66 Jacqueline Cir · O'Fallon, MO 63368

$300,000

3 bd · 2.5 ba · 1,777 sqft · SingleFamily public records · 6 Days on market

Built 1993 8,276 sqft lot Est $339k · 12% under

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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).

• ARV discount +12.7/15.0
• Cash flow +12.5/30.0
• Schools +5.1/10.0
• DSCR +3.7/10.0
• 1% rule +3.1/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 66 Jacqueline Circle! Must see this 3 bedroom 2.5 bathroom ranch home. Located in lovely Kensington Place. The home has beautiful new laminate flooring throughout. Kitchen offers updated cabinets with soft close hinges, stainless appliance and a spacious panty. Just off the kitchen enjoy the summer nights from the deck overlooking the level yard. Living room features vaulted ceiling and a cozy wood burning fireplace. The lower level is partially finished with laundry room and half bath just waiting for your finishing touches. 2 car garage has been insulated and finished. Conveniently located in a desirable area close to shopping, restaurants and easy highway access. Schedule an appointment today to view this gorgeous home before it's gone!

Key facts

• Open floor plan
• Recent upgrades
• Shaded deck

Tags

• TURNKEY LIVING
• OPEN FLOOR PLAN
• VAULTED CEILINGS
• RECENT UPGRADES
• SHADED DECK

Property features AI

Exterior

• Parking: Attached 2-car garage (total 2 parking spaces)
• Utilities: Public water; Public sewer; Electricity connected (single phase); Natural gas connected
• Home design: Single family residence; One story; Residential property
• Construction: Vinyl siding; Architectural shingle roof; Concrete perimeter foundation; Basement: partially finished with 8 ft+ pour, concrete, sleeping area and sump pump
• Exterior features: Back yard; Level lot; Chain link and perimeter fencing; Atrium and sliding doors

Interior

• Kitchen: Stainless steel appliances
• Bedrooms: Three bedrooms on the main level
• Flooring: Laminate flooring; Vinyl flooring
• Bathrooms: Two full bathrooms on the main level
• Heating & cooling: Natural gas heating; Central air conditioning (electric)
• Interior features: Eat-in kitchen; High ceilings; Living room fireplace
• Laundry & utility: Laundry in basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $-43 ($-517/yr) — negative.
• To cash-flow at today's rent, offer at most $292k (2.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $244k (18.7% below list).
• Recommended offer: $244k (18.7% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.2% in O'Fallon — 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.
• Ft. Zumwalt R-II (suburban): math 54% / reading 60% proficiency, ranked #14 of 324 in MO (top 4%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 18% free/reduced lunch — higher-income household profile.
• Zoned schools: Pheasant Point Elem. (math 56% / reading 65%, grade B-, #118 of 1,115 statewide, top 11%, 436 students, 11% FRL); Ft. Zumwalt South High (math 57% / reading 70%, grade B-, #24 of 521 statewide, top 4%, 1,334 students, 15% FRL) — zoned schools at 13% FRL track the district average.
• Market conditions: Rents rising (+1.6%/yr); 376 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 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 $2k of loan paydown is wiped out by about $9k 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

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 10y 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.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $243,911 (18.7% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.81% ✗
• Cap rate: 6.12%
• Cash-on-cash: -0.62%
• DSCR: 0.97
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $339,407
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
166 Christina Marie Dr	0.14mi	3/2.5	1,778 (+0%)	8mo	$339,000	$191	86
178 Christina Marie Dr	0.14mi	3/2.0	1,855 (+4%)	6mo	$365,000	$197	79
6501 Sprucefield Dr	0.42mi	3/2.0	1,728 (-3%)	6mo	$265,000	$153	69
1 Royallprairie Ct	0.62mi	3/2.5	1,753 (-1%)	8mo	$299,900	$171	62
1006 Golden Orchard Dr	0.39mi	3/2.0	1,949 (+10%)	4mo	$360,000	$185	60
817 Brimley Dr	0.60mi	3/2.0	1,728 (-3%)	8mo	$565,000	$327	59
6420 Long Timber Dr	0.57mi	4/2.0 (+1)	1,740 (-2%)	5mo	$305,000	$175	59
6519 Star Buck Dr	0.39mi	3/2.5	1,510 (-15%)	1mo	$300,000	$199	56
2849 Royallvalley Way	0.50mi	3/3.5	1,978 (+11%)	1mo	$400,000	$202	53
6355 Sprucefield Dr	0.65mi	3/3.0	1,941 (+9%)	7mo	$320,000	$165	46
421 Jacobs Place Dr	0.67mi	3/2.0	2,025 (+14%)	6mo	$425,000	$210	38
255 Coachman Way	0.68mi	3/3.5	1,518 (-15%)	7mo	$290,000	$191	34

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 · 1.59% rent growth · sell at horizon

5-year hold

• IRR: -18.8%
• Equity multiple: 0.35×
• Total profit: $-54,799
• Equity at exit: $44,731

10-year hold

• IRR: -14.3%
• Equity multiple: 0.23×
• Total profit: $-64,974
• Equity at exit: $25,939

Cash invested: $84,000 (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 63368

