911 Georgene Rd · Sunrise Beach, MO 65020

$173,500

3 bd · 2.0 ba · 1,936 sqft · Other public records · 180 Days on market

Built 1960 7,840 sqft lot $90/sqft · 40% below area Est $288k · 40% under $13/mo HOA · 1% of rent

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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 +22.8/30.0
• ARV discount +15.0/15.0
• DSCR +7.3/10.0
• 1% rule +4.8/10.0
• Schools +4.0/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear. https://www. servicelinkauction.com/property-details/911-georgene-rd-camdenton-65020-mo-united-states-trd

Key facts

• Covered front porch
• Shared half-slip
• Back deck

Tags

• BOAT SLIP
• SHARED HALF-SLIP
• COVERED FRONT PORCH
• BACK DECK
• OPEN-CONCEPT LIVING ROOM
• UPSTAIRS PRIMARY SUITE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath other listed at $174k.

Deal economics

• At list price, monthly cash flow is $302 ($4k/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 $171k (1.7% below list).
• Recommended offer: $153k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 0.4% in Sunrise Beach — 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 65/100 on livability (#280 in MO) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D+, amenities F, commute F.
• Camdenton R-III (rural): math 46% / reading 48% proficiency, ranked #68 of 324 in MO (top 21%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 416 active listings in the ZIP; 272 units permitted in Camden County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Camden County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 180 days — a 12% lower offer ($153k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 14y ago; this cycle's ask has dropped $102k (37%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $152,680 (12.0% below list)

Questions for the listing agent

1. It's been on market 180 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 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 8.38%
• Cash-on-cash: 7.45%
• DSCR: 1.33
• GRM: 8.5

CMA / ARV

• ARV (median comp): $287,532
• List price: $173,500
• Delta: -39.66%
• Verdict: UNDERPRICED
• Comps: 2 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -5.0%
• Equity multiple: 0.82×
• Total profit: $-8,977
• Equity at exit: $25,869

10-year hold

• IRR: 4.7%
• Equity multiple: 1.34×
• Total profit: $16,635
• Equity at exit: $15,001

Cash invested: $48,580 (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 65020

• Home prices YoY: -32.9%
• Active inventory: 416
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,705 medium
• Mortgage (P&I): −$910
• Tax from tax record: −$50 /mo · $606/yr
• Insurance: −$72
• HOA: −$13
• Vacancy / Maint / Mgmt: −$358
• Net cashflow: $302

Break-even live

Break-even rent $1,324

Max offer price $173,500

Occupancy floor 77%

Sensitivity live

Price	-10% $400	-5% $351	+0% $302	+5% $252	+10% $203
Rent	-10% $167	-5% $234	+0% $302	+5% $369	+10% $436
Rate	-1.0pp $389	-0.5pp $346	base $302	+0.5pp $257	+1.0pp $211

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: $43,375
• Closing costs: $5,205
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $13 · $156/yr
• Likely covers: water

Listing history 32 events

1. 2026-05-12
   status Pending 584-char remark

   Show marketing remark (478 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

2. 2026-05-12
   status Pending 478-char remark

   Show marketing remark (478 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

3. 2026-04-27
   status Active 584-char remark

   Show marketing remark (584 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear. https://www. servicelinkauction.com/property-details/911-georgene-rd-camdenton-65020-mo-united-states-trd

4. 2026-04-27
   price $173,500 584-char remark

   Show marketing remark (584 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear. https://www. servicelinkauction.com/property-details/911-georgene-rd-camdenton-65020-mo-united-states-trd

5. 2026-04-26
   status Active 478-char remark

   Show marketing remark (478 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

6. 2026-04-26
   price $173,500 478-char remark

   Show marketing remark (478 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

7. 2026-04-25
   historical 478-char remark

   Show marketing remark (478 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

8. 2026-02-10
   status Active 478-char remark

   Show marketing remark (478 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

9. 2026-01-26
   status Active 584-char remark

   Show marketing remark (584 chars)

   Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear. https://www. servicelinkauction.com/property-details/911-georgene-rd-camdenton-65020-mo-united-states-trd

10. 2026-01-25
    historical 478-char remark

    Show marketing remark (478 chars)

    Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

11. 2026-01-14
    price $231,000 478-char remark

    Show marketing remark (584 chars)

    Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear. https://www. servicelinkauction.com/property-details/911-georgene-rd-camdenton-65020-mo-united-states-trd

12. 2026-01-14
    price $231,000 584-char remark

    Show marketing remark (584 chars)

    Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear. https://www. servicelinkauction.com/property-details/911-georgene-rd-camdenton-65020-mo-united-states-trd

13. 2025-12-12
    price $253,000 584-char remark

    Show marketing remark (478 chars)

    Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

14. 2025-12-12
    price $253,000 478-char remark

    Show marketing remark (478 chars)

    Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

15. 2025-10-27
    listed $275,000 Active 584-char remark

    Show marketing remark (478 chars)

    Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

16. 2025-10-27
    listed $275,000 Active 478-char remark

    Show marketing remark (478 chars)

    Family-friendly 3-bedroom, 2-bath home with a 2-car garage. Watercraft access: 1 boat slip and a shared half-slip for a Sea-Doo, leased through the HOA. Relax on the covered front porch and back deck, then retreat to the upstairs primary suite with a sitting area and walk-out deck. The main floor offers an open-concept living room and kitchen, while a few steps down reveals a cozy family room. The garage houses the laundry and extra storage for you to neatly tuck away gear.

