10436 Durness Dr · Glasgow Village, MO 63137

$110,000

3 bd · 1.0 ba · 932 sqft · SingleFamily public records · 45 Days on market

Built 1957 6,120 sqft lot $118/sqft · 37% above area Est $81k · 37% over

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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 +29.6/30.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• Rent growth +4.1/5.0
• Livability +2.8/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Property to be sold AS-IS. Seller to do no repairs or inspections to the property including governmental inspections. Here is your chance to own a cute little grandma house on a nice, quiet street. The home appears to be healthy and is in need of just cosmetic updates. The roof will probably need to be replaced. Not sure what the age of the furnace or ac is but both are working and have been serviced in the past. There is some pvc plumbing in the house and the electric box will need to be updated. There are beautiful hardwood floors throughout. This would make a good fix and flip or cash flowing investment property to add to your portfolio. Make sure to bring your contractor when viewing. Schedule a showing through ShowingTime.

Key facts

• Newer kitchen floor
• Updated electricity
• New roof

Tags

• REFINISHED WOODEN FLOORS
• UPDATED ELECTRICITY
• NEWER KITCHEN FLOOR
• NEW ROOF

Property features AI

Finance

• Other: Living area reported as 932 (public records)
• Financial info: Lease not considered; No second mortgage indicated

Exterior

• Parking: Attached garage (no detached garage)
• Utilities: Public water; Public sewer; Electricity connected (Ameren); Natural gas connected; Water available; Sewer connected
• Home design: Single-family residence; Updated/remodeled; One story; House structure type; Basement present
• Construction: Concrete construction; Shingle roof; Concrete perimeter foundation; Basement with concrete pour and 8+ ft ceilings, includes storage space
• Exterior features: Back yard; Chain-link fencing; Shed(s); Concrete road surface and city street frontage

Interior

• Kitchen: Range; Range hood; Dishwasher; Laminate counters
• Bedrooms: 3 bedrooms (all on the main level)
• Flooring: Vinyl; Wood
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Natural gas heating; Central air conditioning; Gas-powered cooling
• Interior features: Ceiling fans; Laminate countertops; Family room on main level
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry sink; Laundry located in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $397 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $107k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 55/100 on livability (#756 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime F, amenities F, commute 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: Glasgow Elem. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 269 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); 201 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 39% 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 $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $31k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 45 days — a 3% lower offer ($107k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 2y 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: built in 1957 — 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 $106,700 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 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 1957 — 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: 1.28% ✓
• Cap rate: 10.62%
• Cash-on-cash: 15.46%
• DSCR: 1.69
• GRM: 6.5

CMA / ARV

• ARV (median comp): $80,564
• List price: $110,000
• Delta: 36.54%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10519 Renfrew Dr	0.12mi	3/1.5	982 (+5%)	2mo	$95,000	$97	82
321 Caithness Rd	0.30mi	3/1.0	902 (-3%)	3mo	$47,700	$53	78
10555 Gourock Dr	0.29mi	3/2.0	918 (-2%)	3mo	$120,000	$131	78
10539 Renfrew Dr	0.17mi	3/1.0	854 (-8%)	2mo	$119,900	$140	77
363 Shepley Dr	0.25mi	3/1.0	854 (-8%)	3mo	$110,000	$129	72
10301 Renfrew Dr	0.29mi	3/1.0	844 (-9%)	3mo	$110,000	$130	68
338 Lancashire Rd	0.19mi	3/1.0	1,063 (+14%)	0mo	$99,000	$93	67
161 Cameron Rd	0.51mi	3/1.0	984 (+6%)	1mo	$105,000	$107	66
10300 Ross Cir	0.55mi	3/1.0	980 (+5%)	1mo	$105,000	$107	65
10066 Dorothy Ave	0.57mi	2/1.0 (-1)	916 (-2%)	1mo	$99,900	$109	64
240 Shepley Dr	0.43mi	3/1.0	854 (-8%)	3mo	$55,000	$64	64
237 Ben Nevis Rd	0.66mi	3/1.0	873 (-6%)	1mo	$89,000	$102	58

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: 10.1%
• Equity multiple: 1.41×
• Total profit: $12,723
• Equity at exit: $16,401

10-year hold

• IRR: 21.9%
• Equity multiple: 3.17×
• Total profit: $66,920
• Equity at exit: $9,511

Cash invested: $30,800 (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 63137

• Rents YoY: 6.6%
• Active inventory: 201
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,410 high
• Mortgage (P&I): −$577
• Tax from tax record: −$94 /mo · $1,133/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $397

