7700 Lovella Ave · Richmond Heights, MO 63117

$279,900

3 bd · 1.0 ba · 1,562 sqft · SingleFamily public records · 9 Days on market

Built 1925 5,000 sqft lot $179/sqft · 13% below area Est $322k · 13% under

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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).

• ARV discount +13.4/15.0
• Cash flow +9.6/30.0
• Livability +4.2/5.0
• Schools +4.1/10.0
• Rent growth +3.7/5.0
• 1% rule +2.8/10.0
• DSCR +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This beautifully renovated home is just waiting for its new owners! Notice the great curb appeal with a brick exterior, covered porch, and landscaping! Enter to the bright living room which boasts refinished hardwoods that run throughout the main floor. Beyond, the dining room opens to the kitchen which boasts granite counters, stainless steel appliances, 42" cabinets, and ceramic tile floors! You'll love the updated bathroom with an arched, tiled shower and pedestal sink! Two spacious bedrooms complete the main floor. Upstairs is a flex space - bedroom or playroom and sitting room, den, or office - ready to make your own! A clean, dry basement and tuck-under garage provide plenty of storage space. The fenced backyard is shaded by mature trees. You'll be worry-free as the home has been re-wired, new plumbing throughout, roof replaced, as well as new HVAC system and thermal windows. In a great location just moments from parks, restaurants, Downtown Clayton, highways, and shopping!

Key facts

• 5,000 sq ft lot
• Garage
• Built 1925

Property features AI

Exterior

• Parking: Attached garage (1 car) — garage faces side
• Utilities: Public water; Public sewer; Electric service: Other
• Home design: Single family residence; One and one-half stories; Residential property
• Construction: Brick construction
• Exterior features: Covered front porch; Patio; Corner lot

Interior

• Kitchen: Stainless steel appliances; Dishwasher; Disposal; Microwave; Gas oven; Gas range; Refrigerator
• Bedrooms: 3 bedrooms total; 2 bedrooms on the main level; 1 bedroom on the upper level
• Flooring: Carpet; Hardwood
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Forced air heating (natural gas); Central air conditioning
• Interior features: Breakfast bar; Eat-in kitchen; Granite counters; Open floorplan; Partially finished basement; Sump pump

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $280k.

Deal economics

• At list price, monthly cash flow is $-191 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $246k (12.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $220k (21.5% below list).
• Recommended offer: $220k (21.5% below list) — sets the bar for 1% rule.
• Cap rate 5.5% vs local median 3.6% in Richmond Heights — 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 84/100 on livability (#4 in MO, #652 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, employment A+; Watch: crime F.
• Maplewood-Richmond Heights (suburban): math 40% / reading 56% proficiency, ranked #63 of 324 in MO (top 19%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Mrh Elementary (math 40% / reading 57%, grade D, #334 of 1,115 statewide, top 30%, 417 students, 26% FRL); Maplewood-Richmond Hgts. High (math 62% / reading 67%, grade B-, #19 of 521 statewide, top 4%, 413 students, 32% FRL).
• Market conditions: Rents rising fast (+4.9%/yr); 58 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 9y 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.
• Current owner paid $218k; 29% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1925 — 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 $219,621 (21.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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?
6. 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?
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: 0.78% ✗
• Cap rate: 5.47%
• Cash-on-cash: -2.93%
• DSCR: 0.87
• GRM: 10.6

CMA / ARV

• ARV (median comp): $322,402
• List price: $279,900
• Delta: -13.18%
• 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
7736 W Ranken Ave	0.32mi	3/2.0	1,600 (+2%)	5mo	$290,000	$181	73
7630 W Bruno Ave	0.41mi	3/2.0	1,524 (-2%)	6mo	$385,000	$253	68
7479 Hiawatha Ave	0.43mi	3/1.5	1,650 (+6%)	2mo	$325,000	$197	67
2124 Bredell Ave	0.54mi	3/1.0	1,656 (+6%)	2mo	$374,900	$226	63
1121 Ralph Ter	0.37mi	2/2.0 (-1)	1,477 (-5%)	2mo	$395,000	$267	63
7742 Wise Ave	0.29mi	3/1.5	1,747 (+12%)	7mo	$385,000	$220	59
1174 Claytonia Ter	0.29mi	2/1.5 (-1)	1,404 (-10%)	7mo	$275,000	$196	57
2023 Bland Pl	0.43mi	2/1.5 (-1)	1,725 (+10%)	1mo	$350,000	$203	55
7440 Wise Ave	0.49mi	3/1.5	1,416 (-9%)	6mo	$299,000	$211	55
1514 Bellevue Ave	0.72mi	2/2.0 (-1)	1,610 (+3%)	3mo	$449,000	$279	50
1730 Del Norte Ave	0.62mi	3/2.0	1,429 (-8%)	6mo	$199,000	$139	47
7235 El Moro Ave	0.72mi	3/2.5	1,655 (+6%)	5mo	$399,900	$242	46

