2027 Destrehan St · St. Louis, MO 63107

$104,900

3 bd · 1.0 ba · 1,272 sqft · SingleFamily public records · 49 Days on market

Built 1893 2,613 sqft lot $82/sqft · 24% above area Est $96k · 9% 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 +24.4/30.0
• DSCR +7.9/10.0
• 1% rule +6.3/10.0
• Appreciation +4.1/10.0
• ARV discount +3.2/15.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0

Listing remarks

This move in ready, completely rehabbed, 3 bedroom home in the heart Hyde Park neighborhood is a must see. Just minutes from the new NGA West campus, this property is positioned perfectly for growth and opportunity. Inside, you'll find newer systems throughout, including electrical panel, wiring, and fixtures, HVAC system with ductwork and condenser unit, and hot water heater. All electric! Main floor laundry! Shingle portions of the roof have all been replaced. This home is perfect for an investor looking for a turnkey, rent-ready property or a first-time homebuyer. Enjoy easy access to downtown St. Louis, major highways, and local favorites like Crown Candy Kitchen. With the convenience o

Key facts

• New nga west campus
• Main floor laundry
• Local favorites

Tags

• HYDE PARK NEIGHBORHOOD
• NEW NGA WEST CAMPUS
• NEWER SYSTEMS
• MAIN FLOOR LAUNDRY
• LOCAL FAVORITES

Property features AI

Exterior

• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single family residence (residential); Updated / remodeled condition; One and one-half levels; Vinyl siding exterior
• Construction: Vinyl siding construction
• Exterior features: Balcony; Rectangular lot

Interior

• Kitchen: Kitchen with eat-in area
• Bedrooms: Three bedrooms total — one on the main level, one on the upper level, and one on the lower level; Upper bedroom approx. 13 x 17; Main bedroom approx. 14 x 15; Lower bedroom approx. 12 x 13
• Flooring: Carpet
• Bathrooms: One full bathroom (upper level)
• Heating & cooling: Electric heating with forced air; Central air conditioning (electric)
• Interior features: Eat-in kitchen; Kitchen/dining room combo; Smoke detector(s); Full finished basement
• Laundry & utility: Main level laundry; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $213 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $102k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.7% vs local median 5.0% in St. Louis — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• St. Louis City (urban): math 10% / reading 18% proficiency, ranked #312 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Bryan Hill Elem. (math 5% / reading 5%, grade F, #1,072 of 1,115 statewide, top 98%, 182 students, 98% FRL); Beaumont Cte High School (math 5% / reading 5%, grade F, #517 of 521 statewide, top 100%, 236 students, 99% FRL) — zoned schools average 99% FRL vs 80% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 58 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-1.8%/yr); year-one equity from $725 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-1.8% appreciation + 3.0% rent growth), your $29k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 49 days — a 3% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y ago; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $11k; list at $105k implies a 862% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1893 — 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 $101,753 (3.0% below list)

Questions for the listing agent

1. It's been on market 49 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 1893 — 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. 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.
5. 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.
6. 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: 1.13% ✓
• Cap rate: 8.73%
• Cash-on-cash: 8.71%
• DSCR: 1.39
• GRM: 7.4

CMA / ARV

• ARV (median comp): $95,802
• List price: $104,900
• Delta: 9.50%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2239 University St	0.39mi	3/1.5	1,116 (-12%)	10mo	$79,900	$72	51
1522 Mallinckrodt St	0.16mi	3/2.5	1,100 (-14%)	22mo	$179,900	$164	46
1524 Mallinckrodt St	0.16mi	3/2.5	1,100 (-14%)	22mo	$179,900	$164	46
4151 Pleasant St	0.69mi	4/1.0 (+1)	1,148 (-10%)	20mo	$104,900	$91	30

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

Projected returns pro-forma

-1.75% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.8%
• Equity multiple: 1.07×
• Total profit: $2,188
• Equity at exit: $21,587

10-year hold

• IRR: 9.4%
• Equity multiple: 1.83×
• Total profit: $24,513
• Equity at exit: $19,620

Cash invested: $29,372 (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 63107

• Home prices YoY: -1.9%
• Active inventory: 58
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,188 high
• Mortgage (P&I): −$550
• Tax est. 1.5%: −$131 /mo · $1,574/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$249
• Net cashflow: $213

Break-even live

Break-even rent $918

Max offer price $104,900

Occupancy floor 77%

Sensitivity live

Price	-10% $286	-5% $249	+0% $213	+5% $177	+10% $141
Rent	-10% $119	-5% $166	+0% $213	+5% $260	+10% $307
Rate	-1.0pp $266	-0.5pp $240	base $213	+0.5pp $186	+1.0pp $158

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: $26,225
• Closing costs: $3,147
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2239 University St Saint Louis, MO	3.0	1.5	1116	$1,295	$1.16	12d	1	0.37mi
2207 Angelica St Unit 1 St. Louis, MO	2.0	1.0	1734	$1,350	$0.78	44d	1	0.51mi
2046 Obear Ave Unit A St. Louis, MO	3.0	1.5	1456	$1,070	$0.73	44d	1	0.95mi
2002 Obear Ave St. Louis, MO	2.0	1.5	1024	$970	$0.95	5d	1	0.96mi
4202 Gano Ave Saint Louis, MO	3.0	1.0	1650	$1,168	$0.71	24d	1	0.97mi
1906 Obear Ave #1 St. Louis, MO	2.0	1.5	1024	$970	$0.95	22d	1	0.98mi

