2738 E Moonlight St · Republic, MO 65738

$240,000

3 bd · 2.0 ba · 1,325 sqft · SingleFamily public records · 39 Days on market

Built 2006 0.25 ac lot $181/sqft · 14% below area Est $279k · 14% under

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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 +13.8/15.0
• Cash flow +13.1/30.0
• Schools +4.8/10.0
• DSCR +3.9/10.0
• Livability +3.6/5.0
• Rent growth +3.4/5.0
• 1% rule +2.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to comfort, simplicity, and a place that just feels right. This charming ranch-style home in Republic, Missouri offers the perfect balance of space, functionality, and affordability--ideal for a first-time buyer, someone ready to move up, or those looking to simplify and downsize. Step inside and you'll immediately notice the inviting open floor plan, where the family room's vaulted ceiling creates an airy, welcoming space perfect for relaxing evenings or gathering with friends and family. The traditional layout offers a timeless feel while still providing the openness today's buyers love. The primary suite is designed to be your own quiet retreat, featuring an elegant tray ceiling and not one, but two walk-in closets, giving you plenty of room for storage and organization. Two additional bedrooms and a second full bath provide flexibility for family, guests, or even a home office. Out back, you'll find a large backyard with endless possibilities--room for kids or pets to play, space for weekend barbecues, or simply a peaceful spot to unwind at the end of the day. Whether you're starting a new chapter, investing in your future, or simply looking for a comfortable place to call home, this well-maintained property is ready to welcome you.

Key facts

• Open floor plan
• Tray ceiling
• Vaulted ceiling

Tags

• OPEN FLOOR PLAN
• VAULTED CEILING
• TRAY CEILING
• WALK-IN CLOSETS
• LARGE BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-8 ($-99/yr) — negative.
• To cash-flow at today's rent, offer at most $239k (0.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (21.7% below list).
• Recommended offer: $188k (21.7% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 4.0% in Republic — 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 72/100 on livability (#92 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: amenities F, commute F, health & safety F.
• Republic R-III (suburban): math 56% / reading 57% proficiency, ranked #19 of 324 in MO (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.6%/yr); 478 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 71% of comp listings sitting > 30 days — soft ceiling on asking rent; 1,302 units permitted in Greene County in 2024 (250 in 5+ unit buildings).
• This rent runs 33% of the median local income ($68k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Greene County population projected at +25% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($233k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 11y 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.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $187,906 (21.7% 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 39 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.78% ✗
• Cap rate: 6.25%
• Cash-on-cash: -0.15%
• DSCR: 0.99
• GRM: 10.6

CMA / ARV

• ARV (median comp): $279,035
• List price: $240,000
• Delta: -13.99%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2738 E Moonlight St	0.00mi	3/2.0	1,325 (0%)	1mo	$240,000	$181	99
2533 E Moonlight St	0.22mi	3/2.0	1,343 (+1%)	3mo	$245,000	$182	85
435 N Claremont Pl	0.17mi	3/2.0	1,375 (+4%)	3mo	$237,000	$172	83
3120 E Marshall St	0.48mi	3/2.0	1,335 (+1%)	1mo	$260,000	$195	76
548 N Jester Ave	0.20mi	3/2.0	1,208 (-9%)	1mo	$235,000	$195	75
3106 E Marshall St	0.47mi	3/2.0	1,320 (-0%)	3mo	$249,995	$189	75
761 N Lexington Ave	0.31mi	3/2.0	1,404 (+6%)	3mo	$254,900	$182	73
3099 E Loren St	0.42mi	3/2.0	1,362 (+3%)	3mo	$229,900	$169	73
2418 E Terrier St	0.54mi	3/2.0	1,300 (-2%)	2mo	$260,467	$200	70
2429 E Timber Oak St	0.51mi	3/2.0	1,350 (+2%)	3mo	$262,229	$194	70
2462 E Beagle St	0.61mi	3/2.0	1,504 (+14%)	3mo	$269,900	$179	47
1180 N Cardinal Ave	0.73mi	3/2.0	1,501 (+13%)	1mo	$287,500	$192	43

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 · 3.61% rent growth · sell at horizon

5-year hold

• IRR: -16.0%
• Equity multiple: 0.43×
• Total profit: $-38,331
• Equity at exit: $35,785

