10021 Baron Dr · Castle Point, MO
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $1,054 – $1,958
Heat risk 5/10 · Moderate
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
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
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- ARV discount +7.5/15.0
- Appreciation +6.9/10.0
- Rent growth +3.7/5.0
- Livability +3.2/5.0
- Condition / age +2.5/5.0
- Schools +0.4/10.0
$30,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
**Package Deal – 63136 Investment Opportunity** Six single-family homes being sold as a package for **$399,000** in the 63136 zip code: 10423 Royal Dr, 10117 Royal Dr, 10429 Earl, 10149 Count Dr, 10308 Lord Dr, and 10021 Baron. All properties are **vacant** and offer strong value-add potential for investors. **Sold as-is. Package sale only.**
Key facts
- 6,551 sq ft lot
- Garage
- Built 1950
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath single-family listed at $30k.
Deal economics
- At list price, monthly cash flow is $694 ($8k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $30k).
- Recommended offer: $27k (9.0% below list) — sets the bar for market timing.
- Cap rate 34.0% vs local median 13.0% in Castle Point — 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 64/100 on livability (#313 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime B; Watch: schools 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.
- Market conditions: Rents rising fast (+5.0%/yr); 372 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); lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
- This rent runs 34% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $1k of equity ($207 loan paydown + $1k appreciation (3.8% local appreciation)).
- At projected returns (3.8% appreciation + 5.0% rent growth), your $8k cash investment doubles in ~1 year — after that, you're playing with house money.
Negotiation context
- It's been on market 116 days — a 9% lower offer ($27k) is reasonable based on typical stale-listing flexibility.
- Current owner paid $20k; list at $30k implies a 50% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1950 — 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.
Questions for the listing agent
- It's been on market 116 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 3.91% ✓
- Cap rate
- 34.05%
- Cash-on-cash
- 99.12%
- DSCR
- 5.41
- GRM
- 2.1
CMA / ARV
- ARV (median comp)
- $75,245
- List price
- $30,000
- Delta
- -60.13%
- 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 |
|---|---|---|---|---|---|---|---|
| 10429 Earl Dr | 0.64mi | 2/1.0 | 770 (-1%) | 1mo | $35,000 | $45 | 67 |
| 10040 Lord Dr | 0.16mi | 2/1.0 | 672 (-14%) | 4mo | $10,000 | $15 | 66 |
| 10348 Earl Dr | 0.56mi | 3/1.0 (+1) | 770 (-1%) | 4mo | $35,000 | $45 | 64 |
| 2042 Kappel Dr | 0.61mi | 2/1.0 | 828 (+6%) | 1mo | $49,900 | $60 | 61 |
| 10117 Royal Dr | 0.34mi | 3/1.0 (+1) | 864 (+11%) | 1mo | $35,000 | $41 | 61 |
| 10236 Monarch Dr | 0.36mi | 3/1.5 (+1) | 850 (+9%) | 1mo | $35,000 | $41 | 61 |
| 10117 Duke Dr | 0.29mi | 3/1.0 (+1) | 864 (+11%) | 4mo | $119,900 | $139 | 60 |
| 9840 Green Valley Dr | 0.75mi | 2/1.0 | 816 (+5%) | 2mo | $83,000 | $102 | 56 |
| 10365 Lord Dr | 0.54mi | 3/1.0 (+1) | 864 (+11%) | 4mo | $87,000 | $101 | 49 |
| 10360 Baron Dr | 0.52mi | 3/— (+1) | 888 (+14%) | 6mo | $44,900 | $51 | 42 |
| 10501 Baron Dr | 0.69mi | 3/1.0 (+1) | 888 (+14%) | 2mo | $99,000 | $111 | 38 |
| 10512 Count Dr | 0.72mi | 3/1.0 (+1) | 888 (+14%) | 4mo | $105,000 | $118 | 34 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
3.79% appreciation · 4.97% rent growth · sell at horizon
- IRR
- —
- Equity multiple
- 7.13×
- Total profit
- $51,476
- Equity at exit
- $14,844
- IRR
- —
- Equity multiple
- 15.71×
- Total profit
- $123,597
- Equity at exit
- $23,990
Cash invested: $8,400 (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