• Home prices YoY: -20.7%
• Rents YoY: 1.6%
• Active inventory: 376
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $2,439 high
• Mortgage (P&I): −$1,573
• Tax from tax record: −$272 /mo · $3,261/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$512
• Net cashflow: $-43

Break-even live

Break-even rent $2,494

Max offer price $292,383

Occupancy floor 97%

Sensitivity live

Price	-10% $127	-5% $42	+0% $-43	+5% $-128	+10% $-213
Rent	-10% $-236	-5% $-139	+0% $-43	+5% $53	+10% $150
Rate	-1.0pp $108	-0.5pp $33	base $-43	+0.5pp $-121	+1.0pp $-200

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
124 Royallsprings Pkwy O Fallon, MO	4.0	2.5	2384	$2,906	$1.22	6d	1	0.45mi
209 Royallsprings Pkwy O Fallon, MO	3.0	2.5	1512	$2,431	$1.61	0d	1	0.64mi
256 Cherrywood Parc Dr O Fallon, MO	3.0	2.5	1590	$2,276	$1.43	6d	1	0.78mi
244 Sassafras Parc Dr O Fallon, MO	4.0	3.0	2601	$2,300	$0.88	14d	1	0.81mi
381 Erin Dr Saint Peters, MO	3.0	2.5	1288	$2,500	$1.94	25d	1	1.25mi

Listing history 5 events

1. 2026-06-17
   status $300,000 Pending 6 DOM
2. 2026-06-16
   days on market $300,000 Active 6 DOM
3. 2026-06-15
   days on market $300,000 Active 5 DOM
4. 2026-06-13
   remarks 699-char remark
5. 2026-06-13
   listed $300,000 Active 3 DOM

ⓘ 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: $3,261 · $272/mo
• Projected year-2 tax: $3,261 · $272/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 5/10 Major 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,269
• − Mortgage interest: −$16,805
• − Property taxes: −$3,261
• − Insurance: −$1,500
• − Repairs & maintenance: −$2,342
• − Management: −$2,342
• − Depreciation: −$8,727
• Taxable loss: −$5,707
• Est. tax savings @ 24.0%: +$1,370
• After-tax cash flow: $852/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: Ft. Zumwalt R-II
• NCES district ID: 2908370
• Math proficiency: 54% ▼ -7.00%
• Reading proficiency: 60% ▼ -4.00%
• Median HH income: $75,817
• Composite: 51.04/100
• National rank: #1772
• State rank: #14 of 324 in MO

Livability — O'Fallon

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

Census & demographics

• Census place: O'Fallon, MO
• County: Saint Charles County · 399,703 people
• City population: 45,862
• Metro: St. Louis, MO-IL
• Population (ZIP): 46,966
• Household income: $124,297
• Rent vs Own: 18.0% rent · 82.0% own
• Severe rent burden: 538.0

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 (84%)
• Race & ethnicity: White 84% Asian 5% Two or more races 5% Black 4% Hispanic / Latino 3%
• Common ancestry: Romanian 4% Lithuanian 3% Italian 2%
• Foreign-born: 6% · Canada, China
• Languages at home: 93% English-only · Other Asian/Pacific 2% Spanish 2% Other Indo-European 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: ▼ -57.32%
• Current HPI: 219.7731
• Rent YoY: ▲ 1.59%
• 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

+254.2% since first listed

25 events — show timeline

• 2026-06-10 Listed $300,000 MARIS as Distributed by MLS Grid
• 2024-04-12 Pending — MARIS as Distributed by MLS Grid
• 2024-04-12 Pending — MARIS as Distributed by MLS Grid
• 2024-04-11 Sold (Public Records) $289,170 Public Records
• 2024-04-11 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-04-11 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-03-02 Contingent — MARIS as Distributed by MLS Grid
• 2024-03-02 Pending — MARIS as Distributed by MLS Grid
• 2024-02-28 Listed $265,000 MARIS as Distributed by MLS Grid
• 2024-02-24 Coming Soon $265,000 MARIS as Distributed by MLS Grid
• 2020-12-08 Sold (Public Records) $175,000 Public Records
• 2020-11-24 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2020-10-29 Pending — MARIS as Distributed by MLS Grid
• 2020-10-28 Price Changed $180,000 MARIS as Distributed by MLS Grid
• 2020-10-28 Relisted — MARIS as Distributed by MLS Grid
• 2020-09-30 Contingent — MARIS as Distributed by MLS Grid
• 2020-09-23 Listed $188,000 MARIS as Distributed by MLS Grid
• 2020-09-22 Coming Soon $188,000 MARIS as Distributed by MLS Grid
• 2016-12-06 Sold (Public Records) $147,000 Public Records
• 2016-12-02 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2016-10-18 Pending — MARIS as Distributed by MLS Grid
• 2016-10-10 Price Changed $154,900 MARIS as Distributed by MLS Grid
• 2016-10-06 Listed $159,900 MARIS as Distributed by MLS Grid
• 2000-11-22 Sold (Public Records) $120,000 Public Records
• 1994-01-01 Sold (Public Records) $84,700 Public Records

Property tax history

+5.3%/yr

Latest (2025): $3,261 · +7.0% YoY. Source: county tax records.