304 Floyd Rd · Orrick, MO 64077

$210,000

3 bd · 2.0 ba · 1,368 sqft · SingleFamily public records · 3 Days on market

Built 1948 0.37 ac lot $154/sqft · 8% above area Est $302k · 31% under

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Why this score? — see what drove the D 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).

• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• Cash flow +6.7/30.0
• Schools +3.2/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.0/10.0
• 1% rule +0.9/10.0

Listing remarks MLS

* * MULTIPLE OFFERS RECEIVED-OFFER DEADLINE SET FOR 5/16 BY 5 PM * * Come check out this FIVE bedroom, three bath home located in rural, peaceful Orrick, MO. Spacious and updated, this home offers a large main living level (laundry on main in the garage) and a second living space with two finished bedrooms and a full bathroom in the basement. With a large primary suite with walk-in closet and built in safes plus tons of storage space below, this home is worth a view! Complete with a fenced backyard, shed, back deck and double driveway, there is room for all your toys. The peaceful view out the back will remind you why you moved to the country!

Key facts

• 0.37 acre lot
• Garage
• Built 1948

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $-795 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $70k (66.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $125k (40.6% below list).
• Recommended offer: $70k (66.9% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 59/100 on livability (#533 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools D+, crime F, amenities F.
• Orrick R-XI (rural): math 30% / reading 35% proficiency, ranked #405 of 535 in MO (top 76%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 12 active listings in the ZIP; 56 units permitted in Ray County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $22k of equity ($1k loan paydown + $21k appreciation (10.0% local appreciation)).
• Ray County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 7y ago 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: flood insurance adds $460/mo; built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $69,611 (66.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1948 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is F 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.59% ✗
• Cap rate: 4.38%
• Cash-on-cash: -6.82%
• DSCR: 0.70
• GRM: 14.0

CMA / ARV

• ARV (median comp): $302,298
• List price: $210,000
• Delta: -30.53%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
104 W Pine St	0.33mi	4/2.0 (+1)	1,397 (+2%)	5mo	$190,000	$136	71

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.1%
• Equity multiple: 2.09×
• Total profit: $63,977
• Equity at exit: $189,185

10-year hold

• IRR: 13.4%
• Equity multiple: 4.89×
• Total profit: $228,645
• Equity at exit: $407,984

Cash invested: $58,800 (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 64077

• Home prices YoY: 20.3%
• Active inventory: 12
• Price-to-rent: 14.0×

Monthly cashflow live

• Estimated rent: $1,248 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$131 /mo · $1,575/yr
• Insurance: −$88
• Flood insurance flood zone: −$460 /mo · $5,525/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$262
• Net cashflow: $-795

Break-even live

Break-even rent $2,254

Max offer price $69,611

Occupancy floor —

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-05-17
   status Pending 658-char remark

   Show marketing remark (658 chars)

   * * MULTIPLE OFFERS RECEIVED-OFFER DEADLINE SET FOR 5/16 BY 5 PM * * Come check out this FIVE bedroom, three bath home located in rural, peaceful Orrick, MO. Spacious and updated, this home offers a large main living level (laundry on main in the garage) and a second living space with two finished bedrooms and a full bathroom in the basement. With a large primary suite with walk-in closet and built in safes plus tons of storage space below, this home is worth a view! Complete with a fenced backyard, shed, back deck and double driveway, there is room for all your toys. The peaceful view out the back will remind you why you moved to the country!

2. 2026-05-14
   listed $210,000 Active 658-char remark

   Show marketing remark (658 chars)

   * * MULTIPLE OFFERS RECEIVED-OFFER DEADLINE SET FOR 5/16 BY 5 PM * * Come check out this FIVE bedroom, three bath home located in rural, peaceful Orrick, MO. Spacious and updated, this home offers a large main living level (laundry on main in the garage) and a second living space with two finished bedrooms and a full bathroom in the basement. With a large primary suite with walk-in closet and built in safes plus tons of storage space below, this home is worth a view! Complete with a fenced backyard, shed, back deck and double driveway, there is room for all your toys. The peaceful view out the back will remind you why you moved to the country!

3. 2026-04-11
   historical $210,000 658-char remark

   Show marketing remark (658 chars)

   * * MULTIPLE OFFERS RECEIVED-OFFER DEADLINE SET FOR 5/16 BY 5 PM * * Come check out this FIVE bedroom, three bath home located in rural, peaceful Orrick, MO. Spacious and updated, this home offers a large main living level (laundry on main in the garage) and a second living space with two finished bedrooms and a full bathroom in the basement. With a large primary suite with walk-in closet and built in safes plus tons of storage space below, this home is worth a view! Complete with a fenced backyard, shed, back deck and double driveway, there is room for all your toys. The peaceful view out the back will remind you why you moved to the country!

