804 4th St E · Scott City, MO 63780

$59,900

2 bd · 1.0 ba · 810 sqft · Other public records · 185 Days on market

Built 1910 6,969 sqft lot $74/sqft · 49% below area Est $105k · 43% under ↓ 20% since listing

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +3.1/10.0
• 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

This 2 bedroom 1 bath has lots of extra space for a house this size, including a small bonus room that could function as a 3rd bedroom or office. Pull in from the rear alley to a 2 car detached carport near the rear of this elevated lot and enjoy the privacy of a sparsely populated area in a small town. It needs some work but for this price range it has great potential!

Key facts

• Detached carport
• Bonus room
• Elevated lot

Tags

• BONUS ROOM
• DETACHED CARPORT
• ELEVATED LOT
• SPARSELY POPULATED AREA

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath other listed at $60k.

Deal economics

• At list price, monthly cash flow is $508 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $60k).
• Recommended offer: $53k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#514 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-, crime B; Watch: amenities F, commute F, employment D-.
• Scott City R-I (town): math 30% / reading 45% proficiency, ranked #193 of 324 in MO (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Scott City Elem. (math 17% / reading 27%, grade F, #910 of 1,115 statewide, top 83%, 270 students, 64% FRL); Scott City Middle (math 33% / reading 49%, grade F, #172 of 391 statewide, top 46%, 225 students, 60% FRL); Scott City High (math 42% / reading 54%, grade D, #151 of 521 statewide, top 29%, 260 students, 39% FRL) — zoned schools at 54% FRL track the district average.
• Market conditions: 19 active listings in the ZIP; 123 units permitted in Scott County in 2024 (32 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $414 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Scott County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 185 days — a 12% lower offer ($53k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y ago; this cycle's ask has dropped $58k (49%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $52,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 185 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 1910 — 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 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. 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: 1.84% ✓
• Cap rate: 16.47%
• Cash-on-cash: 36.35%
• DSCR: 2.62
• GRM: 4.5

CMA / ARV

• ARV (median comp): $105,123
• List price: $59,900
• Delta: -43.02%
• Verdict: UNDERPRICED
• Comps: 7 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 32.1%
• Equity multiple: 2.35×
• Total profit: $22,638
• Equity at exit: $8,931

10-year hold

• IRR: 39.2%
• Equity multiple: 4.66×
• Total profit: $61,315
• Equity at exit: $5,179

Cash invested: $16,772 (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 63780

• Active inventory: 19
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,099 medium
• Mortgage (P&I): −$314
• Tax from tax record: −$21 /mo · $255/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$231
• Net cashflow: $508

Break-even live

Break-even rent $456

Max offer price $59,900

Occupancy floor 49%

Sensitivity live

Price	-10% $542	-5% $525	+0% $508	+5% $491	+10% $474
Rent	-10% $421	-5% $465	+0% $508	+5% $552	+10% $595
Rate	-1.0pp $538	-0.5pp $523	base $508	+0.5pp $493	+1.0pp $477

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: $14,975
• Closing costs: $1,797
• Reserves months: —
• Total cash needed: —

Listing history 33 events

1. 2026-06-21
   days on market $59,900 Active 185 DOM
2. 2026-06-19
   days on market $59,900 Active 183 DOM
3. 2026-06-18
   days on market $59,900 Active 182 DOM
4. 2026-06-17
   days on market $59,900 Active 181 DOM
5. 2026-06-16
   days on market $59,900 Active 180 DOM
6. 2026-06-15
   days on market $59,900 Active 179 DOM
7. 2026-06-14
   days on market $59,900 Active 177 DOM
8. 2026-06-13
   pricedays on market $59,900 Active 176 DOM
9. 2026-06-10
   days on market $67,500 Active 174 DOM
10. 2026-06-09
    days on market $67,500 Active 173 DOM
11. 2026-06-08
    days on market $67,500 Active 172 DOM
12. 2026-06-07
    days on market $67,500 Active 171 DOM
13. 2026-06-05
    days on market $67,500 Active 168 DOM
14. 2026-06-02
    days on market $67,500 Active 166 DOM
15. 2026-06-01
    days on market $67,500 Active 165 DOM
16. 2026-05-31
    days on market $67,500 Active 164 DOM
17. 2026-05-30
    days on market $67,500 Active 163 DOM
18. 2026-05-04
    price $67,500 372-char remark

    Show marketing remark (372 chars)

    This 2 bedroom 1 bath has lots of extra space for a house this size, including a small bonus room that could function as a 3rd bedroom or office. Pull in from the rear alley to a 2 car detached carport near the rear of this elevated lot and enjoy the privacy of a sparsely populated area in a small town. It needs some work but for this price range it has great potential!

