7801 Ellington Dr · Normandy, MO 63121

$111,000

3 bd · 1.0 ba · 1,393 sqft · SingleFamily public records · 69 Days on market

Built 1955 9,583 sqft lot $80/sqft · at area comps Est $113k · at est.

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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 +27.4/30.0
• DSCR +9.6/10.0
• ARV discount +8.3/15.0
• 1% rule +6.8/10.0
• Rent growth +3.8/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

PASSED MUNICIPAL INSPECTION. BOM at No Fault of the Seller. Corner lot home with beautiful exterior stone providing side entrance as well as front and rear entrance. NEW ROOF AND GUTTERS 2024! NEW STAINLESS-STEEL REFRIDGERATOR 2025. NEW HOT WATER HEATER July 2025. New 200-amp service line 2025. All appliances stay including stackable washer and dryer as well as the newer stainless-steel refrigerator. In addition to the living room, this ranch home includes an oversized family room with it's own exterior entrance private door. This unique large room is waiting for your transition to a gaming room, dining room, or just the perfect theater room! This Home Does NOT have a basement

Key facts

• 9,583 sq ft lot
• Built 1955
• Listed 69 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $111k.

Deal economics

• At list price, monthly cash flow is $324 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $111k).
• Recommended offer: $104k (6.0% 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); Steam Academy At Msb High Scho (math 12% / reading 62%, grade F, #291 of 521 statewide, top 60%, 437 students, 99% FRL) — zoned schools average 99% FRL vs 70% district-wide (29 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 37% at this address vs 14% district-wide (+24 pts) — the actual schools serving this property are materially stronger than the Ferguson-Florissant R-II average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+5.2%/yr); 23 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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).
• This rent runs 37% 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 $767 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 5.2% rent growth), your $31k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 69 days — a 6% lower offer ($104k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y ago; this cycle's ask has dropped $16k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1955 — 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 $104,340 (6.0% below list)

Questions for the listing agent

1. It's been on market 69 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — 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: 1.18% ✓
• Cap rate: 9.80%
• Cash-on-cash: 12.52%
• DSCR: 1.56
• GRM: 7.0

CMA / ARV

• ARV (median comp): $112,948
• List price: $111,000
• Delta: -1.73%
• 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
5515 Holborn Dr	0.21mi	3/1.0	1,320 (-5%)	3mo	$115,000	$87	79
7832 Dartmoor Dr	0.09mi	4/1.0 (+1)	1,296 (-7%)	3mo	$78,900	$61	77
7827 Skyview dr Dr	0.14mi	4/3.0 (+1)	1,374 (-1%)	11mo	$199,500	$145	69
7809 Skyview Dr	0.12mi	4/1.5 (+1)	1,324 (-5%)	13mo	$109,000	$82	68
5533 Donbar Dr	0.22mi	4/1.5 (+1)	1,282 (-8%)	2mo	$180,000	$140	68
1312 Willingham Dr	0.58mi	3/2.0	1,404 (+1%)	0mo	$135,000	$96	68
5608 Holborn Dr	0.04mi	3/1.0	1,200 (-14%)	12mo	$127,500	$106	65
107 Woodstock Rd	0.49mi	3/2.5	1,446 (+4%)	14mo	$57,500	$40	54
1213 Haley Ave	0.35mi	3/2.5	1,196 (-14%)	5mo	$95,000	$79	50
6009 Bermuda Dr	0.44mi	4/2.0 (+1)	1,575 (+13%)	1mo	$110,000	$70	48
5563 Norway Dr	0.47mi	3/1.5	1,583 (+14%)	14mo	$104,900	$66	41
926 Country Club Dr	0.64mi	2/2.0 (-1)	1,198 (-14%)	7mo	$149,900	$125	32

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 · 5.21% rent growth · sell at horizon

5-year hold

• IRR: 4.6%
• Equity multiple: 1.18×
• Total profit: $5,638
• Equity at exit: $16,550

10-year hold

• IRR: 15.9%
• Equity multiple: 2.42×
• Total profit: $44,275
• Equity at exit: $9,597

Cash invested: $31,080 (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 63121

