621 Claymont Estates Dr · Chesterfield, MO 63017

$453,680

4 bd · 2.5 ba · 2,612 sqft · SingleFamily public records · 56 Days on market

Built 1967 0.75 ac lot $174/sqft · 23% below area Est $593k · 23% under $6/mo HOA

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Why this score? — see what drove the D 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).

• ARV discount +15.0/15.0
• Cash flow +7.4/30.0
• Schools +5.1/10.0
• Rent growth +3.9/5.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 621 Claymont Estates Dr in the sought-after Claymont Estates subdivision of Chesterfield, MO—a spacious 2-story home offering 4 bedrooms, 2 full bathrooms and 2 half-bathrooms with incredible potential! This classic residence features generous living areas including a formal living room, dining room, and a cozy family room with a brick fireplace, perfect for gatherings. The kitchen offers ample cabinet space and a bright breakfast area overlooking the yard. Upstairs, you’ll find well-sized bedrooms, while the finished walk-out basement provides additional living and entertaining space complete with a bar area, rec room, and a private sauna—an uncommon bonus that sets this home apart. Enjoy the convenience of a 2-car garage, mature landscaping, and a private setting. With solid bones and timeless character, this home is ready for your personal touch—ideal for buyers looking to update and build equity in a prime Chesterfield location! Open Houses: May 24th 1pm-3pm May 31st 1pm-3pm June 14th 1pm-3pm This home will be sold at public auction held with online bidding hosted on hibid.com, with an opening bid of $275k. Bidding is open now, auction will end at 2pm CST on June 15th - you can contact the listing agent for direct access to the online bidding for this home

Key facts

• 0.75 acre lot
• 2 garage spots
• Built 1967

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $454k.

Deal economics

• At list price, monthly cash flow is $-589 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $350k (22.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $305k (32.7% below list).
• Recommended offer: $305k (32.7% below list) — sets the bar for 1% rule.
• Cap rate 4.7% vs local median 2.9% in Chesterfield — 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 71/100 on livability (#110 in MO) — a middle-class / working-renter tenant base. Strengths: schools A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living D-.
• Parkway C-2 (suburban): math 49% / reading 62% proficiency, ranked #18 of 324 in MO (top 6%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 14% free/reduced lunch — higher-income household profile.
• Market conditions: Rents rising fast (+5.5%/yr); 227 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 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 $3k of loan paydown is wiped out by about $14k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 56 days — a 3% lower offer ($440k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $192k; list at $454k implies a 136% gain — meaningful room to come down on a strong offer.

Recommended offer $305,453 (32.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 56 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
3. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.67% ✗
• Cap rate: 4.74%
• Cash-on-cash: -5.56%
• DSCR: 0.75
• GRM: 12.4

CMA / ARV

• ARV (median comp): $592,531
• List price: $453,680
• Delta: -23.43%
• 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
435 Holly Terrace Ct	0.31mi	4/3.0	2,508 (-4%)	3mo	$549,000	$219	74
1685 Lochcrest Dr	0.45mi	4/3.0	2,636 (+1%)	10mo	$550,000	$209	67
502 Richley Dr	0.14mi	5/3.0 (+1)	2,929 (+12%)	4mo	$600,000	$205	63
15166 Chamisal Dr	0.56mi	4/2.5	2,781 (+6%)	1mo	$685,000	$246	62
94 Meadowbrook Country Club Est	0.49mi	4/2.5	2,868 (+10%)	2mo	$739,900	$258	59
15192 Isleview Dr	0.36mi	4/3.5	2,964 (+14%)	1mo	$590,000	$199	56
503 Richley Dr	0.17mi	3/2.0 (-1)	2,231 (-15%)	10mo	$578,000	$259	52
15464 Country Ridge Dr	0.75mi	4/2.0	2,688 (+3%)	8mo	$488,000	$182	52
15129 Chamisal Dr	0.63mi	5/3.0 (+1)	2,808 (+8%)	0mo	$695,000	$248	51
15371 Timber Hill Ln	0.67mi	4/2.5	2,398 (-8%)	6mo	$569,900	$238	50
463 Londondary Dr	0.50mi	4/3.0	2,336 (-11%)	9mo	$425,000	$182	50
406 Monticello Dr	0.61mi	4/2.0	2,378 (-9%)	7mo	$569,000	$239	49

