1212 Kilgore Dr · Bellefontaine Neighbors, MO 63137

$104,900

3 bd · 1.0 ba · 1,128 sqft · SingleFamily public records · 55 Days on market

Built 1951 6,198 sqft lot $93/sqft · 9% above area Est $96k · 9% 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.7/10.0
• Rent growth +4.1/5.0
• ARV discount +3.5/15.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

UPDATED, MOVE-IN READY home in an established neighborhood. New flooring, fresh paint in all rooms, new doors/hardware, renovated kitchen including SS appliances, updated bathroom, brand new, attractive, glass block basement windows, brand new security system installed,new WATER HTR, & a BONUS sun/screened-in room off the kitchen w/beautiful, natural light from many windows. Freshly painted basement with some new drywall make for additional living/storage space in the lower level. The maintenance-free exterior with the vinyl siding makes taking care of this home a breeze! Step outside to a large concrete patio, and level, fenced-in yard;perfect for your family BBQ's! $1500 credit offered at closing toward the purchase of a new A/C. All within walking distance to elementary school, park, church and public transportation! STOP paying rent and start enjoying HOME OWNERSHIP today with this beautiful home!

Key facts

• 6,198 sq ft lot
• 2 garage spots
• Built 1951

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $407 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $102k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 58/100 on livability (#592 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: employment D+, schools F, crime 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 (+6.6%/yr); 201 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 40% of the median local income ($43k/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 $725 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $29k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($102k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y 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 $59k; list at $105k implies a 78% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1951 — 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 $101,753 (3.0% below list)

Questions for the listing agent

1. It's been on market 55 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.37% ✓
• Cap rate: 10.95%
• Cash-on-cash: 16.65%
• DSCR: 1.74
• GRM: 6.1

CMA / ARV

• ARV (median comp): $96,341
• List price: $104,900
• Delta: 8.88%
• 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
10201 Surf Dr	0.27mi	3/2.0	1,074 (-5%)	5mo	$114,900	$107	72
10130 Newbold Dr	0.27mi	3/1.0	984 (-13%)	2mo	$144,900	$147	65
10006 Castle Dr	0.63mi	3/1.0	1,178 (+4%)	5mo	$35,900	$30	59
1224 Billings Dr	0.36mi	3/1.0	975 (-14%)	3mo	$149,900	$154	58
1331 Norchester Dr	0.48mi	3/2.0	1,240 (+10%)	2mo	$209,900	$169	55
1222 Hoyt Dr	0.63mi	3/2.0	1,072 (-5%)	4mo	$120,000	$112	55
2442 Gardner Dr	0.68mi	3/2.0	1,054 (-7%)	2mo	$59,900	$57	52
1033 Bakewell Dr	0.45mi	2/1.0 (-1)	992 (-12%)	3mo	$99,900	$101	52
10522 Byfield Dr	0.65mi	2/1.0 (-1)	1,038 (-8%)	1mo	$99,900	$96	50
1232 Forest Home Dr	0.55mi	3/1.0	975 (-14%)	3mo	$114,900	$118	49
10505 Druid Dr	0.71mi	3/1.0	1,008 (-11%)	1mo	$115,000	$114	48
1250 Admiral Dr	0.51mi	3/2.0	1,287 (+14%)	4mo	$115,000	$89	46

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

Projected returns pro-forma

-3.0% appreciation · 6.59% rent growth · sell at horizon

5-year hold

• IRR: 11.8%
• Equity multiple: 1.49×
• Total profit: $14,362
• Equity at exit: $15,641

10-year hold

• IRR: 23.5%
• Equity multiple: 3.38×
• Total profit: $69,811
• Equity at exit: $9,070

Cash invested: $29,372 (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 63137

• Rents YoY: 6.6%
• Active inventory: 201
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,439 high
• Mortgage (P&I): −$550
• Tax from tax record: −$135 /mo · $1,625/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$302
• Net cashflow: $407