• Rents YoY: 5.2%
• Active inventory: 23
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,315 high
• Mortgage (P&I): −$582
• Tax from tax record: −$86 /mo · $1,032/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$276
• Net cashflow: $324

Break-even live

Break-even rent $904

Max offer price $111,000

Occupancy floor 70%

Sensitivity live

Price	-10% $387	-5% $356	+0% $324	+5% $293	+10% $261
Rent	-10% $220	-5% $272	+0% $324	+5% $376	+10% $428
Rate	-1.0pp $380	-0.5pp $352	base $324	+0.5pp $295	+1.0pp $266

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: $27,750
• Closing costs: $3,330
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7816 Dartmoor Dr Saint Louis, MO	3.0	1.0	950	$1,195	$1.26	45d	1	0.08mi
7808 Winward Dr Saint Louis, MO	3.0	1.0	1434	$1,425	$0.99	23d	1	0.23mi
5925 Brand Ave Saint Louis, MO	3.0	1.0	951	$1,200	$1.26	45d	1	0.25mi
5830 Bermuda Dr Unit 30B St. Louis, MO	2.0	1.0	900	$895	$0.99	25d	1	0.26mi
6170 Emerald Ave Saint Louis, MO	3.0	1.0	1286	$1,425	$1.11	3d	1	0.70mi
6170 Emerald Ave Saint Louis, MO	3.0	1.0	1286	$1,500	$1.17	16d	1	0.70mi
846 Elsworth Pl Saint Louis, MO	4.0	1.0	1352	$1,600	$1.18	6d	1	0.70mi
6188 Dupree Ave Saint Louis, MO	3.0	1.5	972	$1,300	$1.34	45d	1	0.72mi
8408 Hill Ave Saint Louis, MO	3.0	2.0	1040	$1,550	$1.49	25d	1	0.78mi
617 Tesmore Pl Saint Louis, MO	2.0	1.0	877	$1,200	$1.37	45d	1	0.90mi
110 Paul Ave Saint Louis, MO	3.0	1.0	875	$1,025	$1.17	0d	1	1.02mi
419 S Florissant Rd Ferguson, MO	2.0	1.0	1100	$1,200	$1.09	45d	1	1.06mi
338 Saint Louis Ave Saint Louis, MO	3.0	1.0	1200	$1,200	$1.00	45d	1	1.10mi
222 Randolph Ave Saint Louis, MO	2.0	1.0	964	$1,400	$1.45	9d	1	1.12mi
296 Meadowcrest Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	16d	1	1.14mi
7420 Pleaseway Dr Saint Louis, MO	2.0	1.0	952	$1,250	$1.31	23d	1	1.16mi
709 Suburban Ave Saint Louis, MO	2.0	1.0	975	$1,400	$1.44	45d	1	1.19mi
246 Louisa Ave Saint Louis, MO	3.0	1.0	1036	$1,600	$1.54	45d	1	1.19mi
249 S Hartnett Ave Saint Louis, MO	3.0	1.0	960	$1,220	$1.27	25d	1	1.21mi
450 S Dade Ave Saint Louis, MO	2.0	1.0	1040	$1,200	$1.15	25d	1	1.23mi
360 S Harvey Ave Saint Louis, MO	2.0	1.0	936	$925	$0.99	45d	1	1.23mi
519 Graf Ave Saint Louis, MO	3.0	2.0	887	$1,297	$1.46	22d	1	1.25mi
7441 Calvin Ave Saint Louis, MO	3.0	1.0	1068	$1,350	$1.26	14d	1	1.29mi
227 Meadowcrest Dr Saint Louis, MO	3.0	1.0	960	$1,500	$1.56	45d	1	1.30mi
7426 Calvin Ave Saint Louis, MO	2.0	1.0	1100	$1,125	$1.02	19d	1	1.31mi
265 S Harvey Ave Saint Louis, MO	3.0	1.5	1240	$1,350	$1.09	45d	1	1.33mi
945 Edgehill Dr Saint Louis, MO	3.0	1.0	1110	$1,575	$1.42	45d	1	1.35mi
224 S Harvey Ave Saint Louis, MO	2.0	1.0	936	$995	$1.06	0d	1	1.43mi
7315 Albright Ave Saint Louis, MO	3.0	1.0	888	$1,150	$1.30	45d	1	1.43mi
35 S Barat Ave Saint Louis, MO	2.0	1.0	984	$1,150	$1.17	0d	1	1.45mi
5640 Sapphire Ave Saint Louis, MO	2.0	1.0	900	$1,100	$1.22	45d	1	1.45mi
2646 Terrace Ln Saint Louis, MO	3.0	2.0	1565	$1,275	$0.81	25d	1	1.48mi
2623 Avie Dr Saint Louis, MO	3.0	2.0	921	$1,350	$1.47	45d	1	1.48mi