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 · 5.52% rent growth · sell at horizon

5-year hold

• IRR: -23.2%
• Equity multiple: 0.19×
• Total profit: $-103,100
• Equity at exit: $67,645

10-year hold

• IRR: -12.6%
• Equity multiple: 0.18×
• Total profit: $-103,889
• Equity at exit: $39,226

Cash invested: $127,030 (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 63017

• Rents YoY: 5.5%
• Active inventory: 227
• Price-to-rent: 12.4×

Monthly cashflow live

• Estimated rent: $3,055 high
• Mortgage (P&I): −$2,379
• Tax from tax record: −$427 /mo · $5,130/yr
• Insurance: −$189
• HOA: −$6
• Vacancy / Maint / Mgmt: −$641
• Net cashflow: $-589

Break-even live

Break-even rent $3,800

Max offer price $349,701

Occupancy floor —

Sensitivity live

Price	-10% $-332	-5% $-460	+0% $-589	+5% $-717	+10% $-845
Rent	-10% $-830	-5% $-709	+0% $-589	+5% $-468	+10% $-347
Rate	-1.0pp $-360	-0.5pp $-473	base $-589	+0.5pp $-706	+1.0pp $-826

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: $113,420
• Closing costs: $13,610
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8 Parkrose Ct Unit NA Ballwin, MO	4.0	3.0	2210	$2,699	$1.22	2d	1	1.00mi
8 Parkrose Ct Ballwin, MO	4.0	3.0	2300	$2,780	$1.21	11d	1	1.00mi
974 Claytonbrook Dr Unit 2D Ballwin, MO	3.0	2.0	1768	$2,125	$1.20	2d	1	1.06mi
612 Log Hill Ct Ballwin, MO	4.0	2.5	2148	$3,500	$1.63	2d	1	1.15mi
2019 Cedarmill Dr Chesterfield, MO	4.0	2.5	2739	$3,995	$1.46	21d	1	1.18mi
15812 Cedarmill Dr Chesterfield, MO	4.0	3.5	3402	$4,195	$1.23	2d	1	1.34mi

HOA detail

• Monthly dues: $6 · $72/yr
• Likely covers: landscaping

Listing history 18 events

1. 2026-06-17
   remarks 687-char remark
2. 2026-06-16
   pricestatus $453,680 Pending 56 DOM
3. 2026-06-15
   days on market $280,000 Active 56 DOM
4. 2026-06-13
   days on market $280,000 Active 54 DOM
5. 2026-06-13
   days on market $280,000 Active 53 DOM
6. 2026-06-09
   days on market $280,000 Active 50 DOM
7. 2026-06-08
   days on market $280,000 Active 49 DOM
8. 2026-06-07
   days on market $280,000 Active 48 DOM
9. 2026-06-03
   days on market $280,000 Active 44 DOM
10. 2026-06-02
    days on market $280,000 Active 43 DOM
11. 2026-06-01
    days on market $280,000 Active 42 DOM
12. 2026-05-31
    days on market $280,000 Active 41 DOM
13. 2026-04-21
    listed $275,000 Active 1317-char remark

    Show marketing remark (1317 chars)

    Welcome to 621 Claymont Estates Dr in the sought-after Claymont Estates subdivision of Chesterfield, MO—a spacious 2-story home offering 4 bedrooms, 2 full bathrooms and 2 half-bathrooms with incredible potential! This classic residence features generous living areas including a formal living room, dining room, and a cozy family room with a brick fireplace, perfect for gatherings. The kitchen offers ample cabinet space and a bright breakfast area overlooking the yard. Upstairs, you’ll find well-sized bedrooms, while the finished walk-out basement provides additional living and entertaining space complete with a bar area, rec room, and a private sauna—an uncommon bonus that sets this home apart. Enjoy the convenience of a 2-car garage, mature landscaping, and a private setting. With solid bones and timeless character, this home is ready for your personal touch—ideal for buyers looking to update and build equity in a prime Chesterfield location! Open Houses: May 24th 1pm-3pm May 31st 1pm-3pm June 14th 1pm-3pm This home will be sold at public auction held with online bidding hosted on hibid.com, with an opening bid of $275k. Bidding is open now, auction will end at 2pm CST on June 15th - you can contact the listing agent for direct access to the online bidding for this home