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 · 4.87% rent growth · sell at horizon

5-year hold

• IRR: -19.1%
• Equity multiple: 0.32×
• Total profit: $-53,302
• Equity at exit: $41,734

10-year hold

• IRR: -8.3%
• Equity multiple: 0.44×
• Total profit: $-44,043
• Equity at exit: $24,201

Cash invested: $78,372 (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 63117

• Rents YoY: 4.9%
• Active inventory: 58
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,196 high
• Mortgage (P&I): −$1,468
• Tax from tax record: −$342 /mo · $4,102/yr
• Insurance: −$117
• HOA: −$0
• Vacancy / Maint / Mgmt: −$461
• Net cashflow: $-191

Break-even live

Break-even rent $2,438

Max offer price $246,107

Occupancy floor —

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: $69,975
• Closing costs: $8,397
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1146 Moorlands Dr Richmond Heights, MO	2.0	1.0	1075	$1,500	$1.40	43d	1	0.38mi
2311 S Big Bend Blvd Saint Louis, MO	2.0	1.5	1298	$1,599	$1.23	43d	1	0.65mi
1241 Strassner Dr Brentwood, MO	2.0	2.0	1127	$1,950	$1.73	1d	1	0.66mi
1251 Strassner Dr Saint Louis, MO	2.0	2.0	1177	$1,925	$1.64	43d	1	0.68mi
7230 W Park Ave Unit 1fl Richmond Heights, MO	2.0	1.0	1350	$1,650	$1.22	43d	1	0.74mi
7574 York Dr Clayton, MO	3.0	2.0	1900	$2,975	$1.57	7d	1	0.83mi
7103 Horner Ave Unit 7 Richmond Heights, MO	3.0	2.5	1816	$2,995	$1.65	1d	1	0.84mi
7570 Oxford Dr Apt 2S Clayton, MO	2.0	1.0	1100	$2,600	$2.36	1d	1	0.91mi
1079 Terrace Dr Unit A Richmond Heights, MO	2.0	1.0	1400	$1,699	$1.21	22d	1	0.93mi
1034 Blendon Pl Saint Louis, MO	2.0	1.0	1300	$1,995	$1.53	1d	1	0.96mi
7536 Parkdale Ave Saint Louis, MO	3.0	2.0	1500	$2,000	$1.33	1d	1	0.97mi
7557 Buckingham Dr Saint Louis, MO	2.0	1.0	1200	$2,095	$1.75	3d	1	0.97mi
7208 Zephyr Pl Apt 1E Maplewood, MO	2.0	1.0	1100	$1,199	$1.09	43d	1	1.00mi
8014 Townes Way Saint Louis, MO	4.0	3.5	2244	$3,500	$1.56	19d	1	1.01mi
7551 Byron Pl Unit 51-3N Clayton, MO	3.0	1.0	1150	$1,700	$1.48	43d	1	1.06mi
7555 Byron Pl Unit 55-1N Clayton, MO	3.0	1.0	1100	$1,900	$1.73	23d	1	1.06mi
1617 Forest Ave Saint Louis, MO	3.0	2.5	1822	$1,195	$0.66	3d	1	1.08mi
1629 Forest Ave Saint Louis, MO	4.0	3.5	2212	$4,760	$2.15	1d	1	1.08mi
1800 S Brentwood Blvd Saint Louis, MO	1.0–3.0	1.0–2.0	1164	$2,720	$2.34	1d	19	1.14mi
7380 Marietta Ave Maplewood, MO	3.0	2.0	1800	$1,900	$1.06	4d	1	1.15mi
6323 S Rosebury Ave Unit 2E Clayton, MO	2.0	2.0	1100	$1,995	$1.81	17d	1	1.17mi
6318 S Rosebury Ave Clayton, MO	3.0	2.0	1712	$2,600	$1.52	14d	1	1.18mi
6314 S Rosebury Ave Clayton, MO	2.0	2.0	1395	$2,500	$1.79	4d	1	1.19mi
6301 Southwood Ave Unit 3rd floor Clayton, MO	4.0	2.0	1800	$3,500	$1.94	43d	1	1.19mi
6238 Southwood Ave Unit 3S St. Louis, MO	2.0	2.0	1100	$1,595	$1.45	43d	1	1.20mi
7349 Myrtle Ave Apt 1W Maplewood, MO	2.0	1.0	1220	$1,895	$1.55	4d	1	1.21mi
6328 Northwood Ave Unit 2nd floor Clayton, MO	3.0	1.0	1700	$2,950	$1.74	23d	1	1.22mi
665 S Skinker Blvd Saint Louis, MO	3.0	1.0–2.0	1080	$3,045	$2.82	1d	43	1.33mi
665 S Skinker Blvd Saint Louis, MO	3.0	1.0–2.0	1080	$3,500	$3.24	16d	40	1.33mi
7338 Forsyth Blvd Clayton, MO	2.0	1.0	1200	$1,595	$1.33	43d	1	1.39mi
31 Sunnen Dr Maplewood, MO	1.0–2.0	1.0–2.0	956	$2,428	$2.54	1d	17	1.39mi
7309 Forsyth Blvd Saint Louis, MO	2.0	1.0	1400	$2,000	$1.43	1d	1	1.42mi
7331 Forsyth Blvd Clayton, MO	3.0	2.0	1496	$2,995	$2.00	1d	1	1.43mi
7135 Canterbury Ave Saint Louis, MO	1.0–2.0	1.0–1.5	1016	$2,155	$2.12	19d	4	1.44mi
8154 Whitburn Dr Saint Louis, MO	2.0	1.0	1296	$1,650	$1.27	17d	1	1.46mi
8154 Whitburn Dr Unit 2W Clayton, MO	2.0	1.0	1160	$1,550	$1.34	43d	1	1.46mi

