4753 Maffitt Ave · St. Louis, MO 63113

$15,000

3 bd · 1.0 ba · 1,550 sqft · SingleFamily public records · 172 Days on market

Built 1910 4,020 sqft lot $10/sqft · 73% below area ↓ 9% since listing

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Why this score? — see what drove the D+ 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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Appreciation +3.9/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0

Listing remarks MLS

ATTENTION INVESTORS! This is the one - Historic two story brick charmer, great location, close to all St Louis sights, new NGA Campus, shopping, restaurants, highways and all other amenities! Bring this great sized 2 story home back to its beauty. This is an awesome buy for investors or a homeowner occupant with a vision! Great investment opportunity - could be a tear down & build a brand new home or rehab it's current structure and bring it back to life. Tons of brick could also be used to re-sell. STL City has lots of opportunities for investors - this property may qualify for credits/ benefits due to its location. Opportunity Zones are economically-distressed areas where new investments may be eligible for preferential tax treatment. Utilize the large lot and make it cash flow again. Last chance to make a smart investment move this quarter/ end of year. Priced to sell. Could also be purchased with 4762 Labadie Avenue, St Louis, Missouri 63115 as a package deal. CALL NOW!!

Key facts

• Great location
• Large lot
• New nga campus

Tags

• HISTORIC TWO STORY BRICK
• GREAT LOCATION
• NEW NGA CAMPUS
• LARGE LOT
• INVESTMENT OPPORTUNITY

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $15k.

Deal economics

• At list price, monthly cash flow is $949 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $15k).
• Recommended offer: $13k (12.0% below list) — sets the bar for market timing.
• Cap rate 82.2% 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 D — 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: 58 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-2.1%/yr); year-one equity from $104 of loan paydown is wiped out by about $322 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 (-2.1% appreciation + 3.0% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 172 days — a 12% lower offer ($13k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 3y 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 1910 — 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 $13,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 172 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 1910 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. 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.
7. 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.
8. 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: 8.84% ✓
• Cap rate: 82.22%
• Cash-on-cash: 271.16%
• DSCR: 13.07
• GRM: 0.9

CMA / ARV

• ARV (median comp): $55,074
• List price: $15,000
• Delta: -72.76%
• 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
4743 Maffitt Ave	0.02mi	4/1.5 (+1)	1,550 (0%)	5mo	$154,900	$100	88
4725 Maffitt Ave	0.05mi	3/1.5	1,508 (-3%)	9mo	$45,000	$30	84
4741 Greer Ave	0.22mi	3/2.0	1,766 (+14%)	0mo	$10,000	$6	62
2504 N Euclid Ave N	0.25mi	3/1.0	1,728 (+12%)	8mo	$19,900	$12	62
3208 N Taylor Ave	0.51mi	3/1.5	1,500 (-3%)	10mo	$24,900	$17	61
5237 Wabada	0.72mi	3/1.0	1,550 (0%)	10mo	$20,000	$13	58
5041 Lotus Ave	0.54mi	4/1.5 (+1)	1,500 (-3%)	10mo	$30,000	$20	54
3526 Paris Ave	0.67mi	3/2.0	1,624 (+5%)	6mo	$25,000	$15	52
4898 Margaretta Ave	0.69mi	2/2.0 (-1)	1,530 (-1%)	11mo	$100,000	$65	48
5071 Lotus Ave	0.59mi	3/1.0	1,734 (+12%)	14mo	$22,900	$13	41
5069 Lotus Ave	0.59mi	4/1.5 (+1)	1,734 (+12%)	12mo	$34,700	$20	36
4472 Natural Bridge Ave	0.65mi	2/1.0 (-1)	1,338 (-14%)	9mo	$25,000	$19	34

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-2.14% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 14.95×
• Total profit: $58,576
• Equity at exit: $2,815

10-year hold

• IRR: —
• Equity multiple: 31.81×
• Total profit: $129,391
• Equity at exit: $2,312

Cash invested: $4,200 (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 63113

• Home prices YoY: -2.0%
• Active inventory: 58
• Price-to-rent: 0.9×

Monthly cashflow live

• Estimated rent: $1,326 high
• Mortgage (P&I): −$79
• Tax from tax record: −$13 /mo · $159/yr
• Insurance: −$6
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $949

