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9776 Dennis Dr
A- Composite 80.29
Why this score? — see what drove the A- 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 +8.8/10.0
  • Appreciation +6.9/10.0
  • Rent growth +3.7/5.0
  • Livability +2.9/5.0
  • Condition / age +2.5/5.0
  • Schools +0.4/10.0

$89,000

9776 Dennis Dr · Ferguson, MO 63136
2 bd · 1.0 ba · 1,133 sqft · SingleFamily public records · 150 Days on market
Built 1952 7,501 sqft lot $79/sqft · 18% below area Est $108k · 18% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This one-level ranch home offers convenience and affordability! Low-maintenance and durable plank floors flow throughout the home, including the comfortable family room with a big picture window filling the space with warm natural light. The spacious kitchen has room for a dining table and provides plenty of space for the chef to create. Down the hall are three nicely-sized bedrooms, a well appointed full bath and convenient laundry room. Large, level yard provides space for everyone to play. Easy access to shopping, dining and conveniences as well as I-270/70 to get anywhere. This lovely home could be a great opportunity for someone tired of paying rent or for an investor looking for a great income property. See it today!

Key facts

  • Large level yard
  • Plank floors
  • Big picture window

Tags

PLANK FLOORSBIG PICTURE WINDOWSPACIOUS KITCHENWELL APPOINTED FULL BATHLAUNDRY ROOMLARGE LEVEL YARD

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $89k.

Deal economics

  • At list price, monthly cash flow is $385 ($5k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $89k).
  • Recommended offer: $78k (12.0% below list) — sets the bar for market timing.
  • Cap rate 11.5% vs local median 8.9% in Ferguson — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads 58/100 on livability (#586 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: health & safety C-, crime F, amenities 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.
  • Zoned schools: Riverview Gardens Sr. High (math 2% / reading 18%, grade F, #501 of 521 statewide, top 97%, 1,331 students, 100% FRL).
  • Market conditions: Rents rising fast (+5.0%/yr); 376 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).

Forward outlook

  • In year one you build about $4k of equity ($615 loan paydown + $3k appreciation (3.8% local appreciation)).
  • At projected returns (3.8% appreciation + 5.0% rent growth), your $25k cash investment doubles in ~3 years — after that, you're playing with house money.
  • By year 9, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 150 days — a 12% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
  • 5 sale attempts since 10y ago; this cycle's ask has dropped $21k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $61k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: built in 1952 — 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 $78,320 (12.0% below list)

Questions for the listing agent

  1. It's been on market 150 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1952 — 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 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?
  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
1.38%
Cap rate
11.49%
Cash-on-cash
18.54%
DSCR
1.83
GRM
6.0

CMA / ARV

ARV (median comp)
$108,158
List price
$89,000
Delta
-17.71%
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
1523 Fir Dr 0.10mi 3/1.0 (+1) 1,144 (+1%) 2mo $45,000 $39 86
9863 Eastdell Dr 0.25mi 3/1.0 (+1) 1,126 (-1%) 1mo $139,900 $124 81
9724 Dennis Dr 0.15mi 3/1.0 (+1) 1,056 (-7%) 2mo $89,900 $85 76
9701 Glen Owen Dr 0.37mi 3/1.5 (+1) 1,120 (-1%) 3mo $69,900 $62 72
4 S Dellwood Ave 0.50mi 2/1.0 1,086 (-4%) 2mo $98,900 $91 68
9866 Dennis Dr 0.26mi 3/1.0 (+1) 1,032 (-9%) 3mo $124,900 $121 66
100 Florwood Ct 0.35mi 3/1.0 (+1) 1,004 (-11%) 3mo $79,900 $80 57
1719 Newhall Ct 0.31mi 3/1.0 (+1) 975 (-14%) 0mo $120,000 $123 57
125 Forestwood Dr 0.60mi 3/1.0 (+1) 1,032 (-9%) 3mo $77,900 $75 50
9739 Balboa Dr 0.55mi 3/1.0 (+1) 999 (-12%) 1mo $76,900 $77 48
9614 Winkler Dr 0.66mi 3/1.0 (+1) 1,020 (-10%) 1mo $125,000 $123 46
9305 Scottdale Ave 0.69mi 3/2.0 (+1) 1,280 (+13%) 3mo $60,000 $47 35

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
27.9%
Equity multiple
2.67×
Total profit
$41,516
Equity at exit
$44,036
10-year hold
IRR
28.7%
Equity multiple
5.53×
Total profit
$112,854
Equity at exit
$71,170

Cash invested: $24,920 (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.

