102 Chevy Chase Ln · New Bloomfield, MO 65063

$184,900

3 bd · 1.0 ba · 1,000 sqft · SingleFamily public records · 2 Days on market

Built 2017 0.58 ac lot $185/sqft · at area comps Est $187k · at est.

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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 +21.2/30.0
• ARV discount +7.9/15.0
• DSCR +6.7/10.0
• 1% rule +4.6/10.0
• Schools +3.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Located in USDA eligible area this one-level home is situated on a spacious corner lot in New Bloomfield. This well-maintained property offers a fenced backyard with a storage shed, perfect for outdoor living and extra storage. Inside, you'll find matching plank flooring throughout for a clean, modern feel. The eat-in kitchen includes appliances, with the microwave updated in 2021. This all-electric home also features a convenient laundry room and a primary suite with a walk-in closet. Stay connected with Callabyte Fiber Internet, and relax or entertain on the rear patio.

Key facts

• Laundry room
• Primary suite
• Storage shed

Tags

• FENCED BACKYARD
• STORAGE SHED
• MATCHING PLANK FLOORING
• EAT-IN KITCHEN
• LAUNDRY ROOM
• PRIMARY SUITE

Property features AI

Exterior

• Utilities: Public water; Public sewer
• Home design: Single-family residence
• Exterior features: Patio; Fenced yard; Shed(s)

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Refrigerator; Range
• Bedrooms: Total rooms: 6
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump and electric heating; No central cooling
• Interior features: Walk-in closet(s); No basement
• Laundry & utility: Laundry on main level

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $185k.

Deal economics

• At list price, monthly cash flow is $266 ($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 $178k (3.9% below list).
• Recommended offer: $178k (3.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#365 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D, crime F, amenities F.
• New Bloomfield R-III (rural): math 35% / reading 39% proficiency, ranked #165 of 324 in MO (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 35 active listings in the ZIP; 40 units permitted in Callaway County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 6y 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.

Recommended offer $177,767 (3.9% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
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: 0.96% ✗
• Cap rate: 8.02%
• Cash-on-cash: 6.16%
• DSCR: 1.27
• GRM: 8.7

CMA / ARV

• ARV (median comp): $186,714
• List price: $184,900
• Delta: -0.97%
• Verdict: FAIR
• Comps: 12 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
102 Chevy Chase Ln	0.00mi	3/1.0	1,000 (0%)	1mo	$184,900	$185	99
711 Redwood Dr	0.06mi	3/1.0	1,103 (+10%)	20mo	$209,900	$190	64
614 Cedar Ln	0.32mi	3/1.0	959 (-4%)	19mo	$161,900	$169	62
336 Elmwood Circle Cir	0.37mi	3/1.0	1,022 (+2%)	22mo	$165,000	$161	60
108 Oak St	0.66mi	3/1.0	960 (-4%)	22mo	$179,900	$187	45

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -6.8%
• Equity multiple: 0.75×
• Total profit: $-13,081
• Equity at exit: $27,569

10-year hold

• IRR: 2.7%
• Equity multiple: 1.20×
• Total profit: $10,182
• Equity at exit: $15,987

Cash invested: $51,772 (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 65063

• Home prices YoY: -26.8%
• Active inventory: 35
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,778 medium
• Mortgage (P&I): −$970
• Tax from tax record: −$92 /mo · $1,101/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$373
• Net cashflow: $266

Break-even live

Break-even rent $1,441

Max offer price $184,900

Occupancy floor 80%

Sensitivity live

Price	-10% $371	-5% $318	+0% $266	+5% $214	+10% $161
Rent	-10% $126	-5% $196	+0% $266	+5% $336	+10% $406
Rate	-1.0pp $359	-0.5pp $313	base $266	+0.5pp $218	+1.0pp $169

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: $46,225
• Closing costs: $5,547
• Reserves months: —
• Total cash needed: —

Listing history 18 events

1. 2026-05-03
   status Pending 579-char remark

   Show marketing remark (579 chars)

   Located in USDA eligible area this one-level home is situated on a spacious corner lot in New Bloomfield. This well-maintained property offers a fenced backyard with a storage shed, perfect for outdoor living and extra storage. Inside, you'll find matching plank flooring throughout for a clean, modern feel. The eat-in kitchen includes appliances, with the microwave updated in 2021. This all-electric home also features a convenient laundry room and a primary suite with a walk-in closet. Stay connected with Callabyte Fiber Internet, and relax or entertain on the rear patio.

2. 2026-05-03
   status Pending 579-char remark

   Show marketing remark (579 chars)

   Located in USDA eligible area this one-level home is situated on a spacious corner lot in New Bloomfield. This well-maintained property offers a fenced backyard with a storage shed, perfect for outdoor living and extra storage. Inside, you'll find matching plank flooring throughout for a clean, modern feel. The eat-in kitchen includes appliances, with the microwave updated in 2021. This all-electric home also features a convenient laundry room and a primary suite with a walk-in closet. Stay connected with Callabyte Fiber Internet, and relax or entertain on the rear patio.

3. 2026-05-01
   listed $184,900 Active 579-char remark

   Show marketing remark (579 chars)

   Located in USDA eligible area this one-level home is situated on a spacious corner lot in New Bloomfield. This well-maintained property offers a fenced backyard with a storage shed, perfect for outdoor living and extra storage. Inside, you'll find matching plank flooring throughout for a clean, modern feel. The eat-in kitchen includes appliances, with the microwave updated in 2021. This all-electric home also features a convenient laundry room and a primary suite with a walk-in closet. Stay connected with Callabyte Fiber Internet, and relax or entertain on the rear patio.

