1055 Bond St · Moberly, MO 65270

$79,000

2 bd · 1.0 ba · 868 sqft · SingleFamily public records · 3 Days on market

Built 1925 5,980 sqft lot Est $108k · 27% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.9/5.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor Opportunity - Affordable Rental or Starter Investment Property!Investors!! This 3 Bedroom, 1 Bath home offers 868 sq. ft. of living space and is tenant-ready with recent updates already completed. Featuring fresh interior paint, new carpet, and linoleum flooring, this property is ready for your next tenant or investment portfolio addition. Inside you'll find good-sized bedrooms with custom oak cabinetry, a spacious kitchen and dining area, and a functional layout designed for comfortable living. Enjoy both front and rear decks, plus a large backyard with alley access, providing additional convenience and outdoor space. This property is being sold As-Is and is eligible for Cash or Conventional Financing Only.

Key facts

• Alley access
• Custom oak cabinetry
• Front and rear decks

Tags

• CUSTOM OAK CABINETRY
• SPACIOUS KITCHEN
• FRONT AND REAR DECKS
• LARGE BACKYARD
• ALLEY ACCESS

Property features AI

Exterior

• Utilities: Public water; Public sewer; Natural gas available
• Home design: Single-family residence; Residential property
• Construction: Frame construction
• Exterior features: Asphalt roof

Interior

• Kitchen: Dishwasher; Electric oven; Electric range; Refrigerator
• Bathrooms: 1 full bathroom
• Heating & cooling: Central air conditioning
• Interior features: Dishwasher; Electric oven; Electric range; Refrigerator; Gas water heater; Central air conditioning; Partial basement
• Laundry & utility: Gas water heater

🏷️ Possibly a rental listed for sale. The $79,000 price doesn't fit this home's estimated sale value (~$107,632) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $79k.

Deal economics

• At list price, monthly cash flow is $477 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $79k).
• Cap rate 13.5% vs local median 4.5% in Moberly — 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 77/100 on livability (#32 in MO, #3,045 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D, schools D-, amenities F.
• Moberly (town): math 30% / reading 36% proficiency, ranked #246 of 324 in MO (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 136 active listings in the ZIP; 25 units permitted in Randolph County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $546 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Randolph County population projected at -10% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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: built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $79,000

Questions for the listing agent

1. Built in 1925 — 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. 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: 1.51% ✓
• Cap rate: 13.54%
• Cash-on-cash: 25.89%
• DSCR: 2.15
• GRM: 5.5

CMA / ARV

• ARV (on-the-fly): $107,632
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1412 Buchanan St	0.34mi	2/1.0	864 (-0%)	2mo	$92,500	$107	82
1123 Concannon St	0.07mi	3/1.0 (+1)	968 (+12%)	1mo	$148,000	$153	72
1029 Concannon St	0.09mi	3/2.0 (+1)	960 (+11%)	2mo	$165,000	$172	68
1007 Myra St	0.18mi	2/1.0	950 (+9%)	11mo	$145,000	$153	67
883 W Coates St	0.22mi	2/1.0	836 (-4%)	21mo	$42,500	$51	66
1100 Quinn St	0.30mi	2/1.0	928 (+7%)	13mo	$45,000	$48	64
126 Bedford St	0.47mi	2/1.0	924 (+6%)	11mo	$115,000	$124	58
1324 Henry St	0.25mi	3/1.0 (+1)	924 (+6%)	21mo	$49,000	$53	55
1204 Fisk Ave	0.57mi	2/1.0	954 (+10%)	8mo	$159,900	$168	50
119 Hinkley St	0.45mi	3/1.0 (+1)	810 (-7%)	17mo	$69,500	$86	49
1224 Woody Ave	0.66mi	2/1.0	783 (-10%)	11mo	$122,900	$157	44
319 S 6th St	0.73mi	2/1.0	966 (+11%)	8mo	$89,900	$93	41

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.5%
• Equity multiple: 1.79×
• Total profit: $17,568
• Equity at exit: $11,779

10-year hold

• IRR: 27.8%
• Equity multiple: 3.46×
• Total profit: $54,318
• Equity at exit: $6,830

Cash invested: $22,120 (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 65270

• Home prices YoY: -30.6%
• Active inventory: 136
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,195 medium
• Mortgage (P&I): −$414
• Tax from tax record: −$20 /mo · $239/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$251
• Net cashflow: $477

Break-even live

Break-even rent $591

Max offer price $79,000

Occupancy floor 55%

Sensitivity live

Price	-10% $522	-5% $500	+0% $477	+5% $455	+10% $433
Rent	-10% $383	-5% $430	+0% $477	+5% $525	+10% $572
Rate	-1.0pp $517	-0.5pp $497	base $477	+0.5pp $457	+1.0pp $436

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: $19,750
• Closing costs: $2,370
• Reserves months: —
• Total cash needed: —

Listing history 8 events

1. 2026-06-21
   days on market $79,000 Active 3 DOM
2. 2026-06-17
   remarks 699-char remark
3. 2026-06-17
   days on marketlisting id $79,000 Active 1 DOM
4. 2026-06-16
   days on market $79,000 Active 6 DOM
5. 2026-06-15
   days on market $79,000 Active 5 DOM
6. 2026-06-13
   days on market $79,000 Active 3 DOM
7. 2026-06-12
   remarks 693-char remark
8. 2026-06-12
   listed $79,000 Active 2 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: $239 · $20/mo
• Projected year-2 tax: $766 · $64/mo
• Expected delta: +$527/yr (+$44/mo · 220.4%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥106°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,346
• − Mortgage interest: −$4,425
• − Property taxes: −$239
• − Insurance: −$395
• − Repairs & maintenance: −$1,148
• − Management: −$1,148
• − Depreciation: −$2,298
• Taxable income: $4,693
• Est. tax owed @ 24.0%: −$1,126
• After-tax cash flow: $4,601/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: Moberly
• NCES district ID: 2921100
• Math proficiency: 30% ▼ -1.00%
• Reading proficiency: 36% ▼ -3.00%
• Median HH income: $36,160
• Composite: 27.35/100
• National rank: #6984
• State rank: #246 of 324 in MO

Livability — Moberly

• Score: 77/100
• State rank: #32
• US rank: #3045

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moberly, MO
• Population (ZIP): 16,762

Population outlook (Randolph County) Hauer SSP2

• Today (2025): 24,596 people
• By 2030: 24,213 · -1.6%
• By 2040: 23,184 · -5.7%
• By 2050: 22,081 · -10.2%
• By 2075: 18,994 · -22.8%
• By 2100: 15,070 · -38.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 7% Two or more races 6% Hispanic / Latino 3%
• Common ancestry: Italian 2% Lithuanian 2% Iranian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Randolph

• 2024 margin: Solid R (+52.2) · D 23.3% · R 75.5% · Other 1.2%
• 2008→2024 swing: -28.9pp toward R · 2008: -23.3pp · 2024: -52.2pp
• All cycles: 2024: R+52.2 2020: R+51.5 2016: R+50.9 2012: R+36.6 2008: R+23.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.15%
• Current HPI: 199.9743
• 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

+0.0% since first listed

3 events — show timeline

• 2026-06-10 Listed $79,000 RCBR
• 2026-06-10 Listed $79,000 NECAR
• 1997-06-11 Sold (Public Records) — Public Records

Property tax history

+7.2%/yr

Latest (2025): $239 · +10.6% YoY. Source: county tax records.