280 N E L Hawk St · Puxico, MO 63960

$109,900

1 bd · 2.0 ba · 1,788 sqft · Other public records · 180 Days on market

Built 1920 0.34 ac lot $61/sqft · 9% below area Est $121k · 9% under ↓ 4% since listing

---

Why this score? — see what drove the C 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 +17.2/30.0
• ARV discount +11.7/15.0
• Appreciation +7.5/10.0
• DSCR +5.4/10.0
• 1% rule +3.7/10.0
• Schools +3.7/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This well-maintained 3-bedroom, 2-full-bath home offers over 1,700 sq ft of comfortable living space. Enjoy central heat and air, low utility costs, and sellers rave about the affordable heating and cooling bills. The spacious living room features a vaulted ceiling and a dedicated spot for a wood stove (current stove does not stay). Recent updates include new carpeting, vinyl flooring, and updates to the hall bathroom. The home also includes an attached 22x20 garage plus tons of closet storage throughout. Outside, enjoy a large patio—perfect for relaxing or entertaining—along with an extra lot featuring a 24x20 detached garage with electric. High-speed SEMO Fiber Internet keeps you connected. A great combination of space, updates, and value—don’t miss this one!

Key facts

• Vinyl flooring
• New carpeting
• Central heat and air

Tags

• CENTRAL HEAT AND AIR
• LOW UTILITY COSTS
• VAULTED CEILING
• NEW CARPETING
• VINYL FLOORING
• UPDATES TO HALL BATHROOM

What this means for you Summary

Snapshot

• This is a 1-bed/2.0-bath other listed at $110k.

Deal economics

• At list price, monthly cash flow is $79 ($946/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 $96k (12.5% below list).
• Recommended offer: $96k (12.5% below list) — sets the bar for 1% rule.
• Cap rate 7.2% vs local median 4.6% in Puxico — 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 66/100 on livability (#253 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: health & safety C-, schools D, employment D.
• Puxico R-VIII (rural): math 40% / reading 48% proficiency, ranked #111 of 324 in MO (top 34%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 14 active listings in the ZIP; 17 units permitted in Stoddard County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $6k of equity ($760 loan paydown + $6k appreciation (5.0% local appreciation)).
• Stoddard County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (5.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 180 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,149 (12.5% below list)

Questions for the listing agent

1. It's been on market 180 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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.
7. 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.
8. 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: 0.87% ✗
• Cap rate: 7.15%
• Cash-on-cash: 3.07%
• DSCR: 1.14
• GRM: 9.5

CMA / ARV

• ARV (median comp): $121,117
• List price: $109,900
• Delta: -9.26%
• Verdict: FAIR
• Comps: 16 within 1.0 mi

Projected returns pro-forma

5.02% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 15.5%
• Equity multiple: 1.99×
• Total profit: $30,452
• Equity at exit: $62,425

10-year hold

• IRR: 16.0%
• Equity multiple: 3.85×
• Total profit: $87,612
• Equity at exit: $107,857

Cash invested: $30,772 (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 63960

• Home prices YoY: 3.6%
• Active inventory: 14
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $961 medium
• Mortgage (P&I): −$576
• Tax from tax record: −$59 /mo · $704/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$202
• Net cashflow: $79

Break-even live

Break-even rent $862

Max offer price $109,900

Occupancy floor 87%

Sensitivity live

Price	-10% $141	-5% $110	+0% $79	+5% $48	+10% $17
Rent	-10% $3	-5% $41	+0% $79	+5% $117	+10% $155
Rate	-1.0pp $134	-0.5pp $107	base $79	+0.5pp $50	+1.0pp $21

