2214 Mccausland Ave · St. Louis, MO 63143

$235,000

4 bd · 2.5 ba · 2,244 sqft · SingleFamily public records · 1 Days on market

Built 1913 10,358 sqft lot Est $442k · 47% 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 +28.8/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.9/10.0
• Rent growth +3.4/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks

Must-see 4-bedroom, 2-bath home offering plenty of space and desirable features! You'll love the beautiful wood floors, spacious kitchen and dining area, convenient main-floor laundry, and a main-floor bedroom with a full bath. Upstairs, you'll find three additional bedrooms, another full bath, and a versatile bonus room perfect for a home office, playroom, or hobby space. Don't miss your opportunity to make this home yours—schedule your showing today!

Key facts

• 0.24 acre lot
• Built 1913

Property features AI

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Electric service by Ameren
• Home design: Single-family residence; Two levels
• Construction: Fiber cement exterior
• Exterior features: Back yard

Interior

• Bedrooms: 4 bedrooms total (1 on the main level, 3 on the upper level)
• Bathrooms: 2 full bathrooms (1 on the main level, 1 on the upper level)
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $235k.

Deal economics

• At list price, monthly cash flow is $792 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $235k).
• Cap rate 10.3% vs local median 5.0% in St. Louis — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• St. Louis City (urban): math 10% / reading 18% proficiency, ranked #312 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Mason Elem. (math 22% / reading 37%, grade F, #813 of 1,115 statewide, top 75%, 389 students, 99% FRL); Roosevelt High (math 2% / reading 8%, grade F, #517 of 521 statewide, top 100%, 460 students, 99% FRL) — zoned schools average 99% FRL vs 80% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.8%/yr); 44 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
• At $3,024/mo this rent would consume 55% of the median local household income ($66k/yr) (locally 195% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.8% rent growth), your $66k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts 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 1913 — 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 $235,000

Questions for the listing agent

1. Built in 1913 — 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. 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.
4. 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.
5. 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: 1.29% ✓
• Cap rate: 10.34%
• Cash-on-cash: 14.44%
• DSCR: 1.64
• GRM: 6.5

CMA / ARV

• ARV (on-the-fly): $442,068
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6718 Glades Ave	0.40mi	3/2.5 (-1)	2,094 (-7%)	5mo	$549,900	$263	61
2126 Franz Park Ln	0.20mi	3/2.5 (-1)	1,932 (-14%)	3mo	$449,000	$232	60
1733 Del Norte Ave	0.56mi	4/3.0	2,354 (+5%)	5mo	$460,000	$195	60
7400 Williams Ave	0.54mi	3/2.5 (-1)	2,339 (+4%)	5mo	$510,000	$218	59
1445 Rankin Dr	0.68mi	4/2.0	2,352 (+5%)	1mo	$550,000	$234	57
7200 Lanham Ave	0.33mi	3/2.5 (-1)	1,944 (-13%)	1mo	$279,900	$144	57
1507 Brock St	0.57mi	3/2.5 (-1)	2,094 (-7%)	2mo	$575,000	$275	56
7334 Bruno Ave	0.55mi	3/2.0 (-1)	2,127 (-5%)	4mo	$395,000	$186	55
7339 Arlington Dr	0.61mi	4/2.5	2,544 (+13%)	1mo	$499,900	$197	49
1420 Rankin Dr	0.67mi	4/2.0	1,968 (-12%)	1mo	$369,900	$188	45
6639 Arsenal St	0.70mi	3/2.0 (-1)	1,990 (-11%)	3mo	$240,000	$121	39
7309 Esplanade St	0.73mi	3/2.0 (-1)	1,980 (-12%)	2mo	$185,000	$93	38

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 · 3.76% rent growth · sell at horizon

5-year hold

• IRR: 5.7%
• Equity multiple: 1.22×
• Total profit: $14,704
• Equity at exit: $35,039

10-year hold

• IRR: 15.8%
• Equity multiple: 2.33×
• Total profit: $87,561
• Equity at exit: $20,319

Cash invested: $65,800 (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 63143

• Rents YoY: 3.8%
• Active inventory: 44
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $3,024 high
• Mortgage (P&I): −$1,232
• Tax from tax record: −$267 /mo · $3,202/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$635
• Net cashflow: $792

Break-even live

Break-even rent $2,022

Max offer price $235,000

Occupancy floor 69%

Sensitivity live

Price	-10% $925	-5% $858	+0% $792	+5% $725	+10% $659
Rent	-10% $553	-5% $672	+0% $792	+5% $911	+10% $1,031
Rate	-1.0pp $910	-0.5pp $851	base $792	+0.5pp $731	+1.0pp $669

