4636 Saint Ferdinand Ave · St. Louis, MO 63113

$60,900

2 bd · 1.0 ba · 880 sqft · SingleFamily public records · 67 Days on market

Built 1908 3,898 sqft lot

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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 +3.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0

Listing remarks

Welcome to this fully brick bungalow located in the Greater Ville neighborhood. This property weathered last years storms and is ready for its next owner. Offering 2 bedrooms and 2 bathrooms, the home is suitable for an owner-occupant or a savvy investor seeking a quick turnaround. The seller is motivated and open to a fast closing. City approval for showings and entry has been granted. Buyer to obtain occupancy. Property is being sold as-is; please submit offers using a Special Sales Contract. New tenant with year long lease at $950.00 per month.

Key facts

• Fully brick bungalow
• 3,898 sq ft lot
• Built 1908

Tags

• FULLY BRICK BUNGALOW
• GREATER VILLE NEIGHBORHOOD

Property features AI

Finance

• Other: Private ownership
• Financial info: Lease not considered

Exterior

• Parking: Additional parking with alley access
• Utilities: Public water; Public sewer; Electric service (other)
• Home design: Single-family house; One level
• Construction: Brick construction; Full unfinished basement with 8+ ft pour, walk-up access and roughed-in bath
• Exterior features: Back yard; Front yard; City lot; Additional parking; Alley access

Interior

• Bedrooms: 2 bedrooms (both on the main level)
• Bathrooms: 2 full bathrooms (main level)
• Heating & cooling: Natural gas heat; Central air; Ceiling fan(s)
• Interior features: Ceiling fans; Central air conditioning; Natural gas heating

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $61k.

Deal economics

• At list price, monthly cash flow is $569 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $61k).
• Recommended offer: $57k (6.0% below list) — sets the bar for market timing.
• Cap rate 17.5% 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 B — 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: Sumner High (math 2% / reading 2%, grade F, #520 of 521 statewide, top 100%, 264 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; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-2.1%/yr); year-one equity from $421 of loan paydown is wiped out by about $1k 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 (-2.1% appreciation + 3.0% rent growth), your $17k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 67 days — a 6% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $19k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1908 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $57,246 (6.0% below list)

Questions for the listing agent

1. It's been on market 67 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1908 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.96% ✓
• Cap rate: 17.50%
• Cash-on-cash: 40.04%
• DSCR: 2.78
• GRM: 4.2

CMA / ARV

• ARV (on-the-fly): $37,840
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4650 Saint Louis Ave	0.26mi	2/1.0	902 (+2%)	10mo	$20,000	$22	75
4403 Cottage Ave	0.40mi	2/1.0	856 (-3%)	14mo	$25,000	$29	66
4783 Cupples Pl	0.26mi	1/1.0 (-1)	920 (+4%)	12mo	$13,500	$15	65
4621 Evans Ave	0.37mi	2/1.0	945 (+7%)	7mo	$45,000	$48	64
4669 Elmbank Ave	0.52mi	2/1.0	798 (-9%)	5mo	$40,000	$50	56
4784 Highland Ave	0.25mi	2/2.0	768 (-13%)	15mo	$40,000	$52	50
4551 Lexington Ave	0.67mi	2/1.0	812 (-8%)	10mo	$15,000	$18	47
4610 Lexington Ave	0.63mi	3/1.5 (+1)	945 (+7%)	8mo	$35,000	$37	45
3114 Clarence Ave	0.73mi	3/1.0 (+1)	925 (+5%)	10mo	$39,900	$43	44
2810 Norwood Ave	0.70mi	2/2.0	754 (-14%)	0mo	$45,000	$60	39
4309 W Maffitt Ave	0.58mi	3/1.0 (+1)	1,000 (+14%)	13mo	$45,000	$45	35
5124 Lotus Ave	0.74mi	3/1.0 (+1)	960 (+9%)	15mo	$30,000	$31	33

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

Projected returns pro-forma

-2.14% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 37.8%
• Equity multiple: 2.68×
• Total profit: $28,565
• Equity at exit: $11,428

10-year hold

• IRR: 43.3%
• Equity multiple: 5.31×
• Total profit: $73,446
• Equity at exit: $9,387

Cash invested: $17,052 (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 63113

