3172 Quiet Forest Dr · Murphy, MO 63052

$130,000

3 bd · 2.0 ba · 1,680 sqft · Manufactured public records · 38 Days on market

Built 2017 0.34 ac lot $17/mo HOA · 1% of rent

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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 +28.7/30.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.1/10.0
• Schools +3.8/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

STOP renting and start building wealth—this is your chance to own a home for $130,000! Try $0 down financing through MHDC for qualified first-time buyers! Three bedrooms Two full baths! If you’ve been waiting for the “right time,” this is it. This move-in ready home takes the stress out of buying your first place with modern updates already done for you! This one has a brand new roof! Step inside to an open, inviting layout filled with natural light and stylish finishes. The spacious living area flows seamlessly into kitchen featuring an electric stove, refrigerator, microwave, and a bold designer backsplash that gives you that high-end look without the price tag. Whether you're hosting friends or enjoying a quiet night in, this space is built for real life. One of the biggest wins for first-time buyers? The updates are already handled. The primary bath has been tastefully remodeled, including a spa-like walk-in shower with custom tilework, built-in niches, and modern fixtures—bringing everyday comfort and a touch of luxury. Three bedrooms offer comfortable space, great natural light, and flexibility for your lifestyle—whether you’re working from home, growing into the space, or just want room to breathe. Outside, you’ll love the peaceful setting—no through street -perfect for relaxing evenings, pets, or hosting your first get-together as a homeowner. It’s the kind of setting that feels private and calm, yet you’re still close to everything you need for an easy commute and daily convenience. ?? First-Time Buyer Opportunity: With MHDC financing, qualified buyers may be able to purchase with little to no money down—making homeownership more affordable than you think. If you’re tired of renting and ready to start building equity, this home checks all the boxes: updated, affordable, and truly move-in ready. ?? Reach out today to see if you qualify for $0 down and take the first step toward owning your future!

Key facts

• 0.34 acre lot
• Built 2017
• Listed 38 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $130k.

Deal economics

• At list price, monthly cash flow is $365 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $126k (3.0% below list) — sets the bar for market timing.
• Cap rate 10.3% vs local median 3.0% in Murphy — 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 60/100 on livability (#461 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D+, employment D+, schools F.
• Fox C-6 (suburban): math 35% / reading 50% proficiency, ranked #103 of 324 in MO (top 32%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 123 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 807 units permitted in Jefferson County in 2024 (104 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $20k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $126,100 (3.0% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is D 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?
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: 1.21% ✓
• Cap rate: 10.27%
• Cash-on-cash: 14.22%
• DSCR: 1.63
• GRM: 6.9

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: 1.6%
• Equity multiple: 1.06×
• Total profit: $2,181
• Equity at exit: $19,383

10-year hold

• IRR: 11.2%
• Equity multiple: 1.88×
• Total profit: $31,871
• Equity at exit: $11,240

Cash invested: $36,400 (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 63052

• Active inventory: 123
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,578 medium
• Mortgage (P&I): −$682
• Tax from tax record: −$63 /mo · $751/yr
• Insurance: −$54
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$17
• Vacancy / Maint / Mgmt: −$331
• Net cashflow: $365

Break-even live

Break-even rent $1,116

Max offer price $130,000

Occupancy floor 72%

Sensitivity live

Price	-10% $438	-5% $402	+0% $365	+5% $328	+10% $291
Rent	-10% $240	-5% $302	+0% $365	+5% $427	+10% $489
Rate	-1.0pp $430	-0.5pp $398	base $365	+0.5pp $331	+1.0pp $297

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10 Branson Dr Arnold, MO	2.0	1.0	1300	$1,000	$0.77	44d	1	0.93mi

HOA detail

• Monthly dues: $17 · $204/yr
• Likely covers: electric

Listing history 10 events

1. 2026-05-16
   status Pending 2016-char remark

   Show marketing remark (2016 chars)