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Listing history 21 events

1. 2026-06-21
   days on market $109,900 Active 180 DOM
2. 2026-06-18
   days on market $109,900 Active 178 DOM
3. 2026-06-17
   days on market $109,900 Active 177 DOM
4. 2026-06-16
   days on market $109,900 Active 176 DOM
5. 2026-06-15
   days on market $109,900 Active 175 DOM
6. 2026-06-13
   days on market $109,900 Active 173 DOM
7. 2026-06-12
   days on market $109,900 Active 172 DOM
8. 2026-06-09
   days on market $109,900 Active 169 DOM
9. 2026-06-08
   days on market $109,900 Active 168 DOM
10. 2026-06-07
    days on market $109,900 Active 167 DOM
11. 2026-06-07
    days on market $109,900 Active 166 DOM
12. 2026-06-04
    days on market $109,900 Active 163 DOM
13. 2026-06-02
    days on market $109,900 Active 162 DOM
14. 2026-06-01
    days on market $109,900 Active 161 DOM
15. 2026-05-31
    days on market $109,900 Active 160 DOM
16. 2026-05-06
    status Active 795-char remark

    Show marketing remark (795 chars)

    This well-maintained 3-bedroom, 2-full-bath home offers over 1,700 sq ft of comfortable living space. Enjoy central heat and air, low utility costs, and sellers rave about the affordable heating and cooling bills. The spacious living room features a vaulted ceiling and a dedicated spot for a wood stove (current stove does not stay). Recent updates include new carpeting, vinyl flooring, and updates to the hall bathroom. The home also includes an attached 22x20 garage plus tons of closet storage throughout. Outside, enjoy a large patio—perfect for relaxing or entertaining—along with an extra lot featuring a 24x20 detached garage with electric. High-speed SEMO Fiber Internet keeps you connected. A great combination of space, updates, and value—don’t miss this one!

17. 2026-04-29
    historical Active Under Contract 795-char remark

    Show marketing remark (795 chars)

    This well-maintained 3-bedroom, 2-full-bath home offers over 1,700 sq ft of comfortable living space. Enjoy central heat and air, low utility costs, and sellers rave about the affordable heating and cooling bills. The spacious living room features a vaulted ceiling and a dedicated spot for a wood stove (current stove does not stay). Recent updates include new carpeting, vinyl flooring, and updates to the hall bathroom. The home also includes an attached 22x20 garage plus tons of closet storage throughout. Outside, enjoy a large patio—perfect for relaxing or entertaining—along with an extra lot featuring a 24x20 detached garage with electric. High-speed SEMO Fiber Internet keeps you connected. A great combination of space, updates, and value—don’t miss this one!

18. 2026-03-03
    price $109,900 795-char remark

    Show marketing remark (795 chars)

    This well-maintained 3-bedroom, 2-full-bath home offers over 1,700 sq ft of comfortable living space. Enjoy central heat and air, low utility costs, and sellers rave about the affordable heating and cooling bills. The spacious living room features a vaulted ceiling and a dedicated spot for a wood stove (current stove does not stay). Recent updates include new carpeting, vinyl flooring, and updates to the hall bathroom. The home also includes an attached 22x20 garage plus tons of closet storage throughout. Outside, enjoy a large patio—perfect for relaxing or entertaining—along with an extra lot featuring a 24x20 detached garage with electric. High-speed SEMO Fiber Internet keeps you connected. A great combination of space, updates, and value—don’t miss this one!

19. 2026-01-20
    status Active 795-char remark

    Show marketing remark (795 chars)

    This well-maintained 3-bedroom, 2-full-bath home offers over 1,700 sq ft of comfortable living space. Enjoy central heat and air, low utility costs, and sellers rave about the affordable heating and cooling bills. The spacious living room features a vaulted ceiling and a dedicated spot for a wood stove (current stove does not stay). Recent updates include new carpeting, vinyl flooring, and updates to the hall bathroom. The home also includes an attached 22x20 garage plus tons of closet storage throughout. Outside, enjoy a large patio—perfect for relaxing or entertaining—along with an extra lot featuring a 24x20 detached garage with electric. High-speed SEMO Fiber Internet keeps you connected. A great combination of space, updates, and value—don’t miss this one!

