3743 Wright Ave · St. Ann, MO 63074

$127,000

2 bd · 1.0 ba · 917 sqft · SingleFamily public records · 30 Days on market

Built 1949 5,227 sqft lot Est $176k · 28% under

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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 +20.7/30.0
• ARV discount +15.0/15.0
• DSCR +6.6/10.0
• 1% rule +4.9/10.0
• Rent growth +3.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Property is being sold as is. Please do not disturb tenant. Text agent to set up showing. Inspections are for buyers knowledge only. Great 3 bedroom 1 bath rental in a great location. Tenant pays 1100.00 and would like to stay. Still has approx 8 months left on lease. There is room for rent increase as well. Most 3/1 in the area rent for 1300-1400/month.

Key facts

• Newly installed roof
• 30-year warranty
• 5,227 sq ft lot

Tags

• INVESTMENT OPPORTUNITY
• RITENOUR SCHOOL DISTRICT
• NEWLY INSTALLED ROOF
• 30-YEAR WARRANTY

Property features AI

Finance

• Other: Living area reported as 917 (assessor)

Exterior

• Utilities: Public water; Public sewer; Electric service by Ameren; Natural gas available; Phone available
• Home design: Single-family residence; One level
• Construction: Vinyl siding
• Exterior features: Back yard

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Forced air heating (natural gas); Central electric air conditioning
• Interior features: Six total rooms

🏷️ Possibly a rental listed for sale. The $127,000 price doesn't fit this home's estimated sale value (~$176,064) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $127k.

Deal economics

• At list price, monthly cash flow is $171 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $126k (1.2% below list).
• Recommended offer: $125k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 6.5% in St. Ann — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Ritenour (suburban): math 13% / reading 27% proficiency, ranked #304 of 324 in MO (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Kratz Elem. (math 9% / reading 25%, grade F, #967 of 1,115 statewide, top 88%, 538 students, 99% FRL); Ritenour Sr. High (math 9% / reading 36%, grade F, #455 of 521 statewide, top 88%, 1,873 students, 100% FRL) — zoned schools average 100% FRL vs 66% district-wide (34 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.1%/yr); 62 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 49% of comp listings sitting > 30 days — soft ceiling on asking rent; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $878 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 30 days — a 2% lower offer ($125k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y 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.
• Current owner paid $26k; list at $127k implies a 388% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $125,095 (1.5% below list)

Questions for the listing agent

1. Built in 1949 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 0.99% ✗
• Cap rate: 7.91%
• Cash-on-cash: 5.77%
• DSCR: 1.26
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $176,064
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10335 Saint Joan Ln	0.39mi	2/1.0	897 (-2%)	2mo	$174,900	$195	77
10019 Saint Martha Ln	0.16mi	3/1.0 (+1)	864 (-6%)	4mo	$188,000	$218	75
10346 Saint Henry Ln	0.45mi	2/1.0	864 (-6%)	1mo	$155,000	$179	68
3507 Westridge Ln	0.37mi	3/1.0 (+1)	864 (-6%)	1mo	$165,000	$191	67
10212 Saint Arthur Ln	0.22mi	2/1.0	784 (-14%)	3mo	$154,900	$198	63
4224 Ashby Rd	0.72mi	2/1.5	900 (-2%)	1mo	$172,500	$192	61
9724 Margo Ann Ln	0.52mi	2/1.0	816 (-11%)	2mo	$119,000	$146	56
3438 Ashby Rd	0.63mi	2/1.0	816 (-11%)	1mo	$159,900	$196	51
3520 Wismer Rd	0.49mi	3/1.0 (+1)	1,032 (+12%)	3mo	$189,900	$184	49
4426 Treadway Ln	0.63mi	3/1.0 (+1)	1,008 (+10%)	1mo	$114,900	$114	48
10512 Saint Francis Ln	0.74mi	2/1.0	792 (-14%)	1mo	$149,900	$189	42
10655 St Stephen Ln	0.71mi	3/1.0 (+1)	792 (-14%)	0mo	$175,000	$221	39

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 · 4.14% rent growth · sell at horizon

5-year hold

• IRR: -6.2%
• Equity multiple: 0.77×
• Total profit: $-8,242
• Equity at exit: $18,936

10-year hold

• IRR: 4.7%
• Equity multiple: 1.36×
• Total profit: $12,905
• Equity at exit: $10,981

Cash invested: $35,560 (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 63074

• Rents YoY: 4.1%
• Active inventory: 62
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,255 high
• Mortgage (P&I): −$666
• Tax from tax record: −$102 /mo · $1,219/yr
• Insurance: −$53
• HOA: −$0
• Vacancy / Maint / Mgmt: −$264
• Net cashflow: $171

Break-even live

Break-even rent $1,039

Max offer price $127,000

Occupancy floor 81%

Sensitivity live

Price	-10% $243	-5% $207	+0% $171	+5% $135	+10% $99
Rent	-10% $72	-5% $122	+0% $171	+5% $221	+10% $270
Rate	-1.0pp $235	-0.5pp $203	base $171	+0.5pp $138	+1.0pp $105

