9926 Cambria Dr · Moline Acres, MO 63136

$119,900

3 bd · 1.0 ba · 1,054 sqft · SingleFamily public records · 110 Days on market

Built 1954 7,440 sqft lot $114/sqft · 6% below area Est $128k · 6% under

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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 +24.5/30.0
• ARV discount +10.2/15.0
• DSCR +7.9/10.0
• Appreciation +6.9/10.0
• 1% rule +6.3/10.0
• Rent growth +3.7/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0

Listing remarks MLS

Welcome home to this inviting 3-bedroom, 1-bath ranch offering comfort, functionality, and timeless appeal. Features include beautiful hardwood floors, a kitchen with custom cabinetry, and the convenience of a one-car garage. The single-level layout provides easy, comfortable living with efficient flow throughout the home. The full basement provides valuable additional space for storage, hobbies, or a recreation area. Well-laid-out home with classic ranch character, and warmth.

Key facts

• Custom cabinetry
• Full basement
• Hardwood floors

Tags

• HARDWOOD FLOORS
• CUSTOM CABINETRY
• FULL BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $246 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $109k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#480 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-; Watch: health & safety C-, employment D, schools 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); 376 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 39% 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 $5k of equity ($829 loan paydown + $5k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $34k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 110 days — a 9% lower offer ($109k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $20k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $69k; list at $120k implies a 73% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1954 — 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 $109,109 (9.0% below list)

Questions for the listing agent

1. It's been on market 110 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1954 — 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. 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?
6. 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?
7. 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.
8. 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.
9. 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: 8.76%
• Cash-on-cash: 8.81%
• DSCR: 1.39
• GRM: 7.4

CMA / ARV

• ARV (median comp): $127,693
• List price: $119,900
• Delta: -6.10%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2442 Gardner Dr	0.10mi	3/2.0	1,054 (0%)	2mo	$59,900	$57	90
9939 Duke Dr	0.27mi	3/1.0	1,040 (-1%)	3mo	$102,000	$98	83
9742 Wendell Dr	0.28mi	3/1.0	1,014 (-4%)	2mo	$69,900	$69	78
9828 Omega Dr	0.23mi	3/1.0	988 (-6%)	1mo	$100,000	$101	78
9984 Duke Dr	0.28mi	3/1.0	960 (-9%)	1mo	$54,000	$56	71
9850 Monarch Dr	0.47mi	3/2.0	1,014 (-4%)	2mo	$99,900	$99	66
2225 Kerwin Dr	0.46mi	3/1.0	1,135 (+8%)	2mo	$135,900	$120	65
1232 Forest Home Dr	0.46mi	3/1.0	975 (-8%)	3mo	$114,900	$118	64
2360 Chambers Rd	0.35mi	2/1.0 (-1)	1,168 (+11%)	1mo	$44,900	$38	60
10127 Monarch Dr	0.69mi	3/1.5	1,015 (-4%)	1mo	$155,000	$153	59
10139 Edgefield Dr	0.75mi	3/2.0	1,140 (+8%)	0mo	$119,900	$105	47
10128 Ashbrook Dr	0.66mi	3/1.0	912 (-14%)	1mo	$130,000	$143	46

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: 18.8%
• Equity multiple: 2.13×
• Total profit: $37,976
• Equity at exit: $59,325

10-year hold

• IRR: 20.5%
• Equity multiple: 4.32×
• Total profit: $111,472
• Equity at exit: $95,880

Cash invested: $33,572 (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: 376
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,352 high
• Mortgage (P&I): −$629
• Tax from tax record: −$143 /mo · $1,711/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $246

Break-even live

Break-even rent $1,040

Max offer price $119,900

Occupancy floor 77%

Sensitivity live

Price	-10% $314	-5% $280	+0% $246	+5% $213	+10% $179
Rent	-10% $140	-5% $193	+0% $246	+5% $300	+10% $353
Rate	-1.0pp $307	-0.5pp $277	base $246	+0.5pp $215	+1.0pp $184

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9908 Norbridge Ln Saint Louis, MO	2.0	2.0	1240	$1,650	$1.33	20d	1	0.16mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	9d	1	0.31mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	45d	1	0.35mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	25d	1	0.39mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	25d	1	0.45mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	45d	1	0.47mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	45d	1	0.49mi
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	12d	1	0.55mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	9d	1	0.57mi
1520 Attica Dr Saint Louis, MO	2.0	1.0	1062	$1,200	$1.13	25d	1	0.58mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	45d	1	0.59mi
2257 Chambers Rd Saint Louis, MO	3.0	1.0	1200	$1,400	$1.17	25d	1	0.59mi
1130 Forest Home Dr Saint Louis, MO	3.0	1.0	1025	$1,275	$1.24	45d	1	0.66mi
2155 Hecht Ave St. Louis, MO	1.0–2.0	1.0	673	$1,162	$1.73	0d	23	0.77mi
2152 Nemnich Rd Saint Louis, MO	2.0	1.5	1030	$1,100	$1.07	45d	1	0.80mi
10348 Earl Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	0d	1	0.82mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,450	$1.59	17d	1	0.85mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,375	$1.51	0d	1	0.85mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	25d	1	0.85mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	5d	1	0.86mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	3d	1	0.86mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	25d	1	0.88mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	16d	1	0.90mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	19d	1	0.90mi
10441 Prince Dr Saint Louis, MO	4.0	1.5	1380	$1,380	$1.00	45d	1	0.90mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	23d	1	0.92mi
10501 Duke Dr Saint Louis, MO	2.0	1.0	1140	$1,090	$0.96	45d	1	0.97mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	16d	1	1.05mi
1230 Roxton Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	23d	1	1.05mi
1115 Bakewell Dr Saint Louis, MO	3.0	1.0	916	$1,300	$1.42	45d	1	1.05mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	9d	1	1.05mi
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	25d	1	1.06mi
10557 Castle Dr Saint Louis, MO	3.0	2.0	1023	$1,300	$1.27	16d	1	1.06mi
10367 Coburg Lands Dr Saint Louis, MO	3.0	1.0	912	$1,270	$1.39	45d	1	1.08mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	25d	1	1.08mi
1225 Newark Dr Saint Louis, MO	3.0	2.0	944	$1,400	$1.48	5d	1	1.12mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	23d	1	1.13mi
1009 Bliss Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	45d	1	1.16mi
1238 Hoyt Dr Saint Louis, MO	3.0	1.0	1176	$1,400	$1.19	23d	1	1.17mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	25d	1	1.20mi

