7214 Harney Ave · Jennings, MO 63136

$99,900

3 bd · 1.0 ba · 1,638 sqft · SingleFamily public records · 94 Days on market

Built 1924 5,009 sqft lot $61/sqft · 12% above area Est $89k · 12% over

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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 +29.0/30.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• Appreciation +6.9/10.0
• Rent growth +3.7/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• ARV discount +2.1/15.0
• Schools +1.1/10.0

Listing remarks MLS

Renovated & Modern 4-Bed, 2-Bath Home! This beautifully updated property is perfect for both savvy investors seeking a strong rental addition to their portfolio and first-time buyers ready to make it their own. Recent upgrades include brand-new flooring throughout, renovated kitchen and bathrooms, fresh interior paint, and stylish exterior enhancements. The open floor plan features stunning vaulted ceilings, creating a bright and spacious feel. Don’t miss this unique opportunity—homes like this don’t come around often! **There are a few things needed to be fully finished and the owner is requesting an AS-IS purchase. Reach out to Leah Agnew for more details. 636-485-9243**

Key facts

• Open floor plan
• Brand-new flooring
• Renovated bathrooms

Tags

• RENOVATED KITCHEN
• RENOVATED BATHROOMS
• BRAND-NEW FLOORING
• STYLISH EXTERIOR ENHANCEMENTS
• OPEN FLOOR PLAN
• VAULTED CEILINGS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $342 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $91k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#208 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, commute A-, housing A-; Watch: schools D-, crime F, amenities F.
• Jennings (suburban): math 8% / reading 20% proficiency, ranked #315 of 324 in MO (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 86% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.0%/yr); 372 active listings in the ZIP; 22 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 36% 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 $4k of equity ($691 loan paydown + $4k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $28k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 94 days — a 9% lower offer ($91k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask has dropped $20k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $53k; list at $100k implies a 88% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1924 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $90,909 (9.0% below list)

Questions for the listing agent

1. It's been on market 94 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 1924 — 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 D-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: 1.25% ✓
• Cap rate: 10.40%
• Cash-on-cash: 14.67%
• DSCR: 1.65
• GRM: 6.7

CMA / ARV

• ARV (median comp): $89,243
• List price: $99,900
• Delta: 11.94%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7205 Emma Ave	0.28mi	3/1.0	1,687 (+3%)	10mo	$38,900	$23	74
5630 Mclaran Ave	0.22mi	3/1.0	1,440 (-12%)	6mo	$120,000	$83	65
7302 Jenwood Ave	0.08mi	3/1.0	1,438 (-12%)	20mo	$124,900	$87	60
6610 W Florissant Ave	0.61mi	2/1.5 (-1)	1,560 (-5%)	3mo	$59,900	$38	54
7063 W Florissant Ave	0.33mi	3/2.0	1,456 (-11%)	11mo	$74,930	$51	53
2321 Shirley Ave	0.58mi	3/2.0	1,470 (-10%)	13mo	$54,900	$37	41
8510 Hamilton Ave	0.74mi	4/2.0 (+1)	1,595 (-3%)	14mo	$90,000	$56	40
2117 Mclaran Ave	0.69mi	4/2.0 (+1)	1,607 (-2%)	19mo	$25,000	$16	40

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: 24.2%
• Equity multiple: 2.45×
• Total profit: $40,567
• Equity at exit: $49,429

10-year hold

• IRR: 25.3%
• Equity multiple: 5.03×
• Total profit: $112,835
• Equity at exit: $79,886

Cash invested: $27,972 (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: 372
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,251 high
• Mortgage (P&I): −$524
• Tax from tax record: −$81 /mo · $968/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $342