   STOP renting and start building wealth—this is your chance to own a home for $130,000! Try $0 down financing through MHDC for qualified first-time buyers! Three bedrooms Two full baths! If you’ve been waiting for the “right time,” this is it. This move-in ready home takes the stress out of buying your first place with modern updates already done for you! This one has a brand new roof! Step inside to an open, inviting layout filled with natural light and stylish finishes. The spacious living area flows seamlessly into kitchen featuring an electric stove, refrigerator, microwave, and a bold designer backsplash that gives you that high-end look without the price tag. Whether you're hosting friends or enjoying a quiet night in, this space is built for real life. One of the biggest wins for first-time buyers? The updates are already handled. The primary bath has been tastefully remodeled, including a spa-like walk-in shower with custom tilework, built-in niches, and modern fixtures—bringing everyday comfort and a touch of luxury. Three bedrooms offer comfortable space, great natural light, and flexibility for your lifestyle—whether you’re working from home, growing into the space, or just want room to breathe. Outside, you’ll love the peaceful setting—no through street -perfect for relaxing evenings, pets, or hosting your first get-together as a homeowner. It’s the kind of setting that feels private and calm, yet you’re still close to everything you need for an easy commute and daily convenience. ?? First-Time Buyer Opportunity: With MHDC financing, qualified buyers may be able to purchase with little to no money down—making homeownership more affordable than you think. If you’re tired of renting and ready to start building equity, this home checks all the boxes: updated, affordable, and truly move-in ready. ?? Reach out today to see if you qualify for $0 down and take the first step toward owning your future!

2. 2026-04-28
   price $130,000 2016-char remark

   Show marketing remark (2016 chars)

   STOP renting and start building wealth—this is your chance to own a home for $130,000! Try $0 down financing through MHDC for qualified first-time buyers! Three bedrooms Two full baths! If you’ve been waiting for the “right time,” this is it. This move-in ready home takes the stress out of buying your first place with modern updates already done for you! This one has a brand new roof! Step inside to an open, inviting layout filled with natural light and stylish finishes. The spacious living area flows seamlessly into kitchen featuring an electric stove, refrigerator, microwave, and a bold designer backsplash that gives you that high-end look without the price tag. Whether you're hosting friends or enjoying a quiet night in, this space is built for real life. One of the biggest wins for first-time buyers? The updates are already handled. The primary bath has been tastefully remodeled, including a spa-like walk-in shower with custom tilework, built-in niches, and modern fixtures—bringing everyday comfort and a touch of luxury. Three bedrooms offer comfortable space, great natural light, and flexibility for your lifestyle—whether you’re working from home, growing into the space, or just want room to breathe. Outside, you’ll love the peaceful setting—no through street -perfect for relaxing evenings, pets, or hosting your first get-together as a homeowner. It’s the kind of setting that feels private and calm, yet you’re still close to everything you need for an easy commute and daily convenience. ?? First-Time Buyer Opportunity: With MHDC financing, qualified buyers may be able to purchase with little to no money down—making homeownership more affordable than you think. If you’re tired of renting and ready to start building equity, this home checks all the boxes: updated, affordable, and truly move-in ready. ?? Reach out today to see if you qualify for $0 down and take the first step toward owning your future!

3. 2026-04-09
   listed $150,000 Active 2016-char remark

   Show marketing remark (2016 chars)

   STOP renting and start building wealth—this is your chance to own a home for $130,000! Try $0 down financing through MHDC for qualified first-time buyers! Three bedrooms Two full baths! If you’ve been waiting for the “right time,” this is it. This move-in ready home takes the stress out of buying your first place with modern updates already done for you! This one has a brand new roof! Step inside to an open, inviting layout filled with natural light and stylish finishes. The spacious living area flows seamlessly into kitchen featuring an electric stove, refrigerator, microwave, and a bold designer backsplash that gives you that high-end look without the price tag. Whether you're hosting friends or enjoying a quiet night in, this space is built for real life. One of the biggest wins for first-time buyers? The updates are already handled. The primary bath has been tastefully remodeled, including a spa-like walk-in shower with custom tilework, built-in niches, and modern fixtures—bringing everyday comfort and a touch of luxury. Three bedrooms offer comfortable space, great natural light, and flexibility for your lifestyle—whether you’re working from home, growing into the space, or just want room to breathe. Outside, you’ll love the peaceful setting—no through street -perfect for relaxing evenings, pets, or hosting your first get-together as a homeowner. It’s the kind of setting that feels private and calm, yet you’re still close to everything you need for an easy commute and daily convenience. ?? First-Time Buyer Opportunity: With MHDC financing, qualified buyers may be able to purchase with little to no money down—making homeownership more affordable than you think. If you’re tired of renting and ready to start building equity, this home checks all the boxes: updated, affordable, and truly move-in ready. ?? Reach out today to see if you qualify for $0 down and take the first step toward owning your future!

