5511 Wilborn Dr · Jennings, MO 63136

$140,000

3 bd · 2.0 ba · 1,300 sqft · SingleFamily public records · 16 Days on market

Built 1956 9,600 sqft lot

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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 +18.7/30.0
• ARV discount +7.5/15.0
• Appreciation +6.9/10.0
• DSCR +5.9/10.0
• 1% rule +4.3/10.0
• Rent growth +3.7/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Schools +1.1/10.0

Listing remarks MLS

NEW PRICE!!! This will NOT last long... set up showing today! Spacious ranch with 3 bedrooms and 1 bath. Large yard and good sized driveway for additional parking. Interior features seperate dining and large living room, full basement just waiting to be finished. Property is ready to be whipped back into shape, needs some TLC but a great project for your investor or a buyer looking for a project. REGISTER AND SHOW!!!

Key facts

• Open floor plan
• Fully updated
• Bonus room

Tags

• FULLY UPDATED
• LARGE BRICK RANCH
• OPEN FLOOR PLAN
• BONUS ROOM
• NEW ROOF
• NEW HOT WATER HEATER

Property features AI

Finance

• Financial info: Lease not considered

Exterior

• Utilities: Public water; Public sewer; Electric service: Other
• Home design: Single-family residence; One level
• Construction: Brick construction
• Exterior features: Lot approximately 0.22 acre; Lot features: Other

Interior

• Kitchen: Electric cooktop; Electric oven
• Bedrooms: 3 bedrooms on the main level
• Bathrooms: 2 full bathrooms (one on main level, one in lower level)
• Heating & cooling: Electric forced-air heating; Central air conditioning
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $139 ($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 $130k (7.2% below list).
• Recommended offer: $130k (7.2% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 12.2% in Jennings — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 67/100 on livability (#208 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, commute A-, housing A-; Watch: crime F, amenities F, employment F.
• Jennings (suburban): math 8% / reading 20% proficiency, ranked #315 of 324 in MO (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 86% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Woodland Elem. (math 5% / reading 15%, grade F, #1,027 of 1,115 statewide, top 93%, 256 students, 100% FRL); Jennings High (math 8% / reading 17%, grade F, #497 of 521 statewide, top 96%, 691 students, 100% FRL).
• 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 25d 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 38% 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 $6k of equity ($968 loan paydown + $5k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $39k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($138k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y 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 1956 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $129,897 (7.2% below list)

Questions for the listing agent

1. Built in 1956 — 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 0.93% ✗
• Cap rate: 7.49%
• Cash-on-cash: 4.27%
• DSCR: 1.19
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $66,300
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5468 Janet Ave	0.23mi	3/2.0	1,188 (-9%)	5mo	$79,000	$66	70
5657 Janet Ave	0.34mi	4/2.0 (+1)	1,200 (-8%)	3mo	$60,000	$50	64
7056 Idlewild Ave	0.52mi	3/1.0	1,234 (-5%)	4mo	$59,900	$49	60
6100 Garesche Ave	0.42mi	3/2.5	1,456 (+12%)	2mo	$52,000	$36	57
5637 Jennings Station Rd	0.37mi	3/1.0	1,116 (-14%)	2mo	$30,000	$27	54
5714 Park Ln	0.55mi	2/1.0 (-1)	1,374 (+6%)	3mo	$70,000	$51	53
7138 Garesche Ave	0.58mi	3/1.0	1,220 (-6%)	6mo	$99,750	$82	53
5730 Park Ln	0.57mi	4/1.0 (+1)	1,174 (-10%)	1mo	$105,000	$89	47
5950 N Pointe Blvd	0.69mi	3/1.0	1,215 (-6%)	7mo	$90,000	$74	47
7126 Theodore Ave	0.62mi	3/1.0	1,123 (-14%)	2mo	$34,900	$31	42
1810 Switzer Ave	0.75mi	4/1.5 (+1)	1,159 (-11%)	4mo	$15,000	$13	36
7212 Eunice Ave	0.71mi	4/1.0 (+1)	1,134 (-13%)	2mo	$64,900	$57	35

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

5-year hold

• IRR: 14.5%
• Equity multiple: 1.87×
• Total profit: $34,280
• Equity at exit: $69,270

10-year hold

• IRR: 16.6%
• Equity multiple: 3.72×
• Total profit: $106,620
• Equity at exit: $111,953

Cash invested: $39,200 (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 63136