Break-even live

Break-even rent $908

Max offer price $110,000

Occupancy floor 67%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
437 Lancashire Rd Saint Louis, MO	3.0	1.0	1082	$1,395	$1.29	43d	1	0.08mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,350	$1.21	10d	1	0.12mi
457 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	23d	1	0.14mi
10519 Renfrew Dr Saint Louis, MO	3.0	1.5	982	$1,399	$1.42	43d	1	0.15mi
10524 Durness Dr Saint Louis, MO	3.0	1.0	1000	$1,250	$1.25	43d	1	0.17mi
10401 Hobkirk Dr Saint Louis, MO	3.0	1.0	1050	$1,500	$1.43	17d	1	0.19mi
10327 Renfrew Dr Saint Louis, MO	3.0	1.0	844	$1,199	$1.42	43d	1	0.19mi
10309 Galloway Dr Saint Louis, MO	3.0	1.0	892	$1,295	$1.45	12d	1	0.20mi
743 Shepley Dr Saint Louis, MO	3.0	1.0	932	$1,025	$1.10	7d	1	0.22mi
312 Banff Cir Saint Louis, MO	3.0	1.0	854	$1,175	$1.38	23d	1	0.22mi
10213 Durness Dr Saint Louis, MO	2.0	1.0	932	$1,225	$1.31	43d	1	0.23mi
409 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,095	$1.28	4d	1	0.24mi
329 Midlothian Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	2d	1	0.24mi
416 Crawford Rd Saint Louis, MO	3.0	1.0	844	$1,499	$1.78	23d	1	0.26mi
10518 Gretna Cir Saint Louis, MO	3.0	1.0	1082	$1,450	$1.34	23d	1	0.26mi
305 Lancashire Rd Saint Louis, MO	3.0	1.0	854	$1,100	$1.29	17d	1	0.26mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	11d	1	0.27mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,540	$1.80	43d	1	0.27mi
10527 Prestwick Dr Saint Louis, MO	3.0	2.0	854	$1,395	$1.63	7d	1	0.30mi
10432 Balmoral Dr Saint Louis, MO	4.0	1.0	826	$1,600	$1.94	1d	1	0.32mi
317 Cameron Rd Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	23d	1	0.34mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,350	$1.50	43d	1	0.34mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,325	$1.47	23d	1	0.34mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	43d	1	0.34mi
251 Midlothian Rd Saint Louis, MO	3.0	1.0	1058	$1,499	$1.42	43d	1	0.34mi
323 Shepley Dr Saint Louis, MO	3.0	1.0	850	$1,175	$1.38	1d	1	0.34mi
10421 Gardo Ct Saint Louis, MO	3.0	2.0	1000	$1,395	$1.40	14d	1	0.38mi
10063 Northgate Dr Saint Louis, MO	2.0	1.0	1054	$1,200	$1.14	43d	1	0.39mi
232 Cameron Rd Saint Louis, MO	3.0	1.0	984	$1,295	$1.32	12d	1	0.40mi
204 Tay Rd Saint Louis, MO	4.0	1.5	854	$1,500	$1.76	17d	1	0.40mi
10617 Dunkeld Cir Saint Louis, MO	3.0	1.0	873	$1,299	$1.49	43d	1	0.41mi
10617 Dunkeld Cir Saint Louis, MO	3.0	1.0	873	$1,299	$1.49	7d	1	0.41mi
10019 Northgate Dr Saint Louis, MO	3.0	1.0	991	$1,150	$1.16	21d	1	0.48mi
10650 Dunkeld Cir Saint Louis, MO	3.0	1.0	854	$1,250	$1.46	7d	1	0.48mi
255 Chambers Rd St. Louis, MO	2.0	1.0	700	$850	$1.21	43d	1	0.48mi
815 Bella Ln Saint Louis, MO	3.0	1.0	864	$1,275	$1.48	43d	1	0.54mi
10066 Dorothy Ave Saint Louis, MO	2.0	1.0	916	$1,225	$1.34	21d	1	0.55mi
241 Grampian Rd Saint Louis, MO	3.0	1.0	837	$1,250	$1.49	43d	1	0.57mi
237 Grampian Rd Saint Louis, MO	3.0	1.0	873	$1,499	$1.72	43d	1	0.58mi
157 Perthshire Rd Saint Louis, MO	3.0	1.0	873	$1,850	$2.12	43d	1	0.60mi

