708 E State Route 72 · Rolla, MO 65401

$132,500

2 bd · 1.0 ba · 952 sqft · SingleFamily public records · 170 Days on market

Built 1941 7,884 sqft lot $139/sqft · 5% below area Est $140k · 5% 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).

• Cash flow +12.5/30.0
• ARV discount +9.9/15.0
• Rent growth +5.0/5.0
• DSCR +3.7/10.0
• Livability +3.7/5.0
• Schools +3.6/10.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

Key facts

• 7,884 sq ft lot
• Built 1941
• Listed 169 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $132k.

Deal economics

• At list price, monthly cash flow is $-19 ($-226/yr) — negative.
• To cash-flow at today's rent, offer at most $129k (2.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $98k (25.7% below list).
• Recommended offer: $98k (25.7% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.5% in Rolla — 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 73/100 on livability (#76 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A-; Watch: crime D, commute F, employment D-.
• Rolla 31 (town): math 38% / reading 48% proficiency, ranked #118 of 324 in MO (top 36%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Mark Twain Elem. (math 57% / reading 57%, grade C+, #159 of 1,115 statewide, top 16%, 470 students, 45% FRL); Rolla Middle (math 37% / reading 46%, grade F, #163 of 391 statewide, top 44%, 837 students, 40% FRL); Rolla Sr. High (math 25% / reading 61%, grade F, #211 of 521 statewide, top 41%, 1,323 students, 34% FRL) — zoned schools at 40% FRL track the district average.
• Market conditions: Rents rising fast (+10.2%/yr); 270 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 162 units permitted in Phelps County in 2024 (83 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $916 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Phelps County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 170 days — a 12% lower offer ($117k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $17k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate wildfire 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 $98,472 (25.7% 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 170 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 1941 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. Crime grade is D 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?
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. 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.
10. 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.
11. 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: 6.12%
• Cash-on-cash: -0.61%
• DSCR: 0.97
• GRM: 11.2

CMA / ARV

• ARV (median comp): $140,001
• List price: $132,500
• Delta: -5.36%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5 Rolla Gardens Dr	0.19mi	2/1.0	910 (-4%)	3mo	$149,900	$165	82
27 Green Acres Dr	0.11mi	2/1.0	918 (-4%)	11mo	$125,000	$136	80
37 Rolla Gardens Dr	0.03mi	2/1.0	910 (-4%)	14mo	$140,000	$154	79
28 Green Acres Dr	0.12mi	2/2.0	918 (-4%)	10mo	$157,000	$171	77
100 S Oak St	0.41mi	2/1.0	945 (-1%)	5mo	$125,000	$132	75
710 E 6th St	0.43mi	2/1.0	900 (-6%)	10mo	$127,000	$141	62
8 Frost Dr	0.18mi	3/1.0 (+1)	1,092 (+15%)	5mo	$179,900	$165	58
808 E 7th St	0.49mi	2/1.0	1,008 (+6%)	13mo	$122,000	$121	57
105 S Rolla St	0.53mi	2/1.0	1,034 (+9%)	10mo	$125,000	$121	53
508 S Rolla St	0.50mi	2/2.0	1,025 (+8%)	10mo	$144,900	$141	51
618 Houston Rd	0.59mi	3/1.0 (+1)	1,000 (+5%)	10mo	$147,500	$148	51
33 Southbrook Dr	0.57mi	3/1.0 (+1)	864 (-9%)	9mo	$148,500	$172	46

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -12.6%
• Equity multiple: 0.53×
• Total profit: $-17,527
• Equity at exit: $19,756

10-year hold

• IRR: 2.1%
• Equity multiple: 1.18×
• Total profit: $6,639
• Equity at exit: $11,456

Cash invested: $37,100 (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 65401

• Home prices YoY: -26.4%
• Rents YoY: 10.2%
• Active inventory: 270
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $985 medium
• Mortgage (P&I): −$695
• Tax from tax record: −$47 /mo · $561/yr
• Insurance: −$55
• HOA: −$0
• Vacancy / Maint / Mgmt: −$207
• Net cashflow: $-19