• Home prices YoY: 0.9%
• Rents YoY: 5.0%
• Active inventory: 372
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,299 high
• Mortgage (P&I): −$734
• Tax from tax record: −$94 /mo · $1,131/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $139

Break-even live

Break-even rent $1,123

Max offer price $140,000

Occupancy floor 84%

Sensitivity live

Price	-10% $219	-5% $179	+0% $139	+5% $100	+10% $60
Rent	-10% $37	-5% $88	+0% $139	+5% $191	+10% $242
Rate	-1.0pp $210	-0.5pp $175	base $139	+0.5pp $103	+1.0pp $66

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5515 Wilborn Dr Saint Louis, MO	3.0	1.0	1248	$1,400	$1.12	44d	1	0.02mi
5612 Hodiamont Ave Saint Louis, MO	3.0	1.5	1200	$1,150	$0.96	11d	1	0.13mi
5654 Acme Ave Saint Louis, MO	2.0	1.0	968	$325	$0.34	22d	1	0.22mi
5664 Hamilton Ave Saint Louis, MO	2.0	2.0	1700	$1,600	$0.94	44d	1	0.23mi
5721 Floy Ave Saint Louis, MO	2.0	1.0	1032	$1,120	$1.09	24d	1	0.29mi
5741 Floy Ave Saint Louis, MO	2.0	1.0	1000	$1,100	$1.10	24d	1	0.31mi
5361 Wilborn Dr Saint Louis, MO	3.0	1.0	900	$1,420	$1.58	18d	1	0.31mi
5637 Jennings Station Rd Saint Louis, MO	3.0	1.0	1116	$895	$0.80	44d	1	0.34mi
5756 Floy Ave Saint Louis, MO	2.0	1.0	1080	$995	$0.92	44d	1	0.35mi
5347 Janet Ave Saint Louis, MO	4.0	1.0	893	$1,350	$1.51	17d	1	0.38mi
7121 Garesche Ave Saint Louis, MO	3.0	1.0	1156	$1,200	$1.04	44d	1	0.51mi
5932 Floy Ave Saint Louis, MO	3.0	1.0	1080	$1,373	$1.27	21d	1	0.52mi
7120 Greenhaven Dr Saint Louis, MO	3.0	2.0	1131	$1,050	$0.93	24d	1	0.53mi
6150 Sherry Ave Saint Louis, MO	2.0	1.0	1032	$896	$0.87	24d	1	0.53mi
5955 Floy Ave Saint Louis, MO	2.0	1.0	1032	$1,050	$1.02	3d	1	0.54mi
7131 Garesche Ave Saint Louis, MO	2.0	1.0	918	$1,090	$1.19	4d	1	0.55mi
5944 Thekla Ave Saint Louis, MO	2.0	1.0	1760	$975	$0.55	44d	1	0.56mi
5516 Fairridge Ct Saint Louis, MO	2.0	1.0	1110	$995	$0.90	24d	1	0.56mi
5931 Emma Ave Saint Louis, MO	2.0	1.0	880	$1,200	$1.36	44d	1	0.57mi
5730 Park Ln Saint Louis, MO	4.0	1.0	1174	$1,600	$1.36	21d	1	0.57mi
8502 Dianthus Ln Saint Louis, MO	2.0	1.0	1072	$1,175	$1.10	24d	1	0.59mi
5936 Theodore Ave Saint Louis, MO	3.0	2.0	1008	$1,350	$1.34	44d	1	0.59mi
8527 Dianthus Ln Saint Louis, MO	3.0	1.0	976	$1,295	$1.33	44d	1	0.65mi
7218 Albright Ave Saint Louis, MO	2.0	1.0	1100	$980	$0.89	24d	1	0.67mi
1942 Damato Ct Saint Louis, MO	2.0	1.0	905	$1,100	$1.22	44d	1	0.72mi
7315 Albright Ave Saint Louis, MO	3.0	1.0	888	$1,150	$1.30	44d	1	0.76mi
2022 McLaran Ave Saint Louis, MO	3.0	2.0	1181	$1,593	$1.35	15d	1	0.76mi
5225 Fletcher St Saint Louis, MO	3.0	2.0	918	$1,295	$1.41	24d	1	0.79mi
5640 Sapphire Ave Saint Louis, MO	2.0	1.0	900	$1,100	$1.22	44d	1	0.81mi
8548 Drury Ln Saint Louis, MO	3.0	2.0	1107	$1,420	$1.28	44d	1	0.88mi
2427 Switzer Ave Saint Louis, MO	3.0	1.0	1008	$1,300	$1.29	44d	1	0.99mi
2415 Shirley Ave Saint Louis, MO	3.0	1.0	990	$1,450	$1.46	24d	1	1.00mi
7426 Calvin Ave Saint Louis, MO	2.0	1.0	1100	$1,125	$1.02	18d	1	1.03mi
4914 Plover Ave Saint Louis, MO	3.0	2.0	1248	$925	$0.74	24d	1	1.05mi
2527 Switzer Ave Saint Louis, MO	3.0	1.0	888	$1,135	$1.28	17d	1	1.05mi
7420 Pleaseway Dr Saint Louis, MO	2.0	1.0	952	$1,250	$1.31	22d	1	1.05mi
8720 Akins Dr Saint Louis, MO	2.0	1.0	1012	$1,150	$1.14	24d	1	1.06mi
2546 Main St Saint Louis, MO	4.0	1.0	984	$1,269	$1.29	44d	1	1.06mi
7441 Calvin Ave Saint Louis, MO	3.0	1.0	1068	$1,350	$1.26	13d	1	1.07mi
8817 Shady Grove Ave Saint Louis, MO	2.0	1.0	1085	$1,075	$0.99	24d	1	1.07mi