ZIP-level market 63136

Home prices YoY
0.9%
Rents YoY
5.0%
Active inventory
376
Price-to-rent
6.0×

Monthly cashflow live

Estimated rent
$1,231 high interval (Pro) →
Mortgage (P&I)
$467
Tax from tax record
$84 /mo · $1,004/yr
Insurance
$37
HOA
$0
Vacancy / Maint / Mgmt
$259
Net cashflow
$385

Break-even live

Break-even rent $744
Max offer price $89,000
Occupancy floor 64%

Sensitivity live

Price -10% $435 -5% $410 +0% $385 +5% $360 +10% $335
Rent -10% $288 -5% $336 +0% $385 +5% $434 +10% $482
Rate -1.0pp $430 -0.5pp $408 base $385 +0.5pp $362 +1.0pp $339

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
$22,250
Closing costs
$2,670
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
9750 Lorna Ln Saint Louis, MO 3.0 1.0 1032 $1,100 $1.07 45d 1 0.09mi
9725 Medford Dr Saint Louis, MO 3.0 1.0 912 $1,485 $1.63 45d 1 0.14mi
9717 Dennis Dr Saint Louis, MO 3.0 1.0 1056 $1,323 $1.25 45d 1 0.18mi
9845 Dennis Dr Saint Louis, MO 3.0 1.0 1251 $1,200 $0.96 0d 1 0.19mi
9845 Dennis Dr Saint Louis, MO 3.0 1.0 960 $1,550 $1.61 14d 1 0.19mi
9839 Medford Dr Saint Louis, MO 3.0 1.0 912 $1,095 $1.20 45d 1 0.20mi
9850 Dennis Dr Saint Louis, MO 2.0 1.0 1032 $1,175 $1.14 45d 1 0.21mi
9840 Medford Dr Saint Louis, MO 3.0 1.0 912 $1,095 $1.20 45d 1 0.24mi
1733 Kappel Ave Saint Louis, MO 3.0 1.0 912 $1,250 $1.37 25d 1 0.25mi
9868 Lorna Ln Saint Louis, MO 3.0 1.0 1032 $1,175 $1.14 45d 1 0.28mi
1550 Northwinds Estates Dr St. Louis, MO 1.0–2.0 1.0–1.5 877 $1,050 $1.20 45d 1 0.34mi
2974 Coppercreek Rd St. Louis, MO 1.0–2.0 1.0 705 $895 $1.27 0d 6 0.44mi
10032 Neville Walk Unit 10016C St. Louis, MO 1.0 1.0 720 $855 $1.19 0d 1 0.45mi
9547 Glen Owen Dr Saint Louis, MO 2.0 1.0 923 $985 $1.07 25d 1 0.48mi
9709 Balboa Dr Saint Louis, MO 3.0 1.0 1000 $1,600 $1.60 45d 1 0.54mi
9823 Winkler Dr Saint Louis, MO 2.0 1.0 788 $900 $1.14 45d 1 0.58mi
9823 Winkler Dr Saint Louis, MO 2.0 1.0 788 $900 $1.14 0d 1 0.58mi
9827 Winkler Dr Saint Louis, MO 3.0 1.0 864 $1,450 $1.68 9d 1 0.59mi
1654 Mowbry Ln Saint Louis, MO 3.0 1.0 936 $1,300 $1.39 25d 1 0.61mi
104 Fenwick Dr Saint Louis, MO 3.0 1.0 960 $1,250 $1.30 25d 1 0.68mi
945 Edgehill Dr Saint Louis, MO 3.0 1.0 1110 $1,575 $1.42 45d 1 0.79mi
2008 Kappel Dr Saint Louis, MO 3.0 1.0 858 $1,175 $1.37 25d 1 0.79mi
10078 Green Valley Dr Saint Louis, MO 3.0 1.0 900 $1,325 $1.47 9d 1 0.84mi
10124 Winkler Dr Saint Louis, MO 2.0 1.0 792 $1,400 $1.77 5d 1 0.85mi
227 Meadowcrest Dr Saint Louis, MO 3.0 1.0 960 $1,500 $1.56 45d 1 0.92mi
296 Meadowcrest Dr Saint Louis, MO 3.0 1.0 960 $1,550 $1.61 16d 1 0.93mi
10128 Cloverdale Dr Saint Louis, MO 2.0 1.0 792 $1,000 $1.26 0d 1 0.94mi
10128 Cloverdale Dr Saint Louis, MO 2.0 1.0 792 $1,000 $1.26 25d 1 0.94mi
10128 Cloverdale Dr Saint Louis, MO 2.0 1.0 792 $1,000 $1.26 45d 1 0.94mi
1547 Babcock Dr Saint Louis, MO 3.0 1.0 1014 $1,480 $1.46 45d 1 0.95mi
10304 Bon Oak Dr Saint Louis, MO 3.0 1.5 1500 $1,250 $0.83 45d 1 0.98mi
249 S Hartnett Ave Saint Louis, MO 3.0 1.0 960 $1,220 $1.27 25d 1 1.00mi
502 Averill Ave Saint Louis, MO 2.0 1.0 840 $1,250 $1.49 45d 1 1.00mi
8908 Scottdale Ave Jennings, MO 2.0 1.0 790 $1,000 $1.27 45d 1 1.00mi
338 La Motte Ln Saint Louis, MO 2.0 1.0 904 $1,150 $1.27 0d 1 1.04mi
338 La Motte Ln Saint Louis, MO 2.0 1.0 904 $1,150 $1.27 45d 1 1.04mi
13 N Hartnett Ave Saint Louis, MO 3.0 1.0 1140 $1,400 $1.23 12d 1 1.04mi
10329 Chesley Dr Saint Louis, MO 3.0 1.0 1014 $1,350 $1.33 25d 1 1.04mi
10129 Cavalier Ct Saint Louis, MO 3.0 1.5 912 $1,250 $1.37 25d 1 1.05mi
10239 Green Valley Dr Saint Louis, MO 3.0 1.0 1014 $1,395 $1.38 25d 1 1.05mi

