624 N Clark St · Everton, MO 65646

$140,000

3 bd · 1.0 ba · 1,475 sqft · SingleFamily · 163 Days on market

Built 1890 Fair condition 0.99 ac lot $95/sqft · 19% below area Est $172k · 19% under ↓ 7% since listing

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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).

• ARV discount +15.0/15.0
• Cash flow +12.9/30.0
• Appreciation +7.0/10.0
• DSCR +3.9/10.0
• 1% rule +3.7/10.0
• Schools +2.8/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0

Listing remarks MLS

Welcome to 624 N Clark in Everton, MO, a peaceful and easy to maintain home situated on nearly an acre of land. A large covered front porch invites you inside, offering the perfect spot to relax and take in beautiful sunset views. The interior opens to a super spacious living room that flows seamlessly into the dining area, creating a comfortable and functional layout. The kitchen features classic white cabinets with a nearby laundry room for added convenience. The main floor primary bedroom is located just off the living room, along with a full bathroom that includes a shower and tub combo. Upstairs, you will find two additional bedrooms that provide flexibility for family, guests, or hobbies. Outside, the large yard offers plenty of room to enjoy the outdoors, complete with a fenced backyard, a storage shed with a downstairs cellar, and a detached two car garage with extra covered storage. This quiet property offers a country feel while remaining close to the main highway, local school, and just a short distance to Stockton Lake, making it an ideal choice for those seeking simplicity, space, and serenity. The stove, refrigerator, and water heater are all 1 year old!

Key facts

• Covered front porch
• Nearby laundry room
• Storage shed

Tags

• COVERED FRONT PORCH
• FENCED BACKYARD
• STORAGE SHED
• DETACHED TWO CAR GARAGE
• NEARBY LAUNDRY ROOM

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $-10 ($-120/yr) — negative.
• To cash-flow at today's rent, offer at most $139k (1.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $121k (13.4% below list).
• Recommended offer: $121k (13.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 54/100 on livability (#804 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools F, crime F, amenities F.
• Everton R-III (rural): math 20% / reading 40% proficiency, ranked #459 of 535 in MO (top 86%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 26 active listings in the ZIP.

Forward outlook

• In year one you build about $7k of equity ($968 loan paydown + $6k appreciation (4.0% local appreciation)).
• Dade County population projected at -24% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.0% appreciation + 3.0% rent growth), your $39k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 163 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $121,207 (13.4% 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 163 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
3. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
4. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 F-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. Crime grade is F 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?
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: 0.87% ✗
• Cap rate: 6.21%
• Cash-on-cash: -0.31%
• DSCR: 0.99
• GRM: 9.6

CMA / ARV

• ARV (median comp): $171,869
• List price: $140,000
• Delta: -18.54%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
202 E School St	0.23mi	3/2.0	1,364 (-8%)	8mo	$220,000	$161	66
304 S Clark St	0.50mi	3/1.5	1,476 (+0%)	16mo	$135,000	$91	61
133 N Church St	0.40mi	2/1.0 (-1)	1,300 (-12%)	22mo	$48,000	$37	38

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.04% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 10.1%
• Equity multiple: 1.62×
• Total profit: $24,136
• Equity at exit: $71,341

10-year hold

• IRR: 11.9%
• Equity multiple: 2.98×
• Total profit: $77,540
• Equity at exit: $116,972

Cash invested: $39,200 (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 65646

• Home prices YoY: 1.7%
• Active inventory: 26
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,212 medium
• Mortgage (P&I): −$734
• Tax est. 1.5%: −$175 /mo · $2,100/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$255
• Net cashflow: $-10

Break-even live

Break-even rent $1,225

Max offer price $138,557

Occupancy floor 96%

Sensitivity live

Price	-10% $87	-5% $38	+0% $-10	+5% $-58	+10% $-107
Rent	-10% $-106	-5% $-58	+0% $-10	+5% $38	+10% $86
Rate	-1.0pp $61	-0.5pp $26	base $-10	+0.5pp $-46	+1.0pp $-83