• Home prices YoY: -2.0%
• Active inventory: 58
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,194 high
• Mortgage (P&I): −$319
• Tax from tax record: −$30 /mo · $359/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$251
• Net cashflow: $569

Break-even live

Break-even rent $474

Max offer price $60,900

Occupancy floor 47%

Sensitivity live

Price	-10% $603	-5% $586	+0% $569	+5% $552	+10% $534
Rent	-10% $475	-5% $522	+0% $569	+5% $616	+10% $663
Rate	-1.0pp $600	-0.5pp $584	base $569	+0.5pp $553	+1.0pp $537

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: $15,225
• Closing costs: $1,827
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4627 Maffitt Ave Saint Louis, MO	2.0	1.0	704	$795	$1.13	45d	1	0.26mi
1610 Kingshighway Blvd St. Louis, MO	1.0	1.0	525	$779	$1.48	3d	6	0.56mi
1232 N Euclid Ave Saint Louis, MO	3.0	1.5	982	$1,395	$1.42	45d	1	0.58mi
1708 Annie Malone Dr Saint Louis, MO	3.0	1.5	924	$1,500	$1.62	45d	1	0.77mi
763 Walton Ave Unit 763 St. Louis, MO	2.0	1.0	1100	$1,100	$1.00	45d	1	0.81mi
1324 Academy Ave Unit C St. Louis, MO	1.0	1.0	1000	$890	$0.89	45d	1	0.87mi
2603 Belle Glade Ave Saint Louis, MO	2.0	1.0	945	$800	$0.85	5d	1	0.90mi
4642 Farlin Ave Unit 1F St. Louis, MO	2.0	1.0	1056	$800	$0.76	45d	1	0.99mi
625 N Euclid Ave St. Louis, MO	2.0	1.0–2.0	984	$3,120	$3.17	3d	16	1.01mi
5203 Page Blvd Unit 5201 1st Floor St. Louis, MO	2.0	1.0	1000	$750	$0.75	15d	1	1.02mi
1420 Union Blvd Unit 2F St. Louis, MO	2.0	1.0	1096	$995	$0.91	45d	1	1.03mi
4466 Olive St Saint Louis, MO	1.0–2.0	1.0–2.5	1222	$2,495	$2.04	3d	7	1.09mi
2831 Abner Pl Unit 7 St. Louis, MO	2.0	1.0	968	$1,250	$1.29	25d	1	1.10mi
3516 Russell Blvd Saint Louis, MO	1.0	1.0	560	$875	$1.56	8d	1	1.12mi
1965 Arlington Ave Saint Louis, MO	3.0	1.0	980	$1,300	$1.33	5d	1	1.14mi
4160 Olive Blvd Motorworks Saint Louis, MO	1.0	1.0	555	$1,192	$2.15	11d	3	1.14mi
4961 McPherson Ave St. Louis, MO	1.0	1.0	950	$1,175	$1.24	45d	1	1.14mi
401 N Euclid Ave St. Louis, MO	3.0	1.0	1025	$1,615	$1.58	3d	4	1.16mi
4953 McPherson Ave Saint Louis, MO	1.0	1.0	1048	$1,325	$1.26	45d	1	1.16mi
4497 Lee Ave Saint Louis, MO	3.0	2.0	1012	$1,000	$0.99	17d	1	1.17mi
386 N Euclid Ave Saint Louis, MO	1.0	1.0	590	$1,495	$2.53	5d	1	1.19mi
368 N Taylor Ave Saint Louis, MO	1.0	1.0	525	$1,000	$1.90	5d	5	1.24mi
4497 Pershing Ave Saint Louis, MO	2.0	1.0	579	$1,399	$2.42	3d	7	1.27mi
4394 McPherson Ave Saint Louis, MO	2.0	1.0	850	$1,175	$1.38	45d	1	1.28mi
4493 Bessie Ave Saint Louis, MO	3.0	1.0	880	$1,250	$1.42	45d	1	1.29mi
4466 Greenwich Ct St. Louis, MO	2.0	1.0–2.0	750	$1,422	$1.90	4d	6	1.29mi
4140 Washington Blvd Saint Louis, MO	1.0	1.0	495	$1,010	$2.04	45d	6	1.30mi
4140 Washington Blvd Saint Louis, MO	1.0–2.0	1.0–2.5	907	$2,035	$2.24	3d	1	1.30mi
4362 McPherson Ave Saint Louis, MO	1.0	1.0	900	$1,095	$1.22	45d	1	1.30mi
462 Whittier St Apt 6 St. Louis, MO	1.0	1.0	598	$1,225	$2.05	21d	1	1.32mi
325-329 N Euclid Ave Unit 2819-B St. Louis, MO	1.0	1.0	700	$950	$1.36	19d	1	1.35mi
5345 Cabanne Ave Unit 5345 Cabanne 1S St. Louis, MO	2.0	1.0	800	$950	$1.19	45d	1	1.36mi
5345 Cabanne Ave Unit 5345 Cabanne 3N St. Louis, MO	1.0	1.0	630	$800	$1.27	45d	1	1.36mi
4515 Maryland Ave Saint Louis, MO	1.0	1.0	740	$1,265	$1.71	5d	4	1.37mi
4355 Maryland Ave Saint Louis, MO	2.0	1.0	701	$1,700	$2.43	4d	8	1.37mi
4355 Maryland Ave Saint Louis, MO	1.0	1.0	588	$1,200	$2.04	45d	4	1.37mi
7 Maryland Plz St. Louis, MO	1.0	1.0	513	$1,030	$2.01	45d	1	1.40mi
4847 Calvin Ave Saint Louis, MO	3.0	2.0	1000	$1,473	$1.47	3d	1	1.40mi
10 Maryland Plz St. Louis, MO	2.0	1.0	855	$1,800	$2.11	11d	2	1.42mi
2 Maryland Plz Saint Louis, MO	1.0–2.0	1.0–2.0	799	$1,820	$2.28	45d	4	1.42mi