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: $31,750
• Closing costs: $3,810
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10069 Livingston Ave St Ann, MO	2.0	1.0	875	$1,100	$1.26	24d	1	0.18mi
3961 Jane Ave Unit 3963 St Ann, MO	2.0	1.0	750	$1,195	$1.59	15d	1	0.31mi
3529 Saint Joachim Ln Unit NA St Ann, MO	2.0	1.0	900	$1,450	$1.61	21d	1	0.34mi
3529 Saint Joachim Ln Saint Ann, MO	2.0	1.0	900	$1,450	$1.61	24d	1	0.35mi
9807 Guthrie Ave Saint Louis, MO	3.0	2.0	1068	$1,700	$1.59	24d	1	0.46mi
9675 Muriel Ave Unit 9733 Overland, MO	2.0	1.5	830	$1,200	$1.45	4d	1	0.51mi
9675 Muriel Ave Unit 9627 Overland, MO	2.0	1.5	830	$1,200	$1.45	44d	1	0.51mi
10214 Saint Anthony Ln Saint Ann, MO	2.0	1.0	734	$1,200	$1.63	44d	1	0.54mi
3434 Sims Ave Saint Ann, MO	3.0	1.5	988	$1,545	$1.56	44d	1	0.56mi
10116 Saint Katherine Ln Saint Ann, MO	3.0	1.0	984	$1,865	$1.90	18d	1	0.58mi
10145 Cabana Club Dr St Ann, MO	1.0–2.0	1.0–2.0	776	$1,060	$1.37	44d	8	0.62mi
4120 Geraldine Ave St Ann, MO	1.0	1.0	540	$875	$1.62	23d	1	0.63mi
4120 Geraldine Ave St Ann, MO	1.0	1.0	540	$875	$1.62	44d	1	0.63mi
4120 Geraldine Ave St Ann, MO	2.0	1.5	922	$1,200	$1.30	18d	1	0.63mi
10742 Tropic Dr Unit VACANT St Ann, MO	2.0	1.0	800	$1,200	$1.50	44d	1	0.77mi
3648 Edmundson Rd Unit 1 St. Louis, MO	2.0	1.0	900	$995	$1.11	44d	1	0.79mi
9448 Harold Dr Saint Louis, MO	2.0	1.0	864	$1,495	$1.73	44d	1	0.80mi
10788 Tropic Dr Saint Ann, MO	2.0	1.0	828	$1,260	$1.52	44d	1	0.85mi
10205 Saint Daniel Ln Saint Ann, MO	2.0	1.0	792	$1,450	$1.83	44d	1	0.92mi
4616 Country Ln St Ann, MO	2.0	1.0–2.0	758	$1,505	$1.99	3d	9	0.92mi
3219 Royalton Ave Saint Louis, MO	2.0	1.0	792	$1,095	$1.38	23d	1	0.92mi
11276 Liana Ln Saint Ann, MO	2.0	1.0	780	$1,189	$1.52	5d	1	0.94mi
3209 Royalton Ave Saint Louis, MO	2.0	1.0	805	$1,150	$1.43	44d	1	0.96mi
9310 Shirley Gardens Dr Apt C St. Louis, MO	2.0	1.0	800	$1,200	$1.50	44d	1	1.11mi
9310 Shirley Gardens Dr Apt B St. Louis, MO	2.0	1.0	800	$1,100	$1.38	44d	1	1.11mi
9618 De Porres Ln Saint Louis, MO	2.0	1.0	875	$1,200	$1.37	44d	1	1.11mi
3209 Dix Ave Saint Louis, MO	3.0	1.0	1122	$1,550	$1.38	24d	1	1.16mi
3208 Dix Ave Saint Louis, MO	2.0	1.0	656	$1,235	$1.88	11d	1	1.17mi
9183 Harold Dr Saint Louis, MO	3.0	1.0	912	$1,200	$1.32	44d	1	1.23mi
9535 Baltimore Ave Saint Louis, MO	2.0	1.0	800	$1,145	$1.43	24d	1	1.28mi
11042 Florence Ave Saint Ann, MO	3.0	1.0	864	$1,300	$1.50	13d	1	1.30mi
2732 Annapolis Ave Saint Louis, MO	2.0	1.0	768	$1,250	$1.63	44d	1	1.38mi
9429 Baltimore Ave Saint Louis, MO	2.0	1.0	900	$1,200	$1.33	24d	1	1.40mi
9987 Sloane Sq Apt A St. Louis, MO	1.0	1.0	571	$695	$1.22	21d	1	1.41mi
9987 Sloane Sq Unit 9987A St. Louis, MO	1.0	1.0	571	$695	$1.22	45d	1	1.41mi
3010 Woodson Rd Breckenridge Hills, MO	1.0	1.0	850	$895	$1.05	44d	1	1.43mi
9969 Sloane Sq Unit 9969C St. Louis, MO	2.0	1.0	761	$895	$1.18	5d	1	1.44mi

