4411 Saint Ferdinand Ave · St. Louis, MO 63113

$19,900

3 bd · 1.0 ba · 1,606 sqft · SingleFamily public records · 116 Days on market

Built 1893 4,020 sqft lot $12/sqft · 56% below area

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Why this score? — see what drove the D+ 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• 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 MLS

INVESTOR OR REHABBER SPECIAL!!!!! Located at 4411 Saint Ferdinand AVE, ST LOUIS MO 63113, this single-family residence in THE Ville AREA of St. Louis presents a unique opportunity to own a piece of history. This is a Full Rehab Project. Built in 1893, featuring a Huge Lot... This residence, situated in the vibrant heart of the Ville offers a chance to craft an ideal living space to occupy or re-sell. Let your imagination run wild as you consider the possibilities this property holds. This residence is a canvas awaiting your vision. Agent is related to the seller.

Key facts

• Huge lot
• Ville area
• 4,020 sq ft lot

Tags

• HUGE LOT
• VILLE AREA

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $20k.

Deal economics

• At list price, monthly cash flow is $1k ($15k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $20k).
• Recommended offer: $18k (9.0% below list) — sets the bar for market timing.
• Cap rate 80.2% 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 D — 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: Nahed Chapman New American Aca (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 335 students, 99% FRL); Gateway Middle (math 0% / reading 8%, grade F, #389 of 391 statewide, top 100%, 506 students, 99% FRL); 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 (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 58 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 47% 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 $138 of loan paydown is wiped out by about $427 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 $6k 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 ($18k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 1893 — 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 $18,109 (9.0% below list)

Questions for the listing agent

1. 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?
2. Built in 1893 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. 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.
7. 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.
8. 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: 8.60% ✓
• Cap rate: 80.18%
• Cash-on-cash: 263.88%
• DSCR: 12.74
• GRM: 1.0

CMA / ARV

• ARV (median comp): $45,103
• List price: $19,900
• Delta: -55.88%
• 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
1524 Deer St	0.33mi	3/2.0	1,646 (+2%)	14mo	$105,900	$64	65
4319 Aldine Ave	0.28mi	3/1.0	1,496 (-7%)	16mo	$15,000	$10	62
3526 Paris Ave	0.59mi	3/2.0	1,624 (+1%)	6mo	$25,000	$15	61
1723 Marcus Ave	0.50mi	3/1.5	1,564 (-3%)	15mo	$25,000	$16	58
4051 Maffitt Ave	0.67mi	3/1.0	1,584 (-1%)	10mo	$23,000	$15	58
4743 Maffitt Ave	0.58mi	4/1.5 (+1)	1,550 (-4%)	5mo	$154,900	$100	56
3208 N Taylor Ave	0.51mi	3/1.5	1,500 (-7%)	10mo	$24,900	$17	55
4725 Maffitt Ave	0.55mi	3/1.5	1,508 (-6%)	9mo	$45,000	$30	55
4369 Evans Ave	0.41mi	3/2.0	1,788 (+11%)	4mo	$54,900	$31	54
4227 W Labadie Ave	0.42mi	3/1.5	1,505 (-6%)	17mo	$55,000	$37	54
4741 Greer Ave	0.68mi	3/2.0	1,766 (+10%)	0mo	$10,000	$6	47
2504 N Euclid Ave N	0.74mi	3/1.0	1,728 (+8%)	8mo	$19,900	$12	46

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: —
• Equity multiple: 14.56×
• Total profit: $75,554
• Equity at exit: $3,734

10-year hold

• IRR: —
• Equity multiple: 30.97×
• Total profit: $166,993
• Equity at exit: $3,067

Cash invested: $5,572 (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 63113

• Home prices YoY: -2.0%
• Active inventory: 58
• Price-to-rent: 1.0×

Monthly cashflow live

• Estimated rent: $1,711 high
• Mortgage (P&I): −$104
• Tax from tax record: −$14 /mo · $163/yr
• Insurance: −$8
• HOA: −$0
• Vacancy / Maint / Mgmt: −$359
• Net cashflow: $1,225

