9713 Calumet Dr · Bellefontaine Neighbors, MO 63137

$74,900

2 bd · 1.0 ba · 912 sqft · SingleFamily public records · 52 Days on market

Built 1956 6,298 sqft lot $82/sqft · 17% below area Est $90k · 17% under

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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
• Rent growth +4.1/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this well-maintained home in Bellefontaine Neighbors offering comfort, functionality, and value. This property features a bright living area with ample natural light, an efficient layout, and a spacious kitchen with plenty of cabinet storage. Generous bedroom sizes provide flexibility for families, guests, or a home office. The lower level offers additional space ideal for storage or future finishing. Enjoy a sizable yard perfect for outdoor gatherings, gardening, or relaxing evenings. Conveniently located near major highways, shopping, and local amenities, this home provides easy access to the greater St. Louis area while maintaining a quiet neighborhood feel. A great opportunit

Key facts

• Sizable yard
• Ample natural light
• Bright living area

Tags

• BRIGHT LIVING AREA
• SPACIOUS KITCHEN
• AMPLE NATURAL LIGHT
• GENEROUS BEDROOM SIZES
• SIZABLE YARD
• QUIET NEIGHBORHOOD FEEL

Property features AI

Finance

• Other: Living area reported as 912 (public records)
• Financial info: Lease not considered

Exterior

• Parking: Attached 1-car garage (1 total parking space)
• Utilities: Public water; Public sewer; Electric service (other)
• Home design: Single-family residence; One story; Private ownership
• Construction: Vinyl siding; Composition roof; Built on slab foundation
• Exterior features: Level lot; No patio or porch

Interior

• Kitchen: Other appliances
• Bedrooms: 2 bedrooms (both on the main level)
• Bathrooms: 1 full bathroom (on the main level)
• Heating & cooling: Central air conditioning (electric)
• Interior features: Partially finished basement; Other heating system
• Laundry & utility: Slab foundation

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $416 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $73k (3.0% below list) — sets the bar for market timing.
• Cap rate 13.0% vs local median 9.6% in Bellefontaine Neighbors — 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 58/100 on livability (#592 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: employment D+, crime F, amenities F.
• Riverview Gardens (suburban): math 2% / reading 9% proficiency, ranked #324 of 324 in MO (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 90% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Gibson Elem. (math 0% / reading 7%, grade F, #1,097 of 1,115 statewide, top 98%, 429 students, 99% FRL); Riverview Gardens Sr. High (math 2% / reading 18%, grade F, #501 of 521 statewide, top 97%, 1,331 students, 100% FRL).
• Market conditions: Rents rising fast (+6.6%/yr); 204 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• This rent runs 33% of the median local income ($43k/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 $518 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $21k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($73k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1956 — 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 $72,653 (3.0% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.62% ✓
• Cap rate: 12.96%
• Cash-on-cash: 23.80%
• DSCR: 2.06
• GRM: 5.2

CMA / ARV

• ARV (median comp): $90,290
• List price: $74,900
• Delta: -17.04%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
614 Ludlow Dr	0.09mi	3/1.0 (+1)	960 (+5%)	5mo	$109,900	$114	78
9737 Calumet Dr	0.07mi	3/2.0 (+1)	840 (-8%)	3mo	$149,500	$178	72
10066 Dorothy Ave	0.66mi	2/1.0	916 (+0%)	2mo	$99,900	$109	67
817 Lebon Dr	0.69mi	2/1.0	884 (-3%)	2mo	$93,000	$105	62
700 Chambers Rd	0.48mi	3/1.0 (+1)	960 (+5%)	5mo	$114,500	$119	60
810 Teurville Dr	0.68mi	3/1.0 (+1)	904 (-1%)	7mo	$70,000	$77	56
10045 Dorothy Ave	0.61mi	3/1.0 (+1)	864 (-5%)	6mo	$99,900	$116	53
375 Adrian Dr	0.52mi	3/1.0 (+1)	1,008 (+10%)	6mo	$110,000	$109	48
5 Forest Home Ct	0.68mi	3/1.0 (+1)	975 (+7%)	5mo	$149,900	$154	48
339 Midridge Dr	0.59mi	2/1.0	798 (-12%)	7mo	$40,000	$50	46
10071 Diamond Dr	0.73mi	2/1.0	1,008 (+10%)	5mo	$64,900	$64	45
534 Alcove Ave	0.73mi	3/1.0 (+1)	996 (+9%)	3mo	$104,200	$105	43