Break-even live

Break-even rent $923

Max offer price $104,900

Occupancy floor 67%

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: $26,225
• Closing costs: $3,147
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	10d	1	0.11mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,450	$1.59	16d	1	0.21mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	14d	1	0.44mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	17d	1	0.44mi
1520 Attica Dr Saint Louis, MO	2.0	1.0	1062	$1,200	$1.13	23d	1	0.45mi
1115 Bakewell Dr Saint Louis, MO	3.0	1.0	916	$1,300	$1.42	43d	1	0.47mi
10367 Coburg Lands Dr Saint Louis, MO	3.0	1.0	912	$1,270	$1.39	43d	1	0.48mi
1130 Forest Home Dr Saint Louis, MO	3.0	1.0	1025	$1,275	$1.24	43d	1	0.52mi
9908 Norbridge Ln Saint Louis, MO	2.0	2.0	1240	$1,650	$1.33	19d	1	0.53mi
1009 Bliss Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	43d	1	0.53mi
1230 Roxton Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	21d	1	0.55mi
10203 Trio Ln Saint Louis, MO	3.0	1.0	912	$1,435	$1.57	16d	1	0.64mi
1238 Hoyt Dr Saint Louis, MO	3.0	1.0	1176	$1,400	$1.19	21d	1	0.70mi
10508 Druid Dr Saint Louis, MO	3.0	1.0	1122	$1,475	$1.31	16d	1	0.74mi
1208 Rapid Dr Saint Louis, MO	3.0	1.0	992	$1,375	$1.39	4d	1	0.74mi
10066 Dorothy Ave Saint Louis, MO	2.0	1.0	916	$1,225	$1.34	21d	1	0.77mi
808 Bella Ln Saint Louis, MO	4.0	2.0	1300	$1,650	$1.27	17d	1	0.78mi
815 Bella Ln Saint Louis, MO	3.0	1.0	864	$1,275	$1.48	43d	1	0.79mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	43d	1	0.81mi
637 Karess Dr Saint Louis, MO	2.0	2.0	1190	$1,525	$1.28	12d	1	0.84mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	43d	1	0.86mi
9924 Gloucester Dr Saint Louis, MO	3.0	2.0	992	$1,565	$1.58	10d	1	0.90mi
9943 Lilac Dr Saint Louis, MO	2.0	1.0	1086	$1,000	$0.92	43d	1	0.91mi
10052 Lilac Ave Saint Louis, MO	3.0	1.5	1143	$1,100	$0.96	7d	1	0.92mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	23d	1	0.92mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	7d	1	0.93mi
623 Ludlow Dr Saint Louis, MO	2.0	1.0	840	$1,199	$1.43	23d	1	0.94mi
10441 Prince Dr Saint Louis, MO	4.0	1.5	1380	$1,380	$1.00	43d	1	0.95mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	43d	1	0.99mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	23d	1	1.00mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	23d	1	1.00mi
9811 Lilac Dr Unit I St. Louis, MO	2.0	1.0	705	$799	$1.13	43d	1	1.00mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	43d	1	1.01mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	7d	1	1.01mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	3d	1	1.03mi
10557 Castle Dr Saint Louis, MO	3.0	2.0	1023	$1,300	$1.27	14d	1	1.03mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	43d	1	1.03mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,325	$1.47	23d	1	1.05mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,350	$1.50	43d	1	1.05mi
10052 Diamond Dr Saint Louis, MO	4.0	1.0	1181	$1,495	$1.27	12d	1	1.05mi

Listing history 12 events

1. 2026-05-13
   status Pending
2. 2026-04-16
   price $104,900
3. 2026-03-19
   listed $109,900 Active
4. 2018-12-05
   soldstatus $59,000
5. 2018-11-30
   soldstatus Closed 920-char remark

   Show marketing remark (920 chars)

   UPDATED, MOVE-IN READY home in an established neighborhood. New flooring, fresh paint in all rooms, new doors/hardware, renovated kitchen including SS appliances, updated bathroom, brand new, attractive, glass block basement windows, brand new security system installed,new WATER HTR, & a BONUS sun/screened-in room off the kitchen w/beautiful, natural light from many windows. Freshly painted basement with some new drywall make for additional living/storage space in the lower level. The maintenance-free exterior with the vinyl siding makes taking care of this home a breeze! Step outside to a large concrete patio, and level, fenced-in yard;perfect for your family BBQ's! $1500 credit offered at closing toward the purchase of a new A/C. All within walking distance to elementary school, park, church and public transportation! STOP paying rent and start enjoying HOME OWNERSHIP today with this beautiful home!

6. 2018-11-07
   status Pending 920-char remark

   Show marketing remark (920 chars)

   UPDATED, MOVE-IN READY home in an established neighborhood. New flooring, fresh paint in all rooms, new doors/hardware, renovated kitchen including SS appliances, updated bathroom, brand new, attractive, glass block basement windows, brand new security system installed,new WATER HTR, & a BONUS sun/screened-in room off the kitchen w/beautiful, natural light from many windows. Freshly painted basement with some new drywall make for additional living/storage space in the lower level. The maintenance-free exterior with the vinyl siding makes taking care of this home a breeze! Step outside to a large concrete patio, and level, fenced-in yard;perfect for your family BBQ's! $1500 credit offered at closing toward the purchase of a new A/C. All within walking distance to elementary school, park, church and public transportation! STOP paying rent and start enjoying HOME OWNERSHIP today with this beautiful home!

7. 2018-10-12
   price $68,000 920-char remark

   Show marketing remark (920 chars)

   UPDATED, MOVE-IN READY home in an established neighborhood. New flooring, fresh paint in all rooms, new doors/hardware, renovated kitchen including SS appliances, updated bathroom, brand new, attractive, glass block basement windows, brand new security system installed,new WATER HTR, & a BONUS sun/screened-in room off the kitchen w/beautiful, natural light from many windows. Freshly painted basement with some new drywall make for additional living/storage space in the lower level. The maintenance-free exterior with the vinyl siding makes taking care of this home a breeze! Step outside to a large concrete patio, and level, fenced-in yard;perfect for your family BBQ's! $1500 credit offered at closing toward the purchase of a new A/C. All within walking distance to elementary school, park, church and public transportation! STOP paying rent and start enjoying HOME OWNERSHIP today with this beautiful home!