Break-even live

Break-even rent $124

Max offer price $15,000

Occupancy floor 23%

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: $3,750
• Closing costs: $450
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4642 Farlin Ave Unit 1F St. Louis, MO	2.0	1.0	1056	$800	$0.76	43d	1	0.72mi
4040 Shreve Ave Saint Louis, MO	3.0	1.0	1201	$1,250	$1.04	43d	1	0.73mi
5223 Ashland Ave Saint Louis, MO	2.0	1.0	2200	$1,250	$0.57	43d	1	0.74mi
5223 Ashland Ave Unit 2 St. Louis, MO	3.0	1.0	2200	$1,450	$0.66	43d	1	0.74mi
4247 Maffitt Ave St. Louis, MO	3.0	1.5	1700	$1,000	$0.59	4d	1	0.92mi
5333 Patton Ave St. Louis, MO	3.0	1.5	1262	$1,250	$0.99	43d	1	0.94mi
5096 Minerva Ave Unit C St. Louis, MO	3.0	1.0	1800	$1,395	$0.78	43d	1	0.98mi
1320 Academy Ave Unit A St. Louis, MO	2.0	1.0	1600	$1,090	$0.68	43d	1	0.99mi
1420 Union Blvd Unit 2F St. Louis, MO	2.0	1.0	1096	$995	$0.91	43d	1	1.07mi
5345 Wells Ave Unit 2ND St. Louis, MO	3.0	1.0	1127	$1,095	$0.97	23d	1	1.10mi
763 Walton Ave Unit 763 St. Louis, MO	2.0	1.0	1100	$1,100	$1.00	43d	1	1.12mi
4223 Red Bud Ave Unit 1F St. Louis, MO	2.0	1.0	1167	$895	$0.77	43d	1	1.28mi
625 N Euclid Ave St. Louis, MO	2.0	1.0–2.0	984	$3,120	$3.17	1d	16	1.31mi
4400 Delmar Blvd St. Louis, MO	3.0	1.0	1450	$1,600	$1.10	43d	1	1.33mi
4901 Washington Blvd Saint Louis, MO	2.0	2.0	1620	$2,500	$1.54	11d	1	1.34mi
4738 Olive St Saint Louis, MO	2.0	2.0	1413	$1,925	$1.36	23d	1	1.35mi
5130 Kensington Ave Unit 1 St. Louis, MO	3.0	2.0	1200	$1,245	$1.04	23d	1	1.37mi
4500 Olive St Unit D St. Louis, MO	2.0	2.0	1200	$1,725	$1.44	43d	1	1.40mi
4466 Olive St Saint Louis, MO	1.0–2.0	1.0–2.5	1222	$2,495	$2.04	1d	7	1.43mi
401 N Euclid Ave St. Louis, MO	3.0	1.0	1025	$1,875	$1.83	1d	4	1.46mi

Listing history 24 events

1. 2026-04-27
   status Active 993-char remark

   Show marketing remark (993 chars)

   ATTENTION INVESTORS! This is the one - Historic two story brick charmer, great location, close to all St Louis sights, new NGA Campus, shopping, restaurants, highways and all other amenities! Bring this great sized 2 story home back to its beauty. This is an awesome buy for investors or a homeowner occupant with a vision! Great investment opportunity - could be a tear down & build a brand new home or rehab it's current structure and bring it back to life. Tons of brick could also be used to re-sell. STL City has lots of opportunities for investors - this property may qualify for credits/ benefits due to its location. Opportunity Zones are economically-distressed areas where new investments may be eligible for preferential tax treatment. Utilize the large lot and make it cash flow again. Last chance to make a smart investment move this quarter/ end of year. Priced to sell. Could also be purchased with 4762 Labadie Avenue, St Louis, Missouri 63115 as a package deal. CALL NOW!!

2. 2026-04-08
   status Active 993-char remark

   Show marketing remark (993 chars)

   ATTENTION INVESTORS! This is the one - Historic two story brick charmer, great location, close to all St Louis sights, new NGA Campus, shopping, restaurants, highways and all other amenities! Bring this great sized 2 story home back to its beauty. This is an awesome buy for investors or a homeowner occupant with a vision! Great investment opportunity - could be a tear down & build a brand new home or rehab it's current structure and bring it back to life. Tons of brick could also be used to re-sell. STL City has lots of opportunities for investors - this property may qualify for credits/ benefits due to its location. Opportunity Zones are economically-distressed areas where new investments may be eligible for preferential tax treatment. Utilize the large lot and make it cash flow again. Last chance to make a smart investment move this quarter/ end of year. Priced to sell. Could also be purchased with 4762 Labadie Avenue, St Louis, Missouri 63115 as a package deal. CALL NOW!!

3. 2026-03-11
   historical Active Under Contract 993-char remark

   Show marketing remark (993 chars)

   ATTENTION INVESTORS! This is the one - Historic two story brick charmer, great location, close to all St Louis sights, new NGA Campus, shopping, restaurants, highways and all other amenities! Bring this great sized 2 story home back to its beauty. This is an awesome buy for investors or a homeowner occupant with a vision! Great investment opportunity - could be a tear down & build a brand new home or rehab it's current structure and bring it back to life. Tons of brick could also be used to re-sell. STL City has lots of opportunities for investors - this property may qualify for credits/ benefits due to its location. Opportunity Zones are economically-distressed areas where new investments may be eligible for preferential tax treatment. Utilize the large lot and make it cash flow again. Last chance to make a smart investment move this quarter/ end of year. Priced to sell. Could also be purchased with 4762 Labadie Avenue, St Louis, Missouri 63115 as a package deal. CALL NOW!!