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

Projected returns pro-forma

-3.0% appreciation · 6.59% rent growth · sell at horizon

5-year hold

• IRR: 21.1%
• Equity multiple: 1.90×
• Total profit: $18,922
• Equity at exit: $11,168

10-year hold

• IRR: 31.6%
• Equity multiple: 4.37×
• Total profit: $70,754
• Equity at exit: $6,476

Cash invested: $20,972 (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 63137

• Rents YoY: 6.6%
• Active inventory: 204
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,211 high
• Mortgage (P&I): −$393
• Tax from tax record: −$117 /mo · $1,405/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$254
• Net cashflow: $416

Break-even live

Break-even rent $685

Max offer price $74,900

Occupancy floor 61%

Sensitivity live

Price	-10% $458	-5% $437	+0% $416	+5% $395	+10% $374
Rent	-10% $320	-5% $368	+0% $416	+5% $464	+10% $512
Rate	-1.0pp $454	-0.5pp $435	base $416	+0.5pp $397	+1.0pp $377

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
623 Ludlow Dr Saint Louis, MO	2.0	1.0	840	$1,199	$1.43	26d	1	0.06mi
9811 Lilac Dr Unit I St. Louis, MO	2.0	1.0	705	$799	$1.13	46d	1	0.19mi
9805 Lilac Dr Saint Louis, MO	1.0	1.0	575	$720	$1.25	46d	1	0.21mi
460 Bluff Dr Saint Louis, MO	3.0	1.0	1002	$1,300	$1.30	46d	1	0.30mi
9924 Gloucester Dr Saint Louis, MO	3.0	2.0	992	$1,565	$1.58	13d	1	0.32mi
435 Adrian Dr Saint Louis, MO	3.0	1.0	1100	$950	$0.86	22d	1	0.36mi
9943 Lilac Dr Saint Louis, MO	2.0	1.0	1086	$1,000	$0.92	46d	1	0.39mi
9640 Diamond Dr Saint Louis, MO	1.0–2.0	1.0	625	$800	$1.28	17d	3	0.48mi
9746 Diamond Dr Saint Louis, MO	3.0	2.0	910	$1,275	$1.40	46d	1	0.49mi
344 Midridge Dr Saint Louis, MO	2.0	1.0	810	$1,053	$1.30	46d	1	0.54mi
10027 Lilac Ave Saint Louis, MO	3.0	1.0	1008	$1,225	$1.22	1d	1	0.57mi
10066 Dorothy Ave Saint Louis, MO	2.0	1.0	916	$1,225	$1.34	24d	1	0.63mi
1130 Forest Home Dr Saint Louis, MO	3.0	1.0	1025	$1,275	$1.24	46d	1	0.65mi
255 Chambers Rd St. Louis, MO	2.0	1.0	700	$850	$1.21	46d	1	0.70mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	1d	1	0.75mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	46d	1	0.75mi
515 Topaz Ave Saint Louis, MO	3.0	2.0	912	$1,245	$1.37	1d	1	0.78mi
10019 Northgate Dr Saint Louis, MO	3.0	1.0	991	$1,150	$1.16	24d	1	0.84mi
10213 Durness Dr Saint Louis, MO	2.0	1.0	932	$1,225	$1.31	46d	1	0.85mi
10063 Northgate Dr Saint Louis, MO	2.0	1.0	1054	$1,200	$1.14	46d	1	0.90mi
10327 Renfrew Dr Saint Louis, MO	3.0	1.0	844	$1,199	$1.42	46d	1	0.92mi
10203 Trio Ln Saint Louis, MO	3.0	1.0	912	$1,435	$1.57	18d	1	0.94mi
10401 Hobkirk Dr Saint Louis, MO	3.0	1.0	1050	$1,500	$1.43	19d	1	0.95mi
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	13d	1	0.96mi
10309 Galloway Dr Saint Louis, MO	3.0	1.0	892	$1,270	$1.42	1d	1	0.96mi
416 Crawford Rd Saint Louis, MO	3.0	1.0	844	$1,350	$1.60	1d	1	0.98mi
849 River Trail Ct #102 St. Louis, MO	1.0	1.0	700	$825	$1.18	26d	1	0.99mi
849 River Trail Ct Apt 201 St. Louis, MO	1.0	1.0	700	$825	$1.18	46d	1	0.99mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,375	$1.51	1d	1	0.99mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,450	$1.59	18d	1	0.99mi
815 Bella Ln Saint Louis, MO	3.0	1.0	864	$1,275	$1.48	46d	1	1.02mi
960 Raford Ct St. Louis, MO	2.0	1.0	750	$950	$1.27	26d	1	1.04mi
345 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	1d	1	1.10mi
743 Shepley Dr Saint Louis, MO	3.0	1.0	932	$1,025	$1.10	10d	1	1.10mi
743 Shepley Dr Saint Louis, MO	3.0	1.0	932	$1,025	$1.10	1d	1	1.10mi
437 Lancashire Rd Saint Louis, MO	3.0	1.0	1082	$1,395	$1.29	46d	1	1.11mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	1d	1	1.13mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	14d	1	1.13mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,540	$1.80	46d	1	1.13mi
317 Cameron Rd Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	26d	1	1.13mi

