8425 Halls Ferry Rd · St. Louis, MO 63147

$120,000

5 bd · 1.0 ba · 631 sqft · SingleFamily public records · 77 Days on market

Built 1891 2,953 sqft lot $190/sqft · 65% above area Est $109k · 10% over

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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 +25.1/30.0
• DSCR +8.2/10.0
• 1% rule +6.6/10.0
• ARV discount +3.0/15.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Luxury-level renovation meets high-income potential in this fully remodeled mixed-use commercial/residential property at 8425 Halls Ferry Rd in St. Louis. This is a rare opportunity for investors seeking a turnkey, high-end asset that can function as a luxury furnished residence, a premium rental property, a business location with living quarters, or a strong cash-flow mixed-use investment. The building has been completely transformed from top to bottom with upscale finishes and major system upgrades already completed. The property now features 5 spacious bedrooms and 2 fully updated luxury bathrooms, along with a layout that easily supports residential, professional, or income-producing use. Every major component is brand new, including a new roof, new HVAC system, new plumbing, updated electrical, and energy-efficient vinyl windows, providing long-term value and low maintenance costs for investors. This property is being sold fully furnished, allowing for immediate use as a high-end rental, executive housing, short-term rental, or live/work property. A home warranty is also included, offering additional protection and peace of mind from day one. One of the strongest advantages of this property is its mixed-use flexibility. Whether you’re looking to operate a business on-site, create a premium furnished rental, establish a professional office with residential space, or hold as a long-term income-producing asset, the layout and zoning provide exceptional versatility that is difficult to find in this price range. Inside, you’ll find modern luxury finishes, large flexible living spaces, and a design that supports both upscale residential living and business use. This is an ideal opportunity for investors, entrepreneurs, and buyers looking for a fully upgraded property that stands out from typical residential inventory. If you’re looking for a luxury-level, fully renovated mixed-use property with strong income potential and long-term value, this one is ready to go. Schedule your showing today and take advantage of this rare turnkey opportunity.

Key facts

• 2,953 sq ft lot
• Built 1891
• Listed 76 days

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $267 ($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: $113k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.0% 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 C — 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.
• Market conditions: 57 active listings in the ZIP; lower-income renter base — watch delinquency; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
• This rent runs 40% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $830 of loan paydown is wiped out by about $4k 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.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y 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.
• Current owner paid $16k; list at $120k implies a 627% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1891 — 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 $112,800 (6.0% below list)

Questions for the listing agent

1. It's been on market 77 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 1891 — 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: 1.16% ✓
• Cap rate: 8.96%
• Cash-on-cash: 9.52%
• DSCR: 1.42
• GRM: 7.2

CMA / ARV

• ARV (median comp): $109,000
• List price: $120,000
• Delta: 10.09%
• Verdict: OVERPRICED
• Comps: 17 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -1.9%
• Equity multiple: 0.93×
• Total profit: $-2,448
• Equity at exit: $17,892

10-year hold

• IRR: 7.8%
• Equity multiple: 1.59×
• Total profit: $19,814
• Equity at exit: $10,375

Cash invested: $33,600 (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 63147

• Home prices YoY: -31.4%
• Active inventory: 57
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,387 medium
• Mortgage (P&I): −$629
• Tax est. 1.5%: −$150 /mo · $1,800/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$291
• Net cashflow: $267

Break-even live

Break-even rent $1,050

Max offer price $120,000

Occupancy floor 76%

Sensitivity live

Price	-10% $349	-5% $308	+0% $267	+5% $225	+10% $184
Rent	-10% $157	-5% $212	+0% $267	+5% $321	+10% $376
Rate	-1.0pp $327	-0.5pp $297	base $267	+0.5pp $235	+1.0pp $204

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $120,000 Active 77 DOM
2. 2026-06-17
   days on market $120,000 Active 76 DOM
3. 2026-06-16
   days on market $120,000 Active 75 DOM
4. 2026-06-15
   days on market $120,000 Active 74 DOM
5. 2026-06-13
   days on market $120,000 Active 72 DOM
6. 2026-06-09
   days on market $120,000 Active 68 DOM
7. 2026-06-08
   days on market $120,000 Active 67 DOM
8. 2026-06-08
   days on market $120,000 Active 66 DOM
9. 2026-06-05
   days on market $120,000 Active 63 DOM
10. 2026-06-03
    days on market $120,000 Active 62 DOM
11. 2026-06-02
    days on market $120,000 Active 61 DOM
12. 2026-06-01
    days on market $120,000 Active 60 DOM
13. 2026-05-31
    days on market $120,000 Active 59 DOM
14. 2026-04-03
    listed $120,000 Active 2100-char remark

    Show marketing remark (2100 chars)