Listing history 11 events

1. 2026-05-03
   status Pending 692-char remark

   Show marketing remark (692 chars)

   PASSED MUNICIPAL INSPECTION. BOM at No Fault of the Seller. Corner lot home with beautiful exterior stone providing side entrance as well as front and rear entrance. NEW ROOF AND GUTTERS 2024! NEW STAINLESS-STEEL REFRIDGERATOR 2025. NEW HOT WATER HEATER July 2025. New 200-amp service line 2025. All appliances stay including stackable washer and dryer as well as the newer stainless-steel refrigerator. In addition to the living room, this ranch home includes an oversized family room with it's own exterior entrance private door. This unique large room is waiting for your transition to a gaming room, dining room, or just the perfect theater room! This Home Does NOT have a basement

2. 2026-04-27
   status Active 692-char remark

   Show marketing remark (692 chars)

   PASSED MUNICIPAL INSPECTION. BOM at No Fault of the Seller. Corner lot home with beautiful exterior stone providing side entrance as well as front and rear entrance. NEW ROOF AND GUTTERS 2024! NEW STAINLESS-STEEL REFRIDGERATOR 2025. NEW HOT WATER HEATER July 2025. New 200-amp service line 2025. All appliances stay including stackable washer and dryer as well as the newer stainless-steel refrigerator. In addition to the living room, this ranch home includes an oversized family room with it's own exterior entrance private door. This unique large room is waiting for your transition to a gaming room, dining room, or just the perfect theater room! This Home Does NOT have a basement

3. 2026-02-28
   status Pending 692-char remark

   Show marketing remark (692 chars)

   PASSED MUNICIPAL INSPECTION. BOM at No Fault of the Seller. Corner lot home with beautiful exterior stone providing side entrance as well as front and rear entrance. NEW ROOF AND GUTTERS 2024! NEW STAINLESS-STEEL REFRIDGERATOR 2025. NEW HOT WATER HEATER July 2025. New 200-amp service line 2025. All appliances stay including stackable washer and dryer as well as the newer stainless-steel refrigerator. In addition to the living room, this ranch home includes an oversized family room with it's own exterior entrance private door. This unique large room is waiting for your transition to a gaming room, dining room, or just the perfect theater room! This Home Does NOT have a basement

4. 2026-02-27
   price $111,000 692-char remark

   Show marketing remark (692 chars)

   PASSED MUNICIPAL INSPECTION. BOM at No Fault of the Seller. Corner lot home with beautiful exterior stone providing side entrance as well as front and rear entrance. NEW ROOF AND GUTTERS 2024! NEW STAINLESS-STEEL REFRIDGERATOR 2025. NEW HOT WATER HEATER July 2025. New 200-amp service line 2025. All appliances stay including stackable washer and dryer as well as the newer stainless-steel refrigerator. In addition to the living room, this ranch home includes an oversized family room with it's own exterior entrance private door. This unique large room is waiting for your transition to a gaming room, dining room, or just the perfect theater room! This Home Does NOT have a basement

5. 2025-12-27
   listed $127,000 Active 692-char remark

   Show marketing remark (692 chars)

   PASSED MUNICIPAL INSPECTION. BOM at No Fault of the Seller. Corner lot home with beautiful exterior stone providing side entrance as well as front and rear entrance. NEW ROOF AND GUTTERS 2024! NEW STAINLESS-STEEL REFRIDGERATOR 2025. NEW HOT WATER HEATER July 2025. New 200-amp service line 2025. All appliances stay including stackable washer and dryer as well as the newer stainless-steel refrigerator. In addition to the living room, this ranch home includes an oversized family room with it's own exterior entrance private door. This unique large room is waiting for your transition to a gaming room, dining room, or just the perfect theater room! This Home Does NOT have a basement