17. 2023-08-11
    soldstatus
18. 2023-08-09
    soldstatus Closed
19. 2023-06-23
    historical Active Under Contract
20. 2023-06-14
    listed $269,900 Active
21. 2023-06-13
    historical
22. 2023-05-31
    status Active
23. 2023-05-11
    historical Active Under Contract
24. 2023-04-23
    price $274,900
25. 2023-04-04
    price $289,900
26. 2023-03-08
    listed $299,900 Active
27. 2021-08-19
    soldstatus
28. 2021-08-19
    soldstatus
29. 2021-05-28
    listed $175,000
30. 2012-07-20
    soldstatus
31. 2012-05-01
    listed $89,237
32. 2005-07-01
    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: $606 · $50/mo
• Projected year-2 tax: $1,683 · $140/mo
• Expected delta: +$1,077/yr (+$90/mo · 177.7%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,464
• − Mortgage interest: −$9,719
• − Property taxes: −$606
• − Insurance: −$868
• − Repairs & maintenance: −$1,637
• − Management: −$1,637
• − HOA: −$156
• − Depreciation: −$5,047
• Taxable income: $794
• Est. tax owed @ 24.0%: −$191
• After-tax cash flow: $3,428/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: Camdenton R-III
• NCES district ID: 2906990
• Math proficiency: 46% ▲ 10.00%
• Reading proficiency: 48% ▲ 1.00%
• Median HH income: $46,496
• Composite: 39.96/100
• National rank: #3838
• State rank: #68 of 324 in MO

Livability — Sunrise Beach

• Score: 65/100
• State rank: #280
• US rank: #13077

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Camden County · 21,945 people
• Metro: nan
• Population (ZIP): 14,748
• Household income: $62,392
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 166.0

Population outlook (Camden County) Hauer SSP2

• Today (2025): 44,585 people
• By 2030: 44,476 · -0.2%
• By 2040: 43,513 · -2.4%
• By 2050: 41,705 · -6.5%
• By 2075: 36,903 · -17.2%
• By 2100: 30,164 · -32.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 5% Two or more races 4%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 4% Slovak 2% Romanian 2%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 2% German/W. Germanic 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Camden

• 2024 margin: Solid R (+54.3) · D 22.4% · R 76.7%
• 2008→2024 swing: -25.8pp toward R · 2008: -28.5pp · 2024: -54.3pp
• All cycles: 2024: R+54.3 2020: R+53.2 2016: R+54.2 2012: R+39.3 2008: R+28.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -90.71%
• Current HPI: 185.4254
• Rent YoY: —
• Metro: nan
• 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

+94.4% since first listed

32 events — show timeline

• 2026-05-12 Pending — WCAR
• 2026-05-12 Pending — Heartland MLS as Distributed by MLS Grid
• 2026-04-27 Relisted — WCAR
• 2026-04-27 Price Changed $173,500 WCAR
• 2026-04-26 Relisted — Heartland MLS as Distributed by MLS Grid
• 2026-04-26 Price Changed $173,500 Heartland MLS as Distributed by MLS Grid
• 2026-04-25 Listing Removed — Heartland MLS as Distributed by MLS Grid
• 2026-02-10 Relisted — Heartland MLS as Distributed by MLS Grid
• 2026-01-26 Relisted — WCAR
• 2026-01-25 Listing Removed — Heartland MLS as Distributed by MLS Grid
• 2026-01-14 Price Changed $231,000 Heartland MLS as Distributed by MLS Grid
• 2026-01-14 Price Changed $231,000 WCAR
• 2025-12-12 Price Changed $253,000 WCAR
• 2025-12-12 Price Changed $253,000 Heartland MLS as Distributed by MLS Grid
• 2025-10-27 Listed $275,000 WCAR
• 2025-10-27 Listed $275,000 Heartland MLS as Distributed by MLS Grid
• 2023-08-11 Sold (Public Records) — Public Records
• 2023-08-09 Sold (MLS) — LOBR
• 2023-06-23 Contingent — LOBR
• 2023-06-14 Listed $269,900 LOBR
• 2023-06-13 Delisted — LOBR
• 2023-05-31 Relisted — LOBR
• 2023-05-11 Contingent — LOBR
• 2023-04-23 Price Changed $274,900 LOBR
• 2023-04-04 Price Changed $289,900 LOBR
• 2023-03-08 Listed $299,900 LOBR
• 2021-08-19 Sold (Public Records) — Public Records
• 2021-08-19 Sold (MLS) — LOBR
• 2021-05-28 Listed $175,000 LOBR
• 2012-07-20 Sold (MLS) — LOBR
• 2012-05-01 Listed $89,237 LOBR
• 2005-07-01 Sold (Public Records) — Public Records

Property tax history

+0.8%/yr

Latest (2025): $606 · +3.7% YoY. Source: county tax records.