    Luxury-level renovation meets high-income potential in this fully remodeled mixed-use commercial/residential property at 8425 Halls Ferry Rd in St. Louis. This is a rare opportunity for investors seeking a turnkey, high-end asset that can function as a luxury furnished residence, a premium rental property, a business location with living quarters, or a strong cash-flow mixed-use investment. The building has been completely transformed from top to bottom with upscale finishes and major system upgrades already completed. The property now features 5 spacious bedrooms and 2 fully updated luxury bathrooms, along with a layout that easily supports residential, professional, or income-producing use. Every major component is brand new, including a new roof, new HVAC system, new plumbing, updated electrical, and energy-efficient vinyl windows, providing long-term value and low maintenance costs for investors. This property is being sold fully furnished, allowing for immediate use as a high-end rental, executive housing, short-term rental, or live/work property. A home warranty is also included, offering additional protection and peace of mind from day one. One of the strongest advantages of this property is its mixed-use flexibility. Whether you’re looking to operate a business on-site, create a premium furnished rental, establish a professional office with residential space, or hold as a long-term income-producing asset, the layout and zoning provide exceptional versatility that is difficult to find in this price range. Inside, you’ll find modern luxury finishes, large flexible living spaces, and a design that supports both upscale residential living and business use. This is an ideal opportunity for investors, entrepreneurs, and buyers looking for a fully upgraded property that stands out from typical residential inventory. If you’re looking for a luxury-level, fully renovated mixed-use property with strong income potential and long-term value, this one is ready to go. Schedule your showing today and take advantage of this rare turnkey opportunity.

15. 2026-04-01
    historical $120,000 2100-char remark

    Show marketing remark (2100 chars)

    Luxury-level renovation meets high-income potential in this fully remodeled mixed-use commercial/residential property at 8425 Halls Ferry Rd in St. Louis. This is a rare opportunity for investors seeking a turnkey, high-end asset that can function as a luxury furnished residence, a premium rental property, a business location with living quarters, or a strong cash-flow mixed-use investment. The building has been completely transformed from top to bottom with upscale finishes and major system upgrades already completed. The property now features 5 spacious bedrooms and 2 fully updated luxury bathrooms, along with a layout that easily supports residential, professional, or income-producing use. Every major component is brand new, including a new roof, new HVAC system, new plumbing, updated electrical, and energy-efficient vinyl windows, providing long-term value and low maintenance costs for investors. This property is being sold fully furnished, allowing for immediate use as a high-end rental, executive housing, short-term rental, or live/work property. A home warranty is also included, offering additional protection and peace of mind from day one. One of the strongest advantages of this property is its mixed-use flexibility. Whether you’re looking to operate a business on-site, create a premium furnished rental, establish a professional office with residential space, or hold as a long-term income-producing asset, the layout and zoning provide exceptional versatility that is difficult to find in this price range. Inside, you’ll find modern luxury finishes, large flexible living spaces, and a design that supports both upscale residential living and business use. This is an ideal opportunity for investors, entrepreneurs, and buyers looking for a fully upgraded property that stands out from typical residential inventory. If you’re looking for a luxury-level, fully renovated mixed-use property with strong income potential and long-term value, this one is ready to go. Schedule your showing today and take advantage of this rare turnkey opportunity.

16. 2022-03-18
    soldstatus $16,500
17. 2022-03-14
    soldstatus Closed 136-char remark

    Show marketing remark (136 chars)

    Great investment property to add to your rental portfolio. 2 bd 1 bth. Seller to do no repairs, inspections or warranties. Sold As-IS.

18. 2022-02-25
    status Pending 136-char remark

    Show marketing remark (136 chars)

    Great investment property to add to your rental portfolio. 2 bd 1 bth. Seller to do no repairs, inspections or warranties. Sold As-IS.

19. 2022-02-14
    listed $19,900 Active 136-char remark

    Show marketing remark (136 chars)

    Great investment property to add to your rental portfolio. 2 bd 1 bth. Seller to do no repairs, inspections or warranties. Sold As-IS.

20. 2000-06-08
    soldstatus $27,000
21. 1989-09-29
    soldstatus
22. 1989-08-09
    soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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: $16,646
• − Mortgage interest: −$6,722
• − Property taxes: −$1,800
• − Insurance: −$600
• − Repairs & maintenance: −$1,332
• − Management: −$1,332
• − Depreciation: −$3,491
• Taxable income: $1,370
• Est. tax owed @ 24.0%: −$329
• After-tax cash flow: $2,870/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
• County: Saint Louis City · 254,015 people
• City population: 283,259
• Metro: St. Louis, MO-IL
• Population (ZIP): 8,173
• Household income: $41,182
• Rent vs Own: 42.0% rent · 58.0% own
• Severe rent burden: 418.0

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 (92%)
• Race & ethnicity: Black 92% White 5% Two or more races 2%
• Foreign-born: 0%
• Languages at home: 99% English-only · Spanish 1%

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: ▼ -38.51%
• Current HPI: 84.224
• Rent YoY: —
• 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

+344.4% since first listed

9 events — show timeline

• 2026-04-03 Listed $120,000 MARIS as Distributed by MLS Grid
• 2026-04-01 Coming Soon $120,000 MARIS as Distributed by MLS Grid
• 2022-03-18 Sold (Public Records) $16,500 Public Records
• 2022-03-14 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2022-02-25 Pending — MARIS as Distributed by MLS Grid
• 2022-02-14 Listed $19,900 MARIS as Distributed by MLS Grid
• 2000-06-08 Sold (Public Records) $27,000 Public Records
• 1989-09-29 Sold (Public Records) — Public Records
• 1989-08-09 Sold (Public Records) — Public Records

Property tax history

-3.6%/yr

Latest (2023): $151 · -2.0% YoY. Source: county tax records.