Listing history 37 events

  1. 2026-06-21
    days on market $89,000 Active 150 DOM
  2. 2026-06-18
    days on market $89,000 Active 147 DOM
  3. 2026-06-17
    days on market $89,000 Active 146 DOM
  4. 2026-06-16
    days on market $89,000 Active 145 DOM
  5. 2026-06-15
    days on market $89,000 Active 144 DOM
  6. 2026-06-13
    days on market $89,000 Active 142 DOM
  7. 2026-06-13
    days on market $89,000 Active 141 DOM
  8. 2026-06-09
    days on market $89,000 Active 138 DOM
  9. 2026-06-08
    days on market $89,000 Active 137 DOM
  10. 2026-06-07
    days on market $89,000 Active 136 DOM
  11. 2026-06-05
    days on market $89,000 Active 133 DOM
  12. 2026-06-03
    days on market $89,000 Active 132 DOM
  13. 2026-06-02
    days on market $89,000 Active 131 DOM
  14. 2026-06-01
    days on market $89,000 Active 130 DOM
  15. 2026-05-31
    days on market $89,000 Active 129 DOM
  16. 2026-05-15
    status Pending 732-char remark
    Show marketing remark (732 chars)

    This one-level ranch home offers convenience and affordability! Low-maintenance and durable plank floors flow throughout the home, including the comfortable family room with a big picture window filling the space with warm natural light. The spacious kitchen has room for a dining table and provides plenty of space for the chef to create. Down the hall are three nicely-sized bedrooms, a well appointed full bath and convenient laundry room. Large, level yard provides space for everyone to play. Easy access to shopping, dining and conveniences as well as I-270/70 to get anywhere. This lovely home could be a great opportunity for someone tired of paying rent or for an investor looking for a great income property. See it today!

  17. 2026-05-07
    price $89,000 732-char remark
    Show marketing remark (732 chars)

    This one-level ranch home offers convenience and affordability! Low-maintenance and durable plank floors flow throughout the home, including the comfortable family room with a big picture window filling the space with warm natural light. The spacious kitchen has room for a dining table and provides plenty of space for the chef to create. Down the hall are three nicely-sized bedrooms, a well appointed full bath and convenient laundry room. Large, level yard provides space for everyone to play. Easy access to shopping, dining and conveniences as well as I-270/70 to get anywhere. This lovely home could be a great opportunity for someone tired of paying rent or for an investor looking for a great income property. See it today!

