6009 Bermuda Dr · Normandy, MO 63135

$110,000

3 bd · 1.0 ba · 1,575 sqft · SingleFamily public records · 16 Days on market

Built 1952 0.41 ac lot Est $143k · 23% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.6/10.0
• Rent growth +4.8/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Attention All Buyers! Check this Beautiful house out! Just Renovated! Brick home with fireplace, updated kitchen with dishwasher, disposal, electric range, refrigerator. Finished Walk-Out Basement! You won't be disappointed! Stop by today!!!

Key facts

• 0.41 acre lot
• 2 garage spots
• Built 1952

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $424 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Recommended offer: $108k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#290 in MO) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, crime F, amenities F.
• Ferguson-Florissant R-II (suburban): math 7% / reading 20% proficiency, ranked #311 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Bermuda Elementary (143 students, 98% FRL); Mccluer High (math 0% / reading 17%, grade F, #511 of 521 statewide, top 98%, 1,181 students, 100% FRL) — zoned schools average 99% FRL vs 70% district-wide (29 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+9.0%/yr); 165 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• This rent runs 34% of the median local income ($52k/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 $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $31k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($108k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 13y 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.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $108,350 (1.5% below list)

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 1.36% ✓
• Cap rate: 10.92%
• Cash-on-cash: 16.53%
• DSCR: 1.74
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $143,325
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6009 Bermuda Dr	0.00mi	4/2.0 (+1)	1,575 (0%)	1mo	$110,000	$70	90
6202 Dupree Ave	0.35mi	3/2.0	1,568 (-0%)	15mo	$115,000	$73	67
5909 Annex Ct	0.15mi	4/1.0 (+1)	1,785 (+13%)	0mo	$169,900	$95	65
107 Woodstock Rd	0.27mi	3/2.5	1,446 (-8%)	13mo	$57,500	$40	56
1312 Willingham Dr	0.65mi	3/2.0	1,404 (-11%)	0mo	$135,000	$96	47
1207 Weleba Ave	0.33mi	4/1.5 (+1)	1,424 (-10%)	18mo	$129,900	$91	46
335 St Louis Ave	0.74mi	3/1.5	1,456 (-8%)	12mo	$155,000	$106	41
5500 Winchelsea Dr	0.66mi	4/1.0 (+1)	1,488 (-6%)	20mo	$45,000	$30	38
210 Ruggles Rd	0.60mi	3/2.0	1,459 (-7%)	23mo	$175,000	$120	37
5518 Winchelsea Dr	0.62mi	3/3.0	1,464 (-7%)	22mo	$4,250	$3	32
7827 Skyview dr Dr	0.57mi	4/3.0 (+1)	1,374 (-13%)	11mo	$199,500	$145	30
7549 Norwalk Ln	0.74mi	3/2.0	1,745 (+11%)	20mo	$149,900	$86	27

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 13.2%
• Equity multiple: 1.56×
• Total profit: $17,118
• Equity at exit: $16,401

10-year hold

• IRR: 25.6%
• Equity multiple: 3.78×
• Total profit: $85,717
• Equity at exit: $9,511

Cash invested: $30,800 (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 63135

• Rents YoY: 9.0%
• Active inventory: 165
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,494 high
• Mortgage (P&I): −$577
• Tax from tax record: −$133 /mo · $1,594/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$314
• Net cashflow: $424

Break-even live

Break-even rent $956

Max offer price $110,000

Occupancy floor 67%

Sensitivity live

Price	-10% $487	-5% $456	+0% $424	+5% $393	+10% $362
Rent	-10% $306	-5% $365	+0% $424	+5% $483	+10% $542
Rate	-1.0pp $480	-0.5pp $452	base $424	+0.5pp $396	+1.0pp $367