4. 2026-05-01
   listed $184,900 Active 579-char remark

   Show marketing remark (579 chars)

   Located in USDA eligible area this one-level home is situated on a spacious corner lot in New Bloomfield. This well-maintained property offers a fenced backyard with a storage shed, perfect for outdoor living and extra storage. Inside, you'll find matching plank flooring throughout for a clean, modern feel. The eat-in kitchen includes appliances, with the microwave updated in 2021. This all-electric home also features a convenient laundry room and a primary suite with a walk-in closet. Stay connected with Callabyte Fiber Internet, and relax or entertain on the rear patio.

5. 2022-08-30
   soldstatus
6. 2022-08-26
   soldstatus Closed

   Show marketing remark (383 chars)

   Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

7. 2022-08-26
   soldstatus Closed

   Show marketing remark (383 chars)

   Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

8. 2022-08-26
   soldstatus Closed

   Show marketing remark (383 chars)

   Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

9. 2022-07-12
   status Pending

   Show marketing remark (383 chars)

   Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

10. 2022-07-12
    status Pending

    Show marketing remark (383 chars)

    Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

11. 2022-06-23
    listed $155,000 Active

    Show marketing remark (383 chars)

    Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

12. 2022-06-23
    listed $155,000 Active

    Show marketing remark (383 chars)

    Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

13. 2022-06-23
    listed $155,000 Active

    Show marketing remark (383 chars)

    Discover this one level home on a large corner lot in New Bloomfield with fenced back yard & storage shed! Home features matching plank flooring throughout! Eat in Kitchen with appliances! Microwave replaced in 2021. Ceiling fans in living room & 3 bedrooms! All Electric Home! Laundry Room! Master Bedroom features a walk in closet! Callabyte Fiber Internet! Rear Patio!

14. 2021-01-08
    soldstatus
15. 2021-01-07
    soldstatus
16. 2021-01-07
    soldstatus
17. 2020-11-06
    listed $126,900
18. 2020-09-29
    listed $126,900

ⓘ 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: $1,101 · $92/mo
• Projected year-2 tax: $1,794 · $149/mo
• Expected delta: +$693/yr (+$58/mo · 63.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,332
• − Mortgage interest: −$10,357
• − Property taxes: −$1,101
• − Insurance: −$924
• − Repairs & maintenance: −$1,707
• − Management: −$1,707
• − Depreciation: −$5,379
• Taxable income: $158
• Est. tax owed @ 24.0%: −$38
• After-tax cash flow: $3,154/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: New Bloomfield R-III
• NCES district ID: 2921875
• Math proficiency: 35% ▼ -5.00%
• Reading proficiency: 39% ▼ -6.00%
• Median HH income: $60,892
• Composite: 33.04/100
• National rank: #5574
• State rank: #165 of 324 in MO

Livability — New Bloomfield

• Score: 63/100
• State rank: #365
• US rank: #16061

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Bloomfield, MO
• City population: 4,180
• Population (ZIP): 4,180

Population outlook (Callaway County) Hauer SSP2

• Today (2025): 45,390 people
• By 2030: 45,493 · +0.2%
• By 2040: 45,092 · -0.7%
• By 2050: 44,069 · -2.9%
• By 2075: 41,875 · -7.7%
• By 2100: 38,094 · -16.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 7% Hispanic / Latino 2%
• Common ancestry: Italian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 1%
• Languages at home: 97% English-only · Spanish 1%

Political lean MEDSL · Callaway

• 2024 margin: Solid R (+43.3) · D 27.6% · R 70.9% · Other 1.5%
• 2008→2024 swing: -23.6pp toward R · 2008: -19.7pp · 2024: -43.3pp
• All cycles: 2024: R+43.3 2020: R+42.3 2016: R+42.2 2012: R+31.1 2008: R+19.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.75%
• Current HPI: 206.671
• 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

+45.7% since first listed

20 events — show timeline

• 2026-05-27 Sold (MLS) — JCMLS
• 2026-05-27 Sold (MLS) — CBORMLS
• 2026-05-03 Pending — JCMLS
• 2026-05-03 Pending — CBORMLS
• 2026-05-01 Listed $184,900 JCMLS
• 2026-05-01 Listed $184,900 CBORMLS
• 2022-08-30 Sold (Public Records) — Public Records
• 2022-08-26 Sold (MLS) — CBORMLS
• 2022-08-26 Sold (MLS) — HMMLS
• 2022-08-26 Sold (MLS) — JCMLS
• 2022-07-12 Pending — JCMLS
• 2022-07-12 Pending — CBORMLS
• 2022-06-23 Listed $155,000 CBORMLS
• 2022-06-23 Listed $155,000 HMMLS
• 2022-06-23 Listed $155,000 JCMLS
• 2021-01-08 Sold (Public Records) — Public Records
• 2021-01-07 Sold (MLS) — CBORMLS
• 2021-01-07 Sold (MLS) — JCMLS
• 2020-11-06 Listed $126,900 CBORMLS
• 2020-09-29 Listed $126,900 JCMLS

Property tax history

+5.9%/yr

Latest (2025): $1,101 · +2.0% YoY. Source: county tax records.