6. 2025-12-26
   historical $127,000 692-char remark

   Show marketing remark (692 chars)

   PASSED MUNICIPAL INSPECTION. BOM at No Fault of the Seller. Corner lot home with beautiful exterior stone providing side entrance as well as front and rear entrance. NEW ROOF AND GUTTERS 2024! NEW STAINLESS-STEEL REFRIDGERATOR 2025. NEW HOT WATER HEATER July 2025. New 200-amp service line 2025. All appliances stay including stackable washer and dryer as well as the newer stainless-steel refrigerator. In addition to the living room, this ranch home includes an oversized family room with it's own exterior entrance private door. This unique large room is waiting for your transition to a gaming room, dining room, or just the perfect theater room! This Home Does NOT have a basement

7. 2017-01-24
   soldstatus Closed 214-char remark

   Show marketing remark (214 chars)

   Come see this spacious ranch style home sitting on fenced corner lot. There are 3 bedrooms, 1 bathroom, main floor laundry and eat in kitchen. Home has off street parking and is convenient to highways and airport.

8. 2017-01-11
   status Pending 214-char remark

   Show marketing remark (214 chars)

   Come see this spacious ranch style home sitting on fenced corner lot. There are 3 bedrooms, 1 bathroom, main floor laundry and eat in kitchen. Home has off street parking and is convenient to highways and airport.

9. 2016-12-29
   price $16,000 214-char remark

   Show marketing remark (214 chars)

   Come see this spacious ranch style home sitting on fenced corner lot. There are 3 bedrooms, 1 bathroom, main floor laundry and eat in kitchen. Home has off street parking and is convenient to highways and airport.

10. 2016-10-10
    listed $22,000 Active 214-char remark

    Show marketing remark (214 chars)

    Come see this spacious ranch style home sitting on fenced corner lot. There are 3 bedrooms, 1 bathroom, main floor laundry and eat in kitchen. Home has off street parking and is convenient to highways and airport.

11. 1993-09-27
    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: $1,032 · $86/mo
• Projected year-2 tax: $1,077 · $90/mo
• Expected delta: +$44/yr (+$4/mo · 4.3%)

ⓘ 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: $15,776
• − Mortgage interest: −$6,218
• − Property taxes: −$1,032
• − Insurance: −$555
• − Repairs & maintenance: −$1,262
• − Management: −$1,262
• − Depreciation: −$3,229
• Taxable income: $2,218
• Est. tax owed @ 24.0%: −$532
• After-tax cash flow: $3,358/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): 25,008
• Household income: $42,701
• Rent vs Own: 48.4% rent · 51.6% own
• Severe rent burden: 1611.0

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 (80%)
• Race & ethnicity: Black 80% White 14% Two or more races 4% Hispanic / Latino 2% Asian 2%
• Common ancestry: Lithuanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 2% Other Indo-European 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: ▼ -177.84%
• Current HPI: 100.4494
• Rent YoY: ▲ 5.21%
• 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

+404.5% since first listed

11 events — show timeline

• 2026-05-03 Pending — MARIS as Distributed by MLS Grid
• 2026-04-27 Relisted — MARIS as Distributed by MLS Grid
• 2026-02-28 Pending — MARIS as Distributed by MLS Grid
• 2026-02-27 Price Changed $111,000 MARIS as Distributed by MLS Grid
• 2025-12-27 Listed $127,000 MARIS as Distributed by MLS Grid
• 2025-12-26 Coming Soon $127,000 MARIS as Distributed by MLS Grid
• 2017-01-24 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2017-01-11 Pending — MARIS as Distributed by MLS Grid
• 2016-12-29 Price Changed $16,000 MARIS as Distributed by MLS Grid
• 2016-10-10 Listed $22,000 MARIS as Distributed by MLS Grid
• 1993-09-27 Sold (Public Records) — Public Records

Property tax history

-3.1%/yr

Latest (2022): $1,032 · +0.3% YoY. Source: county tax records.