53 H And A Ln · Camdenton, MO 65787

$195,000

2 bd · 1.0 ba · 520 sqft · Other public records · 156 Days on market

Built 1946 $375/sqft · 27% below area Est $266k · 27% under · waterfront $58/mo HOA · 4% of rent ↓ 2% since listing

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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 +15.0/15.0
• Cash flow +7.3/30.0
• Appreciation +5.2/10.0
• Livability +3.4/5.0
• Schools +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• DSCR +1.5/10.0

Listing remarks MLS

The IDEAL starter setup for your lakefront living! This two bedroom, one bathroom home is DARLING!! Featuring year round lake views, end-of-the-dock slip, and a strong community feel, this home is perfect for the lake getaway you've always dreamed of! New finishes throughout, new appliances, and a blank slate perfect for your final touches! All furnishing in the home are included in the sale. This home is designed for low maintenance, with lake living at the forefront of every aspect! Located just past the mouth of the Little Niangua, enjoy the quiet side of the lake with some amazing fishing in the Niangua arms, or get right into the thick of it with a short boat ride to Nautifish Rum Bar, The Cave, any many more! This home is just a quick drive off of Hwy 54, all of the in-town amenities are within striking distance, making sure your quiet slice of paradise never goes without! The lot on this home extends up to the road, giving the ability to add on, increase parking, or open it up to additional outdoor living space with great views! This one will not last long, so make sure to come take a peek before it's gone!!

Key facts

• Lakefront living
• New finishes
• End-of-the-dock slip

Tags

• LAKEFRONT LIVING
• YEAR ROUND LAKE VIEWS
• END-OF-THE-DOCK SLIP
• NEW FINISHES
• NEW APPLIANCES
• LOW MAINTENANCE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $195k.

Deal economics

• At list price, monthly cash flow is $-260 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $157k (19.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $145k (25.6% below list).
• Recommended offer: $145k (25.6% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 1.7% in Camdenton — 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 68/100 on livability (#186 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
• Macks Creek R-V (rural): math 30% / reading 40% proficiency, ranked #399 of 535 in MO (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Macks Creek Elem. (math 32% / reading 37%, grade F, #676 of 1,115 statewide, top 66%, 185 students, 98% FRL); Macks Creek High (math 32% / reading 42%, grade F, #291 of 521 statewide, top 60%, 154 students, 98% FRL) — zoned schools average 98% FRL vs 57% district-wide (41 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 51 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 272 units permitted in Camden County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $2k of equity ($1k loan paydown + $807 appreciation (0.4% local appreciation)).
• Camden County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 156 days — a 12% lower offer ($172k) 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 1946 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,000 (25.6% 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. It's been on market 156 days. Have you received any prior offers? Is the seller open to a 26% concession, seller financing, or rate buy-down credit?
3. Built in 1946 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
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. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
10. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
11. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
12. 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.
13. 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.
14. 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: 0.74% ✗
• Cap rate: 4.69%
• Cash-on-cash: -5.72%
• DSCR: 0.75
• GRM: 11.2

CMA / ARV

• ARV (median comp): $265,613
• List price: $195,000
• Delta: -26.58%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

0.41% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.0%
• Equity multiple: 0.66×
• Total profit: $-18,390
• Equity at exit: $60,689

10-year hold

• IRR: -1.2%
• Equity multiple: 0.87×
• Total profit: $-7,132
• Equity at exit: $76,281

Cash invested: $54,600 (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 65787

• Home prices YoY: 0.2%
• Active inventory: 51
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $1,450 medium
• Mortgage (P&I): −$1,023
• Tax est. 1.5%: −$244 /mo · $2,925/yr
• Insurance: −$81
• HOA: −$58
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $-260

Break-even live

Break-even rent $1,779

Max offer price $157,363

Occupancy floor —

Sensitivity live

Price	-10% $-125	-5% $-193	+0% $-260	+5% $-327	+10% $-395
Rent	-10% $-375	-5% $-317	+0% $-260	+5% $-203	+10% $-146
Rate	-1.0pp $-162	-0.5pp $-211	base $-260	+0.5pp $-311	+1.0pp $-362

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
80 Wilson Resort Dr Unit 7 Camdenton, MO	3.0	1.0	650	$1,450	$2.23	23d	1	1.42mi