4. 2026-04-06
   historical $150,000 2016-char remark

   Show marketing remark (2016 chars)

   STOP renting and start building wealth—this is your chance to own a home for $130,000! Try $0 down financing through MHDC for qualified first-time buyers! Three bedrooms Two full baths! If you’ve been waiting for the “right time,” this is it. This move-in ready home takes the stress out of buying your first place with modern updates already done for you! This one has a brand new roof! Step inside to an open, inviting layout filled with natural light and stylish finishes. The spacious living area flows seamlessly into kitchen featuring an electric stove, refrigerator, microwave, and a bold designer backsplash that gives you that high-end look without the price tag. Whether you're hosting friends or enjoying a quiet night in, this space is built for real life. One of the biggest wins for first-time buyers? The updates are already handled. The primary bath has been tastefully remodeled, including a spa-like walk-in shower with custom tilework, built-in niches, and modern fixtures—bringing everyday comfort and a touch of luxury. Three bedrooms offer comfortable space, great natural light, and flexibility for your lifestyle—whether you’re working from home, growing into the space, or just want room to breathe. Outside, you’ll love the peaceful setting—no through street -perfect for relaxing evenings, pets, or hosting your first get-together as a homeowner. It’s the kind of setting that feels private and calm, yet you’re still close to everything you need for an easy commute and daily convenience. ?? First-Time Buyer Opportunity: With MHDC financing, qualified buyers may be able to purchase with little to no money down—making homeownership more affordable than you think. If you’re tired of renting and ready to start building equity, this home checks all the boxes: updated, affordable, and truly move-in ready. ?? Reach out today to see if you qualify for $0 down and take the first step toward owning your future!

5. 2026-04-06
   listed $150,000 Active 2016-char remark

   Show marketing remark (2016 chars)

   STOP renting and start building wealth—this is your chance to own a home for $130,000! Try $0 down financing through MHDC for qualified first-time buyers! Three bedrooms Two full baths! If you’ve been waiting for the “right time,” this is it. This move-in ready home takes the stress out of buying your first place with modern updates already done for you! This one has a brand new roof! Step inside to an open, inviting layout filled with natural light and stylish finishes. The spacious living area flows seamlessly into kitchen featuring an electric stove, refrigerator, microwave, and a bold designer backsplash that gives you that high-end look without the price tag. Whether you're hosting friends or enjoying a quiet night in, this space is built for real life. One of the biggest wins for first-time buyers? The updates are already handled. The primary bath has been tastefully remodeled, including a spa-like walk-in shower with custom tilework, built-in niches, and modern fixtures—bringing everyday comfort and a touch of luxury. Three bedrooms offer comfortable space, great natural light, and flexibility for your lifestyle—whether you’re working from home, growing into the space, or just want room to breathe. Outside, you’ll love the peaceful setting—no through street -perfect for relaxing evenings, pets, or hosting your first get-together as a homeowner. It’s the kind of setting that feels private and calm, yet you’re still close to everything you need for an easy commute and daily convenience. ?? First-Time Buyer Opportunity: With MHDC financing, qualified buyers may be able to purchase with little to no money down—making homeownership more affordable than you think. If you’re tired of renting and ready to start building equity, this home checks all the boxes: updated, affordable, and truly move-in ready. ?? Reach out today to see if you qualify for $0 down and take the first step toward owning your future!