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $140,000 Active 163 DOM
2. 2026-06-18
   days on market $140,000 Active 161 DOM
3. 2026-06-17
   days on market $140,000 Active 160 DOM
4. 2026-06-16
   days on market $140,000 Active 159 DOM
5. 2026-06-15
   days on market $140,000 Active 158 DOM
6. 2026-06-13
   days on market $140,000 Active 156 DOM
7. 2026-06-12
   days on market $140,000 Active 155 DOM
8. 2026-06-09
   days on market $140,000 Active 152 DOM
9. 2026-06-08
   days on market $140,000 Active 151 DOM
10. 2026-06-07
    days on market $140,000 Active 150 DOM
11. 2026-06-05
    days on market $140,000 Active 148 DOM
12. 2026-06-04
    days on market $140,000 Active 146 DOM
13. 2026-06-02
    days on market $140,000 Active 145 DOM
14. 2026-06-01
    days on market $140,000 Active 144 DOM
15. 2026-05-31
    days on market $140,000 Active 143 DOM
16. 2026-04-13
    price $140,000 1186-char remark

    Show marketing remark (1186 chars)

    Welcome to 624 N Clark in Everton, MO, a peaceful and easy to maintain home situated on nearly an acre of land. A large covered front porch invites you inside, offering the perfect spot to relax and take in beautiful sunset views. The interior opens to a super spacious living room that flows seamlessly into the dining area, creating a comfortable and functional layout. The kitchen features classic white cabinets with a nearby laundry room for added convenience. The main floor primary bedroom is located just off the living room, along with a full bathroom that includes a shower and tub combo. Upstairs, you will find two additional bedrooms that provide flexibility for family, guests, or hobbies. Outside, the large yard offers plenty of room to enjoy the outdoors, complete with a fenced backyard, a storage shed with a downstairs cellar, and a detached two car garage with extra covered storage. This quiet property offers a country feel while remaining close to the main highway, local school, and just a short distance to Stockton Lake, making it an ideal choice for those seeking simplicity, space, and serenity. The stove, refrigerator, and water heater are all 1 year old!

17. 2026-03-05
    price $145,000 1186-char remark

    Show marketing remark (1186 chars)

    Welcome to 624 N Clark in Everton, MO, a peaceful and easy to maintain home situated on nearly an acre of land. A large covered front porch invites you inside, offering the perfect spot to relax and take in beautiful sunset views. The interior opens to a super spacious living room that flows seamlessly into the dining area, creating a comfortable and functional layout. The kitchen features classic white cabinets with a nearby laundry room for added convenience. The main floor primary bedroom is located just off the living room, along with a full bathroom that includes a shower and tub combo. Upstairs, you will find two additional bedrooms that provide flexibility for family, guests, or hobbies. Outside, the large yard offers plenty of room to enjoy the outdoors, complete with a fenced backyard, a storage shed with a downstairs cellar, and a detached two car garage with extra covered storage. This quiet property offers a country feel while remaining close to the main highway, local school, and just a short distance to Stockton Lake, making it an ideal choice for those seeking simplicity, space, and serenity. The stove, refrigerator, and water heater are all 1 year old!

18. 2026-02-16
    status Active 1186-char remark

    Show marketing remark (1186 chars)

    Welcome to 624 N Clark in Everton, MO, a peaceful and easy to maintain home situated on nearly an acre of land. A large covered front porch invites you inside, offering the perfect spot to relax and take in beautiful sunset views. The interior opens to a super spacious living room that flows seamlessly into the dining area, creating a comfortable and functional layout. The kitchen features classic white cabinets with a nearby laundry room for added convenience. The main floor primary bedroom is located just off the living room, along with a full bathroom that includes a shower and tub combo. Upstairs, you will find two additional bedrooms that provide flexibility for family, guests, or hobbies. Outside, the large yard offers plenty of room to enjoy the outdoors, complete with a fenced backyard, a storage shed with a downstairs cellar, and a detached two car garage with extra covered storage. This quiet property offers a country feel while remaining close to the main highway, local school, and just a short distance to Stockton Lake, making it an ideal choice for those seeking simplicity, space, and serenity. The stove, refrigerator, and water heater are all 1 year old!

19. 2026-02-06
    status Pending 1186-char remark

    Show marketing remark (1186 chars)

    Welcome to 624 N Clark in Everton, MO, a peaceful and easy to maintain home situated on nearly an acre of land. A large covered front porch invites you inside, offering the perfect spot to relax and take in beautiful sunset views. The interior opens to a super spacious living room that flows seamlessly into the dining area, creating a comfortable and functional layout. The kitchen features classic white cabinets with a nearby laundry room for added convenience. The main floor primary bedroom is located just off the living room, along with a full bathroom that includes a shower and tub combo. Upstairs, you will find two additional bedrooms that provide flexibility for family, guests, or hobbies. Outside, the large yard offers plenty of room to enjoy the outdoors, complete with a fenced backyard, a storage shed with a downstairs cellar, and a detached two car garage with extra covered storage. This quiet property offers a country feel while remaining close to the main highway, local school, and just a short distance to Stockton Lake, making it an ideal choice for those seeking simplicity, space, and serenity. The stove, refrigerator, and water heater are all 1 year old!

