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419 Mower St
B- Composite 69.22
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
  • Rent growth +3.2/5.0
  • Livability +3.1/5.0
  • Schools +2.9/10.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$69,000

419 Mower St · Duenweg, MO 64801
3 bd · 1.0 ba · 768 sqft · Other public records · 12 Days on market
Built 1960 8,451 sqft lot

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Investors and Flippers Delight!!!! Utility Room and Bonus Room is not included in the square footage. Home is in a great area and has so much potential!

Key facts

  • 8,451 sq ft lot
  • Built 1960
  • Listed 12 days

Property features AI

Finance

  • Other: Lot dimensions approximately 65 x 130 (0.194 acres)

Exterior

  • Parking: No designated parking
  • Utilities: Public water; Public sewer
  • Home design: Single-family residence; One level
  • Construction: Block foundation
  • Exterior features: Roof: Other; Property has a view; Asphalt road frontage on a city street; Publicly maintained road

Interior

  • Kitchen: No appliances listed
  • Flooring: Flooring details listed in remarks
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Central heating (electric); Central air conditioning
  • Interior features: Other interior features (see remarks)
  • Laundry & utility: No laundry appliances listed

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath other listed at $69k.

Deal economics

  • At list price, monthly cash flow is $527 ($6k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $69k).

Location & tenants

  • Location reads 62/100 on livability (#377 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities F, commute F, employment F.
  • Joplin Schools (urban): math 30% / reading 39% proficiency, ranked #231 of 324 in MO (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Soaring Heights Elem. (math 17% / reading 22%, grade F, #941 of 1,115 statewide, top 86%, 407 students, 56% FRL); East Middle (math 22% / reading 40%, grade F, #279 of 391 statewide, top 72%, 597 students, 66% FRL); Joplin High (math 32% / reading 46%, grade F, #287 of 521 statewide, top 55%, 2,233 students, 50% FRL) — zoned schools at 57% FRL track the district average.
  • Market conditions: Rents rising (+3.0%/yr); 377 active listings in the ZIP; 602 units permitted in Jasper County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $477 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

  • Only 12 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

  • Climate carrying-cost: moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $69,000

Questions for the listing agent

  1. Built in 1960 — 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 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?
  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
1.77%
Cap rate
15.45%
Cash-on-cash
32.71%
DSCR
2.46
GRM
4.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.95% rent growth · sell at horizon

5-year hold
IRR
27.8%
Equity multiple
2.15×
Total profit
$22,298
Equity at exit
$10,288
10-year hold
IRR
35.2%
Equity multiple
4.23×
Total profit
$62,336
Equity at exit
$5,966

Cash invested: $19,320 (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.

ZIP-level market 64801

Rents YoY
3.0%
Active inventory
377
Price-to-rent
4.7×

Monthly cashflow live

Estimated rent
$1,220 medium interval (Pro) →
Mortgage (P&I)
$362
Tax from tax record
$46 /mo · $556/yr
Insurance
$29
HOA
$0
Vacancy / Maint / Mgmt
$256
Net cashflow
$527

Break-even live

Break-even rent $553
Max offer price $69,000
Occupancy floor 52%

Sensitivity live

Price -10% $566 -5% $546 +0% $527 +5% $507 +10% $488
Rent -10% $430 -5% $479 +0% $527 +5% $575 +10% $623
Rate -1.0pp $561 -0.5pp $544 base $527 +0.5pp $509 +1.0pp $491

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
$17,250
Closing costs
$2,070
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 4 events

  1. 2026-05-11
    status Pending
  2. 2026-05-07
    historical Active Under Contract
  3. 2026-04-29
    listed $69,000 Active
  4. 1995-11-13
    soldstatus

ⓘ 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
$556 · $46/mo
Projected year-2 tax
$669 · $56/mo
Expected delta
+$113/yr (+$9/mo · 20.3%)

ⓘ 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 ≥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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$14,638
− Mortgage interest
−$3,865
− Property taxes
−$556
− Insurance
−$345
− Repairs & maintenance
−$1,171
− Management
−$1,171
− Depreciation
−$2,007
Taxable income
$5,522
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,325
After-tax cash flow
$4,995/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
Joplin Schools
NCES district ID
2916350
Math proficiency
30% ▼ -3.00%
Reading proficiency
39% ▼ -3.00%
Median HH income
$38,648
Composite
28.82/100
National rank
#6657
State rank
#231 of 324 in MO

Livability — Duenweg

Score
62/100
State rank
#377
US rank
#16618

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Duenweg, MO
County
Jasper County · 79,035 people
City population
73,303
Metro
Joplin, MO
Population (ZIP)
36,287
Household income
$52,620
Rent vs Own
46.7% rent · 53.3% own
Severe rent burden
1710.0

Population outlook (Jasper County) Hauer SSP2

Today (2025)
120,033 people
By 2030
120,091 · +0.0%
By 2040
119,297 · -0.6%
By 2050
117,705 · -1.9%
By 2075
110,402 · -8.0%
By 2100
99,719 · -16.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (82%)
Race & ethnicity
White 82% Two or more races 8% Hispanic / Latino 6% Black 3% Asian 2% Native American 1%
Hispanic origin (detail)
Mexican 4%
Common ancestry
Slovak 2% Lithuanian 2% Italian 2%
Foreign-born
4% · Canada
Languages at home
94% English-only · Spanish 3% Other Asian/Pacific 1%

Political lean MEDSL · Jasper

2024 margin
Solid R (+46.8) · D 25.9% · R 72.7% · Other 1.4%
2008→2024 swing
-13.6pp toward R · 2008: -33.2pp · 2024: -46.8pp
All cycles
2024: R+46.8 2020: R+46.2 2016: R+50.8 2012: R+41.0 2008: R+33.2

Not yet ingested

Civics

Market trends

HPI YoY
▼ -174.15%
Current HPI
248.5056
Rent YoY
▲ 2.95%
Metro
Joplin, MO
State GDP YoY
▲ 1.84%
F500 in state
20

Industry mix (Fortune 500 HQ in MO)

Industry F500 HQs Revenue

Price history

4 events — show timeline
  • 2026-05-11 Pending SOMO
  • 2026-05-07 Contingent SOMO
  • 2026-04-29 Listed $69,000 SOMO
  • 1995-11-13 Sold (Public Records) Public Records

Property tax history

+3.5%/yr

Latest (2025): $556 · +20.8% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…