Listing history 13 events

1. 2026-06-15
   statusdays on market $140,000 Pending 16 DOM
2. 2026-06-13
   days on market $140,000 Active 15 DOM
3. 2026-06-09
   days on market $140,000 Active 11 DOM
4. 2026-06-08
   days on market $140,000 Active 10 DOM
5. 2026-06-07
   days on market $140,000 Active 9 DOM
6. 2026-06-03
   days on market $140,000 Active 5 DOM
7. 2026-06-02
   days on market $140,000 Active 4 DOM
8. 2026-06-01
   days on market $140,000 Active 3 DOM
9. 2026-05-31
   days on market $140,000 Active 2 DOM
10. 2026-05-29
    listed $140,000 Active
11. 2012-12-31
    soldstatus 423-char remark

    Show marketing remark (423 chars)

    NEW PRICE!!! This will NOT last long... set up showing today! Spacious ranch with 3 bedrooms and 1 bath. Large yard and good sized driveway for additional parking. Interior features seperate dining and large living room, full basement just waiting to be finished. Property is ready to be whipped back into shape, needs some TLC but a great project for your investor or a buyer looking for a project. REGISTER AND SHOW!!!

12. 2012-09-20
    listed $5,795 423-char remark

    Show marketing remark (423 chars)

    NEW PRICE!!! This will NOT last long... set up showing today! Spacious ranch with 3 bedrooms and 1 bath. Large yard and good sized driveway for additional parking. Interior features seperate dining and large living room, full basement just waiting to be finished. Property is ready to be whipped back into shape, needs some TLC but a great project for your investor or a buyer looking for a project. REGISTER AND SHOW!!!

13. 1979-02-01
    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: $1,131 · $94/mo
• Projected year-2 tax: $1,358 · $113/mo
• Expected delta: +$227/yr (+$19/mo · 20.0%)

ⓘ 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 ≥107°F today · 19 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: $15,588
• − Mortgage interest: −$7,842
• − Property taxes: −$1,131
• − Insurance: −$700
• − Repairs & maintenance: −$1,247
• − Management: −$1,247
• − Depreciation: −$4,073
• Taxable loss: −$653
• Est. tax savings @ 24.0%: +$157
• After-tax cash flow: $1,829/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: Jennings
• NCES district ID: 2916290
• Math proficiency: 8% ▼ -16.00%
• Reading proficiency: 20% ▼ -4.00%
• Median HH income: $30,595
• Composite: 11.04/100
• National rank: #9739
• State rank: #315 of 324 in MO

Livability — Jennings

• Score: 67/100
• State rank: #208
• US rank: #10499

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jennings, MO
• County: Saint Louis County · 888,823 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 40,929
• Household income: $41,154
• Rent vs Own: 53.1% rent · 46.9% 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
▸Utilities	1	$9B

Price history

+2315.9% since first listed

4 events — show timeline

• 2026-05-29 Listed $140,000 MARIS as Distributed by MLS Grid
• 2012-12-31 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2012-09-20 Listed $5,795 MARIS as Distributed by MLS Grid
• 1979-02-01 Sold (Public Records) — Public Records

Property tax history

-3.9%/yr

Latest (2022): $1,131 · +1.5% YoY. Source: county tax records.