Listing history 28 events

1. 2026-06-18
   days on market $110,000 Active 45 DOM
2. 2026-06-17
   days on market $110,000 Active 44 DOM
3. 2026-06-16
   days on market $110,000 Active 43 DOM
4. 2026-06-15
   days on market $110,000 Active 42 DOM
5. 2026-06-13
   days on market $110,000 Active 40 DOM
6. 2026-06-13
   days on market $110,000 Active 39 DOM
7. 2026-06-09
   days on market $110,000 Active 36 DOM
8. 2026-06-08
   days on market $110,000 Active 35 DOM
9. 2026-06-07
   days on market $110,000 Active 34 DOM
10. 2026-06-05
    days on market $110,000 Active 31 DOM
11. 2026-06-03
    days on market $110,000 Active 30 DOM
12. 2026-06-02
    days on market $110,000 Active 29 DOM
13. 2026-06-01
    days on market $110,000 Active 28 DOM
14. 2026-05-31
    days on market $110,000 Active 27 DOM
15. 2026-05-04
    listed $110,000 Active 522-char remark
16. 2026-05-04
    historical $110,000 522-char remark
17. 2025-07-04
    historical $1,199
18. 2025-03-20
    listed $1,199
19. 2025-03-20
    historical $1,199
20. 2025-03-03
    listed $1,199
21. 2025-03-03
    historical $1,199
22. 2025-01-30
    price $1,199
23. 2024-12-21
    listed $1,250
24. 2024-12-21
    historical $1,250
25. 2024-12-11
    listed $1,250
26. 2024-06-11
    soldstatus Closed 737-char remark

    Show marketing remark (737 chars)

    Property to be sold AS-IS. Seller to do no repairs or inspections to the property including governmental inspections. Here is your chance to own a cute little grandma house on a nice, quiet street. The home appears to be healthy and is in need of just cosmetic updates. The roof will probably need to be replaced. Not sure what the age of the furnace or ac is but both are working and have been serviced in the past. There is some pvc plumbing in the house and the electric box will need to be updated. There are beautiful hardwood floors throughout. This would make a good fix and flip or cash flowing investment property to add to your portfolio. Make sure to bring your contractor when viewing. Schedule a showing through ShowingTime.

27. 2024-05-04
    status Pending 737-char remark

    Show marketing remark (737 chars)

    Property to be sold AS-IS. Seller to do no repairs or inspections to the property including governmental inspections. Here is your chance to own a cute little grandma house on a nice, quiet street. The home appears to be healthy and is in need of just cosmetic updates. The roof will probably need to be replaced. Not sure what the age of the furnace or ac is but both are working and have been serviced in the past. There is some pvc plumbing in the house and the electric box will need to be updated. There are beautiful hardwood floors throughout. This would make a good fix and flip or cash flowing investment property to add to your portfolio. Make sure to bring your contractor when viewing. Schedule a showing through ShowingTime.

28. 2024-04-30
    listed $79,900 Active 737-char remark

    Show marketing remark (737 chars)

    Property to be sold AS-IS. Seller to do no repairs or inspections to the property including governmental inspections. Here is your chance to own a cute little grandma house on a nice, quiet street. The home appears to be healthy and is in need of just cosmetic updates. The roof will probably need to be replaced. Not sure what the age of the furnace or ac is but both are working and have been serviced in the past. There is some pvc plumbing in the house and the electric box will need to be updated. There are beautiful hardwood floors throughout. This would make a good fix and flip or cash flowing investment property to add to your portfolio. Make sure to bring your contractor when viewing. Schedule a showing through ShowingTime.

ⓘ 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: $1,133 · $94/mo
• Projected year-2 tax: $1,133 · $94/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 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,921
• − Mortgage interest: −$6,162
• − Property taxes: −$1,133
• − Insurance: −$550
• − Repairs & maintenance: −$1,354
• − Management: −$1,354
• − Depreciation: −$3,200
• Taxable income: $3,169
• Est. tax owed @ 24.0%: −$761
• After-tax cash flow: $4,002/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 — Glasgow Village

• Score: 55/100
• State rank: #756
• US rank: #23451

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Glasgow Village, 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

+37.7% since first listed

14 events — show timeline

• 2026-05-04 Listed $110,000 MARIS as Distributed by MLS Grid
• 2026-05-04 Coming Soon $110,000 MARIS as Distributed by MLS Grid
• 2025-07-04 Rental Removed $1,199 PROPERTYWARE
• 2025-03-20 Listed for Rent $1,199 PROPERTYWARE
• 2025-03-20 Rental Removed $1,199 RentEngineListings
• 2025-03-03 Listed for Rent $1,199 RentEngineListings
• 2025-03-03 Rental Removed $1,199 APPFOLIO
• 2025-01-30 Price Changed $1,199 APPFOLIO
• 2024-12-21 Listed for Rent $1,250 APPFOLIO
• 2024-12-21 Rental Removed $1,250 PROPERTYWARE
• 2024-12-11 Listed for Rent $1,250 PROPERTYWARE
• 2024-06-11 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-05-04 Pending — MARIS as Distributed by MLS Grid
• 2024-04-30 Listed $79,900 MARIS as Distributed by MLS Grid

Property tax history

+2.2%/yr

Latest (2022): $1,133 · +1.0% YoY. Source: county tax records.