10-year hold

• IRR: -6.7%
• Equity multiple: 0.56×
• Total profit: $-29,535
• Equity at exit: $20,751

Cash invested: $67,200 (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 65738

• Home prices YoY: -32.2%
• Rents YoY: 3.6%
• Active inventory: 478
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $1,879 high
• Mortgage (P&I): −$1,259
• Tax from tax record: −$134 /mo · $1,610/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $-8

Break-even live

Break-even rent $1,890

Max offer price $238,537

Occupancy floor 95%

Sensitivity live

Price	-10% $128	-5% $60	+0% $-8	+5% $-76	+10% $-144
Rent	-10% $-157	-5% $-83	+0% $-8	+5% $66	+10% $140
Rate	-1.0pp $113	-0.5pp $53	base $-8	+0.5pp $-70	+1.0pp $-134

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: $60,000
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2488 Timber Oak St Republic, MO	4.0	2.0	1550	$1,895	$1.22	44d	1	0.53mi
922 N Blake Ave Republic, MO	2.0	2.0	1400	$2,300	$1.64	44d	1	0.55mi
928 N Blake Ave Republic, MO	2.0	2.0	1400	$2,300	$1.64	44d	1	0.56mi
923 N Blake AVE Republic, MO	2.0	2.0	1400	$2,300	$1.64	44d	1	0.57mi
644 N Cox Ave Republic, MO	3.0	2.0	1375	$1,595	$1.16	44d	1	0.58mi
929 N Blake Ave Republic, MO	2.0	2.0	1400	$2,300	$1.64	44d	1	0.58mi
937 N Blake Ave Republic, MO	2.0	2.0	1400	$2,300	$1.64	44d	1	0.59mi
1031 N Blake Ave Republic, MO	2.0	2.0	1400	$2,300	$1.64	44d	1	0.65mi
1090 N Northwood Ave Republic, MO	3.0	2.0	1321	$1,200	$0.91	14d	1	0.71mi
625 Turner Ave Republic, MO	2.0–3.0	2.5	1609	$1,895	$1.18	14d	6	0.74mi
101 S Basswood Ave Republic, MO	3.0	1.0	1060	$1,250	$1.18	44d	1	0.79mi
810 N Oakwood Ave Republic, MO	2.0–3.0	2.0	1239	$924	$0.75	14d	4	0.82mi
1413 N Lyon Ave Republic, MO	3.0	2.0	1571	$1,799	$1.15	44d	1	0.93mi
2983 Heritage St Republic, MO	3.0	2.0	1571	$1,799	$1.15	24d	1	0.94mi
1605 E Hines St Republic, MO	1.0–2.0	1.0–2.0	840	$1,060	$1.26	14d	10	1.01mi
1740 E Hamilton St Republic, MO	1.0–3.0	1.0–2.0	1110	$1,395	$1.26	44d	7	1.13mi
109 N Allen Ave Republic, MO	3.0	1.0	1141	$1,295	$1.13	44d	1	1.30mi

Listing history 6 events

1. 2026-05-05
   status Pending 1269-char remark

   Show marketing remark (1269 chars)

   Welcome home to comfort, simplicity, and a place that just feels right. This charming ranch-style home in Republic, Missouri offers the perfect balance of space, functionality, and affordability--ideal for a first-time buyer, someone ready to move up, or those looking to simplify and downsize. Step inside and you'll immediately notice the inviting open floor plan, where the family room's vaulted ceiling creates an airy, welcoming space perfect for relaxing evenings or gathering with friends and family. The traditional layout offers a timeless feel while still providing the openness today's buyers love. The primary suite is designed to be your own quiet retreat, featuring an elegant tray ceiling and not one, but two walk-in closets, giving you plenty of room for storage and organization. Two additional bedrooms and a second full bath provide flexibility for family, guests, or even a home office. Out back, you'll find a large backyard with endless possibilities--room for kids or pets to play, space for weekend barbecues, or simply a peaceful spot to unwind at the end of the day. Whether you're starting a new chapter, investing in your future, or simply looking for a comfortable place to call home, this well-maintained property is ready to welcome you.