14. 2026-04-11
    historical $275,000 1317-char remark

    Show marketing remark (1317 chars)

    Welcome to 621 Claymont Estates Dr in the sought-after Claymont Estates subdivision of Chesterfield, MO—a spacious 2-story home offering 4 bedrooms, 2 full bathrooms and 2 half-bathrooms with incredible potential! This classic residence features generous living areas including a formal living room, dining room, and a cozy family room with a brick fireplace, perfect for gatherings. The kitchen offers ample cabinet space and a bright breakfast area overlooking the yard. Upstairs, you’ll find well-sized bedrooms, while the finished walk-out basement provides additional living and entertaining space complete with a bar area, rec room, and a private sauna—an uncommon bonus that sets this home apart. Enjoy the convenience of a 2-car garage, mature landscaping, and a private setting. With solid bones and timeless character, this home is ready for your personal touch—ideal for buyers looking to update and build equity in a prime Chesterfield location! Open Houses: May 24th 1pm-3pm May 31st 1pm-3pm June 14th 1pm-3pm This home will be sold at public auction held with online bidding hosted on hibid.com, with an opening bid of $275k. Bidding is open now, auction will end at 2pm CST on June 15th - you can contact the listing agent for direct access to the online bidding for this home

15. 2007-11-15
    soldstatus
16. 1994-10-05
    soldstatus $192,000
17. 1993-09-17
    soldstatus $216,000
18. 1993-09-01
    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: $5,130 · $427/mo
• Projected year-2 tax: $5,130 · $427/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 4/10 Moderate 7 d/yr ≥106°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $36,654
• − Mortgage interest: −$25,413
• − Property taxes: −$5,130
• − Insurance: −$2,268
• − Repairs & maintenance: −$2,932
• − Management: −$2,932
• − HOA: −$72
• − Depreciation: −$13,198
• Taxable loss: −$15,292
• Est. tax savings @ 24.0%: +$3,670
• After-tax cash flow: $-3,393/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: Parkway C-2
• NCES district ID: 2923580
• Math proficiency: 49% ▼ -11.00%
• Reading proficiency: 62% ▼ -2.00%
• Median HH income: $83,551
• Composite: 50.5/100
• National rank: #1851
• State rank: #18 of 324 in MO

Livability — Chesterfield

• Score: 71/100
• State rank: #110
• US rank: #7054

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chesterfield, MO
• County: Saint Louis County · 888,823 people
• City population: 43,243
• Metro: St. Louis, MO-IL
• Population (ZIP): 43,243
• Household income: $127,095
• Rent vs Own: 24.1% rent · 75.9% own
• Severe rent burden: 1012.0

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 White (75%)
• Race & ethnicity: White 75% Asian 13% Two or more races 7% Black 4% Hispanic / Latino 3%
• Common ancestry: Scotch-Irish 3% Romanian 3% Slovak 3%
• Foreign-born: 16% · China, Canada, South Korea
• Languages at home: 84% English-only · Other Indo-European 5% Other Asian/Pacific 4% Chinese 2%

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: ▼ -230.79%
• Current HPI: 218.3938
• Rent YoY: ▲ 5.52%
• 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

+27.3% since first listed

6 events — show timeline

• 2026-04-21 Listed $275,000 MARIS as Distributed by MLS Grid
• 2026-04-11 Coming Soon $275,000 MARIS as Distributed by MLS Grid
• 2007-11-15 Sold (Public Records) — Public Records
• 1994-10-05 Sold (Public Records) $192,000 Public Records
• 1993-09-17 Sold (Public Records) $216,000 Public Records
• 1993-09-01 Sold (Public Records) — Public Records

Property tax history

+2.4%/yr

Latest (2022): $5,130 · +0.6% YoY. Source: county tax records.