Break-even live

Break-even rent $160

Max offer price $19,900

Occupancy floor 23%

Sensitivity live

Price	-10% $1,237	-5% $1,231	+0% $1,225	+5% $1,220	+10% $1,214
Rent	-10% $1,090	-5% $1,158	+0% $1,225	+5% $1,293	+10% $1,360
Rate	-1.0pp $1,235	-0.5pp $1,230	base $1,225	+0.5pp $1,220	+1.0pp $1,215

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: $4,975
• Closing costs: $597
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4247 Maffitt Ave St. Louis, MO	3.0	1.5	1700	$1,000	$0.59	6d	1	0.41mi
4400 Delmar Blvd St. Louis, MO	3.0	1.0	1450	$1,600	$1.10	45d	1	0.95mi
763 Walton Ave Unit 763 St. Louis, MO	2.0	1.0	1100	$1,100	$1.00	45d	1	0.96mi
4642 Farlin Ave Unit 1F St. Louis, MO	2.0	1.0	1056	$800	$0.76	45d	1	1.00mi
4466 Olive St Saint Louis, MO	1.0–2.0	1.0–2.5	1222	$2,495	$2.04	0d	7	1.11mi
4500 Olive St Unit D St. Louis, MO	2.0	2.0	1200	$1,725	$1.44	45d	1	1.11mi
4040 Shreve Ave Saint Louis, MO	3.0	1.0	1201	$1,250	$1.04	45d	1	1.11mi
4140 Washington Blvd Saint Louis, MO	1.0–2.0	1.0–2.5	907	$2,035	$2.24	0d	1	1.13mi
4738 Olive St Saint Louis, MO	2.0	2.0	1413	$1,925	$1.36	25d	1	1.17mi
625 N Euclid Ave St. Louis, MO	2.0	1.0–2.0	984	$3,120	$3.17	0d	16	1.19mi
4901 Washington Blvd Saint Louis, MO	2.0	2.0	1620	$2,500	$1.54	13d	1	1.20mi
4223 Red Bud Ave Unit 1F St. Louis, MO	2.0	1.0	1167	$895	$0.77	45d	1	1.22mi
5096 Minerva Ave Unit C St. Louis, MO	3.0	1.0	1800	$1,395	$0.78	45d	1	1.24mi
1320 Academy Ave Unit A St. Louis, MO	2.0	1.0	1600	$1,090	$0.68	45d	1	1.24mi
4127 Westminster Pl St. Louis, MO	2.0	2.5	1216	$2,095	$1.72	9d	1	1.25mi
4127 Westminster Pl St. Louis, MO	2.0	2.5	1216	$2,095	$1.72	0d	1	1.25mi
4446 McPherson Ave Saint Louis, MO	2.0	1.5	1440	$2,100	$1.46	25d	1	1.25mi
4390 McPherson Ave Saint Louis, MO	3.0	2.5	1500	$1,800	$1.20	0d	1	1.25mi
4362 McPherson Ave Saint Louis, MO	2.0	1.5	1200	$1,500	$1.25	0d	1	1.26mi
377 N Taylor Ave St. Louis, MO	2.0	2.0	1209	$1,595	$1.32	16d	1	1.27mi
401 N Euclid Ave St. Louis, MO	3.0	1.0	1025	$1,875	$1.83	0d	4	1.30mi
404 N Sarah St Saint Louis, MO	3.0	2.5	1772	$2,600	$1.47	45d	1	1.34mi
5223 Ashland Ave Unit 2 St. Louis, MO	3.0	1.0	2200	$1,450	$0.66	45d	1	1.35mi
5223 Ashland Ave Saint Louis, MO	2.0	1.0	2200	$1,250	$0.57	45d	1	1.35mi
4322 Maryland Ave St. Louis, MO	2.0	1.5	1200	$1,799	$1.50	25d	1	1.37mi
4256 Maryland Ave Saint Louis, MO	3.0	2.0	1400	$1,900	$1.36	45d	1	1.38mi
4256 Maryland Ave Saint Louis, MO	3.0	2.0	1400	$1,800	$1.29	12d	1	1.38mi
322 N Boyle Ave Unit 3N St. Louis, MO	2.0	2.0	1115	$1,550	$1.39	45d	1	1.39mi
5333 Patton Ave St. Louis, MO	3.0	1.5	1262	$1,250	$0.99	45d	1	1.41mi
1420 Union Blvd Unit 2F St. Louis, MO	2.0	1.0	1096	$995	$0.91	45d	1	1.42mi
5130 Kensington Ave Unit 1 St. Louis, MO	3.0	2.0	1200	$1,245	$1.04	25d	1	1.44mi
4400 Lindell Blvd Saint Louis, MO	3.0	1.0–3.0	1100	$2,879	$2.62	0d	16	1.49mi