Listing history 11 events

1. 2026-06-21
   days on market $60,900 Active 67 DOM
2. 2026-06-18
   days on market $60,900 Active 64 DOM
3. 2026-06-17
   days on market $60,900 Active 63 DOM
4. 2026-06-16
   days on market $60,900 Active 62 DOM
5. 2026-06-15
   days on market $60,900 Active 61 DOM
6. 2026-06-13
   days on market $60,900 Active 59 DOM
7. 2026-06-09
   days on market $60,900 Active 55 DOM
8. 2026-06-08
   days on market $60,900 Active 54 DOM
9. 2026-06-07
   days on market $60,900 Active 53 DOM
10. 2026-06-05
    remarks 553-char remark
11. 2026-06-05
    listed $60,900 Active 50 DOM

ⓘ 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: $359 · $30/mo
• Projected year-2 tax: $591 · $49/mo
• Expected delta: +$232/yr (+$19/mo · 64.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 74% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥107°F today · 20 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: $14,333
• − Mortgage interest: −$3,411
• − Property taxes: −$359
• − Insurance: −$304
• − Repairs & maintenance: −$1,147
• − Management: −$1,147
• − Depreciation: −$1,772
• Taxable income: $6,194
• Est. tax owed @ 24.0%: −$1,486
• After-tax cash flow: $5,341/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): 11,610

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 (91%)
• Race & ethnicity: Black 91% White 6% Two or more races 2% Hispanic / Latino 1%
• Foreign-born: 2% · Canada

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: ▼ -2.14%
• Current HPI: 107.1335
• 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

+2945.0% since first listed

10 events — show timeline

• 2026-06-04 Relisted — MARIS as Distributed by MLS Grid
• 2026-06-04 Price Changed $60,900 MARIS as Distributed by MLS Grid
• 2026-02-05 Listed $80,000 MARIS as Distributed by MLS Grid
• 2025-10-28 Price Changed $75,000 MARIS as Distributed by MLS Grid
• 2025-08-29 Listed $80,000 MARIS as Distributed by MLS Grid
• 2025-08-29 Coming Soon — MARIS as Distributed by MLS Grid
• 2023-02-07 Sold (Public Records) $72,000 Public Records
• 2023-02-06 Sold (Public Records) $43,000 Public Records
• 2015-12-24 Price Changed $59,900 MARIS as Distributed by MLS Grid
• 2014-07-02 Sold (Public Records) $2,000 Public Records

Property tax history

+7.6%/yr

Latest (2024): $359 · +4.7% YoY. Source: county tax records.