4713-4715 Natural Bridge Ave · St. Louis, MO 63115

$110,000

4 bd · 3.0 ba · 3,652 sqft · SingleFamily · 267 Days on market

Built 1914 Fair condition $30/sqft · 25% below area Est $147k · 25% 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 +9.1/10.0
• Appreciation +3.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.2/5.0
• Schools +1.2/10.0

Listing remarks MLS

This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investors dream. The options are limitless with this amazing four family unit. The current owner was in the process of converting this four family unit into a townhome style. With the unfinished renovations the option are yours. This home has a newer roof, new electric panels, & hot water tanks. It wouldn't take much to get this beauty ready to rent or sale. Please be sure to lock all doors and turn off lights.

Key facts

• Four family unit
• Newer roof
• Hot water tanks

Tags

• FOUR FAMILY UNIT
• UNFINISHED RENOVATIONS
• NEWER ROOF
• NEW ELECTRIC PANELS
• HOT WATER TANKS

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $110k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $407 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.3% 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.
• Market conditions: 97 active listings in the ZIP; lower-income renter base — watch delinquency; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
• At $1,548/mo this rent would consume 61% of the median local household income ($31k/yr) (locally 1655% 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 $761 of loan paydown is wiped out by about $3k 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 + 3.0% 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 267 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 2 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: flood insurance adds $56/mo; built in 1914 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 267 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1914 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.41% ✓
• Cap rate: 11.34%
• Cash-on-cash: 18.03%
• DSCR: 1.80
• GRM: 5.9

CMA / ARV

• ARV (median comp): $146,551
• List price: $110,000
• Delta: -24.94%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4615 San Francisco Ave	0.21mi	3/1.5 (-1)	3,267 (-10%)	11mo	$35,000	$11	52
4950 Labadie Ave	0.52mi	4/1.5	3,300 (-10%)	8mo	$143,000	$43	48

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.8%
• Equity multiple: 1.27×
• Total profit: $8,167
• Equity at exit: $16,401

10-year hold

• IRR: 16.2%
• Equity multiple: 2.32×
• Total profit: $40,740
• 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 63115

• Home prices YoY: -2.6%
• Active inventory: 97
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $1,548 medium
• Mortgage (P&I): −$577
• Tax est. 1.5%: −$138 /mo · $1,650/yr
• Insurance: −$46
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $407

Break-even live

Break-even rent $1,033

Max offer price $110,000

Occupancy floor 69%

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: —

Listing history 16 events

1. 2026-06-18
   days on market $110,000 Active 267 DOM
2. 2026-06-17
   days on market $110,000 Active 266 DOM
3. 2026-06-16
   days on market $110,000 Active 265 DOM
4. 2026-06-15
   days on market $110,000 Active 264 DOM
5. 2026-06-13
   days on market $110,000 Active 262 DOM
6. 2026-06-09
   days on market $110,000 Active 258 DOM
7. 2026-06-08
   days on market $110,000 Active 257 DOM
8. 2026-06-08
   days on market $110,000 Active 256 DOM
9. 2026-06-05
   days on market $110,000 Active 253 DOM
10. 2026-06-03
    days on market $110,000 Active 252 DOM
11. 2026-06-02
    days on market $110,000 Active 251 DOM
12. 2026-06-01
    days on market $110,000 Active 250 DOM
13. 2026-06-01
    days on market $110,000 Active 249 DOM
14. 2025-12-03
    status Active 607-char remark

    Show marketing remark (607 chars)

    This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investors dream. The options are limitless with this amazing four family unit. The current owner was in the process of converting this four family unit into a townhome style. With the unfinished renovations the option are yours. This home has a newer roof, new electric panels, & hot water tanks. It wouldn't take much to get this beauty ready to rent or sale. Please be sure to lock all doors and turn off lights.

15. 2025-11-13
    status Pending 607-char remark

    Show marketing remark (607 chars)

    This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investors dream. The options are limitless with this amazing four family unit. The current owner was in the process of converting this four family unit into a townhome style. With the unfinished renovations the option are yours. This home has a newer roof, new electric panels, & hot water tanks. It wouldn't take much to get this beauty ready to rent or sale. Please be sure to lock all doors and turn off lights.

