4336 Indiana Ave · Kansas City, MO 64130

$152,950

3 bd · 1.0 ba · 1,424 sqft · SingleFamily public records · 91 Days on market

Built 1926 5,536 sqft lot Est $127k · 21% over

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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 +21.9/30.0
• DSCR +7.0/10.0
• 1% rule +4.6/10.0
• Livability +3.9/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Schools +1.5/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 4336 Indiana! Be a part of a burgeoning neighborhood where neighbors are property proud and have enjoyed the area for generations. This spacious 3-bedroom, 2-bath bungalow (1,424 sq ft) is ready for you to make it your home! Recently remodeled in 2021 and refreshed again in 2025, the property features major updates including ceramic tile bathroom floors, granite counter tops in kitchen, vaulted primary suite ceilings, barn doors, new plumbing from property to the main, new windows and lighting, foundation repair including trust and grading, roofing repair and new flooring. The heavy lifting is done—just bring your decorative vision to complete the aesthetic and unlock this

Key facts

• Barn doors
• New plumbing
• Granite counter tops

Tags

• CERAMIC TILE BATHROOM FLOORS
• GRANITE COUNTER TOPS
• VAULTED PRIMARY SUITE CEILINGS
• BARN DOORS
• NEW PLUMBING
• NEW WINDOWS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $153k.

Deal economics

• At list price, monthly cash flow is $242 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $146k (4.3% below list).
• Recommended offer: $139k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.2% vs local median 3.9% in Kansas City — 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 78/100 on livability (#28 in MO, #2,671 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime F.
• Kansas City 33 (urban): math 12% / reading 24% proficiency, ranked #308 of 324 in MO (top 95%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: M. L. King Elementary (math 2% / reading 8%, grade F, #1,072 of 1,115 statewide, top 98%, 665 students, 100% FRL); Central Middle School (math 0% / reading 9%, grade F, #388 of 391 statewide, top 99%, 428 students, 99% FRL); Central High School (math 2% / reading 17%, grade F, #507 of 521 statewide, top 98%, 535 students, 99% FRL) — zoned schools average 99% FRL vs 75% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.4%/yr); 185 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 4,002 units permitted in Jackson County in 2024 (2,271 in 5+ unit buildings).
• This rent runs 42% of the median local income ($42k/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 $1k of loan paydown is wiped out by about $5k 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.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($139k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 24y 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.
• Current owner paid $24k; list at $153k implies a 534% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $139,184 (9.0% below list)

Questions for the listing agent

1. It's been on market 91 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1926 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
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: 0.96% ✗
• Cap rate: 8.19%
• Cash-on-cash: 6.77%
• DSCR: 1.30
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $126,736
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4230 Benton Blvd	0.19mi	3/2.0	1,410 (-1%)	6mo	$125,000	$89	81
4617 S Benton St	0.44mi	3/1.0	1,430 (+0%)	1mo	$90,000	$63	78
4200 Agnes Ave	0.33mi	4/2.0 (+1)	1,399 (-2%)	6mo	$189,000	$135	68
3933 Monroe Ave	0.55mi	2/1.0 (-1)	1,440 (+1%)	3mo	$64,000	$44	65
3919 Benton Blvd	0.54mi	2/1.0 (-1)	1,366 (-4%)	7mo	$64,900	$48	57
4200 Monroe Ave	0.28mi	3/2.0	1,623 (+14%)	5mo	$100,000	$62	56
4043 Monroe Ave	0.42mi	3/1.5	1,632 (+15%)	2mo	$142,900	$88	52
4444 Olive St	0.64mi	3/1.5	1,291 (-9%)	1mo	$120,000	$93	52
2809 E 39th St	0.67mi	3/1.0	1,279 (-10%)	6mo	$114,900	$90	47
3911 Bellefontaine Ave	0.58mi	3/1.5	1,250 (-12%)	8mo	$149,000	$119	44
4935 College Ave	0.74mi	3/1.0	1,216 (-15%)	4mo	$79,900	$66	37
3805 Bellefontaine Ave	0.72mi	3/1.5	1,624 (+14%)	5mo	$169,900	$105	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 · 4.42% rent growth · sell at horizon

5-year hold

• IRR: -4.5%
• Equity multiple: 0.83×
• Total profit: $-7,333
• Equity at exit: $22,805

10-year hold

• IRR: 6.5%
• Equity multiple: 1.52×
• Total profit: $22,134
• Equity at exit: $13,224

Cash invested: $42,826 (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 64130

• Home prices YoY: -21.5%
• Rents YoY: 4.4%
• Active inventory: 185
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,464 high
• Mortgage (P&I): −$802
• Tax from tax record: −$49 /mo · $590/yr
• Insurance: −$64
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $242