Break-even live

Break-even rent $1,009

Max offer price $129,166

Occupancy floor 97%

Sensitivity live

Price	-10% $56	-5% $19	+0% $-19	+5% $-56	+10% $-94
Rent	-10% $-97	-5% $-58	+0% $-19	+5% $20	+10% $59
Rate	-1.0pp $48	-0.5pp $15	base $-19	+0.5pp $-53	+1.0pp $-88

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: $33,125
• Closing costs: $3,975
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
701 N State St Unit B Rolla, MO	3.0	2.0	1100	$850	$0.77	45d	1	0.86mi

Listing history 27 events

1. 2026-06-21
   days on market $132,500 Active 170 DOM
2. 2026-06-19
   days on market $132,500 Active 168 DOM
3. 2026-06-18
   days on market $132,500 Active 167 DOM
4. 2026-06-17
   days on market $132,500 Active 166 DOM
5. 2026-06-16
   days on market $132,500 Active 165 DOM
6. 2026-06-15
   days on market $132,500 Active 164 DOM
7. 2026-06-14
   days on market $132,500 Active 162 DOM
8. 2026-06-12
   days on market $132,500 Active 161 DOM
9. 2026-06-09
   days on market $132,500 Active 158 DOM
10. 2026-06-08
    days on market $132,500 Active 157 DOM
11. 2026-06-07
    days on market $132,500 Active 156 DOM
12. 2026-06-02
    days on market $132,500 Active 151 DOM
13. 2026-06-01
    days on market $132,500 Active 150 DOM
14. 2026-05-31
    days on market $132,500 Active 149 DOM
15. 2026-05-30
    days on market $132,500 Active 148 DOM
16. 2026-05-09
    historical Active Under Contract 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

17. 2026-04-17
    price $132,500 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

18. 2026-03-04
    status Active 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

19. 2026-02-18
    historical Active Under Contract 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

20. 2026-02-03
    price $139,900 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

21. 2026-01-03
    status Active 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

22. 2025-12-31
    listed $149,900 Active 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

23. 2025-12-22
    historical $149,900 602-char remark

    Show marketing remark (602 chars)

    Check out this CUTE little Bungalow that has so many UPDATES! The original wood flooring has been BEAUTIFULLY refinished throughout the whole house. There is NEW siding, all NEW windows, NEW paint, lighting & trim work. The old CHARM has been carefully preserved with the refinished doors & details. 2 Beds/1 Bath, cutest retro kitchen & big Living room & Dining room. The house has a complete unfinished basement. Roof & HVAC are both newer & in good condition. The Fenced in back yard is a perfect size for family activities or pets. This place is Totally Move-In Ready!

24. 2025-07-07
    soldstatus Closed 479-char remark

    Show marketing remark (479 chars)

    This could be a cute bungalow home! Wood floors, neat original trim and doors, full unfinished basement with garage door that leads out to the back yard. Living room, dining room, kitchen with side door to side porch and pantry, 2 bedrooms and 1 full bath. This home needs some TLC but a lot could be done with just cleaning up the wood floors and painting! Laundry is in the basement. New roof and newer natural gas furnace. Seller is selling as-is and will do no repairs.

25. 2025-07-01
    status Pending 479-char remark

    Show marketing remark (479 chars)

    This could be a cute bungalow home! Wood floors, neat original trim and doors, full unfinished basement with garage door that leads out to the back yard. Living room, dining room, kitchen with side door to side porch and pantry, 2 bedrooms and 1 full bath. This home needs some TLC but a lot could be done with just cleaning up the wood floors and painting! Laundry is in the basement. New roof and newer natural gas furnace. Seller is selling as-is and will do no repairs.

26. 2025-06-08
    historical Active Under Contract 479-char remark

    Show marketing remark (479 chars)

    This could be a cute bungalow home! Wood floors, neat original trim and doors, full unfinished basement with garage door that leads out to the back yard. Living room, dining room, kitchen with side door to side porch and pantry, 2 bedrooms and 1 full bath. This home needs some TLC but a lot could be done with just cleaning up the wood floors and painting! Laundry is in the basement. New roof and newer natural gas furnace. Seller is selling as-is and will do no repairs.