4. 2023-12-26
   soldstatus Closed 1319-char remark

   Show marketing remark (1319 chars)

   Are you looking to get out of the city for lower taxes and yet still close enough for convenience at affordable price, this could be the one and all for under $200,000!!! You will love this darling ranch home that is pushing a half acre. It features 3 bedrooms on the main level, with a large family room, eat-in kitchen and dining area.  Enjoy the Master Suite as it sits away from the other bedrooms and has a full bathroom and a walk-in closet with a built-in safe. Fall in love with how peaceful and private it is out back as you sit on the freshly stained deck or enjoy gatherings around the fire pit this fall.   The backyard is fully fenced with a double gate on one side and a shed.   Water lines have been re-done along with some electrical work. New flooring in the bedrooms, some new siding and hot water tank.  The roof and HVAC are about 10 years old so they are good to go and having thermal windows will be a plus. Bonus laundry hook up in two different locations. In the lower level you will find a second family room and two additional bedrooms and full bathroom.   Plenty of storage and workshop. The oversized garage has a triple insulated door and double driveway for extra parking. Don't let this one get away, schedule your appointment today.

5. 2023-11-12
   status Pending 1319-char remark

   Show marketing remark (1319 chars)

   Are you looking to get out of the city for lower taxes and yet still close enough for convenience at affordable price, this could be the one and all for under $200,000!!! You will love this darling ranch home that is pushing a half acre. It features 3 bedrooms on the main level, with a large family room, eat-in kitchen and dining area.  Enjoy the Master Suite as it sits away from the other bedrooms and has a full bathroom and a walk-in closet with a built-in safe. Fall in love with how peaceful and private it is out back as you sit on the freshly stained deck or enjoy gatherings around the fire pit this fall.   The backyard is fully fenced with a double gate on one side and a shed.   Water lines have been re-done along with some electrical work. New flooring in the bedrooms, some new siding and hot water tank.  The roof and HVAC are about 10 years old so they are good to go and having thermal windows will be a plus. Bonus laundry hook up in two different locations. In the lower level you will find a second family room and two additional bedrooms and full bathroom.   Plenty of storage and workshop. The oversized garage has a triple insulated door and double driveway for extra parking. Don't let this one get away, schedule your appointment today.

6. 2023-11-10
   status Active 1319-char remark

   Show marketing remark (1319 chars)

   Are you looking to get out of the city for lower taxes and yet still close enough for convenience at affordable price, this could be the one and all for under $200,000!!! You will love this darling ranch home that is pushing a half acre. It features 3 bedrooms on the main level, with a large family room, eat-in kitchen and dining area.  Enjoy the Master Suite as it sits away from the other bedrooms and has a full bathroom and a walk-in closet with a built-in safe. Fall in love with how peaceful and private it is out back as you sit on the freshly stained deck or enjoy gatherings around the fire pit this fall.   The backyard is fully fenced with a double gate on one side and a shed.   Water lines have been re-done along with some electrical work. New flooring in the bedrooms, some new siding and hot water tank.  The roof and HVAC are about 10 years old so they are good to go and having thermal windows will be a plus. Bonus laundry hook up in two different locations. In the lower level you will find a second family room and two additional bedrooms and full bathroom.   Plenty of storage and workshop. The oversized garage has a triple insulated door and double driveway for extra parking. Don't let this one get away, schedule your appointment today.

7. 2023-11-03
   historical 1319-char remark

   Show marketing remark (1319 chars)

   Are you looking to get out of the city for lower taxes and yet still close enough for convenience at affordable price, this could be the one and all for under $200,000!!! You will love this darling ranch home that is pushing a half acre. It features 3 bedrooms on the main level, with a large family room, eat-in kitchen and dining area.  Enjoy the Master Suite as it sits away from the other bedrooms and has a full bathroom and a walk-in closet with a built-in safe. Fall in love with how peaceful and private it is out back as you sit on the freshly stained deck or enjoy gatherings around the fire pit this fall.   The backyard is fully fenced with a double gate on one side and a shed.   Water lines have been re-done along with some electrical work. New flooring in the bedrooms, some new siding and hot water tank.  The roof and HVAC are about 10 years old so they are good to go and having thermal windows will be a plus. Bonus laundry hook up in two different locations. In the lower level you will find a second family room and two additional bedrooms and full bathroom.   Plenty of storage and workshop. The oversized garage has a triple insulated door and double driveway for extra parking. Don't let this one get away, schedule your appointment today.

