676 Lynn Ln · Parkway, MO 63060

$110,000

2 bd · 1.0 ba · 672 sqft · SingleFamily public records · 130 Days on market

Built 1960 0.25 ac lot $30/mo HOA · 3% of rent

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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 +13.6/30.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• DSCR +4.1/10.0
• 1% rule +3.4/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

FANTASTIC OPPORTUNITY IN LONEDELL, 2 BEDROOM, 1 BATH RANCH STYLE HOME, 1 CAR GARAGE WITH LARGE YARD,PARTIAL BASEMENT.VINYL SIDING.CUTE AS A BUTTON. COME AND TAKE A LOOK TODAY! NICE NEIGHBORHOOD AND SCHOOL DISTRICT. CLOSE TO WAGNERS STORE AND DOLLAR GENERAL. FRESH PAINT, NEW LAMINATE FLOORING IN KITCHEN AND LIVING ROOM. PROPERTY BEING SOLD “AS IS.” SELLER & BUYER TO CLOSE AT FRANKLIN COUNTY TITLE IN UNION. 1 A/C WINDOW UNIT COOLS THE WHOLE HOUSE. Furnace is Propane (Propane Tank in Backyard. You can Heat the house with (a Infrared Heater & they cost under a $100 to buy)

Key facts

• 0.25 acre lot
• Garage
• Built 1960

Property features AI

Finance

• HOA & community: Part of Spring Meadows HOA; Annual association fee of $360 (covers maintenance of parking/roads and sewer); No association amenities listed

Exterior

• Parking: Concrete driveway; Attached garage (1 car)
• Utilities: Well water; Holding tank sewer; Electric service (Ameren); Leased propane
• Home design: Single-family residence (attached); One story; Above-grade finished living area recorded at 672
• Construction: Vinyl siding construction
• Exterior features: Back yard; Partial fencing; Level lot

Interior

• Bedrooms: 2 bedrooms on the main level
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Propane heating; Electric wall unit cooling
• Interior features: Basement with cellar; Total of 4 rooms
• Laundry & utility: Laundry area located in the garage

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $6 ($70/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 $92k (16.0% below list).
• Recommended offer: $92k (16.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 59/100 on livability (#549 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment C-, crime F, amenities F.
• Lonedell R-Xiv (rural): math 40% / reading 55% proficiency, ranked #137 of 535 in MO (top 26%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Lonedell Elem. (math 32% / reading 47%, grade F, #537 of 1,115 statewide, top 53%, 334 students, 51% FRL) — zoned schools at 51% FRL track the district average.
• Market conditions: 10 active listings in the ZIP; 614 units permitted in Franklin County in 2024 (100 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Franklin County population projected to shrink 9% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 130 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 5y 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 $30k; list at $110k implies a 267% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $92,386 (16.0% below list)

Questions for the listing agent

1. It's been on market 130 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
2. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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?
7. 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?
8. 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?
9. 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.
10. 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.
11. 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: 0.84% ✗
• Cap rate: 6.36%
• Cash-on-cash: 0.23%
• DSCR: 1.01
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -16.0%
• Equity multiple: 0.43×
• Total profit: $-17,460
• Equity at exit: $16,401

10-year hold

• IRR: -7.6%
• Equity multiple: 0.52×
• Total profit: $-14,757
• Equity at exit: $9,511

Cash invested: $30,800 (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 63060

• Home prices YoY: -26.7%
• Active inventory: 10
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $924 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$71 /mo · $856/yr
• Insurance: −$46
• HOA: −$30
• Vacancy / Maint / Mgmt: −$194
• Net cashflow: $6

Break-even live

Break-even rent $916

Max offer price $110,000

Occupancy floor 94%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $30 · $360/yr

Listing history 28 events

1. 2026-06-18
   days on market $110,000 Active 130 DOM
2. 2026-06-17
   days on market $110,000 Active 129 DOM
3. 2026-06-16
   days on market $110,000 Active 128 DOM
4. 2026-06-15
   days on market $110,000 Active 127 DOM
5. 2026-06-13
   days on market $110,000 Active 125 DOM
6. 2026-06-12
   days on market $110,000 Active 124 DOM
7. 2026-06-09
   pricedays on market $110,000 Active 121 DOM
8. 2026-06-08
   days on market $112,500 Active 120 DOM
9. 2026-06-07
   days on market $112,500 Active 119 DOM
10. 2026-06-05
    days on market $112,500 Active 117 DOM
11. 2026-06-04
    days on market $112,500 Active 115 DOM
12. 2026-06-02
    days on market $112,500 Active 114 DOM
13. 2026-06-01
    days on market $112,500 Active 113 DOM
14. 2026-05-31
    days on market $112,500 Active 112 DOM
15. 2026-03-31
    price $112,500
16. 2026-02-09
    listed $115,000 Active
17. 2026-02-01
    historical $115,000
18. 2022-06-24
    soldstatus
19. 2022-06-22
    soldstatus Closed 601-char remark