ZIP-level market 63136
- Home prices YoY
- 0.9%
- Rents YoY
- 5.0%
- Active inventory
- 372
- Price-to-rent
- 2.1×
Monthly cashflow live
- Estimated rent
- $1,172 high interval (Pro) →
- Mortgage (P&I)
- −$157
- Tax from tax record
- −$62 /mo · $743/yr
- Insurance
- −$12
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$246
- Net cashflow
- $694
Break-even live
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
- $7,500
- Closing costs
- $900
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2326 Chambers Rd Saint Louis, MO | 2.0 | 1.0 | 1056 | $1,050 | $0.99 | 23d | 1 | 0.12mi |
| 10113 Count Dr Saint Louis, MO | 2.0 | 1.0 | 882 | $775 | $0.88 | 43d | 1 | 0.13mi |
| 10112 Count Dr Saint Louis, MO | 2.0 | 1.0 | 792 | $1,000 | $1.26 | 7d | 1 | 0.15mi |
| 2321 Noll Dr Saint Louis, MO | 3.0 | 1.0 | 975 | $1,320 | $1.35 | 23d | 1 | 0.23mi |
| 10113 Duke Dr Saint Louis, MO | 3.0 | 1.0 | 770 | $1,325 | $1.72 | 43d | 1 | 0.26mi |
| 10139 Royal Dr Saint Louis, MO | 2.0 | 1.0 | 1016 | $900 | $0.89 | 43d | 1 | 0.33mi |
| 10322 Monarch Dr Saint Louis, MO | 3.0 | 2.0 | 1073 | $1,728 | $1.61 | 23d | 1 | 0.44mi |
| 9744 Lanier Dr Saint Louis, MO | 3.0 | 1.0 | 1014 | $1,345 | $1.33 | 43d | 1 | 0.48mi |
| 10365 Lord Dr Saint Louis, MO | 3.0 | 1.0 | 864 | $1,075 | $1.24 | 1d | 1 | 0.51mi |
| 10129 Cavalier Ct Saint Louis, MO | 3.0 | 1.5 | 912 | $1,250 | $1.37 | 23d | 1 | 0.53mi |
| 10409 Count Dr Saint Louis, MO | 3.0 | 1.0 | 912 | $1,100 | $1.21 | 21d | 1 | 0.54mi |
| 10404 Earl Dr Saint Louis, MO | 2.0 | 1.0 | 770 | $1,100 | $1.43 | 3d | 1 | 0.57mi |
| 9723 Portage Dr Saint Louis, MO | 3.0 | 1.0 | 1014 | $1,450 | $1.43 | 7d | 1 | 0.62mi |
| 10128 Cloverdale Dr Saint Louis, MO | 2.0 | 1.0 | 792 | $1,000 | $1.26 | 43d | 1 | 0.66mi |
| 10128 Cloverdale Dr Saint Louis, MO | 2.0 | 1.0 | 792 | $1,000 | $1.26 | 23d | 1 | 0.66mi |
| 10421 Prince Dr Saint Louis, MO | 3.0 | 2.0 | 1023 | $1,275 | $1.25 | 23d | 1 | 0.66mi |
| 10504 Baron Dr Saint Louis, MO | 3.0 | 1.0 | 1000 | $1,300 | $1.30 | 7d | 1 | 0.67mi |
| 10512 Count Dr Saint Louis, MO | 3.0 | 1.0 | 888 | $1,195 | $1.35 | 14d | 1 | 0.69mi |
| 10078 Green Valley Dr Saint Louis, MO | 3.0 | 1.0 | 900 | $1,325 | $1.47 | 7d | 1 | 0.70mi |
| 2152 Nemnich Rd Saint Louis, MO | 2.0 | 1.5 | 1030 | $1,100 | $1.07 | 43d | 1 | 0.72mi |
| 2008 Kappel Dr Saint Louis, MO | 3.0 | 1.0 | 858 | $1,175 | $1.37 | 23d | 1 | 0.73mi |
| 1520 Attica Dr Saint Louis, MO | 2.0 | 1.0 | 1062 | $1,200 | $1.13 | 23d | 1 | 0.75mi |
| 10124 Winkler Dr Saint Louis, MO | 2.0 | 1.0 | 792 | $1,400 | $1.77 | 2d | 1 | 0.77mi |
| 13061 Lord Dr St. Louis, MO | 2.0 | 1.0 | 900 | $1,040 | $1.16 | 21d | 1 | 0.80mi |
| 9827 Winkler Dr Saint Louis, MO | 3.0 | 1.0 | 864 | $1,450 | $1.68 | 7d | 1 | 0.86mi |
| 9823 Winkler Dr Saint Louis, MO | 2.0 | 1.0 | 788 | $900 | $1.14 | 43d | 1 | 0.86mi |
| 10239 Green Valley Dr Saint Louis, MO | 3.0 | 1.0 | 1014 | $1,395 | $1.38 | 23d | 1 | 0.87mi |
| 10557 Castle Dr Saint Louis, MO | 3.0 | 2.0 | 1023 | $1,300 | $1.27 | 14d | 1 | 0.88mi |
| 9709 Balboa Dr Saint Louis, MO | 3.0 | 1.0 | 1000 | $1,600 | $1.60 | 43d | 1 | 0.97mi |
| 1255 Bosworth Dr Saint Louis, MO | 3.0 | 1.0 | 1071 | $1,575 | $1.47 | 10d | 1 | 0.99mi |
| 1253 Avant Dr Saint Louis, MO | 2.0 | 1.0 | 795 | $1,295 | $1.63 | 14d | 1 | 1.12mi |
| 1253 Avant Dr Saint Louis, MO | 2.0 | 1.0 | 795 | $1,295 | $1.63 | 17d | 1 | 1.12mi |
| 1733 Kappel Ave Saint Louis, MO | 3.0 | 1.0 | 912 | $1,250 | $1.37 | 23d | 1 | 1.19mi |
| 1130 Forest Home Dr Saint Louis, MO | 3.0 | 1.0 | 1025 | $1,275 | $1.24 | 43d | 1 | 1.22mi |
| 10200 Tappan Dr Saint Louis, MO | 3.0 | 1.0 | 912 | $1,450 | $1.59 | 16d | 1 | 1.23mi |
| 2257 Luxmore Dr Saint Louis, MO | 3.0 | 3.0 | 1073 | $1,495 | $1.39 | 23d | 1 | 1.23mi |
| 1230 Roxton Dr Saint Louis, MO | 3.0 | 1.0 | 912 | $1,400 | $1.54 | 21d | 1 | 1.26mi |
| 9840 Medford Dr Saint Louis, MO | 3.0 | 1.0 | 912 | $1,095 | $1.20 | 43d | 1 | 1.26mi |