19. 2026-03-24
    price $74,000 372-char remark

    Show marketing remark (372 chars)

    This 2 bedroom 1 bath has lots of extra space for a house this size, including a small bonus room that could function as a 3rd bedroom or office. Pull in from the rear alley to a 2 car detached carport near the rear of this elevated lot and enjoy the privacy of a sparsely populated area in a small town. It needs some work but for this price range it has great potential!

20. 2026-02-13
    price $86,000 372-char remark

    Show marketing remark (372 chars)

    This 2 bedroom 1 bath has lots of extra space for a house this size, including a small bonus room that could function as a 3rd bedroom or office. Pull in from the rear alley to a 2 car detached carport near the rear of this elevated lot and enjoy the privacy of a sparsely populated area in a small town. It needs some work but for this price range it has great potential!

21. 2026-01-23
    price $104,900 372-char remark

    Show marketing remark (372 chars)

    This 2 bedroom 1 bath has lots of extra space for a house this size, including a small bonus room that could function as a 3rd bedroom or office. Pull in from the rear alley to a 2 car detached carport near the rear of this elevated lot and enjoy the privacy of a sparsely populated area in a small town. It needs some work but for this price range it has great potential!

22. 2025-12-19
    listed $117,500 Active 372-char remark

    Show marketing remark (372 chars)

    This 2 bedroom 1 bath has lots of extra space for a house this size, including a small bonus room that could function as a 3rd bedroom or office. Pull in from the rear alley to a 2 car detached carport near the rear of this elevated lot and enjoy the privacy of a sparsely populated area in a small town. It needs some work but for this price range it has great potential!

23. 2020-07-16
    soldstatus
24. 2020-07-15
    soldstatus Closed 445-char remark

    Show marketing remark (445 chars)

    This home is in a quiet neighborhood. Open concept kitchen with dining room, living room, full bath with walk in shower and main level laundry. Upstairs there are 2 bedrooms with 3rd. room that can be used as office. Dining room open concept 10x10. Dawn to dusk light in alley by Ameran UE $10 month. 4 car parking includes 2 car metal carport. Metal storage shed in back. Metal roof on house. Laundry room combined Breakfast room on main level.

25. 2020-06-01
    status Pending 445-char remark

    Show marketing remark (445 chars)

    This home is in a quiet neighborhood. Open concept kitchen with dining room, living room, full bath with walk in shower and main level laundry. Upstairs there are 2 bedrooms with 3rd. room that can be used as office. Dining room open concept 10x10. Dawn to dusk light in alley by Ameran UE $10 month. 4 car parking includes 2 car metal carport. Metal storage shed in back. Metal roof on house. Laundry room combined Breakfast room on main level.

26. 2020-03-06
    price $72,000 445-char remark

    Show marketing remark (445 chars)

    This home is in a quiet neighborhood. Open concept kitchen with dining room, living room, full bath with walk in shower and main level laundry. Upstairs there are 2 bedrooms with 3rd. room that can be used as office. Dining room open concept 10x10. Dawn to dusk light in alley by Ameran UE $10 month. 4 car parking includes 2 car metal carport. Metal storage shed in back. Metal roof on house. Laundry room combined Breakfast room on main level.

27. 2020-03-06
    status Active 445-char remark

    Show marketing remark (445 chars)

    This home is in a quiet neighborhood. Open concept kitchen with dining room, living room, full bath with walk in shower and main level laundry. Upstairs there are 2 bedrooms with 3rd. room that can be used as office. Dining room open concept 10x10. Dawn to dusk light in alley by Ameran UE $10 month. 4 car parking includes 2 car metal carport. Metal storage shed in back. Metal roof on house. Laundry room combined Breakfast room on main level.

28. 2020-02-26
    status Pending 445-char remark

    Show marketing remark (445 chars)

    This home is in a quiet neighborhood. Open concept kitchen with dining room, living room, full bath with walk in shower and main level laundry. Upstairs there are 2 bedrooms with 3rd. room that can be used as office. Dining room open concept 10x10. Dawn to dusk light in alley by Ameran UE $10 month. 4 car parking includes 2 car metal carport. Metal storage shed in back. Metal roof on house. Laundry room combined Breakfast room on main level.