8. 2023-10-11
   listed $195,000 Active 1319-char remark

   Show marketing remark (1319 chars)

   Are you looking to get out of the city for lower taxes and yet still close enough for convenience at affordable price, this could be the one and all for under $200,000!!! You will love this darling ranch home that is pushing a half acre. It features 3 bedrooms on the main level, with a large family room, eat-in kitchen and dining area.  Enjoy the Master Suite as it sits away from the other bedrooms and has a full bathroom and a walk-in closet with a built-in safe. Fall in love with how peaceful and private it is out back as you sit on the freshly stained deck or enjoy gatherings around the fire pit this fall.   The backyard is fully fenced with a double gate on one side and a shed.   Water lines have been re-done along with some electrical work. New flooring in the bedrooms, some new siding and hot water tank.  The roof and HVAC are about 10 years old so they are good to go and having thermal windows will be a plus. Bonus laundry hook up in two different locations. In the lower level you will find a second family room and two additional bedrooms and full bathroom.   Plenty of storage and workshop. The oversized garage has a triple insulated door and double driveway for extra parking. Don't let this one get away, schedule your appointment today.

9. 2019-10-16
   soldstatus Sold
10. 2019-09-03
    status Pending
11. 2019-08-19
    historical Contingent - Accepting Backup Offers
12. 2019-08-15
    listed $124,900 Active

ⓘ 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: $1,575 · $131/mo
• Projected year-2 tax: $2,037 · $170/mo
• Expected delta: +$462/yr (+$39/mo · 29.3%)

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

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone AE · 7% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥108°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,973
• − Mortgage interest: −$11,763
• − Property taxes: −$1,575
• − Insurance: −$6,575
• − Repairs & maintenance: −$1,198
• − Management: −$1,198
• − Depreciation: −$6,109
• Taxable loss: −$13,445
• Est. tax savings @ 24.0%: +$3,227
• After-tax cash flow: $-6,310/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: Orrick R-XI
• NCES district ID: 2923220
• Math proficiency: 30% ▲ 5.00%
• Reading proficiency: 35% ▬ 0.00%
• Median HH income: $55,239
• Composite: 31.5/100
• National rank: #11177
• State rank: #405 of 535 in MO

Livability — Orrick

• Score: 59/100
• State rank: #533
• US rank: #19919

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Orrick, MO
• Population (ZIP): 1,643

Population outlook (Ray County) Hauer SSP2

• Today (2025): 21,420 people
• By 2030: 20,507 · -4.3%
• By 2040: 18,550 · -13.4%
• By 2050: 16,516 · -22.9%
• By 2075: 12,899 · -39.8%
• By 2100: 10,413 · -51.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 8% Black 2%
• Common ancestry: Slovak 2% Italian 1% Portuguese 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · German/W. Germanic 1%

Political lean MEDSL · Ray

• 2024 margin: Solid R (+48.7) · D 25.1% · R 73.8% · Other 1.1%
• 2008→2024 swing: -45.5pp toward R · 2008: -3.2pp · 2024: -48.7pp
• All cycles: 2024: R+48.7 2020: R+45.0 2016: R+37.1 2012: R+14.9 2008: R+3.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 37.84%
• Current HPI: 224.5
• 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

+68.1% since first listed

12 events — show timeline

• 2026-05-17 Pending — Heartland MLS as Distributed by MLS Grid
• 2026-05-14 Listed $210,000 Heartland MLS as Distributed by MLS Grid
• 2026-04-11 Coming Soon $210,000 Heartland MLS as Distributed by MLS Grid
• 2023-12-26 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2023-11-12 Pending — Heartland MLS as Distributed by MLS Grid
• 2023-11-10 Relisted — Heartland MLS as Distributed by MLS Grid
• 2023-11-03 Listing Removed — Heartland MLS as Distributed by MLS Grid
• 2023-10-11 Listed $195,000 Heartland MLS as Distributed by MLS Grid
• 2019-10-16 Sold (MLS) — Heartland MLS as Distributed by MLS Grid
• 2019-09-03 Pending — Heartland MLS as Distributed by MLS Grid
• 2019-08-19 Contingent — Heartland MLS as Distributed by MLS Grid
• 2019-08-15 Listed $124,900 Heartland MLS as Distributed by MLS Grid

Property tax history

+5.8%/yr

Latest (2025): $1,575 · +6.8% YoY. Source: county tax records.