327 E 7th St · Maryville, MO 64468

$125,000

3 bd · 2.0 ba · 1,632 sqft · Other public records · 362 Days on market

Built 1956 0.35 ac lot

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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).

• Cash flow +19.9/30.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• 1% rule +4.8/10.0
• Livability +4.0/5.0
• Schools +3.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Three bedroom two bath home on nice corner lot. Large family room with open kitchen. Hardwood flooring under most of the carpet. Lots of space for a family!

Key facts

• 0.35 acre lot
• Built 1956
• Listed 362 days

Property features AI

Finance

• HOA & community: No association fees; Street maintenance provided

Exterior

• Parking: Other parking
• Utilities: Public water; Public sewer
• Home design: Single-family ranch home; Residential property; One-story
• Construction: Vinyl siding; Composition roof; Has full unfinished basement
• Exterior features: Gazebo; Lot approximately 85 x 177 feet; Not in a flood plain

Interior

• Kitchen: Dishwasher; Disposal; Electric range
• Bedrooms: 3 bedrooms on the first level
• Flooring: Carpet; Vinyl; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced-air heating (natural gas); Has cooling
• Interior features: Cedar closet; Ceiling fans; Thermal windows; Kit/dining combo
• Laundry & utility: Basement utility space (full, unfinished concrete)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $125k.

Deal economics

• At list price, monthly cash flow is $150 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $122k (2.3% below list).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 4.2% in Maryville — 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 79/100 on livability (#23 in MO, #2,122 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: employment D, commute F.
• Maryville R-II (town): math 42% / reading 53% proficiency, ranked #79 of 324 in MO (top 24%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 134 active listings in the ZIP; 49 units permitted in Nodaway County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Nodaway County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 362 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y ago; this cycle's ask has dropped $30k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $110,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 362 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.98% ✗
• Cap rate: 7.74%
• Cash-on-cash: 5.16%
• DSCR: 1.23
• GRM: 8.5

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: -8.3%
• Equity multiple: 0.69×
• Total profit: $-10,685
• Equity at exit: $18,638

10-year hold

• IRR: 1.2%
• Equity multiple: 1.09×
• Total profit: $2,987
• Equity at exit: $10,808

Cash invested: $35,000 (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 64468

• Home prices YoY: -25.4%
• Active inventory: 134
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,222 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$107 /mo · $1,286/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$257
• Net cashflow: $150

Break-even live

Break-even rent $1,031

Max offer price $125,000

Occupancy floor 83%

Sensitivity live

Price	-10% $221	-5% $186	+0% $150	+5% $115	+10% $80
Rent	-10% $54	-5% $102	+0% $150	+5% $199	+10% $247
Rate	-1.0pp $213	-0.5pp $182	base $150	+0.5pp $118	+1.0pp $85

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-21
   days on market $125,000 Active 362 DOM
2. 2026-06-18
   days on market $125,000 Active 360 DOM
3. 2026-06-17
   days on market $125,000 Active 359 DOM
4. 2026-06-16
   days on market $125,000 Active 358 DOM
5. 2026-06-15
   days on market $125,000 Active 357 DOM
6. 2026-06-13
   days on market $125,000 Active 355 DOM
7. 2026-06-12
   days on market $125,000 Active 354 DOM
8. 2026-06-09
   days on market $125,000 Active 351 DOM
9. 2026-06-08
   days on market $125,000 Active 350 DOM
10. 2026-06-07
    days on market $125,000 Active 349 DOM
11. 2026-06-07
    days on market $125,000 Active 348 DOM
12. 2026-06-04
    days on market $125,000 Active 345 DOM
13. 2026-06-02
    days on market $125,000 Active 344 DOM
14. 2026-06-01
    days on market $125,000 Active 343 DOM
15. 2026-05-31
    days on market $125,000 Active 342 DOM
16. 2026-03-06
    price $125,000
17. 2025-10-31
    status Active
18. 2025-10-31
    price $145,000
19. 2025-08-20
    historical Active Under Contract
20. 2025-06-23
    listed $155,000 Active
21. 2023-08-29
    historical
22. 2016-05-13
    soldstatus 156-char remark

    Show marketing remark (156 chars)

    Three bedroom two bath home on nice corner lot. Large family room with open kitchen. Hardwood flooring under most of the carpet. Lots of space for a family!

23. 2015-09-01
    listed $85,000 156-char remark

    Show marketing remark (156 chars)

    Three bedroom two bath home on nice corner lot. Large family room with open kitchen. Hardwood flooring under most of the carpet. Lots of space for a family!

24. 2008-08-27
    listed $105,000

ⓘ 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: $1,286 · $107/mo
• Projected year-2 tax: $1,286 · $107/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥105°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,661
• − Mortgage interest: −$7,002
• − Property taxes: −$1,286
• − Insurance: −$625
• − Repairs & maintenance: −$1,173
• − Management: −$1,173
• − Depreciation: −$3,636
• Taxable loss: −$234
• Est. tax savings @ 24.0%: +$56
• After-tax cash flow: $1,862/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: Maryville R-II
• NCES district ID: 2920490
• Math proficiency: 42% ▼ -5.00%
• Reading proficiency: 53% ▼ -2.00%
• Median HH income: $35,045
• Composite: 39.24/100
• National rank: #4005
• State rank: #79 of 324 in MO

Livability — Maryville

• Score: 79/100
• State rank: #23
• US rank: #2122

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Maryville, MO
• City population: 14,315
• Population (ZIP): 14,315

Population outlook (Nodaway County) Hauer SSP2

• Today (2025): 22,010 people
• By 2030: 21,531 · -2.2%
• By 2040: 20,360 · -7.5%
• By 2050: 19,210 · -12.7%
• By 2075: 17,711 · -19.5%
• By 2100: 16,796 · -23.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Black 3% Hispanic / Latino 3% Two or more races 2% Asian 2%
• Common ancestry: Slovak 3% Italian 3% Lithuanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 1% Other Asian/Pacific 1% German/W. Germanic 0%

Political lean MEDSL · Nodaway

• 2024 margin: Solid R (+43.7) · D 27.6% · R 71.4% · Other 1.0%
• 2008→2024 swing: -33.2pp toward R · 2008: -10.5pp · 2024: -43.7pp
• All cycles: 2024: R+43.7 2020: R+40.5 2016: R+40.8 2012: R+27.0 2008: R+10.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -65.91%
• Current HPI: 193.2735
• 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

+19.0% since first listed

9 events — show timeline

• 2026-03-06 Price Changed $125,000 Heartland MLS as Distributed by MLS Grid
• 2025-10-31 Relisted — Heartland MLS as Distributed by MLS Grid
• 2025-10-31 Price Changed $145,000 Heartland MLS as Distributed by MLS Grid
• 2025-08-20 Contingent — Heartland MLS as Distributed by MLS Grid
• 2025-06-23 Listed $155,000 Heartland MLS as Distributed by MLS Grid
• 2023-08-29 Listing Removed — Heartland MLS as Distributed by MLS Grid
• 2016-05-13 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2015-09-01 Listed $85,000 Heartland MLS as Distributed by MLS Grid
• 2008-08-27 Listed $105,000 Heartland MLS as Distributed by MLS Grid

Property tax history

+1.4%/yr

Latest (2025): $1,286 · +3.3% YoY. Source: county tax records.