2. 2026-03-27
   listed $240,000 Active 1269-char remark

   Show marketing remark (1269 chars)

   Welcome home to comfort, simplicity, and a place that just feels right. This charming ranch-style home in Republic, Missouri offers the perfect balance of space, functionality, and affordability--ideal for a first-time buyer, someone ready to move up, or those looking to simplify and downsize. Step inside and you'll immediately notice the inviting open floor plan, where the family room's vaulted ceiling creates an airy, welcoming space perfect for relaxing evenings or gathering with friends and family. The traditional layout offers a timeless feel while still providing the openness today's buyers love. The primary suite is designed to be your own quiet retreat, featuring an elegant tray ceiling and not one, but two walk-in closets, giving you plenty of room for storage and organization. Two additional bedrooms and a second full bath provide flexibility for family, guests, or even a home office. Out back, you'll find a large backyard with endless possibilities--room for kids or pets to play, space for weekend barbecues, or simply a peaceful spot to unwind at the end of the day. Whether you're starting a new chapter, investing in your future, or simply looking for a comfortable place to call home, this well-maintained property is ready to welcome you.

3. 2015-07-06
   soldstatus
4. 2015-03-16
   soldstatus
5. 2015-03-11
   soldstatus 191-char remark

   Show marketing remark (191 chars)

   Come home to a charming maintenance free home in Republic! This affordable 3 bedroom 2 bath one level home has beenprice in the Republic MO School district. This home is FHA/VA/USDA eligible!

6. 2015-01-26
   listed $104,900 191-char remark

   Show marketing remark (191 chars)

   Come home to a charming maintenance free home in Republic! This affordable 3 bedroom 2 bath one level home has beenprice in the Republic MO School district. This home is FHA/VA/USDA eligible!

ⓘ 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: $1,610 · $134/mo
• Projected year-2 tax: $2,328 · $194/mo
• Expected delta: +$718/yr (+$60/mo · 44.6%)

ⓘ 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 ≥105°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: $22,549
• − Mortgage interest: −$13,444
• − Property taxes: −$1,610
• − Insurance: −$1,200
• − Repairs & maintenance: −$1,804
• − Management: −$1,804
• − Depreciation: −$6,982
• Taxable loss: −$4,294
• Est. tax savings @ 24.0%: +$1,031
• After-tax cash flow: $931/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: Republic R-III
• NCES district ID: 2926220
• Math proficiency: 56% ▲ 2.00%
• Reading proficiency: 57% ▼ -1.00%
• Median HH income: $51,329
• Composite: 48.3/100
• National rank: #2152
• State rank: #19 of 324 in MO

Livability — Republic

• Score: 72/100
• State rank: #92
• US rank: #6228

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Republic, MO
• County: Greene County · 244,327 people
• City population: 21,283
• Metro: Springfield, MO
• Population (ZIP): 21,283
• Household income: $67,841
• Rent vs Own: 33.8% rent · 66.2% own
• Severe rent burden: 461.0

Population outlook (Greene County) Hauer SSP2

• Today (2025): 319,054 people
• By 2030: 335,135 · +5.0%
• By 2040: 366,186 · +14.8%
• By 2050: 397,431 · +24.6%
• By 2075: 477,035 · +49.5%
• By 2100: 520,828 · +63.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Hispanic / Latino 3% Black 1%
• Common ancestry: Italian 2% Lithuanian 2% Portuguese 2%
• Foreign-born: 1% · Canada, China
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Greene

• 2024 margin: Strong R (+20.8) · D 38.9% · R 59.7% · Other 1.4%
• 2008→2024 swing: -5.0pp toward R · 2008: -15.8pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+20.1 2016: R+27.4 2012: R+24.4 2008: R+15.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -102.93%
• Current HPI: 217.1512
• Rent YoY: ▲ 3.61%
• Metro: Springfield, MO
• 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

+128.8% since first listed

6 events — show timeline

• 2026-05-05 Pending — SOMO
• 2026-03-27 Listed $240,000 SOMO
• 2015-07-06 Sold (Public Records) — Public Records
• 2015-03-16 Sold (Public Records) — Public Records
• 2015-03-11 Sold (MLS) — SOMO
• 2015-01-26 Listed $104,900 SOMO

Property tax history

+3.4%/yr

Latest (2025): $1,610 · +7.9% YoY. Source: county tax records.