
  • 2026-05-20 Relisted — Heartland MLS as Distributed by MLS Grid
  • 2026-05-20 Price Changed $119,900 Heartland MLS as Distributed by MLS Grid
  • 2026-05-17 Pending — Heartland MLS as Distributed by MLS Grid
  • 2026-05-12 Relisted — Heartland MLS as Distributed by MLS Grid
  • 2026-04-21 Pending — Heartland MLS as Distributed by MLS Grid
  • 2026-04-16 Listed $139,900 Heartland MLS as Distributed by MLS Grid
  • 2026-04-15 Price Changed $139,900 Heartland MLS as Distributed by MLS Grid
  • 2025-07-17 Coming Soon $175,000 Heartland MLS as Distributed by MLS Grid
  • 2001-06-05 Sold (Public Records) — Public Records
  • 1999-05-19 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
  • 1999-05-17 Sold (Public Records) — Public Records
  • 1999-03-07 Listed $64,500 Heartland MLS as Distributed by MLS Grid
  • 1996-06-03 Sold (Public Records) — Public Records

Property tax history

+3.1%/yr

Latest (2025): $1,691 · -5.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…