20. 2026-01-09
    historical Active Under Contract 795-char remark

    Show marketing remark (795 chars)

    This well-maintained 3-bedroom, 2-full-bath home offers over 1,700 sq ft of comfortable living space. Enjoy central heat and air, low utility costs, and sellers rave about the affordable heating and cooling bills. The spacious living room features a vaulted ceiling and a dedicated spot for a wood stove (current stove does not stay). Recent updates include new carpeting, vinyl flooring, and updates to the hall bathroom. The home also includes an attached 22x20 garage plus tons of closet storage throughout. Outside, enjoy a large patio—perfect for relaxing or entertaining—along with an extra lot featuring a 24x20 detached garage with electric. High-speed SEMO Fiber Internet keeps you connected. A great combination of space, updates, and value—don’t miss this one!

21. 2025-12-22
    listed $115,000 Active 795-char remark

    Show marketing remark (795 chars)

    This well-maintained 3-bedroom, 2-full-bath home offers over 1,700 sq ft of comfortable living space. Enjoy central heat and air, low utility costs, and sellers rave about the affordable heating and cooling bills. The spacious living room features a vaulted ceiling and a dedicated spot for a wood stove (current stove does not stay). Recent updates include new carpeting, vinyl flooring, and updates to the hall bathroom. The home also includes an attached 22x20 garage plus tons of closet storage throughout. Outside, enjoy a large patio—perfect for relaxing or entertaining—along with an extra lot featuring a 24x20 detached garage with electric. High-speed SEMO Fiber Internet keeps you connected. A great combination of space, updates, and value—don’t miss this one!

ⓘ 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: $704 · $59/mo
• Projected year-2 tax: $1,066 · $89/mo
• Expected delta: +$362/yr (+$30/mo · 51.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,538
• − Mortgage interest: −$6,156
• − Property taxes: −$704
• − Insurance: −$550
• − Repairs & maintenance: −$923
• − Management: −$923
• − Depreciation: −$3,197
• Taxable loss: −$915
• Est. tax savings @ 24.0%: +$220
• After-tax cash flow: $1,165/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: Puxico R-VIII
• NCES district ID: 2925650
• Math proficiency: 40% ▲ 14.00%
• Reading proficiency: 48% ▲ 3.00%
• Median HH income: $38,269
• Composite: 36.66/100
• National rank: #4613
• State rank: #111 of 324 in MO

Livability — Puxico

• Score: 66/100
• State rank: #253
• US rank: #12278

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Puxico, MO
• Population (ZIP): 3,448

Population outlook (Stoddard County) Hauer SSP2

• Today (2025): 29,096 people
• By 2030: 28,478 · -2.1%
• By 2040: 27,073 · -7.0%
• By 2050: 25,512 · -12.3%
• By 2075: 21,740 · -25.3%
• By 2100: 17,841 · -38.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 5%
• Common ancestry: Iranian 3% Lithuanian 2% Italian 1%
• Foreign-born: 0%

Political lean MEDSL · Stoddard

• 2024 margin: Solid R (+73.9) · D 12.8% · R 86.7%
• 2008→2024 swing: -34.1pp toward R · 2008: -39.8pp · 2024: -73.9pp
• All cycles: 2024: R+73.9 2020: R+72.0 2016: R+69.3 2012: R+49.3 2008: R+39.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 5.02%
• Current HPI: 143.7278
• 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

-4.4% since first listed

6 events — show timeline

• 2026-05-06 Relisted — MARIS as Distributed by MLS Grid
• 2026-04-29 Contingent — MARIS as Distributed by MLS Grid
• 2026-03-03 Price Changed $109,900 MARIS as Distributed by MLS Grid
• 2026-01-20 Relisted — MARIS as Distributed by MLS Grid
• 2026-01-09 Contingent — MARIS as Distributed by MLS Grid
• 2025-12-22 Listed $115,000 MARIS as Distributed by MLS Grid

Property tax history

+3.3%/yr

Latest (2025): $704 · +11.4% YoY. Source: county tax records.