439 E Elvins Blvd · Park Hills, MO 63601

$49,900

3 bd · 2.0 ba · 1,215 sqft · Manufactured public records · 20 Days on market

Built 1994 0.34 ac lot

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +3.4/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +1.3/10.0

Listing remarks MLS

Don't miss out on this awesome 3 bedroom, 2 bath home on a large double lot. Priced to sell FAST! Large kitchen with lots of counter space and all appliances stay. Master suite has a large soaking tub and lots of counter space. Call to set up showing.

Key facts

• Outdoor recreation
• Near city park
• Spacious double lot

Tags

• SPACIOUS DOUBLE LOT
• LARGE KITCHEN
• ABUNDANT COUNTER SPACE
• CONVENIENTLY LOCATED
• NEAR CITY PARK
• OUTDOOR RECREATION

Property features AI

Finance

• Financial info: Private ownership; Lease not considered

Exterior

• Utilities: Public water; Public sewer; Electricity connected (single phase)
• Home design: Manufactured home; One level
• Construction: Frame and other construction materials; Metal roof
• Exterior features: Asphalt road access; Lot approximately 0.344 acre (100 x 150)

Interior

• Kitchen: Kitchen on the main level
• Bedrooms: Three bedrooms on the main level
• Bathrooms: Two full bathrooms on the main level
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Crawl space basement; Seven total rooms

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $50k.

Deal economics

• At list price, monthly cash flow is $141 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $49k (1.5% below list) — sets the bar for market timing.
• Cap rate 19.9% vs local median 5.7% in Park Hills — 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 58/100 on livability (#585 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime B; Watch: amenities F, commute F, employment F.
• Central R-III (town): math 36% / reading 45% proficiency, ranked #150 of 324 in MO (top 46%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: West Elem. (math 28% / reading 43%, grade F, #667 of 1,115 statewide, top 60%, 438 students, 54% FRL); Central High (math 52% / reading 62%, grade C, #51 of 521 statewide, top 11%, 629 students, 52% FRL) — zoned schools at 53% FRL track the district average.
• Market conditions: 73 active listings in the ZIP; 134 units permitted in St. Francois County in 2024 (32 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $345 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($49k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 9y 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

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $49,151 (1.5% below list)

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 2.26% ✓
• Cap rate: 19.93%
• Cash-on-cash: 48.70%
• DSCR: 3.17
• GRM: 3.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 2.1%
• Equity multiple: 1.08×
• Total profit: $1,131
• Equity at exit: $7,440

10-year hold

• IRR: 12.1%
• Equity multiple: 1.97×
• Total profit: $13,596
• Equity at exit: $4,314

Cash invested: $13,972 (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 63601

• Home prices YoY: -2.6%
• Active inventory: 73
• Price-to-rent: 3.7×

Monthly cashflow live

• Estimated rent: $1,130 medium
• Mortgage (P&I): −$262
• Tax from tax record: −$43 /mo · $520/yr
• Insurance: −$21
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$237
• Net cashflow: $141

Break-even live

Break-even rent $952

Max offer price $49,900

Occupancy floor 83%

Sensitivity live

Price	-10% $169	-5% $155	+0% $141	+5% $126	+10% $112
Rent	-10% $51	-5% $96	+0% $141	+5% $185	+10% $230
Rate	-1.0pp $166	-0.5pp $153	base $141	+0.5pp $128	+1.0pp $114

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-18
   days on market $49,900 Active 20 DOM
2. 2026-06-17
   days on market $49,900 Active 19 DOM
3. 2026-06-16
   days on market $49,900 Active 18 DOM
4. 2026-06-15
   days on market $49,900 Active 17 DOM
5. 2026-06-13
   days on market $49,900 Active 15 DOM
6. 2026-06-12
   days on market $49,900 Active 14 DOM
7. 2026-06-09
   days on market $49,900 Active 11 DOM
8. 2026-06-08
   days on market $49,900 Active 10 DOM
9. 2026-06-07
   days on market $49,900 Active 9 DOM
10. 2026-06-05
    days on market $49,900 Active 7 DOM
11. 2026-06-04
    days on market $49,900 Active 5 DOM
12. 2026-06-02
    days on market $49,900 Active 4 DOM
13. 2026-06-01
    days on market $49,900 Active 3 DOM
14. 2026-05-31
    days on market $49,900 Active 2 DOM
15. 2026-05-29
    listed $49,900 Active
16. 2017-06-02
    soldstatus Closed 255-char remark

    Show marketing remark (255 chars)

    Don't miss out on this awesome 3 bedroom, 2 bath home on a large double lot. Priced to sell FAST! Large kitchen with lots of counter space and all appliances stay. Master suite has a large soaking tub and lots of counter space. Call to set up showing.

17. 2017-05-12
    status Pending 255-char remark

    Show marketing remark (255 chars)

    Don't miss out on this awesome 3 bedroom, 2 bath home on a large double lot. Priced to sell FAST! Large kitchen with lots of counter space and all appliances stay. Master suite has a large soaking tub and lots of counter space. Call to set up showing.

18. 2017-04-28
    listed $30,000 Active 255-char remark

    Show marketing remark (255 chars)

    Don't miss out on this awesome 3 bedroom, 2 bath home on a large double lot. Priced to sell FAST! Large kitchen with lots of counter space and all appliances stay. Master suite has a large soaking tub and lots of counter space. Call to set up showing.

19. 2016-12-12
    price $39,900

ⓘ 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: $520 · $43/mo
• Projected year-2 tax: $520 · $43/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 8/10 Severe FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥104°F today · 21 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: $13,562
• − Mortgage interest: −$2,795
• − Property taxes: −$520
• − Insurance: −$5,368
• − Repairs & maintenance: −$1,085
• − Management: −$1,085
• − Depreciation: −$1,452
• Taxable income: $1,258
• Est. tax owed @ 24.0%: −$302
• After-tax cash flow: $1,384/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: Central R-III
• NCES district ID: 2929170
• Math proficiency: 36% ▼ -6.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $36,745
• Composite: 33.61/100
• National rank: #5410
• State rank: #150 of 324 in MO

Livability — Park Hills

• Score: 58/100
• State rank: #585
• US rank: #20779

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Park Hills, MO
• Population (ZIP): 16,434

Population outlook (St. Francois County) Hauer SSP2

• Today (2025): 68,683 people
• By 2030: 69,574 · +1.3%
• By 2040: 70,665 · +2.9%
• By 2050: 70,708 · +2.9%
• By 2075: 67,917 · -1.1%
• By 2100: 56,563 · -17.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Lithuanian 2% Italian 2% Romanian 2%
• Foreign-born: 0%

Political lean MEDSL · St. Francois

• 2024 margin: Solid R (+51.4) · D 23.8% · R 75.2%
• 2008→2024 swing: -46.8pp toward R · 2008: -4.6pp · 2024: -51.4pp
• All cycles: 2024: R+51.4 2020: R+48.1 2016: R+45.4 2012: R+19.5 2008: R+4.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -7.30%
• Current HPI: 278.5365
• 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

+25.1% since first listed

5 events — show timeline

• 2026-05-29 Listed $49,900 MARIS as Distributed by MLS Grid
• 2017-06-02 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2017-05-12 Pending — MARIS as Distributed by MLS Grid
• 2017-04-28 Listed $30,000 MARIS as Distributed by MLS Grid
• 2016-12-12 Price Changed $39,900 MARIS as Distributed by MLS Grid

Property tax history

+3.1%/yr

Latest (2025): $520 · +6.7% YoY. Source: county tax records.