Listing history 13 events

1. 2026-06-05
   statusdays on market $119,900 Pending 110 DOM
2. 2026-06-03
   days on market $119,900 Active 109 DOM
3. 2026-06-02
   days on market $119,900 Active 108 DOM
4. 2026-06-01
   days on market $119,900 Active 107 DOM
5. 2026-05-31
   days on market $119,900 Active 106 DOM
6. 2026-05-16
   price $119,900 486-char remark

   Show marketing remark (486 chars)

   Welcome home to this inviting 3-bedroom, 1-bath ranch offering comfort, functionality, and timeless appeal. Features include beautiful hardwood floors, a kitchen with custom cabinetry, and the convenience of a one-car garage. The single-level layout provides easy, comfortable living with efficient flow throughout the home. The full basement provides valuable additional space for storage, hobbies, or a recreation area. Well-laid-out home with classic ranch character, and warmth.

7. 2026-03-14
   status Active 486-char remark

   Show marketing remark (486 chars)

   Welcome home to this inviting 3-bedroom, 1-bath ranch offering comfort, functionality, and timeless appeal. Features include beautiful hardwood floors, a kitchen with custom cabinetry, and the convenience of a one-car garage. The single-level layout provides easy, comfortable living with efficient flow throughout the home. The full basement provides valuable additional space for storage, hobbies, or a recreation area. Well-laid-out home with classic ranch character, and warmth.

8. 2026-03-14
   price $129,900 486-char remark

   Show marketing remark (486 chars)

   Welcome home to this inviting 3-bedroom, 1-bath ranch offering comfort, functionality, and timeless appeal. Features include beautiful hardwood floors, a kitchen with custom cabinetry, and the convenience of a one-car garage. The single-level layout provides easy, comfortable living with efficient flow throughout the home. The full basement provides valuable additional space for storage, hobbies, or a recreation area. Well-laid-out home with classic ranch character, and warmth.

9. 2026-02-24
   status Pending 486-char remark

   Show marketing remark (486 chars)

   Welcome home to this inviting 3-bedroom, 1-bath ranch offering comfort, functionality, and timeless appeal. Features include beautiful hardwood floors, a kitchen with custom cabinetry, and the convenience of a one-car garage. The single-level layout provides easy, comfortable living with efficient flow throughout the home. The full basement provides valuable additional space for storage, hobbies, or a recreation area. Well-laid-out home with classic ranch character, and warmth.

10. 2026-01-28
    listed $139,900 Active 486-char remark

    Show marketing remark (486 chars)

    Welcome home to this inviting 3-bedroom, 1-bath ranch offering comfort, functionality, and timeless appeal. Features include beautiful hardwood floors, a kitchen with custom cabinetry, and the convenience of a one-car garage. The single-level layout provides easy, comfortable living with efficient flow throughout the home. The full basement provides valuable additional space for storage, hobbies, or a recreation area. Well-laid-out home with classic ranch character, and warmth.

11. 2008-11-07
    soldstatus
12. 2005-10-19
    soldstatus $69,350
13. 1988-07-01
    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: $1,711 · $143/mo
• Projected year-2 tax: $1,711 · $143/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 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,220
• − Mortgage interest: −$6,716
• − Property taxes: −$1,711
• − Insurance: −$600
• − Repairs & maintenance: −$1,298
• − Management: −$1,298
• − Depreciation: −$3,488
• Taxable income: $1,109
• Est. tax owed @ 24.0%: −$266
• After-tax cash flow: $2,691/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 — Moline Acres

• Score: 60/100
• State rank: #480
• US rank: #18899

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moline Acres, 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

+72.9% since first listed

8 events — show timeline

• 2026-05-16 Price Changed $119,900 MARIS as Distributed by MLS Grid
• 2026-03-14 Relisted — MARIS as Distributed by MLS Grid
• 2026-03-14 Price Changed $129,900 MARIS as Distributed by MLS Grid
• 2026-02-24 Pending — MARIS as Distributed by MLS Grid
• 2026-01-28 Listed $139,900 MARIS as Distributed by MLS Grid
• 2008-11-07 Sold (Public Records) — Public Records
• 2005-10-19 Sold (Public Records) $69,350 Public Records
• 1988-07-01 Sold (Public Records) — Public Records

Property tax history

+3.9%/yr

Latest (2022): $1,711 · +0.3% YoY. Source: county tax records.