Listing history 18 events

1. 2026-06-21
   days on market $19,900 Active 116 DOM
2. 2026-06-18
   days on market $19,900 Active 113 DOM
3. 2026-06-17
   days on market $19,900 Active 112 DOM
4. 2026-06-16
   days on market $19,900 Active 111 DOM
5. 2026-06-15
   days on market $19,900 Active 110 DOM
6. 2026-06-13
   days on market $19,900 Active 108 DOM
7. 2026-06-09
   days on market $19,900 Active 104 DOM
8. 2026-06-08
   days on market $19,900 Active 103 DOM
9. 2026-06-08
   days on market $19,900 Active 102 DOM
10. 2026-06-05
    days on market $19,900 Active 99 DOM
11. 2026-06-03
    days on market $19,900 Active 98 DOM
12. 2026-06-02
    days on market $19,900 Active 97 DOM
13. 2026-06-01
    days on market $19,900 Active 96 DOM
14. 2026-05-31
    days on market $19,900 Active 95 DOM
15. 2026-05-06
    status Active 572-char remark

    Show marketing remark (572 chars)

    INVESTOR OR REHABBER SPECIAL!!!!! Located at 4411 Saint Ferdinand AVE, ST LOUIS MO 63113, this single-family residence in THE Ville AREA of St. Louis presents a unique opportunity to own a piece of history. This is a Full Rehab Project. Built in 1893, featuring a Huge Lot... This residence, situated in the vibrant heart of the Ville offers a chance to craft an ideal living space to occupy or re-sell. Let your imagination run wild as you consider the possibilities this property holds. This residence is a canvas awaiting your vision. Agent is related to the seller.

16. 2026-04-08
    status Pending 572-char remark

    Show marketing remark (572 chars)

    INVESTOR OR REHABBER SPECIAL!!!!! Located at 4411 Saint Ferdinand AVE, ST LOUIS MO 63113, this single-family residence in THE Ville AREA of St. Louis presents a unique opportunity to own a piece of history. This is a Full Rehab Project. Built in 1893, featuring a Huge Lot... This residence, situated in the vibrant heart of the Ville offers a chance to craft an ideal living space to occupy or re-sell. Let your imagination run wild as you consider the possibilities this property holds. This residence is a canvas awaiting your vision. Agent is related to the seller.

17. 2026-01-29
    listed $19,900 Active 572-char remark

    Show marketing remark (572 chars)

    INVESTOR OR REHABBER SPECIAL!!!!! Located at 4411 Saint Ferdinand AVE, ST LOUIS MO 63113, this single-family residence in THE Ville AREA of St. Louis presents a unique opportunity to own a piece of history. This is a Full Rehab Project. Built in 1893, featuring a Huge Lot... This residence, situated in the vibrant heart of the Ville offers a chance to craft an ideal living space to occupy or re-sell. Let your imagination run wild as you consider the possibilities this property holds. This residence is a canvas awaiting your vision. Agent is related to the seller.

18. 2005-11-18
    soldstatus $70,000

ⓘ 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: $163 · $14/mo
• Projected year-2 tax: $193 · $16/mo
• Expected delta: +$30/yr (+$3/mo · 18.6%)

ⓘ 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: $20,529
• − Mortgage interest: −$1,115
• − Property taxes: −$163
• − Insurance: −$100
• − Repairs & maintenance: −$1,642
• − Management: −$1,642
• − Depreciation: −$579
• Taxable income: $15,288
• Est. tax owed @ 24.0%: −$3,669
• After-tax cash flow: $11,034/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

-71.6% since first listed

4 events — show timeline

• 2026-05-06 Relisted — MARIS as Distributed by MLS Grid
• 2026-04-08 Pending — MARIS as Distributed by MLS Grid
• 2026-01-29 Listed $19,900 MARIS as Distributed by MLS Grid
• 2005-11-18 Sold (Public Records) $70,000 Public Records

Property tax history

-6.7%/yr

Latest (2024): $163 · +4.2% YoY. Source: county tax records.