Break-even live

Break-even rent $818

Max offer price $99,900

Occupancy floor 68%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7120 Greenhaven Dr Saint Louis, MO	3.0	2.0	1131	$1,050	$0.93	24d	1	0.17mi
7218 Albright Ave Saint Louis, MO	2.0	1.0	1100	$980	$0.89	24d	1	0.19mi
5516 Fairridge Ct Saint Louis, MO	2.0	1.0	1110	$995	$0.90	24d	1	0.26mi
7426 Calvin Ave Saint Louis, MO	2.0	1.0	1100	$1,125	$1.02	18d	1	0.33mi
7441 Calvin Ave Saint Louis, MO	3.0	1.0	1068	$1,350	$1.26	12d	1	0.37mi
5637 Jennings Station Rd Saint Louis, MO	3.0	1.0	1116	$895	$0.80	44d	1	0.37mi
7121 Garesche Ave Saint Louis, MO	3.0	1.0	1156	$1,200	$1.04	44d	1	0.57mi
5612 Hodiamont Ave Saint Louis, MO	3.0	1.5	1200	$1,150	$0.96	11d	1	0.59mi
2646 Terrace Ln Saint Louis, MO	3.0	2.0	1565	$1,275	$0.81	24d	1	0.61mi
5664 Hamilton Ave Saint Louis, MO	2.0	2.0	1700	$1,600	$0.94	44d	1	0.64mi
8502 Dianthus Ln Saint Louis, MO	2.0	1.0	1072	$1,175	$1.10	24d	1	0.65mi
5515 Wilborn Dr Saint Louis, MO	3.0	1.0	1248	$1,400	$1.12	44d	1	0.72mi
2022 McLaran Ave Saint Louis, MO	3.0	2.0	1181	$1,593	$1.35	15d	1	0.75mi
8824 Huiskamp Ave Saint Louis, MO	4.0	1.0	1548	$1,200	$0.78	24d	1	0.85mi
8817 Shady Grove Ave Saint Louis, MO	2.0	1.0	1085	$1,075	$0.99	24d	1	0.85mi
5756 Floy Ave Saint Louis, MO	2.0	1.0	1080	$995	$0.92	44d	1	0.89mi
5932 Floy Ave Saint Louis, MO	3.0	1.0	1080	$1,373	$1.27	20d	1	0.91mi
44 Jendale Ct Saint Louis, MO	2.0	2.0	1820	$1,350	$0.74	24d	1	1.02mi
5730 Park Ln Saint Louis, MO	4.0	1.0	1174	$1,600	$1.36	20d	1	1.16mi
8883 Saint Cyr Dr Saint Louis, MO	2.0	1.0	1632	$1,200	$0.74	44d	1	1.25mi
5944 Thekla Ave Saint Louis, MO	2.0	1.0	1760	$975	$0.55	44d	1	1.26mi
8548 Drury Ln Saint Louis, MO	3.0	2.0	1107	$1,420	$1.28	44d	1	1.28mi

Listing history 31 events

1. 2026-06-18
   days on market $99,900 Active 94 DOM
2. 2026-06-17
   days on market $99,900 Active 93 DOM
3. 2026-06-16
   days on market $99,900 Active 92 DOM
4. 2026-06-15
   days on market $99,900 Active 91 DOM
5. 2026-06-13
   days on market $99,900 Active 89 DOM
6. 2026-06-09
   days on market $99,900 Active 85 DOM
7. 2026-06-08
   days on market $99,900 Active 84 DOM
8. 2026-06-07
   days on market $99,900 Active 83 DOM
9. 2026-06-03
   days on market $99,900 Active 79 DOM
10. 2026-06-02
    days on market $99,900 Active 78 DOM
11. 2026-06-01
    days on market $99,900 Active 77 DOM
12. 2026-05-31
    days on market $99,900 Active 76 DOM
13. 2026-05-12
    price $99,900 705-char remark

    Show marketing remark (705 chars)

    Renovated & Modern 4-Bed, 2-Bath Home! This beautifully updated property is perfect for both savvy investors seeking a strong rental addition to their portfolio and first-time buyers ready to make it their own. Recent upgrades include brand-new flooring throughout, renovated kitchen and bathrooms, fresh interior paint, and stylish exterior enhancements. The open floor plan features stunning vaulted ceilings, creating a bright and spacious feel. Don’t miss this unique opportunity—homes like this don’t come around often! **There are a few things needed to be fully finished and the owner is requesting an AS-IS purchase. Reach out to Leah Agnew for more details. 636-485-9243**

14. 2026-03-23
    price $110,000 705-char remark

    Show marketing remark (705 chars)

    Renovated & Modern 4-Bed, 2-Bath Home! This beautifully updated property is perfect for both savvy investors seeking a strong rental addition to their portfolio and first-time buyers ready to make it their own. Recent upgrades include brand-new flooring throughout, renovated kitchen and bathrooms, fresh interior paint, and stylish exterior enhancements. The open floor plan features stunning vaulted ceilings, creating a bright and spacious feel. Don’t miss this unique opportunity—homes like this don’t come around often! **There are a few things needed to be fully finished and the owner is requesting an AS-IS purchase. Reach out to Leah Agnew for more details. 636-485-9243**