Listing history 20 events

1. 2026-06-22
   days on market $74,900 Active 52 DOM
2. 2026-06-21
   days on market $74,900 Active 51 DOM
3. 2026-06-18
   days on market $74,900 Active 48 DOM
4. 2026-06-17
   days on market $74,900 Active 47 DOM
5. 2026-06-16
   days on market $74,900 Active 46 DOM
6. 2026-06-15
   days on market $74,900 Active 45 DOM
7. 2026-06-13
   days on market $74,900 Active 43 DOM
8. 2026-06-13
   days on market $74,900 Active 42 DOM
9. 2026-06-09
   days on market $74,900 Active 39 DOM
10. 2026-06-08
    days on market $74,900 Active 38 DOM
11. 2026-06-07
    days on market $74,900 Active 37 DOM
12. 2026-06-05
    days on market $74,900 Active 34 DOM
13. 2026-06-03
    days on market $74,900 Active 33 DOM
14. 2026-06-02
    days on market $74,900 Active 32 DOM
15. 2026-06-01
    days on market $74,900 Active 31 DOM
16. 2026-05-31
    days on market $74,900 Active 30 DOM
17. 2026-05-01
    listed $74,900 Active 769-char remark
18. 2022-10-04
    soldstatus $3,087,952
19. 2000-02-16
    soldstatus $69,900
20. 1991-04-30
    soldstatus $60,500

ⓘ 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: $1,405 · $117/mo
• Projected year-2 tax: $1,405 · $117/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 1/10 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 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,537
• − Mortgage interest: −$4,196
• − Property taxes: −$1,405
• − Insurance: −$374
• − Repairs & maintenance: −$1,163
• − Management: −$1,163
• − Depreciation: −$2,179
• Taxable income: $4,057
• Est. tax owed @ 24.0%: −$974
• After-tax cash flow: $4,018/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: Riverview Gardens
• NCES district ID: 2926670
• Math proficiency: 2% ▼ -6.00%
• Reading proficiency: 9% ▼ -6.00%
• Median HH income: $32,759
• Composite: 4.22/100
• National rank: #10058
• State rank: #324 of 324 in MO

Livability — Bellefontaine Neighbors

• Score: 58/100
• State rank: #592
• US rank: #20944

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellefontaine Neighbors, MO
• County: Saint Louis County · 888,823 people
• City population: 19,684
• Metro: St. Louis, MO-IL
• Population (ZIP): 19,684
• Household income: $43,422
• Rent vs Own: 52.2% rent · 47.8% own
• Severe rent burden: 1863.0

Population outlook (St. Louis County) Hauer SSP2

• Today (2025): 1,025,227 people
• By 2030: 1,028,023 · +0.3%
• By 2040: 1,020,940 · -0.4%
• By 2050: 1,007,280 · -1.8%
• By 2075: 987,277 · -3.7%
• By 2100: 921,984 · -10.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (82%)
• Race & ethnicity: Black 82% White 13% Two or more races 3%
• Common ancestry: Romanian 1% Lithuanian 1% Italian 1%
• Foreign-born: 1%

Political lean MEDSL · St. Louis

• 2024 margin: Strong D (+23.4) · D 60.8% · R 37.4% · Other 1.7%
• 2008→2024 swing: +3.5pp toward D · 2008: 19.9pp · 2024: 23.4pp
• All cycles: 2024: D+23.4 2020: D+24.0 2016: D+16.2 2012: D+13.7 2008: D+19.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -96.70%
• Current HPI: 130.6765
• Rent YoY: ▲ 6.59%
• 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

+23.8% since first listed

4 events — show timeline

• 2026-05-01 Listed $74,900 MARIS as Distributed by MLS Grid
• 2022-10-04 Sold (Public Records) $3,087,952 Public Records
• 2000-02-16 Sold (Public Records) $69,900 Public Records
• 1991-04-30 Sold (Public Records) $60,500 Public Records

Property tax history

+6.6%/yr

Latest (2022): $1,405 · +0.9% YoY. Source: county tax records.