HOA detail

• Monthly dues: $58 · $696/yr

Listing history 25 events

1. 2026-06-21
   days on market $195,000 Active 156 DOM
2. 2026-06-18
   days on market $195,000 Active 153 DOM
3. 2026-06-17
   days on market $195,000 Active 152 DOM
4. 2026-06-16
   days on market $195,000 Active 151 DOM
5. 2026-06-15
   days on market $195,000 Active 150 DOM
6. 2026-06-14
   days on market $195,000 Active 148 DOM
7. 2026-06-13
   days on market $195,000 Active 147 DOM
8. 2026-06-10
   days on market $195,000 Active 145 DOM
9. 2026-06-09
   days on market $195,000 Active 144 DOM
10. 2026-06-08
    days on market $195,000 Active 143 DOM
11. 2026-06-07
    days on market $195,000 Active 142 DOM
12. 2026-06-05
    days on market $195,000 Active 139 DOM
13. 2026-06-03
    days on market $195,000 Active 138 DOM
14. 2026-06-02
    days on market $195,000 Active 137 DOM
15. 2026-06-01
    days on market $195,000 Active 136 DOM
16. 2026-05-31
    days on market $195,000 Active 135 DOM
17. 2026-05-31
    days on market $195,000 Active 134 DOM
18. 2026-05-17
    status Active 1132-char remark

    Show marketing remark (1132 chars)

    The IDEAL starter setup for your lakefront living! This two bedroom, one bathroom home is DARLING!! Featuring year round lake views, end-of-the-dock slip, and a strong community feel, this home is perfect for the lake getaway you've always dreamed of! New finishes throughout, new appliances, and a blank slate perfect for your final touches! All furnishing in the home are included in the sale. This home is designed for low maintenance, with lake living at the forefront of every aspect! Located just past the mouth of the Little Niangua, enjoy the quiet side of the lake with some amazing fishing in the Niangua arms, or get right into the thick of it with a short boat ride to Nautifish Rum Bar, The Cave, any many more! This home is just a quick drive off of Hwy 54, all of the in-town amenities are within striking distance, making sure your quiet slice of paradise never goes without! The lot on this home extends up to the road, giving the ability to add on, increase parking, or open it up to additional outdoor living space with great views! This one will not last long, so make sure to come take a peek before it's gone!!

19. 2026-05-16
    historical 1132-char remark

    Show marketing remark (1132 chars)

    The IDEAL starter setup for your lakefront living! This two bedroom, one bathroom home is DARLING!! Featuring year round lake views, end-of-the-dock slip, and a strong community feel, this home is perfect for the lake getaway you've always dreamed of! New finishes throughout, new appliances, and a blank slate perfect for your final touches! All furnishing in the home are included in the sale. This home is designed for low maintenance, with lake living at the forefront of every aspect! Located just past the mouth of the Little Niangua, enjoy the quiet side of the lake with some amazing fishing in the Niangua arms, or get right into the thick of it with a short boat ride to Nautifish Rum Bar, The Cave, any many more! This home is just a quick drive off of Hwy 54, all of the in-town amenities are within striking distance, making sure your quiet slice of paradise never goes without! The lot on this home extends up to the road, giving the ability to add on, increase parking, or open it up to additional outdoor living space with great views! This one will not last long, so make sure to come take a peek before it's gone!!

20. 2026-04-23
    price $195,000 1132-char remark

    Show marketing remark (1132 chars)

    The IDEAL starter setup for your lakefront living! This two bedroom, one bathroom home is DARLING!! Featuring year round lake views, end-of-the-dock slip, and a strong community feel, this home is perfect for the lake getaway you've always dreamed of! New finishes throughout, new appliances, and a blank slate perfect for your final touches! All furnishing in the home are included in the sale. This home is designed for low maintenance, with lake living at the forefront of every aspect! Located just past the mouth of the Little Niangua, enjoy the quiet side of the lake with some amazing fishing in the Niangua arms, or get right into the thick of it with a short boat ride to Nautifish Rum Bar, The Cave, any many more! This home is just a quick drive off of Hwy 54, all of the in-town amenities are within striking distance, making sure your quiet slice of paradise never goes without! The lot on this home extends up to the road, giving the ability to add on, increase parking, or open it up to additional outdoor living space with great views! This one will not last long, so make sure to come take a peek before it's gone!!

21. 2026-03-16
    status Active 1132-char remark

    Show marketing remark (1132 chars)

    The IDEAL starter setup for your lakefront living! This two bedroom, one bathroom home is DARLING!! Featuring year round lake views, end-of-the-dock slip, and a strong community feel, this home is perfect for the lake getaway you've always dreamed of! New finishes throughout, new appliances, and a blank slate perfect for your final touches! All furnishing in the home are included in the sale. This home is designed for low maintenance, with lake living at the forefront of every aspect! Located just past the mouth of the Little Niangua, enjoy the quiet side of the lake with some amazing fishing in the Niangua arms, or get right into the thick of it with a short boat ride to Nautifish Rum Bar, The Cave, any many more! This home is just a quick drive off of Hwy 54, all of the in-town amenities are within striking distance, making sure your quiet slice of paradise never goes without! The lot on this home extends up to the road, giving the ability to add on, increase parking, or open it up to additional outdoor living space with great views! This one will not last long, so make sure to come take a peek before it's gone!!