15. 2026-03-16
    listed $120,000 Active 705-char remark

    Show marketing remark (705 chars)

    Renovated & Modern 4-Bed, 2-Bath Home! This beautifully updated property is perfect for both savvy investors seeking a strong rental addition to their portfolio and first-time buyers ready to make it their own. Recent upgrades include brand-new flooring throughout, renovated kitchen and bathrooms, fresh interior paint, and stylish exterior enhancements. The open floor plan features stunning vaulted ceilings, creating a bright and spacious feel. Don’t miss this unique opportunity—homes like this don’t come around often! **There are a few things needed to be fully finished and the owner is requesting an AS-IS purchase. Reach out to Leah Agnew for more details. 636-485-9243**

16. 2025-07-30
    price $110,000
17. 2025-07-18
    price $115,000
18. 2025-07-02
    status Active
19. 2025-03-01
    status Pending
20. 2025-01-20
    listed $125,000 Active
21. 2024-08-09
    soldstatus Closed
22. 2024-07-08
    status Pending
23. 2024-07-02
    historical Active Under Contract
24. 2024-06-24
    status Pending
25. 2024-06-17
    listed $107,000 Active
26. 2024-06-12
    historical $107,000
27. 2022-04-26
    price $29,000
28. 2021-05-13
    soldstatus $53,000
29. 1995-02-24
    soldstatus
30. 1995-02-24
    soldstatus
31. 1992-11-24
    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: $968 · $81/mo
• Projected year-2 tax: $969 · $81/mo
• Expected delta: +$1/yr ($0/mo · 0.1%)

ⓘ 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 4/10 Moderate 7 d/yr ≥107°F today · 19 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: $15,009
• − Mortgage interest: −$5,596
• − Property taxes: −$968
• − Insurance: −$500
• − Repairs & maintenance: −$1,201
• − Management: −$1,201
• − Depreciation: −$2,906
• Taxable income: $2,637
• Est. tax owed @ 24.0%: −$633
• After-tax cash flow: $3,470/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: Jennings
• NCES district ID: 2916290
• Math proficiency: 8% ▼ -16.00%
• Reading proficiency: 20% ▼ -4.00%
• Median HH income: $30,595
• Composite: 11.04/100
• National rank: #9739
• State rank: #315 of 324 in MO

Livability — Jennings

• Score: 67/100
• State rank: #208
• US rank: #10499

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jennings, 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

+88.5% since first listed

19 events — show timeline

• 2026-05-12 Price Changed $99,900 MARIS as Distributed by MLS Grid
• 2026-03-23 Price Changed $110,000 MARIS as Distributed by MLS Grid
• 2026-03-16 Listed $120,000 MARIS as Distributed by MLS Grid
• 2025-07-30 Price Changed $110,000 MARIS as Distributed by MLS Grid
• 2025-07-18 Price Changed $115,000 MARIS as Distributed by MLS Grid
• 2025-07-02 Relisted — MARIS as Distributed by MLS Grid
• 2025-03-01 Pending — MARIS as Distributed by MLS Grid
• 2025-01-20 Listed $125,000 MARIS as Distributed by MLS Grid
• 2024-08-09 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-07-08 Pending — MARIS as Distributed by MLS Grid
• 2024-07-02 Contingent — MARIS as Distributed by MLS Grid
• 2024-06-24 Pending — MARIS as Distributed by MLS Grid
• 2024-06-17 Listed $107,000 MARIS as Distributed by MLS Grid
• 2024-06-12 Coming Soon $107,000 MARIS as Distributed by MLS Grid
• 2022-04-26 Price Changed $29,000 MARIS as Distributed by MLS Grid
• 2021-05-13 Sold (Public Records) $53,000 Public Records
• 1995-02-24 Sold (Public Records) — Public Records
• 1995-02-24 Sold (Public Records) — Public Records
• 1992-11-24 Sold (Public Records) — Public Records

Property tax history

+0.2%/yr

Latest (2022): $968 · +1.5% YoY. Source: county tax records.