27. 2025-05-29
    listed $79,000 Active 479-char remark

    Show marketing remark (479 chars)

    This could be a cute bungalow home! Wood floors, neat original trim and doors, full unfinished basement with garage door that leads out to the back yard. Living room, dining room, kitchen with side door to side porch and pantry, 2 bedrooms and 1 full bath. This home needs some TLC but a lot could be done with just cleaning up the wood floors and painting! Laundry is in the basement. New roof and newer natural gas furnace. Seller is selling as-is and will do no repairs.

ⓘ 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: $561 · $47/mo
• Projected year-2 tax: $1,285 · $107/mo
• Expected delta: +$724/yr (+$60/mo · 129.1%)

ⓘ 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 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,817
• − Mortgage interest: −$7,422
• − Property taxes: −$561
• − Insurance: −$662
• − Repairs & maintenance: −$945
• − Management: −$945
• − Depreciation: −$3,855
• Taxable loss: −$2,574
• Est. tax savings @ 24.0%: +$618
• After-tax cash flow: $391/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: Rolla 31
• NCES district ID: 2926890
• Math proficiency: 38% ▼ -9.00%
• Reading proficiency: 48% ▼ -7.00%
• Median HH income: $40,057
• Composite: 36.0/100
• National rank: #4786
• State rank: #118 of 324 in MO

Livability — Rolla

• Score: 73/100
• State rank: #76
• US rank: #5115

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rolla, MO
• County: Phelps County · 42,017 people
• City population: 32,714
• Metro: Rolla, MO
• Population (ZIP): 32,714
• Household income: $56,081
• Rent vs Own: 44.5% rent · 55.5% own
• Severe rent burden: 1122.0

Population outlook (Phelps County) Hauer SSP2

• Today (2025): 44,188 people
• By 2030: 43,524 · -1.5%
• By 2040: 41,211 · -6.7%
• By 2050: 38,977 · -11.8%
• By 2075: 33,846 · -23.4%
• By 2100: 27,828 · -37.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Two or more races 6% Asian 4% Hispanic / Latino 3% Black 3%
• Common ancestry: Lithuanian 4% Italian 2% Slovak 2%
• Foreign-born: 6% · China, Canada
• Languages at home: 93% English-only · Chinese 2% Spanish 1% Other Indo-European 1%

Political lean MEDSL · Phelps

• 2024 margin: Solid R (+42.9) · D 27.9% · R 70.8% · Other 1.3%
• 2008→2024 swing: -20.7pp toward R · 2008: -22.2pp · 2024: -42.9pp
• All cycles: 2024: R+42.9 2020: R+40.1 2016: R+42.9 2012: R+33.5 2008: R+22.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.69%
• Current HPI: 172.421
• Rent YoY: ▲ 10.25%
• Metro: Rolla, 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

+67.7% since first listed

12 events — show timeline

• 2026-05-09 Contingent — MARIS as Distributed by MLS Grid
• 2026-04-17 Price Changed $132,500 MARIS as Distributed by MLS Grid
• 2026-03-04 Relisted — MARIS as Distributed by MLS Grid
• 2026-02-18 Contingent — MARIS as Distributed by MLS Grid
• 2026-02-03 Price Changed $139,900 MARIS as Distributed by MLS Grid
• 2026-01-03 Relisted — MARIS as Distributed by MLS Grid
• 2025-12-31 Listed $149,900 MARIS as Distributed by MLS Grid
• 2025-12-22 Coming Soon $149,900 MARIS as Distributed by MLS Grid
• 2025-07-07 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2025-07-01 Pending — MARIS as Distributed by MLS Grid
• 2025-06-08 Contingent — MARIS as Distributed by MLS Grid
• 2025-05-29 Listed $79,000 MARIS as Distributed by MLS Grid

Property tax history

+3.7%/yr

Latest (2025): $561 · +11.3% YoY. Source: county tax records.