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1629 Forest Ave Saint Louis, MO	4.0	3.5	2212	$4,760	$2.15	2d	1	0.35mi
1617 Forest Ave Saint Louis, MO	3.0	2.5	1822	$1,195	$0.66	3d	1	0.38mi
7103 Horner Ave Unit 7 Richmond Heights, MO	3.0	2.5	1816	$2,995	$1.65	2d	1	0.54mi
7380 Marietta Ave Maplewood, MO	3.0	2.0	1800	$1,900	$1.06	4d	1	0.76mi
7403 Commonwealth Ave Saint Louis, MO	3.0	2.0	1444	$2,500	$1.73	2d	1	0.82mi
6114 Columbia Ave Saint Louis, MO	3.0	1.0	1600	$1,850	$1.16	24d	1	0.98mi
6414 Wise Ave Unit 401 St. Louis, MO	3.0	2.0	1850	$2,500	$1.35	44d	1	1.06mi
6020 Juniata St Saint Louis, MO	4.0	2.0	1661	$2,750	$1.66	3d	1	1.26mi
6301 Southwood Ave Unit 3rd floor Clayton, MO	4.0	2.0	1800	$3,500	$1.94	44d	1	1.29mi
2732 59th St Saint Louis, MO	3.0	2.5	2060	$3,999	$1.94	20d	1	1.31mi
6318 S Rosebury Ave Clayton, MO	3.0	2.0	1712	$2,600	$1.52	15d	1	1.33mi
2734 59th St Saint Louis, MO	3.0	2.5	2060	$3,999	$1.94	20d	1	1.33mi
665 S Skinker Blvd Saint Louis, MO	3.0	1.0–2.0	1080	$3,500	$3.24	16d	40	1.38mi
665 S Skinker Blvd Saint Louis, MO	3.0	1.0–2.0	1080	$3,045	$2.82	2d	43	1.38mi
6328 Northwood Ave Unit 2nd floor Clayton, MO	3.0	1.0	1700	$2,950	$1.74	24d	1	1.42mi
6042 Hancock Ave Saint Louis, MO	3.0	1.0	1400	$3,500	$2.50	24d	1	1.45mi
5713 Parc Ridge Way Saint Louis, MO	3.0	2.5	2430	$2,625	$1.08	44d	1	1.49mi

Listing history 2 events

1. 2026-06-18
   remarks 456-char remark
2. 2026-06-18
   listed $235,000 Active 1 DOM

ⓘ 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: $3,202 · $267/mo
• Projected year-2 tax: $3,202 · $267/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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $36,286
• − Mortgage interest: −$13,164
• − Property taxes: −$3,202
• − Insurance: −$1,175
• − Repairs & maintenance: −$2,903
• − Management: −$2,903
• − Depreciation: −$6,836
• Taxable income: $6,103
• Est. tax owed @ 24.0%: −$1,465
• After-tax cash flow: $8,036/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: St. Louis City
• NCES district ID: 2929280
• Math proficiency: 10% ▼ -6.00%
• Reading proficiency: 18% ▼ -3.00%
• Median HH income: $35,685
• Composite: 11.54/100
• National rank: #9699
• State rank: #312 of 324 in MO

Livability — St. Louis

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Louis, MO
• County: Saint Louis County · 888,823 people
• City population: 283,259
• Metro: St. Louis, MO-IL
• Population (ZIP): 8,975
• Household income: $65,861
• Rent vs Own: 56.4% rent · 43.6% own
• Severe rent burden: 195.0

Population outlook (St. Louis County) Hauer SSP2

• Today (2025): 315,737 people
• By 2030: 313,865 · -0.6%
• By 2040: 305,439 · -3.3%
• By 2050: 296,529 · -6.1%
• By 2075: 271,028 · -14.2%
• By 2100: 255,359 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Two or more races 12% Black 8% Hispanic / Latino 4% Asian 3%
• Common ancestry: Romanian 4% Slovak 4% Italian 3%
• Foreign-born: 6% · Canada, China, Vietnam
• Languages at home: 94% English-only · Spanish 3% Tagalog/Filipino 1%

Political lean MEDSL · St. Louis

• 2024 margin: Solid D (+64.7) · D 81.4% · R 16.7% · Other 2.0%
• 2008→2024 swing: -3.5pp toward R · 2008: 68.2pp · 2024: 64.7pp
• All cycles: 2024: D+64.7 2020: D+66.2 2016: D+63.7 2012: D+66.6 2008: D+68.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -226.44%
• Current HPI: 300.6917
• Rent YoY: ▲ 3.76%
• 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

+9300.0% since first listed

11 events — show timeline

• 2026-06-17 Listed $235,000 MARIS as Distributed by MLS Grid
• 2025-11-15 Rental Removed $2,500 TURBOTENANT
• 2025-10-15 Listed for Rent $2,500 TURBOTENANT
• 2025-09-27 Rental Removed $2,500 TURBOTENANT
• 2025-08-27 Listed for Rent $2,500 TURBOTENANT
• 2025-08-17 Rental Removed $2,500 TURBOTENANT
• 2025-07-17 Listed for Rent $2,500 TURBOTENANT
• 2025-07-12 Rental Removed $2,500 TURBOTENANT
• 2025-06-10 Listed for Rent $2,500 TURBOTENANT
• 1998-04-27 Sold (Public Records) — Public Records
• 1998-04-27 Sold (Public Records) — Public Records

Property tax history

+7.0%/yr

Latest (2024): $3,202 · +5.1% YoY. Source: county tax records.