  18. 2026-02-18
    price $100,000 732-char remark
    Show marketing remark (732 chars)

    This one-level ranch home offers convenience and affordability! Low-maintenance and durable plank floors flow throughout the home, including the comfortable family room with a big picture window filling the space with warm natural light. The spacious kitchen has room for a dining table and provides plenty of space for the chef to create. Down the hall are three nicely-sized bedrooms, a well appointed full bath and convenient laundry room. Large, level yard provides space for everyone to play. Easy access to shopping, dining and conveniences as well as I-270/70 to get anywhere. This lovely home could be a great opportunity for someone tired of paying rent or for an investor looking for a great income property. See it today!

  19. 2026-01-12
    listed $110,000 Active 732-char remark
    Show marketing remark (732 chars)

    This one-level ranch home offers convenience and affordability! Low-maintenance and durable plank floors flow throughout the home, including the comfortable family room with a big picture window filling the space with warm natural light. The spacious kitchen has room for a dining table and provides plenty of space for the chef to create. Down the hall are three nicely-sized bedrooms, a well appointed full bath and convenient laundry room. Large, level yard provides space for everyone to play. Easy access to shopping, dining and conveniences as well as I-270/70 to get anywhere. This lovely home could be a great opportunity for someone tired of paying rent or for an investor looking for a great income property. See it today!

  20. 2023-10-09
    status Pending 988-char remark
    Show marketing remark (988 chars)

    Welcome to 9776 Dennis Drive! This charming house is now available for sale, offering a comfortable and inviting space for its future owners. With 3 bedrooms and 1 bathroom, this property provides ample room for a variety of lifestyles. As you step inside, you'll notice the fresh paint that adds a touch of modernity to the interior. The newer flooring not only enhances the aesthetic appeal but also ensures durability and ease of maintenance. The 1133 square feet of living space allows for flexibility in arranging furniture and personalizing each room to your liking. this property offers convenience and accessibility. Nearby amenities include shopping centers, restaurants, parks, and schools, ensuring that everything you need is just a short distance away. This property presents an excellent opportunity for first-time homebuyers, growing families, or anyone looking to invest in a comfortable and well-maintained house. Don't miss out on the chance to make this house your own!

  21. 2023-10-05
    soldstatus Closed 988-char remark
    Show marketing remark (988 chars)

    Welcome to 9776 Dennis Drive! This charming house is now available for sale, offering a comfortable and inviting space for its future owners. With 3 bedrooms and 1 bathroom, this property provides ample room for a variety of lifestyles. As you step inside, you'll notice the fresh paint that adds a touch of modernity to the interior. The newer flooring not only enhances the aesthetic appeal but also ensures durability and ease of maintenance. The 1133 square feet of living space allows for flexibility in arranging furniture and personalizing each room to your liking. this property offers convenience and accessibility. Nearby amenities include shopping centers, restaurants, parks, and schools, ensuring that everything you need is just a short distance away. This property presents an excellent opportunity for first-time homebuyers, growing families, or anyone looking to invest in a comfortable and well-maintained house. Don't miss out on the chance to make this house your own!

  22. 2023-09-02
    historical Active Under Contract 988-char remark
    Show marketing remark (988 chars)

    Welcome to 9776 Dennis Drive! This charming house is now available for sale, offering a comfortable and inviting space for its future owners. With 3 bedrooms and 1 bathroom, this property provides ample room for a variety of lifestyles. As you step inside, you'll notice the fresh paint that adds a touch of modernity to the interior. The newer flooring not only enhances the aesthetic appeal but also ensures durability and ease of maintenance. The 1133 square feet of living space allows for flexibility in arranging furniture and personalizing each room to your liking. this property offers convenience and accessibility. Nearby amenities include shopping centers, restaurants, parks, and schools, ensuring that everything you need is just a short distance away. This property presents an excellent opportunity for first-time homebuyers, growing families, or anyone looking to invest in a comfortable and well-maintained house. Don't miss out on the chance to make this house your own!

  23. 2023-08-26
    listed $89,000 Active 988-char remark
    Show marketing remark (988 chars)

    Welcome to 9776 Dennis Drive! This charming house is now available for sale, offering a comfortable and inviting space for its future owners. With 3 bedrooms and 1 bathroom, this property provides ample room for a variety of lifestyles. As you step inside, you'll notice the fresh paint that adds a touch of modernity to the interior. The newer flooring not only enhances the aesthetic appeal but also ensures durability and ease of maintenance. The 1133 square feet of living space allows for flexibility in arranging furniture and personalizing each room to your liking. this property offers convenience and accessibility. Nearby amenities include shopping centers, restaurants, parks, and schools, ensuring that everything you need is just a short distance away. This property presents an excellent opportunity for first-time homebuyers, growing families, or anyone looking to invest in a comfortable and well-maintained house. Don't miss out on the chance to make this house your own!