Break-even live

Break-even rent $1,158

Max offer price $152,950

Occupancy floor 78%

Sensitivity live

Price	-10% $328	-5% $285	+0% $242	+5% $198	+10% $155
Rent	-10% $126	-5% $184	+0% $242	+5% $300	+10% $357
Rate	-1.0pp $319	-0.5pp $281	base $242	+0.5pp $202	+1.0pp $162

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: $38,238
• Closing costs: $4,588
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4309 College Ave Kansas City, MO	3.0	2.0	1040	$1,550	$1.49	17d	1	0.05mi
4144 College Ave Kansas City, MO	3.0	1.0	1108	$1,095	$0.99	25d	1	0.22mi
4427 Agnes Ave Kansas City, MO	3.0	1.0	1100	$1,350	$1.23	17d	1	0.26mi
4116 Bellefontaine Ave Kansas City, MO	3.0	1.0	1234	$1,000	$0.81	25d	1	0.33mi
4119 S Benton Ave Kansas City, MO	4.0	2.0	1700	$1,800	$1.06	45d	1	0.38mi
4653 Benton Blvd Kansas City, MO	3.0	2.0	1594	$1,600	$1.00	9d	1	0.40mi
4534 S Benton Ave Kansas City, MO	2.0	1.0	912	$1,045	$1.15	17d	1	0.42mi
4028 Myrtle Ave Kansas City, MO	3.0	1.0	1100	$1,490	$1.35	45d	1	0.52mi
3840 Bellefontaine Ave Kansas City, MO	3.0	1.0	1500	$1,500	$1.00	17d	1	0.61mi
3818 Indiana Ave Kansas City, MO	3.0	1.5	1223	$1,147	$0.94	45d	1	0.63mi
4107 Olive St Kansas City, MO	3.0	1.5	1271	$1,578	$1.24	9d	1	0.66mi
3817 S Benton Ave Kansas City, MO	4.0	1.5	1380	$1,650	$1.20	25d	1	0.71mi
3739 Bales Ave Kansas City, MO	3.0	2.0	1400	$1,575	$1.12	25d	1	0.71mi
4112 Park Ave Kansas City, MO	4.0	2.0	1700	$1,800	$1.06	16d	1	0.74mi
4935 College Ave Kansas City, MO	3.0	1.0	1216	$1,350	$1.11	25d	1	0.77mi
4911 S Benton Ave Kansas City, MO	2.0	1.0	1000	$1,100	$1.10	18d	1	0.78mi
3902 Wabash Ave Kansas City, MO	4.0	2.0	1400	$1,850	$1.32	45d	1	0.78mi
4917 S Benton Ave Kansas City, MO	2.0	1.0	1000	$1,100	$1.10	25d	1	0.79mi
4014 Park Ave Kansas City, MO	3.0	2.0	1271	$1,273	$1.00	45d	1	0.79mi
3713 Cleveland Ave Kansas City, MO	4.0	1.0	1256	$1,250	$1.00	17d	1	0.82mi
3630 Agnes Ave Kansas City, MO	3.0	2.0	1448	$1,500	$1.04	12d	1	0.88mi
5013 S Benton Ave Kansas City, MO	3.0	1.0	978	$1,225	$1.25	25d	1	0.89mi
3949 Doctor Martin Luther King Junior Blvd Kansas City, MO	1.0–2.0	1.0–2.0	945	$1,565	$1.66	3d	3	0.93mi
5038 S Benton Ave Kansas City, MO	4.0	3.0	1500	$1,875	$1.25	22d	1	0.96mi
4900 E 41st Ter Kansas City, MO	3.0	2.0	1270	$1,500	$1.18	17d	1	0.96mi
4219 Woodland Ave Kansas City, MO	4.0	2.0	1566	$1,900	$1.21	3d	1	0.98mi
3710 Wabash Ave Unit 2S Kansas City, MO	2.0	1.0	875	$850	$0.97	25d	1	0.99mi
3736 Cypress Ave Kansas City, MO	3.0	1.0	1100	$1,200	$1.09	9d	1	0.99mi
3524 Bellefontaine Ave Kansas City, MO	3.0	1.0	1228	$1,350	$1.10	45d	1	1.01mi
3525 Monroe Ave Kansas City, MO	3.0	2.0	1569	$1,500	$0.96	45d	1	1.01mi
4930 Park Ave Kansas City, MO	3.0	1.0	900	$1,300	$1.44	17d	1	1.03mi
2420 E 51st St Kansas City, MO	3.0	2.0	1460	$1,350	$0.92	25d	1	1.08mi
4401 Wayne Ave Kansas City, MO	2.0	1.5	955	$1,300	$1.36	25d	1	1.10mi
4206 Vineyard Rd Kansas City, MO	4.0	1.5	1056	$1,500	$1.42	16d	1	1.10mi
5215 Walrond Ave Kansas City, MO	4.0	2.0	1198	$1,710	$1.43	25d	1	1.10mi
3419 College Ave Kansas City, MO	4.0	1.0	1608	$1,300	$0.81	3d	1	1.14mi
3434 Chestnut Ave Kansas City, MO	2.0	1.0	1512	$1,100	$0.73	12d	1	1.16mi
4910 Michigan Ave Kansas City, MO	3.0	1.5	1199	$1,400	$1.17	9d	1	1.18mi
1500 E 46th St Kansas City, MO	1.0–3.0	1.0	803	$1,275	$1.59	45d	1	1.20mi
3346 Agnes Ave Kansas City, MO	3.0	1.0	1400	$1,200	$0.86	9d	1	1.22mi