Listing history 26 events

1. 2026-06-21
   days on market $127,000 Active 30 DOM
2. 2026-06-18
   days on market $127,000 Active 27 DOM
3. 2026-06-17
   days on market $127,000 Active 26 DOM
4. 2026-06-16
   days on market $127,000 Active 25 DOM
5. 2026-06-15
   days on market $127,000 Active 24 DOM
6. 2026-06-13
   days on market $127,000 Active 22 DOM
7. 2026-06-09
   days on market $127,000 Active 18 DOM
8. 2026-06-08
   days on market $127,000 Active 17 DOM
9. 2026-06-07
   days on market $127,000 Active 16 DOM
10. 2026-06-03
    days on market $127,000 Active 12 DOM
11. 2026-06-02
    days on market $127,000 Active 11 DOM
12. 2026-06-01
    days on market $127,000 Active 10 DOM
13. 2026-05-31
    days on market $127,000 Active 9 DOM
14. 2026-05-22
    listed $127,000 Active
15. 2026-03-11
    status Pending
16. 2026-03-04
    status Active
17. 2026-02-24
    status Pending
18. 2026-02-06
    listed $127,000 Active
19. 2024-08-25
    historical $1,200
20. 2024-07-30
    listed $1,200
21. 2023-09-15
    soldstatus Closed 362-char remark

    Show marketing remark (362 chars)

    Property is being sold as is. Please do not disturb tenant. Text agent to set up showing. Inspections are for buyers knowledge only. Great 3 bedroom 1 bath rental in a great location. Tenant pays 1100.00 and would like to stay. Still has approx 8 months left on lease. There is room for rent increase as well. Most 3/1 in the area rent for 1300-1400/month.

22. 2023-07-19
    status Pending 362-char remark

    Show marketing remark (362 chars)

    Property is being sold as is. Please do not disturb tenant. Text agent to set up showing. Inspections are for buyers knowledge only. Great 3 bedroom 1 bath rental in a great location. Tenant pays 1100.00 and would like to stay. Still has approx 8 months left on lease. There is room for rent increase as well. Most 3/1 in the area rent for 1300-1400/month.

23. 2023-07-16
    listed $99,900 Active 362-char remark

    Show marketing remark (362 chars)

    Property is being sold as is. Please do not disturb tenant. Text agent to set up showing. Inspections are for buyers knowledge only. Great 3 bedroom 1 bath rental in a great location. Tenant pays 1100.00 and would like to stay. Still has approx 8 months left on lease. There is room for rent increase as well. Most 3/1 in the area rent for 1300-1400/month.

24. 2019-08-14
    soldstatus
25. 2019-02-01
    soldstatus $26,000
26. 1997-11-05
    soldstatus $37,900

ⓘ 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: $1,219 · $102/mo
• Projected year-2 tax: $1,232 · $103/mo
• Expected delta: +$13/yr (+$1/mo · 1.1%)

ⓘ 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 4/10 Moderate 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,062
• − Mortgage interest: −$7,114
• − Property taxes: −$1,219
• − Insurance: −$635
• − Repairs & maintenance: −$1,205
• − Management: −$1,205
• − Depreciation: −$3,695
• Taxable loss: −$10
• Est. tax savings @ 24.0%: +$2
• After-tax cash flow: $2,056/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: Ritenour
• NCES district ID: 2926640
• Math proficiency: 13% ▼ -14.00%
• Reading proficiency: 27% ▼ -7.00%
• Median HH income: $41,410
• Composite: 17.04/100
• National rank: #9125
• State rank: #304 of 324 in MO

Livability — St. Ann

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Ann, MO
• County: Saint Louis County · 888,823 people
• City population: 16,237
• Metro: St. Louis, MO-IL
• Population (ZIP): 15,793
• Household income: $51,610
• Rent vs Own: 46.6% rent · 53.4% own
• Severe rent burden: 782.0

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 50% Black 27% Hispanic / Latino 19% Two or more races 5% Asian 2%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Lithuanian 2% Italian 1% Romanian 1%
• Foreign-born: 13% · Canada, China
• Languages at home: 80% English-only · Spanish 17% Chinese 1% German/W. Germanic 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: ▼ -242.89%
• Current HPI: 210.6588
• Rent YoY: ▲ 4.14%
• 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

+235.1% since first listed

13 events — show timeline

• 2026-05-22 Listed $127,000 MARIS as Distributed by MLS Grid
• 2026-03-11 Pending — MARIS as Distributed by MLS Grid
• 2026-03-04 Relisted — MARIS as Distributed by MLS Grid
• 2026-02-24 Pending — MARIS as Distributed by MLS Grid
• 2026-02-06 Listed $127,000 MARIS as Distributed by MLS Grid
• 2024-08-25 Rental Removed $1,200 BUILDIUM
• 2024-07-30 Listed for Rent $1,200 BUILDIUM
• 2023-09-15 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2023-07-19 Pending — MARIS as Distributed by MLS Grid
• 2023-07-16 Listed $99,900 MARIS as Distributed by MLS Grid
• 2019-08-14 Sold (Public Records) — Public Records
• 2019-02-01 Sold (Public Records) $26,000 Public Records
• 1997-11-05 Sold (Public Records) $37,900 Public Records

Property tax history

+2.5%/yr

Latest (2022): $1,219 · +0.1% YoY. Source: county tax records.