20. 2025-12-29
    listed $150,000 Active 1186-char remark

    Show marketing remark (1186 chars)

    Welcome to 624 N Clark in Everton, MO, a peaceful and easy to maintain home situated on nearly an acre of land. A large covered front porch invites you inside, offering the perfect spot to relax and take in beautiful sunset views. The interior opens to a super spacious living room that flows seamlessly into the dining area, creating a comfortable and functional layout. The kitchen features classic white cabinets with a nearby laundry room for added convenience. The main floor primary bedroom is located just off the living room, along with a full bathroom that includes a shower and tub combo. Upstairs, you will find two additional bedrooms that provide flexibility for family, guests, or hobbies. Outside, the large yard offers plenty of room to enjoy the outdoors, complete with a fenced backyard, a storage shed with a downstairs cellar, and a detached two car garage with extra covered storage. This quiet property offers a country feel while remaining close to the main highway, local school, and just a short distance to Stockton Lake, making it an ideal choice for those seeking simplicity, space, and serenity. The stove, refrigerator, and water heater are all 1 year old!

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 2% 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: $14,545
• − Mortgage interest: −$7,842
• − Property taxes: −$2,100
• − Insurance: −$700
• − Repairs & maintenance: −$1,164
• − Management: −$1,164
• − Depreciation: −$4,073
• Taxable loss: −$2,497
• Est. tax savings @ 24.0%: +$599
• After-tax cash flow: $480/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.

Condition & rehab AI · 12 photos

Fair 45/100 Moderate rehab

This single-family home in Everton, MO, requires moderate renovations to improve its condition and increase its value. The property is situated on nearly an acre of land, offering ample space for updates and landscaping.

Repairs flagged

• Minor roof — no visible damage
• Minor exterior siding — gray siding
• Minor interior walls — some peeling
• Minor windows — single-pane windows
• Minor landscaping — overgrown lawn

Value-add opportunities

• Resale paint interior walls — enhances curb appeal
• Resale replace windows — improves energy efficiency
• Both landscaping — enhances curb appeal and property value

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · no visible damage	Minor	$500–3,000
exterior siding · gray siding	Minor	$500–3,000
interior walls · some peeling	Minor	$500–3,000
windows · single-pane windows	Minor	$500–3,000
landscaping · overgrown lawn	Minor	$500–3,000
Total estimated repair cost · 5 items		$2,500–15,000

Value-add ROI direction

• Resale paint interior walls — enhances curb appeal ↑
• Resale replace windows — improves energy efficiency ↑
• Both landscaping — enhances curb appeal and property value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Everton R-III
• NCES district ID: 2911580
• Math proficiency: 20% ▼ -5.00%
• Reading proficiency: 40% ▬ 0.00%
• Median HH income: $40,988
• Composite: 28.14/100
• National rank: #12203
• State rank: #459 of 535 in MO

Livability — Everton

• Score: 54/100
• State rank: #804
• US rank: #24183

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 1,812

Population outlook (Dade County) Hauer SSP2

• Today (2025): 7,043 people
• By 2030: 6,687 · -5.1%
• By 2040: 5,989 · -15.0%
• By 2050: 5,324 · -24.4%
• By 2075: 4,122 · -41.5%
• By 2100: 3,168 · -55.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Hispanic / Latino 2% Native American 1%
• Common ancestry: Lithuanian 9% Italian 5% Serbian 1%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · German/W. Germanic 1% Spanish 1%

Political lean MEDSL · Dade

• 2024 margin: Solid R (+67.1) · D 16.0% · R 83.2%
• 2008→2024 swing: -26.3pp toward R · 2008: -40.9pp · 2024: -67.1pp
• All cycles: 2024: R+67.1 2020: R+67.0 2016: R+64.5 2012: R+50.2 2008: R+40.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.04%
• Current HPI: 245.0109
• 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

-6.7% since first listed

5 events — show timeline

• 2026-04-13 Price Changed $140,000 SOMO
• 2026-03-05 Price Changed $145,000 SOMO
• 2026-02-16 Relisted — SOMO
• 2026-02-06 Pending — SOMO
• 2025-12-29 Listed $150,000 SOMO