8. 2018-09-30
   status Active 920-char remark

   Show marketing remark (920 chars)

   UPDATED, MOVE-IN READY home in an established neighborhood. New flooring, fresh paint in all rooms, new doors/hardware, renovated kitchen including SS appliances, updated bathroom, brand new, attractive, glass block basement windows, brand new security system installed,new WATER HTR, & a BONUS sun/screened-in room off the kitchen w/beautiful, natural light from many windows. Freshly painted basement with some new drywall make for additional living/storage space in the lower level. The maintenance-free exterior with the vinyl siding makes taking care of this home a breeze! Step outside to a large concrete patio, and level, fenced-in yard;perfect for your family BBQ's! $1500 credit offered at closing toward the purchase of a new A/C. All within walking distance to elementary school, park, church and public transportation! STOP paying rent and start enjoying HOME OWNERSHIP today with this beautiful home!

9. 2018-09-20
   status Pending 920-char remark

   Show marketing remark (920 chars)

   UPDATED, MOVE-IN READY home in an established neighborhood. New flooring, fresh paint in all rooms, new doors/hardware, renovated kitchen including SS appliances, updated bathroom, brand new, attractive, glass block basement windows, brand new security system installed,new WATER HTR, & a BONUS sun/screened-in room off the kitchen w/beautiful, natural light from many windows. Freshly painted basement with some new drywall make for additional living/storage space in the lower level. The maintenance-free exterior with the vinyl siding makes taking care of this home a breeze! Step outside to a large concrete patio, and level, fenced-in yard;perfect for your family BBQ's! $1500 credit offered at closing toward the purchase of a new A/C. All within walking distance to elementary school, park, church and public transportation! STOP paying rent and start enjoying HOME OWNERSHIP today with this beautiful home!

10. 2018-08-11
    listed $70,000 Active 920-char remark

    Show marketing remark (920 chars)

    UPDATED, MOVE-IN READY home in an established neighborhood. New flooring, fresh paint in all rooms, new doors/hardware, renovated kitchen including SS appliances, updated bathroom, brand new, attractive, glass block basement windows, brand new security system installed,new WATER HTR, & a BONUS sun/screened-in room off the kitchen w/beautiful, natural light from many windows. Freshly painted basement with some new drywall make for additional living/storage space in the lower level. The maintenance-free exterior with the vinyl siding makes taking care of this home a breeze! Step outside to a large concrete patio, and level, fenced-in yard;perfect for your family BBQ's! $1500 credit offered at closing toward the purchase of a new A/C. All within walking distance to elementary school, park, church and public transportation! STOP paying rent and start enjoying HOME OWNERSHIP today with this beautiful home!

11. 2008-06-16
    soldstatus
12. 2008-06-16
    soldstatus $62,000

ⓘ 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: $1,625 · $135/mo
• Projected year-2 tax: $1,625 · $135/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 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,266
• − Mortgage interest: −$5,876
• − Property taxes: −$1,625
• − Insurance: −$524
• − Repairs & maintenance: −$1,381
• − Management: −$1,381
• − Depreciation: −$3,052
• Taxable income: $3,426
• Est. tax owed @ 24.0%: −$822
• After-tax cash flow: $4,067/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 — Bellefontaine Neighbors

• Score: 58/100
• State rank: #592
• US rank: #20944

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellefontaine Neighbors, MO
• County: Saint Louis County · 888,823 people
• City population: 19,684
• Metro: St. Louis, MO-IL
• Population (ZIP): 19,684
• Household income: $43,422
• Rent vs Own: 52.2% rent · 47.8% own
• Severe rent burden: 1863.0

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 (82%)
• Race & ethnicity: Black 82% White 13% Two or more races 3%
• Common ancestry: Romanian 1% Lithuanian 1% Italian 1%
• Foreign-born: 1%

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: ▼ -96.70%
• Current HPI: 130.6765
• Rent YoY: ▲ 6.59%
• 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

+69.2% since first listed

12 events — show timeline

• 2026-05-13 Pending — MARIS as Distributed by MLS Grid
• 2026-04-16 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2026-03-19 Listed $109,900 MARIS as Distributed by MLS Grid
• 2018-12-05 Sold (Public Records) $59,000 Public Records
• 2018-11-30 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2018-11-07 Pending — MARIS as Distributed by MLS Grid
• 2018-10-12 Price Changed $68,000 MARIS as Distributed by MLS Grid
• 2018-09-30 Relisted — MARIS as Distributed by MLS Grid
• 2018-09-20 Pending — MARIS as Distributed by MLS Grid
• 2018-08-11 Listed $70,000 MARIS as Distributed by MLS Grid
• 2008-06-16 Sold (Public Records) $62,000 Public Records
• 2008-06-16 Sold (Public Records) — Public Records

Property tax history

+4.2%/yr

Latest (2022): $1,625 · +0.9% YoY. Source: county tax records.