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6170 Emerald Ave Saint Louis, MO	3.0	1.0	1286	$1,500	$1.17	16d	1	0.27mi
6170 Emerald Ave Saint Louis, MO	3.0	1.0	1286	$1,425	$1.11	3d	1	0.27mi
846 Elsworth Pl Saint Louis, MO	4.0	1.0	1352	$1,600	$1.18	5d	1	0.46mi
7808 Winward Dr Saint Louis, MO	3.0	1.0	1434	$1,425	$0.99	23d	1	0.65mi
338 Saint Louis Ave Saint Louis, MO	3.0	1.0	1200	$1,200	$1.00	45d	1	0.72mi
419 S Florissant Rd Ferguson, MO	2.0	1.0	1100	$1,200	$1.09	45d	1	0.74mi
299 Dashwood Dr Saint Louis, MO	3.0	2.0	1920	$1,575	$0.82	25d	1	0.75mi
945 Edgehill Dr Saint Louis, MO	3.0	1.0	1110	$1,575	$1.42	45d	1	0.92mi
1006 Highmont Dr Saint Louis, MO	3.0	1.0	1920	$1,550	$0.81	45d	1	0.96mi
265 S Harvey Ave Saint Louis, MO	3.0	1.5	1240	$1,350	$1.09	45d	1	1.15mi
13 N Hartnett Ave Saint Louis, MO	3.0	1.0	1140	$1,400	$1.23	12d	1	1.16mi
406 Tiffin Ave Ferguson, MO	4.0	1.0	1888	$1,525	$0.81	45d	1	1.16mi
7441 Calvin Ave Saint Louis, MO	3.0	1.0	1068	$1,350	$1.26	13d	1	1.30mi
324 Emmett Ave Saint Louis, MO	3.0	2.0	1357	$1,650	$1.22	25d	1	1.31mi
7426 Calvin Ave Saint Louis, MO	2.0	1.0	1100	$1,125	$1.02	19d	1	1.33mi
9717 Dennis Dr Saint Louis, MO	3.0	1.0	1056	$1,323	$1.25	45d	1	1.36mi
25 S Dellwood Ave Saint Louis, MO	3.0	1.0	1944	$1,600	$0.82	45d	1	1.36mi
8824 Huiskamp Ave Saint Louis, MO	4.0	1.0	1548	$1,200	$0.78	25d	1	1.36mi
2646 Terrace Ln Saint Louis, MO	3.0	2.0	1565	$1,275	$0.81	25d	1	1.37mi

Listing history 12 events

1. 2026-04-12
   status Pending
2. 2026-03-28
   listed $110,000 Active
3. 2026-03-27
   historical $110,000
4. 2015-09-01
   soldstatus $19,500,437
5. 2013-06-19
   soldstatus $50,000
6. 2013-06-10
   soldstatus 242-char remark

   Show marketing remark (242 chars)

   Attention All Buyers! Check this Beautiful house out! Just Renovated! Brick home with fireplace, updated kitchen with dishwasher, disposal, electric range, refrigerator. Finished Walk-Out Basement! You won't be disappointed! Stop by today!!!

7. 2013-03-07
   listed $65,000 242-char remark

   Show marketing remark (242 chars)

   Attention All Buyers! Check this Beautiful house out! Just Renovated! Brick home with fireplace, updated kitchen with dishwasher, disposal, electric range, refrigerator. Finished Walk-Out Basement! You won't be disappointed! Stop by today!!!

8. 2006-12-14
   soldstatus $38,500
9. 1999-08-27
   soldstatus $76,000
10. 1995-08-16
    soldstatus
11. 1994-01-05
    soldstatus $40,000
12. 1994-01-01
    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: $1,594 · $133/mo
• Projected year-2 tax: $1,594 · $133/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 4/10 Moderate 7 d/yr ≥107°F today · 20 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: $17,923
• − Mortgage interest: −$6,162
• − Property taxes: −$1,594
• − Insurance: −$550
• − Repairs & maintenance: −$1,434
• − Management: −$1,434
• − Depreciation: −$3,200
• Taxable income: $3,549
• Est. tax owed @ 24.0%: −$852
• After-tax cash flow: $4,241/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: Ferguson-Florissant R-II
• NCES district ID: 2912010
• Math proficiency: 7% ▼ -9.00%
• Reading proficiency: 20% ▼ -6.00%
• Median HH income: $44,610
• Composite: 11.96/100
• National rank: #9666
• State rank: #311 of 324 in MO

Livability — Normandy

• Score: 65/100
• State rank: #290
• US rank: #13498

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Normandy, MO
• County: Saint Louis County · 888,823 people
• City population: 25,008
• Metro: St. Louis, MO-IL
• Population (ZIP): 18,381
• Household income: $52,328
• Rent vs Own: 45.8% rent · 54.2% own
• Severe rent burden: 957.0

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 (66%)
• Race & ethnicity: Black 66% White 28% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 1% Iranian 1% Romanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 4%

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: ▼ -152.56%
• Current HPI: 138.6781
• Rent YoY: ▲ 9.03%
• 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

+175.0% since first listed

12 events — show timeline

• 2026-04-12 Pending — MARIS as Distributed by MLS Grid
• 2026-03-28 Listed $110,000 MARIS as Distributed by MLS Grid
• 2026-03-27 Coming Soon $110,000 MARIS as Distributed by MLS Grid
• 2015-09-01 Sold (Public Records) $19,500,437 Public Records
• 2013-06-19 Sold (Public Records) $50,000 Public Records
• 2013-06-10 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2013-03-07 Listed $65,000 MARIS as Distributed by MLS Grid
• 2006-12-14 Sold (Public Records) $38,500 Public Records
• 1999-08-27 Sold (Public Records) $76,000 Public Records
• 1995-08-16 Sold (Public Records) — Public Records
• 1994-01-05 Sold (Public Records) $40,000 Public Records
• 1994-01-01 Sold (Public Records) — Public Records

Property tax history

+4.9%/yr

Latest (2022): $1,594 · +0.3% YoY. Source: county tax records.