  24. 2023-08-23
    historical $89,000 988-char remark
    Show marketing remark (988 chars)

    Welcome to 9776 Dennis Drive! This charming house is now available for sale, offering a comfortable and inviting space for its future owners. With 3 bedrooms and 1 bathroom, this property provides ample room for a variety of lifestyles. As you step inside, you'll notice the fresh paint that adds a touch of modernity to the interior. The newer flooring not only enhances the aesthetic appeal but also ensures durability and ease of maintenance. The 1133 square feet of living space allows for flexibility in arranging furniture and personalizing each room to your liking. this property offers convenience and accessibility. Nearby amenities include shopping centers, restaurants, parks, and schools, ensuring that everything you need is just a short distance away. This property presents an excellent opportunity for first-time homebuyers, growing families, or anyone looking to invest in a comfortable and well-maintained house. Don't miss out on the chance to make this house your own!

  25. 2022-09-21
    soldstatus $61,000
  26. 2022-09-15
    soldstatus Closed
  27. 2022-08-20
    status Pending
  28. 2022-07-03
    status Active
  29. 2022-05-09
    status Pending
  30. 2022-04-11
    listed $64,900 Active
  31. 2017-03-08
    soldstatus $34,300
  32. 2016-04-26
    soldstatus Closed
  33. 2016-04-06
    historical
  34. 2016-03-22
    historical Contingent (No Kickout)
  35. 2016-03-15
    listed $10,750 Active
  36. 2005-01-13
    soldstatus $61,000
  37. 1999-09-20
    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
$1,004 · $84/mo
Projected year-2 tax
$1,004 · $84/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 ≥106°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

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$14,773
− Mortgage interest
−$4,985
− Property taxes
−$1,004
− Insurance
−$445
− Repairs & maintenance
−$1,182
− Management
−$1,182
− Depreciation
−$2,589
Taxable income
$3,386
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$813
After-tax cash flow
$3,809/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 — Ferguson

Score
58/100
State rank
#586
US rank
#20809

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Saint Louis County · 888,823 people
City population
18,381
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

Price history

+45.9% since first listed
22 events — show timeline
  • 2026-05-15 Pending MARIS as Distributed by MLS Grid
  • 2026-05-07 Price Changed $89,000 MARIS as Distributed by MLS Grid
  • 2026-02-18 Price Changed $100,000 MARIS as Distributed by MLS Grid
  • 2026-01-12 Listed $110,000 MARIS as Distributed by MLS Grid
  • 2023-10-09 Pending MARIS as Distributed by MLS Grid
  • 2023-10-05 Sold (MLS) MARIS as Distributed by MLS Grid
  • 2023-09-02 Contingent MARIS as Distributed by MLS Grid
  • 2023-08-26 Listed $89,000 MARIS as Distributed by MLS Grid
  • 2023-08-23 Coming Soon $89,000 MARIS as Distributed by MLS Grid
  • 2022-09-21 Sold (Public Records) $61,000 Public Records
  • 2022-09-15 Sold (MLS) MARIS as Distributed by MLS Grid
  • 2022-08-20 Pending MARIS as Distributed by MLS Grid
  • 2022-07-03 Relisted MARIS as Distributed by MLS Grid
  • 2022-05-09 Pending MARIS as Distributed by MLS Grid
  • 2022-04-11 Listed $64,900 MARIS as Distributed by MLS Grid
  • 2017-03-08 Sold (Public Records) $34,300 Public Records
  • 2016-04-26 Sold (MLS) MARIS as Distributed by MLS Grid
  • 2016-04-06 Delisted MARIS as Distributed by MLS Grid
  • 2016-03-22 Contingent MARIS as Distributed by MLS Grid
  • 2016-03-15 Listed $10,750 MARIS as Distributed by MLS Grid
  • 2005-01-13 Sold (Public Records) $61,000 Public Records
  • 1999-09-20 Sold (Public Records) Public Records

Property tax history

+0.7%/yr

Latest (2022): $1,004 · +0.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…