22. 2026-03-16
    historical 1132-char remark

    Show marketing remark (1132 chars)

    The IDEAL starter setup for your lakefront living! This two bedroom, one bathroom home is DARLING!! Featuring year round lake views, end-of-the-dock slip, and a strong community feel, this home is perfect for the lake getaway you've always dreamed of! New finishes throughout, new appliances, and a blank slate perfect for your final touches! All furnishing in the home are included in the sale. This home is designed for low maintenance, with lake living at the forefront of every aspect! Located just past the mouth of the Little Niangua, enjoy the quiet side of the lake with some amazing fishing in the Niangua arms, or get right into the thick of it with a short boat ride to Nautifish Rum Bar, The Cave, any many more! This home is just a quick drive off of Hwy 54, all of the in-town amenities are within striking distance, making sure your quiet slice of paradise never goes without! The lot on this home extends up to the road, giving the ability to add on, increase parking, or open it up to additional outdoor living space with great views! This one will not last long, so make sure to come take a peek before it's gone!!

23. 2026-01-15
    listed $199,000 Active 1132-char remark

    Show marketing remark (1132 chars)

    The IDEAL starter setup for your lakefront living! This two bedroom, one bathroom home is DARLING!! Featuring year round lake views, end-of-the-dock slip, and a strong community feel, this home is perfect for the lake getaway you've always dreamed of! New finishes throughout, new appliances, and a blank slate perfect for your final touches! All furnishing in the home are included in the sale. This home is designed for low maintenance, with lake living at the forefront of every aspect! Located just past the mouth of the Little Niangua, enjoy the quiet side of the lake with some amazing fishing in the Niangua arms, or get right into the thick of it with a short boat ride to Nautifish Rum Bar, The Cave, any many more! This home is just a quick drive off of Hwy 54, all of the in-town amenities are within striking distance, making sure your quiet slice of paradise never goes without! The lot on this home extends up to the road, giving the ability to add on, increase parking, or open it up to additional outdoor living space with great views! This one will not last long, so make sure to come take a peek before it's gone!!

24. 2020-10-30
    soldstatus
25. 2003-07-01
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% 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: $17,400
• − Mortgage interest: −$10,923
• − Property taxes: −$2,925
• − Insurance: −$975
• − Repairs & maintenance: −$1,392
• − Management: −$1,392
• − HOA: −$696
• − Depreciation: −$5,673
• Taxable loss: −$6,576
• Est. tax savings @ 24.0%: +$1,578
• After-tax cash flow: $-1,543/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: Macks Creek R-V
• NCES district ID: 2919380
• Math proficiency: 30% ▲ 5.00%
• Reading proficiency: 40% ▬ 0.00%
• Median HH income: $37,202
• Composite: 31.74/100
• National rank: #11100
• State rank: #399 of 535 in MO

Livability — Camdenton

• Score: 68/100
• State rank: #186
• US rank: #9869

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 14,748
• Population (ZIP): 1,253

Population outlook (Camden County) Hauer SSP2

• Today (2025): 44,585 people
• By 2030: 44,476 · -0.2%
• By 2040: 43,513 · -2.4%
• By 2050: 41,705 · -6.5%
• By 2075: 36,903 · -17.2%
• By 2100: 30,164 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 5% Hispanic / Latino 2% Asian 1%
• Common ancestry: Lithuanian 4% Italian 3% Serbian 3%
• Foreign-born: 2% · China, Canada, Jamaica
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Camden

• 2024 margin: Solid R (+54.3) · D 22.4% · R 76.7%
• 2008→2024 swing: -25.8pp toward R · 2008: -28.5pp · 2024: -54.3pp
• All cycles: 2024: R+54.3 2020: R+53.2 2016: R+54.2 2012: R+39.3 2008: R+28.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 0.41%
• Current HPI: 168.6044
• 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

-2.0% since first listed

8 events — show timeline

• 2026-05-17 Relisted — LOBR
• 2026-05-16 Delisted — LOBR
• 2026-04-23 Price Changed $195,000 LOBR
• 2026-03-16 Relisted — LOBR
• 2026-03-16 Delisted — LOBR
• 2026-01-15 Listed $199,000 LOBR
• 2020-10-30 Sold (Public Records) — Public Records
• 2003-07-01 Sold (Public Records) — Public Records

Property tax history

+1.5%/yr

Latest (2025): $352 · +2.1% YoY. Source: county tax records.