Listing history 21 events

1. 2026-01-02
   status Pending
2. 2025-12-13
   price $152,950
3. 2025-11-11
   price $153,950
4. 2025-10-03
   listed $155,000 Active
5. 2025-08-14
   historical
6. 2025-07-23
   listed $159,900 Active
7. 2025-07-22
   price $159,900
8. 2025-07-21
   historical
9. 2022-02-03
   price $1,810
10. 2022-01-24
    historical
11. 2021-12-27
    price $190,000
12. 2021-11-26
    listed $200,000 Active
13. 2021-07-16
    soldstatus
14. 2021-07-15
    soldstatus Closed
15. 2021-06-25
    status Pending
16. 2021-06-18
    price $75,000
17. 2021-06-11
    listed $85,000 Active
18. 2002-06-28
    soldstatus
19. 2002-04-11
    listed $49,000
20. 2002-03-07
    soldstatus $24,117
21. 1974-11-01
    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: $590 · $49/mo
• Projected year-2 tax: $1,484 · $124/mo
• Expected delta: +$893/yr (+$74/mo · 151.4%)

ⓘ 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 ≥107°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,570
• − Mortgage interest: −$8,568
• − Property taxes: −$590
• − Insurance: −$765
• − Repairs & maintenance: −$1,406
• − Management: −$1,406
• − Depreciation: −$4,449
• Taxable income: $387
• Est. tax owed @ 24.0%: −$93
• After-tax cash flow: $2,808/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: Kansas City 33
• NCES district ID: 2916400
• Math proficiency: 12% ▼ -8.00%
• Reading proficiency: 24% ▬ 0.00%
• Median HH income: $35,227
• Composite: 14.8/100
• National rank: #9387
• State rank: #308 of 324 in MO

Livability — Kansas City

• Score: 78/100
• State rank: #28
• US rank: #2671

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Kansas City, MO
• County: Jackson County · 687,798 people
• City population: 439,467
• Metro: Kansas City, MO-KS
• Population (ZIP): 19,644
• Household income: $42,221
• Rent vs Own: 48.4% rent · 51.6% own
• Severe rent burden: 1132.0

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: Predominantly Black (80%)
• Race & ethnicity: Black 80% White 9% Hispanic / Latino 8% Two or more races 6%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Lithuanian 1% Swedish 0%
• Foreign-born: 6% · Canada
• Languages at home: 92% English-only · Spanish 7%

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: —

Market trends

• HPI YoY: ▼ -73.32%
• Current HPI: 267.491
• Rent YoY: ▲ 4.42%
• Metro: Kansas City, MO-KS
• 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

+534.2% since first listed

21 events — show timeline

• 2026-01-02 Pending — Heartland MLS as Distributed by MLS Grid
• 2025-12-13 Price Changed $152,950 Heartland MLS as Distributed by MLS Grid
• 2025-11-11 Price Changed $153,950 Heartland MLS as Distributed by MLS Grid
• 2025-10-03 Listed $155,000 Heartland MLS as Distributed by MLS Grid
• 2025-08-14 Listing Removed — Heartland MLS as Distributed by MLS Grid
• 2025-07-23 Listed $159,900 Heartland MLS as Distributed by MLS Grid
• 2025-07-22 Price Changed $159,900 Heartland MLS as Distributed by MLS Grid
• 2025-07-21 Coming Soon — Heartland MLS as Distributed by MLS Grid
• 2022-02-03 Price Changed $1,810 RENT.
• 2022-01-24 Listing Removed — Heartland MLS as Distributed by MLS Grid
• 2021-12-27 Price Changed $190,000 Heartland MLS as Distributed by MLS Grid
• 2021-11-26 Listed $200,000 Heartland MLS as Distributed by MLS Grid
• 2021-07-16 Sold (Public Records) — Public Records
• 2021-07-15 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2021-06-25 Pending — Heartland MLS as Distributed by MLS Grid
• 2021-06-18 Price Changed $75,000 Heartland MLS as Distributed by MLS Grid
• 2021-06-11 Listed $85,000 Heartland MLS as Distributed by MLS Grid
• 2002-06-28 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2002-04-11 Listed $49,000 Heartland MLS as Distributed by MLS Grid
• 2002-03-07 Sold (Public Records) $24,117 Public Records
• 1974-11-01 Sold (Public Records) — Public Records

Property tax history

+4.7%/yr

Latest (2025): $590 · -43.8% YoY. Source: county tax records.