208 Lorene Dr · O'Fallon, MO 63366

$169,900

3 bd · 1.5 ba · 1,750 sqft · SingleFamily public records · 1 Days on market

Built 1958 0.52 ac lot

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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 +22.7/30.0
• ARV discount +7.5/15.0
• DSCR +7.3/10.0
• 1% rule +6.9/10.0
• Schools +5.1/10.0
• Rent growth +4.4/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Key facts

• Screened-in porch
• Spacious backyard
• One-level living

Tags

• SCREENED-IN PORCH
• SPACIOUS BACKYARD
• ONE-LEVEL LIVING
• FORT ZUMWALT SCHOOL DISTRICT
• CLOSE TO SHOPPING
• CLOSE TO DINING

Property features AI

Finance

• Other: Living area reported as 1,175 (assessor)
• Financial info: Lease not considered

Exterior

• Parking: Carport with space for 2 vehicles (total 2 parking spaces)
• Utilities: Public water; Public sewer; Electric service by Ameren; Cable available
• Home design: Single-family residence; One story; Residential property
• Construction: Vinyl siding
• Exterior features: Patio; Screened porch; Rectangular lot

Interior

• Kitchen: Kitchen
• Bedrooms: Three bedrooms (all on the main level)
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Living room; Dining room; Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $292 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Cap rate 8.4% 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 C — 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: Mount Hope Elem. (math 60% / reading 65%, grade B, #95 of 1,115 statewide, top 9%, 454 students, 15% FRL); Ft. Zumwalt North High (math 49% / reading 58%, grade C-, #83 of 521 statewide, top 16%, 1,497 students, 18% FRL) — zoned schools at 17% FRL track the district average.
• Market conditions: Rents rising fast (+7.4%/yr); 254 active listings in the ZIP; solid renter incomes; 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 $1k of loan paydown is wiped out by about $5k 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.
• At projected returns (-3.0% appreciation + 7.4% rent growth), your $48k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $169,900

Questions for the listing agent

1. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.19% ✓
• Cap rate: 8.36%
• Cash-on-cash: 7.37%
• DSCR: 1.33
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $360,500
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
410 Raymond Dr	0.21mi	3/2.0	1,680 (-4%)	6mo	$325,000	$193	77
1040 Highway P	0.10mi	3/2.0	1,888 (+8%)	8mo	$450,000	$238	74
1655 Oakwood Dr	0.41mi	3/2.0	1,734 (-1%)	11mo	$300,000	$173	69
506 Robert Dr	0.24mi	4/2.0 (+1)	1,792 (+2%)	12mo	$240,000	$134	68
1634 Knightwood Ln	0.35mi	3/2.0	1,862 (+6%)	10mo	$300,000	$161	63
1058 Fawn Ridge Dr	0.26mi	3/2.0	1,524 (-13%)	6mo	$299,900	$197	60
945 Crestwood Ln	0.47mi	3/3.5	1,728 (-1%)	11mo	$340,000	$197	59
1331 Woodgrove Park Dr	0.67mi	3/2.0	1,609 (-8%)	4mo	$399,000	$248	50
958 Crestwood Ln	0.54mi	2/2.0 (-1)	1,575 (-10%)	4mo	$325,000	$206	48
319 Narrowleaf Ln	0.73mi	3/2.0	1,571 (-10%)	2mo	$385,000	$245	45
955 Crestwood Ln	0.52mi	3/2.0	1,532 (-12%)	11mo	$330,000	$215	44
1148 Duxbury Ln	0.68mi	4/3.0 (+1)	1,634 (-7%)	5mo	$389,900	$239	42

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 · 7.43% rent growth · sell at horizon

5-year hold

• IRR: 0.3%
• Equity multiple: 1.01×
• Total profit: $583
• Equity at exit: $25,333

10-year hold

• IRR: 14.3%
• Equity multiple: 2.41×
• Total profit: $67,198
• Equity at exit: $14,690

Cash invested: $47,572 (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 63366

• Rents YoY: 7.4%
• Active inventory: 254
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $2,020 medium
• Mortgage (P&I): −$891
• Tax from tax record: −$342 /mo · $4,104/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$424
• Net cashflow: $292

Break-even live

Break-even rent $1,650

Max offer price $169,900

Occupancy floor 81%

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Listing history 1 events

1. 2026-06-19
   listed $169,900 Active 1 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: $4,104 · $342/mo
• Projected year-2 tax: $4,104 · $342/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 4/10 Moderate 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: $24,240
• − Mortgage interest: −$9,517
• − Property taxes: −$4,104
• − Insurance: −$850
• − Repairs & maintenance: −$1,939
• − Management: −$1,939
• − Depreciation: −$4,943
• Taxable income: $948
• Est. tax owed @ 24.0%: −$228
• After-tax cash flow: $3,277/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

• County: Saint Charles County · 399,703 people
• City population: 45,862
• Metro: St. Louis, MO-IL
• Population (ZIP): 54,769
• Household income: $100,621
• Rent vs Own: 17.9% rent · 82.1% own
• Severe rent burden: 869.0

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 (81%)
• Race & ethnicity: White 81% Two or more races 8% Hispanic / Latino 6% Black 5% Asian 3%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 3% Romanian 3% Italian 3%
• Foreign-born: 5% · Canada, Vietnam, South Korea
• Languages at home: 94% English-only · Spanish 2% Vietnamese 1% Other Asian/Pacific 1%

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: ▼ -219.79%
• Current HPI: 226.7579
• Rent YoY: ▲ 7.43%
• 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

+0.0% since first listed

2 events — show timeline

• 2026-06-18 Listed $169,900 MARIS as Distributed by MLS Grid
• 2026-06-18 Coming Soon $169,900 MARIS as Distributed by MLS Grid

Property tax history

+4.0%/yr

Latest (2025): $4,104 · +3.6% YoY. Source: county tax records.