4. 2025-11-11
   listed $15,000 Active 993-char remark

   Show marketing remark (993 chars)

   ATTENTION INVESTORS! This is the one - Historic two story brick charmer, great location, close to all St Louis sights, new NGA Campus, shopping, restaurants, highways and all other amenities! Bring this great sized 2 story home back to its beauty. This is an awesome buy for investors or a homeowner occupant with a vision! Great investment opportunity - could be a tear down & build a brand new home or rehab it's current structure and bring it back to life. Tons of brick could also be used to re-sell. STL City has lots of opportunities for investors - this property may qualify for credits/ benefits due to its location. Opportunity Zones are economically-distressed areas where new investments may be eligible for preferential tax treatment. Utilize the large lot and make it cash flow again. Last chance to make a smart investment move this quarter/ end of year. Priced to sell. Could also be purchased with 4762 Labadie Avenue, St Louis, Missouri 63115 as a package deal. CALL NOW!!

5. 2025-10-24
   status Active
6. 2025-10-24
   price $15,000
7. 2025-10-12
   price $17,000
8. 2025-09-09
   price $17,900
9. 2025-04-10
   listed $19,900 Active
10. 2025-03-09
    historical
11. 2024-12-12
    status Active
12. 2024-12-06
    status Pending
13. 2024-11-20
    listed $20,000 Active
14. 2024-10-30
    historical
15. 2024-10-20
    price $24,800
16. 2024-08-18
    price $24,900
17. 2024-07-25
    listed $32,000 Active
18. 2023-09-01
    soldstatus $13,500
19. 2023-08-25
    soldstatus Closed
20. 2023-08-08
    status Pending
21. 2023-07-31
    price $14,500
22. 2023-05-10
    price $15,500
23. 2023-03-24
    listed $16,500 Active
24. 1997-05-09
    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: $159 · $13/mo
• Projected year-2 tax: $159 · $13/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 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,908
• − Mortgage interest: −$840
• − Property taxes: −$159
• − Insurance: −$75
• − Repairs & maintenance: −$1,273
• − Management: −$1,273
• − Depreciation: −$436
• Taxable income: $11,852
• Est. tax owed @ 24.0%: −$2,844
• After-tax cash flow: $8,544/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
• City population: 283,259
• Population (ZIP): 11,610

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 (91%)
• Race & ethnicity: Black 91% White 6% Two or more races 2% Hispanic / Latino 1%
• Foreign-born: 2% · Canada

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: ▼ -2.14%
• Current HPI: 107.1335
• Rent YoY: —
• Metro: —
• 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

-9.1% since first listed

24 events — show timeline

• 2026-04-27 Relisted — MARIS as Distributed by MLS Grid
• 2026-04-08 Relisted — MARIS as Distributed by MLS Grid
• 2026-03-11 Contingent — MARIS as Distributed by MLS Grid
• 2025-11-11 Listed $15,000 MARIS as Distributed by MLS Grid
• 2025-10-24 Relisted — MARIS as Distributed by MLS Grid
• 2025-10-24 Price Changed $15,000 MARIS as Distributed by MLS Grid
• 2025-10-12 Price Changed $17,000 MARIS as Distributed by MLS Grid
• 2025-09-09 Price Changed $17,900 MARIS as Distributed by MLS Grid
• 2025-04-10 Listed $19,900 MARIS as Distributed by MLS Grid
• 2025-03-09 Delisted — MARIS as Distributed by MLS Grid
• 2024-12-12 Relisted — MARIS as Distributed by MLS Grid
• 2024-12-06 Pending — MARIS as Distributed by MLS Grid
• 2024-11-20 Listed $20,000 MARIS as Distributed by MLS Grid
• 2024-10-30 Delisted — MARIS as Distributed by MLS Grid
• 2024-10-20 Price Changed $24,800 MARIS as Distributed by MLS Grid
• 2024-08-18 Price Changed $24,900 MARIS as Distributed by MLS Grid
• 2024-07-25 Listed $32,000 MARIS as Distributed by MLS Grid
• 2023-09-01 Sold (Public Records) $13,500 Public Records
• 2023-08-25 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2023-08-08 Pending — MARIS as Distributed by MLS Grid
• 2023-07-31 Price Changed $14,500 MARIS as Distributed by MLS Grid
• 2023-05-10 Price Changed $15,500 MARIS as Distributed by MLS Grid
• 2023-03-24 Listed $16,500 MARIS as Distributed by MLS Grid
• 1997-05-09 Sold (Public Records) — Public Records

Property tax history

-7.5%/yr

Latest (2024): $159 · +4.2% YoY. Source: county tax records.