    Show marketing remark (601 chars)

    FANTASTIC OPPORTUNITY IN LONEDELL, 2 BEDROOM, 1 BATH RANCH STYLE HOME, 1 CAR GARAGE WITH LARGE YARD,PARTIAL BASEMENT.VINYL SIDING.CUTE AS A BUTTON. COME AND TAKE A LOOK TODAY! NICE NEIGHBORHOOD AND SCHOOL DISTRICT. CLOSE TO WAGNERS STORE AND DOLLAR GENERAL. FRESH PAINT, NEW LAMINATE FLOORING IN KITCHEN AND LIVING ROOM. PROPERTY BEING SOLD “AS IS.” SELLER & BUYER TO CLOSE AT FRANKLIN COUNTY TITLE IN UNION. 1 A/C WINDOW UNIT COOLS THE WHOLE HOUSE. Furnace is Propane (Propane Tank in Backyard. You can Heat the house with (a Infrared Heater & they cost under a $100 to buy)

20. 2022-04-15
    status Pending 601-char remark

    Show marketing remark (601 chars)

    FANTASTIC OPPORTUNITY IN LONEDELL, 2 BEDROOM, 1 BATH RANCH STYLE HOME, 1 CAR GARAGE WITH LARGE YARD,PARTIAL BASEMENT.VINYL SIDING.CUTE AS A BUTTON. COME AND TAKE A LOOK TODAY! NICE NEIGHBORHOOD AND SCHOOL DISTRICT. CLOSE TO WAGNERS STORE AND DOLLAR GENERAL. FRESH PAINT, NEW LAMINATE FLOORING IN KITCHEN AND LIVING ROOM. PROPERTY BEING SOLD “AS IS.” SELLER & BUYER TO CLOSE AT FRANKLIN COUNTY TITLE IN UNION. 1 A/C WINDOW UNIT COOLS THE WHOLE HOUSE. Furnace is Propane (Propane Tank in Backyard. You can Heat the house with (a Infrared Heater & they cost under a $100 to buy)

21. 2022-01-29
    price $99,900 601-char remark

    Show marketing remark (601 chars)

    FANTASTIC OPPORTUNITY IN LONEDELL, 2 BEDROOM, 1 BATH RANCH STYLE HOME, 1 CAR GARAGE WITH LARGE YARD,PARTIAL BASEMENT.VINYL SIDING.CUTE AS A BUTTON. COME AND TAKE A LOOK TODAY! NICE NEIGHBORHOOD AND SCHOOL DISTRICT. CLOSE TO WAGNERS STORE AND DOLLAR GENERAL. FRESH PAINT, NEW LAMINATE FLOORING IN KITCHEN AND LIVING ROOM. PROPERTY BEING SOLD “AS IS.” SELLER & BUYER TO CLOSE AT FRANKLIN COUNTY TITLE IN UNION. 1 A/C WINDOW UNIT COOLS THE WHOLE HOUSE. Furnace is Propane (Propane Tank in Backyard. You can Heat the house with (a Infrared Heater & they cost under a $100 to buy)

22. 2021-11-18
    price $104,900 601-char remark

    Show marketing remark (601 chars)

    FANTASTIC OPPORTUNITY IN LONEDELL, 2 BEDROOM, 1 BATH RANCH STYLE HOME, 1 CAR GARAGE WITH LARGE YARD,PARTIAL BASEMENT.VINYL SIDING.CUTE AS A BUTTON. COME AND TAKE A LOOK TODAY! NICE NEIGHBORHOOD AND SCHOOL DISTRICT. CLOSE TO WAGNERS STORE AND DOLLAR GENERAL. FRESH PAINT, NEW LAMINATE FLOORING IN KITCHEN AND LIVING ROOM. PROPERTY BEING SOLD “AS IS.” SELLER & BUYER TO CLOSE AT FRANKLIN COUNTY TITLE IN UNION. 1 A/C WINDOW UNIT COOLS THE WHOLE HOUSE. Furnace is Propane (Propane Tank in Backyard. You can Heat the house with (a Infrared Heater & they cost under a $100 to buy)

23. 2021-11-06
    listed $114,900 Active 601-char remark

    Show marketing remark (601 chars)