Listing history 31 events

1. 2026-06-18
   days on market $104,900 Active 49 DOM
2. 2026-06-17
   days on market $104,900 Active 48 DOM
3. 2026-06-16
   days on market $104,900 Active 47 DOM
4. 2026-06-15
   days on market $104,900 Active 46 DOM
5. 2026-06-13
   days on market $104,900 Active 44 DOM
6. 2026-06-09
   pricedays on market $104,900 Active 40 DOM
7. 2026-06-08
   days on market $114,900 Active 39 DOM
8. 2026-06-07
   days on market $114,900 Active 38 DOM
9. 2026-06-05
   days on market $114,900 Active 35 DOM
10. 2026-06-03
    days on market $114,900 Active 34 DOM
11. 2026-06-02
    days on market $114,900 Active 33 DOM
12. 2026-06-01
    days on market $114,900 Active 32 DOM
13. 2026-05-31
    days on market $114,900 Active 31 DOM
14. 2026-04-30
    listed $114,900 Active 870-char remark
15. 2025-03-01
    historical
16. 2025-02-18
    price $124,900
17. 2024-12-26
    listed $135,000 Active
18. 2023-10-01
    historical
19. 2023-08-30
    listed $12,999 Active
20. 2023-08-26
    historical
21. 2023-06-09
    price $16,500
22. 2023-05-17
    price $16,900
23. 2023-05-02
    listed $17,900 Active
24. 2023-04-19
    soldstatus $10,900
25. 2023-04-14
    soldstatus Closed
26. 2023-04-01
    status Pending
27. 2023-03-30
    listed $10,900 Active
28. 2022-09-23
    price $10,900
29. 2022-05-19
    price $14,900
30. 2008-03-06
    soldstatus $4,400
31. 1990-05-01
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥108°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: $14,250
• − Mortgage interest: −$5,876
• − Property taxes: −$1,574
• − Insurance: −$524
• − Repairs & maintenance: −$1,140
• − Management: −$1,140
• − Depreciation: −$3,052
• Taxable income: $945
• Est. tax owed @ 24.0%: −$227
• After-tax cash flow: $2,332/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: St. Louis City
• NCES district ID: 2929280
• Math proficiency: 10% ▼ -6.00%
• Reading proficiency: 18% ▼ -3.00%
• Median HH income: $35,685
• Composite: 11.54/100
• National rank: #9699
• State rank: #312 of 324 in MO

Livability — St. Louis

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

Census & demographics

• Census place: St. Louis, MO
• City population: 283,259
• Population (ZIP): 9,082

Population outlook (St. Louis County) Hauer SSP2

• Today (2025): 315,737 people
• By 2030: 313,865 · -0.6%
• By 2040: 305,439 · -3.3%
• By 2050: 296,529 · -6.1%
• By 2075: 271,028 · -14.2%
• By 2100: 255,359 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (89%)
• Race & ethnicity: Black 89% White 8% Hispanic / Latino 2% Two or more races 2%
• Common ancestry: Lithuanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · St. Louis

• 2024 margin: Solid D (+64.7) · D 81.4% · R 16.7% · Other 2.0%
• 2008→2024 swing: -3.5pp toward R · 2008: 68.2pp · 2024: 64.7pp
• All cycles: 2024: D+64.7 2020: D+66.2 2016: D+63.7 2012: D+66.6 2008: D+68.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.75%
• Current HPI: 92.7423
• 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

+2284.1% since first listed

19 events — show timeline

• 2026-06-08 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2026-04-30 Listed $114,900 MARIS as Distributed by MLS Grid
• 2025-03-01 Delisted — MARIS as Distributed by MLS Grid
• 2025-02-18 Price Changed $124,900 MARIS as Distributed by MLS Grid
• 2024-12-26 Listed $135,000 MARIS as Distributed by MLS Grid
• 2023-10-01 Delisted — MARIS as Distributed by MLS Grid
• 2023-08-30 Listed $12,999 MARIS as Distributed by MLS Grid
• 2023-08-26 Delisted — MARIS as Distributed by MLS Grid
• 2023-06-09 Price Changed $16,500 MARIS as Distributed by MLS Grid
• 2023-05-17 Price Changed $16,900 MARIS as Distributed by MLS Grid
• 2023-05-02 Listed $17,900 MARIS as Distributed by MLS Grid
• 2023-04-19 Sold (Public Records) $10,900 Public Records
• 2023-04-14 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2023-04-01 Pending — MARIS as Distributed by MLS Grid
• 2023-03-30 Listed $10,900 MARIS as Distributed by MLS Grid
• 2022-09-23 Price Changed $10,900 MARIS as Distributed by MLS Grid
• 2022-05-19 Price Changed $14,900 MARIS as Distributed by MLS Grid
• 2008-03-06 Sold (Public Records) $4,400 Public Records
• 1990-05-01 Sold (Public Records) — Public Records

Property tax history

+0.1%/yr

Latest (2024): $122 · +3.9% YoY. Source: county tax records.