6. 2014-11-18
   listed $59,900 652-char remark

   Show marketing remark (652 chars)

   A lot of space for the money. This 2200 sq ft home in the Fox School District. There is a very open floor plan with storage galore. Lots of cabinets and counter space for cooking big meals and plenty of room for large dining room furniture. Huge family room area and and separate living room . The master bedroom features a luxury bath with deep soaking tub and separate shower. This home sits on 1 1/2 lots and is a very private location. Feels like you're in the country, but only a few minutes away from the shopping and all highways. Move-In ready. This is a lot of space for the $$. Please bring any offer to Seller they are motivated to sell. OBO

7. 2014-11-14
   soldstatus 652-char remark

   Show marketing remark (652 chars)

   A lot of space for the money. This 2200 sq ft home in the Fox School District. There is a very open floor plan with storage galore. Lots of cabinets and counter space for cooking big meals and plenty of room for large dining room furniture. Huge family room area and and separate living room . The master bedroom features a luxury bath with deep soaking tub and separate shower. This home sits on 1 1/2 lots and is a very private location. Feels like you're in the country, but only a few minutes away from the shopping and all highways. Move-In ready. This is a lot of space for the $$. Please bring any offer to Seller they are motivated to sell. OBO

8. 2010-02-11
   soldstatus
9. 2002-12-11
   soldstatus
10. 2002-10-18
    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: $751 · $63/mo
• Projected year-2 tax: $1,261 · $105/mo
• Expected delta: +$510/yr (+$43/mo · 68.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,937
• − Mortgage interest: −$7,282
• − Property taxes: −$751
• − Insurance: −$1,448
• − Repairs & maintenance: −$1,515
• − Management: −$1,515
• − HOA: −$204
• − Depreciation: −$3,782
• Taxable income: $2,441
• Est. tax owed @ 24.0%: −$586
• After-tax cash flow: $3,791/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: Fox C-6
• NCES district ID: 2912300
• Math proficiency: 35% ▼ -11.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $60,849
• Composite: 37.54/100
• National rank: #4392
• State rank: #103 of 324 in MO

Livability — Murphy

• Score: 60/100
• State rank: #461
• US rank: #18506

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Jefferson County · 108,544 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 28,712
• Household income: $92,922
• Rent vs Own: 15.0% rent · 85.0% own
• Severe rent burden: 333.0

Population outlook (Jefferson County) Hauer SSP2

• Today (2025): 235,088 people
• By 2030: 238,365 · +1.4%
• By 2040: 240,156 · +2.2%
• By 2050: 234,651 · -0.2%
• By 2075: 214,569 · -8.7%
• By 2100: 179,697 · -23.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Hispanic / Latino 3% Black 1%
• Common ancestry: Lithuanian 5% Romanian 2% Italian 2%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Jefferson

• 2024 margin: Solid R (+36.7) · D 31.0% · R 67.7% · Other 1.3%
• 2008→2024 swing: -39.3pp toward R · 2008: 2.5pp · 2024: -36.7pp
• All cycles: 2024: R+36.7 2020: R+33.9 2016: R+35.3 2012: R+12.7 2008: D+2.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -210.31%
• Current HPI: 196.6159
• Rent YoY: —
• Metro: St. Louis, MO-IL
• 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

+117.0% since first listed

10 events — show timeline

• 2026-05-16 Pending — MARIS as Distributed by MLS Grid
• 2026-04-28 Price Changed $130,000 MARIS as Distributed by MLS Grid
• 2026-04-09 Listed $150,000 MARIS as Distributed by MLS Grid
• 2026-04-06 Coming Soon $150,000 MARIS as Distributed by MLS Grid
• 2026-04-06 Listed $150,000 MARIS as Distributed by MLS Grid
• 2014-11-18 Listed $59,900 MARIS as Distributed by MLS Grid
• 2014-11-14 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2010-02-11 Sold (Public Records) — Public Records
• 2002-12-11 Sold (Public Records) — Public Records
• 2002-10-18 Sold (Public Records) — Public Records

Property tax history

+1.5%/yr

Latest (2025): $751 · +3.5% YoY. Source: county tax records.