29. 2020-01-23
    price $74,000 445-char remark

    Show marketing remark (445 chars)

    This home is in a quiet neighborhood. Open concept kitchen with dining room, living room, full bath with walk in shower and main level laundry. Upstairs there are 2 bedrooms with 3rd. room that can be used as office. Dining room open concept 10x10. Dawn to dusk light in alley by Ameran UE $10 month. 4 car parking includes 2 car metal carport. Metal storage shed in back. Metal roof on house. Laundry room combined Breakfast room on main level.

30. 2019-10-30
    listed $79,900 Active 445-char remark

    Show marketing remark (445 chars)

    This home is in a quiet neighborhood. Open concept kitchen with dining room, living room, full bath with walk in shower and main level laundry. Upstairs there are 2 bedrooms with 3rd. room that can be used as office. Dining room open concept 10x10. Dawn to dusk light in alley by Ameran UE $10 month. 4 car parking includes 2 car metal carport. Metal storage shed in back. Metal roof on house. Laundry room combined Breakfast room on main level.

31. 2019-09-27
    price $82,000
32. 2019-09-11
    price $84,900
33. 1998-04-01
    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: $255 · $21/mo
• Projected year-2 tax: $581 · $48/mo
• Expected delta: +$326/yr (+$27/mo · 128.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 3% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,191
• − Mortgage interest: −$3,355
• − Property taxes: −$255
• − Insurance: −$300
• − Repairs & maintenance: −$1,055
• − Management: −$1,055
• − Depreciation: −$1,743
• Taxable income: $5,428
• Est. tax owed @ 24.0%: −$1,303
• After-tax cash flow: $4,794/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: Scott City R-I
• NCES district ID: 2915450
• Math proficiency: 30% ▼ -5.00%
• Reading proficiency: 45% ▲ 4.00%
• Median HH income: $38,560
• Composite: 31.27/100
• National rank: #6021
• State rank: #193 of 324 in MO

Livability — Scott City

• Score: 60/100
• State rank: #514
• US rank: #19568

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Scott City, MO
• Population (ZIP): 6,155

Population outlook (Scott County) Hauer SSP2

• Today (2025): 37,964 people
• By 2030: 36,963 · -2.6%
• By 2040: 34,632 · -8.8%
• By 2050: 32,024 · -15.6%
• By 2075: 25,250 · -33.5%
• By 2100: 18,078 · -52.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Lithuanian 3% Slovak 2% Portuguese 1%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

Political lean MEDSL · Scott

• 2024 margin: Solid R (+58.9) · D 20.2% · R 79.2%
• 2008→2024 swing: -29.5pp toward R · 2008: -29.4pp · 2024: -58.9pp
• All cycles: 2024: R+58.9 2020: R+56.5 2016: R+55.6 2012: R+38.2 2008: R+29.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -90.62%
• Current HPI: 153.643
• 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

-20.5% since first listed

16 events — show timeline

• 2026-05-04 Price Changed $67,500 MARIS as Distributed by MLS Grid
• 2026-03-24 Price Changed $74,000 MARIS as Distributed by MLS Grid
• 2026-02-13 Price Changed $86,000 MARIS as Distributed by MLS Grid
• 2026-01-23 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2025-12-19 Listed $117,500 MARIS as Distributed by MLS Grid
• 2020-07-16 Sold (Public Records) — Public Records
• 2020-07-15 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2020-06-01 Pending — MARIS as Distributed by MLS Grid
• 2020-03-06 Price Changed $72,000 MARIS as Distributed by MLS Grid
• 2020-03-06 Relisted — MARIS as Distributed by MLS Grid
• 2020-02-26 Pending — MARIS as Distributed by MLS Grid
• 2020-01-23 Price Changed $74,000 MARIS as Distributed by MLS Grid
• 2019-10-30 Listed $79,900 MARIS as Distributed by MLS Grid
• 2019-09-27 Price Changed $82,000 MARIS as Distributed by MLS Grid
• 2019-09-11 Price Changed $84,900 MARIS as Distributed by MLS Grid
• 1998-04-01 Sold (Public Records) — Public Records

Property tax history

+3.0%/yr

Latest (2025): $255 · +9.6% YoY. Source: county tax records.