    FANTASTIC OPPORTUNITY IN LONEDELL, 2 BEDROOM, 1 BATH RANCH STYLE HOME, 1 CAR GARAGE WITH LARGE YARD,PARTIAL BASEMENT.VINYL SIDING.CUTE AS A BUTTON. COME AND TAKE A LOOK TODAY! NICE NEIGHBORHOOD AND SCHOOL DISTRICT. CLOSE TO WAGNERS STORE AND DOLLAR GENERAL. FRESH PAINT, NEW LAMINATE FLOORING IN KITCHEN AND LIVING ROOM. PROPERTY BEING SOLD “AS IS.” SELLER & BUYER TO CLOSE AT FRANKLIN COUNTY TITLE IN UNION. 1 A/C WINDOW UNIT COOLS THE WHOLE HOUSE. Furnace is Propane (Propane Tank in Backyard. You can Heat the house with (a Infrared Heater & they cost under a $100 to buy)

24. 2021-11-05
    historical $114,900 601-char remark

    Show marketing remark (601 chars)

    FANTASTIC OPPORTUNITY IN LONEDELL, 2 BEDROOM, 1 BATH RANCH STYLE HOME, 1 CAR GARAGE WITH LARGE YARD,PARTIAL BASEMENT.VINYL SIDING.CUTE AS A BUTTON. COME AND TAKE A LOOK TODAY! NICE NEIGHBORHOOD AND SCHOOL DISTRICT. CLOSE TO WAGNERS STORE AND DOLLAR GENERAL. FRESH PAINT, NEW LAMINATE FLOORING IN KITCHEN AND LIVING ROOM. PROPERTY BEING SOLD “AS IS.” SELLER & BUYER TO CLOSE AT FRANKLIN COUNTY TITLE IN UNION. 1 A/C WINDOW UNIT COOLS THE WHOLE HOUSE. Furnace is Propane (Propane Tank in Backyard. You can Heat the house with (a Infrared Heater & they cost under a $100 to buy)

25. 1995-04-21
    soldstatus $30,000
26. 1995-04-21
    soldstatus
27. 1990-12-01
    soldstatus
28. 1988-08-22
    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: $856 · $71/mo
• Projected year-2 tax: $1,067 · $89/mo
• Expected delta: +$211/yr (+$18/mo · 24.7%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 21 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: $11,086
• − Mortgage interest: −$6,162
• − Property taxes: −$856
• − Insurance: −$550
• − Repairs & maintenance: −$887
• − Management: −$887
• − HOA: −$360
• − Depreciation: −$3,200
• Taxable loss: −$1,815
• Est. tax savings @ 24.0%: +$436
• After-tax cash flow: $506/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: Lonedell R-Xiv
• NCES district ID: 2919200
• Math proficiency: 40% ▼ -14.00%
• Reading proficiency: 55% ▼ -5.00%
• Median HH income: $53,474
• Composite: 43.13/100
• National rank: #6615
• State rank: #137 of 535 in MO

Livability — Parkway

• Score: 59/100
• State rank: #549
• US rank: #20188

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,183

Population outlook (Franklin County) Hauer SSP2

• Today (2025): 103,600 people
• By 2030: 103,298 · -0.3%
• By 2040: 100,607 · -2.9%
• By 2050: 94,280 · -9.0%
• By 2075: 77,103 · -25.6%
• By 2100: 54,405 · -47.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Two or more races 14% Hispanic / Latino 2%
• Common ancestry: Iranian 2% Lithuanian 2% Slovak 1%
• Foreign-born: 0%

Political lean MEDSL · Franklin

• 2024 margin: Solid R (+45.9) · D 26.5% · R 72.4% · Other 1.1%
• 2008→2024 swing: -33.5pp toward R · 2008: -12.4pp · 2024: -45.9pp
• All cycles: 2024: R+45.9 2020: R+43.8 2016: R+46.1 2012: R+27.9 2008: R+12.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.21%
• Current HPI: 168.2627
• 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

+275.0% since first listed

14 events — show timeline

• 2026-03-31 Price Changed $112,500 MARIS as Distributed by MLS Grid
• 2026-02-09 Listed $115,000 MARIS as Distributed by MLS Grid
• 2026-02-01 Coming Soon $115,000 MARIS as Distributed by MLS Grid
• 2022-06-24 Sold (Public Records) — Public Records
• 2022-06-22 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2022-04-15 Pending — MARIS as Distributed by MLS Grid
• 2022-01-29 Price Changed $99,900 MARIS as Distributed by MLS Grid
• 2021-11-18 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2021-11-06 Listed $114,900 MARIS as Distributed by MLS Grid
• 2021-11-05 Coming Soon $114,900 MARIS as Distributed by MLS Grid
• 1995-04-21 Sold (Public Records) — Public Records
• 1995-04-21 Sold (Public Records) $30,000 Public Records
• 1990-12-01 Sold (Public Records) — Public Records
• 1988-08-22 Sold (Public Records) — Public Records

Property tax history

+4.2%/yr

Latest (2025): $856 · +19.7% YoY. Source: county tax records.