16. 2025-09-03
    listed $110,000 Active 607-char remark

    Show marketing remark (607 chars)

    This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investors dream. The options are limitless with this amazing four family unit. The current owner was in the process of converting this four family unit into a townhome style. With the unfinished renovations the option are yours. This home has a newer roof, new electric panels, & hot water tanks. It wouldn't take much to get this beauty ready to rent or sale. Please be sure to lock all doors and turn off lights.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 77% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 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 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,576
• − Mortgage interest: −$6,162
• − Property taxes: −$1,650
• − Insurance: −$1,216
• − Repairs & maintenance: −$1,486
• − Management: −$1,486
• − Depreciation: −$3,200
• Taxable income: $3,376
• Est. tax owed @ 24.0%: −$810
• After-tax cash flow: $4,076/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.

Condition & rehab AI · 3 photos

Fair 45/100 Moderate rehab

This four-family unit is in fair condition with major repairs needed to the roof, exterior paint, landscaping, and interior walls. Repainting, re-roofing, and landscaping improvements can significantly increase its value for resale or rental.

Repairs flagged

• Major roof — The roof appears to be in poor condition, with visible wear and tear.
• Major exterior paint — The paint is peeling in some areas, indicating a need for repainting.
• Major landscaping — The landscaping is overgrown and lacks maintenance, which is a major issue for curb appeal and property value.
• Major interior walls and paint — No interior walls or paint are visible in the photos, but given the exterior condition, it is likely that the interior is in a similar state of disrepair.
• Major HVAC/mechanicals — No HVAC or mechanical systems are visible in the photos, but given the exterior condition, it is likely that the HVAC and mechanical systems are in a similar state of disrepair.
• Minor windows — The windows appear to be in fair condition, with no visible signs of damage or malfunction.
• Minor foundation/structure — The foundation and structure appear to be in fair condition, with no visible signs of structural issues or damage.

Value-add opportunities

• Both Painting the exterior and interior walls — Painting the exterior and interior walls can significantly improve the curb appeal and interior condition, which can increase both resale and rental value.
• Both Landscaping and yard maintenance — Landscaping and yard maintenance can improve the curb appeal and overall condition of the property, which can increase both resale and rental value.
• Both Re-roofing — Re-roofing can improve the structural integrity and appearance of the property, which can increase both resale and rental value.
• Both HVAC and mechanical system maintenance — Maintaining the HVAC and mechanical systems can improve the comfort and functionality of the property, which can increase both resale and rental value.

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · The roof appears to be in poor condition, with visible wear and tear.	Major	$15,000–50,000
exterior paint · The paint is peeling in some areas, indicating a need for repainting.	Major	$15,000–50,000
landscaping · The landscaping is overgrown and lacks maintenance, which is a major issue for curb appeal and property value.	Major	$15,000–50,000
interior walls and paint · No interior walls or paint are visible in the photos, but given the exterior condition, it is likely that the interior is in a similar state of disrepair.	Major	$15,000–50,000
HVAC/mechanicals · No HVAC or mechanical systems are visible in the photos, but given the exterior condition, it is likely that the HVAC and mechanical systems are in a similar state of disrepair.	Major	$15,000–50,000
windows · The windows appear to be in fair condition, with no visible signs of damage or malfunction.	Minor	$500–3,000
foundation/structure · The foundation and structure appear to be in fair condition, with no visible signs of structural issues or damage.	Minor	$500–3,000
Total estimated repair cost · 7 items		$76,000–256,000

Value-add ROI direction

• Both Painting the exterior and interior walls — Painting the exterior and interior walls can significantly improve the curb appeal and interior condition, which can increase both resale and rental value. ↑
• Both Landscaping and yard maintenance — Landscaping and yard maintenance can improve the curb appeal and overall condition of the property, which can increase both resale and rental value. ↑
• Both Re-roofing — Re-roofing can improve the structural integrity and appearance of the property, which can increase both resale and rental value. ↑
• Both HVAC and mechanical system maintenance — Maintaining the HVAC and mechanical systems can improve the comfort and functionality of the property, which can increase both resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 City · 254,015 people
• City population: 283,259
• Metro: St. Louis, MO-IL
• Population (ZIP): 14,488
• Household income: $30,622
• Rent vs Own: 57.7% rent · 42.3% own
• Severe rent burden: 1655.0

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 Black (95%)
• Race & ethnicity: Black 95% White 2% Two or more races 2%
• Foreign-born: 0%

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: ▼ -3.42%
• Current HPI: 127.3403
• Rent YoY: —
• 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

3 events — show timeline

• 2025-12-03 Relisted — MARIS as Distributed by MLS Grid
• 2025-11-13 Pending — MARIS as Distributed by MLS Grid
• 2025-09-03 Listed $110,000 MARIS as Distributed by MLS Grid