| 9839 Medford Dr Saint Louis, MO | 3.0 | 1.0 | 912 | $1,095 | $1.20 | 43d | 1 | 1.29mi |
| 9868 Lorna Ln Saint Louis, MO | 3.0 | 1.0 | 1032 | $1,175 | $1.14 | 43d | 1 | 1.31mi |
Listing history 22 events
-
2026-06-18days on market $30,000 Active 116 DOM
-
2026-06-17days on market $30,000 Active 115 DOM
-
2026-06-16days on market $30,000 Active 114 DOM
-
2026-06-15days on market $30,000 Active 113 DOM
-
2026-06-13days on market $30,000 Active 111 DOM
-
2026-06-13days on market $30,000 Active 110 DOM
-
2026-06-09days on market $30,000 Active 107 DOM
-
2026-06-08days on market $30,000 Active 106 DOM
-
2026-06-07days on market $30,000 Active 105 DOM
-
2026-06-05pricedays on market $30,000 Active 102 DOM
-
2026-06-03days on market $35,000 Active 101 DOM
-
2026-06-02days on market $35,000 Active 100 DOM
-
2026-06-01days on market $35,000 Active 99 DOM
-
2026-05-31days on market $35,000 Active 98 DOM
-
2026-04-17price $35,000 353-char remark
Show marketing remark (353 chars)
**Package Deal – 63136 Investment Opportunity** Six single-family homes being sold as a package for **$399,000** in the 63136 zip code: 10423 Royal Dr, 10117 Royal Dr, 10429 Earl, 10149 Count Dr, 10308 Lord Dr, and 10021 Baron. All properties are **vacant** and offer strong value-add potential for investors. **Sold as-is. Package sale only.**
-
2026-02-22$39,000 Active 353-char remark
Show marketing remark (353 chars)
**Package Deal – 63136 Investment Opportunity** Six single-family homes being sold as a package for **$399,000** in the 63136 zip code: 10423 Royal Dr, 10117 Royal Dr, 10429 Earl, 10149 Count Dr, 10308 Lord Dr, and 10021 Baron. All properties are **vacant** and offer strong value-add potential for investors. **Sold as-is. Package sale only.**
-
2018-03-19soldstatus $20,000
-
2017-12-11soldstatus $11,000
-
1999-08-04soldstatus $36,500
-
1999-08-04soldstatus $36,500
-
1995-12-29soldstatus $6,200
-
1995-11-27soldstatus
ⓘ 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
- $743 · $62/mo
- Projected year-2 tax
- $743 · $62/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 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $14,059
- − Mortgage interest
- −$1,680
- − Property taxes
- −$743
- − Insurance
- −$150
- − Repairs & maintenance
- −$1,125
- − Management
- −$1,125
- − Depreciation
- −$873
- Taxable income
- $8,363
- Est. tax owed @ 24.0%
- −$2,007
- After-tax cash flow
- $6,318/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 — Castle Point
- Score
- 64/100
- State rank
- #313
- US rank
- #14373
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Castle Point, MO
- County
- Saint Louis County · 888,823 people
- Metro
- St. Louis, MO-IL
- Population (ZIP)
- 40,929
- Household income
- $41,154
- Rent vs Own
- Severe rent burden
- 3085.0
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 (90%)
- Race & ethnicity
- Black 90% White 5% Two or more races 3%
- Foreign-born
- 1% · Canada
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
- ▲ 3.79%
- Current HPI
- 420.28
- Rent YoY
- ▲ 4.97%
- 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 |
|
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| Utilities | 1 | $9B |
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Price history
+464.5% since first listed8 events — show timeline
- 2026-04-17 Price Changed $35,000 MARIS as Distributed by MLS Grid
- 2026-02-22 Listed $39,000 MARIS as Distributed by MLS Grid
- 2018-03-19 Sold (Public Records) $20,000 Public Records
- 2017-12-11 Sold (Public Records) $11,000 Public Records
- 1999-08-04 Sold (Public Records) $36,500 Public Records
- 1999-08-04 Sold (Public Records) $36,500 Public Records
- 1995-12-29 Sold (Public Records) $6,200 Public Records
- 1995-11-27 Sold (Public Records) — Public Records
Property tax history
+6.3%/yrLatest (2022): $743 · +0.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…