Listing history 19 events

1. 2026-05-09
   status Pending 1222-char remark
2. 2026-04-30
   listed $279,900 Active 1222-char remark
3. 2018-05-17
   status Pending 999-char remark

   Show marketing remark (999 chars)

   This beautifully renovated home is just waiting for its new owners! Notice the great curb appeal with a brick exterior, covered porch, and landscaping! Enter to the bright living room which boasts refinished hardwoods that run throughout the main floor. Beyond, the dining room opens to the kitchen which boasts granite counters, stainless steel appliances, 42" cabinets, and ceramic tile floors! You'll love the updated bathroom with an arched, tiled shower and pedestal sink! Two spacious bedrooms complete the main floor. Upstairs is a flex space - bedroom or playroom and sitting room, den, or office - ready to make your own! A clean, dry basement and tuck-under garage provide plenty of storage space. The fenced backyard is shaded by mature trees. You'll be worry-free as the home has been re-wired, new plumbing throughout, roof replaced, as well as new HVAC system and thermal windows. In a great location just moments from parks, restaurants, Downtown Clayton, highways, and shopping!

4. 2018-05-16
   soldstatus $217,500
5. 2018-05-15
   soldstatus Closed 999-char remark

   Show marketing remark (999 chars)

   This beautifully renovated home is just waiting for its new owners! Notice the great curb appeal with a brick exterior, covered porch, and landscaping! Enter to the bright living room which boasts refinished hardwoods that run throughout the main floor. Beyond, the dining room opens to the kitchen which boasts granite counters, stainless steel appliances, 42" cabinets, and ceramic tile floors! You'll love the updated bathroom with an arched, tiled shower and pedestal sink! Two spacious bedrooms complete the main floor. Upstairs is a flex space - bedroom or playroom and sitting room, den, or office - ready to make your own! A clean, dry basement and tuck-under garage provide plenty of storage space. The fenced backyard is shaded by mature trees. You'll be worry-free as the home has been re-wired, new plumbing throughout, roof replaced, as well as new HVAC system and thermal windows. In a great location just moments from parks, restaurants, Downtown Clayton, highways, and shopping!

6. 2018-03-18
   historical Contingent (No Kickout) 999-char remark

   Show marketing remark (999 chars)

   This beautifully renovated home is just waiting for its new owners! Notice the great curb appeal with a brick exterior, covered porch, and landscaping! Enter to the bright living room which boasts refinished hardwoods that run throughout the main floor. Beyond, the dining room opens to the kitchen which boasts granite counters, stainless steel appliances, 42" cabinets, and ceramic tile floors! You'll love the updated bathroom with an arched, tiled shower and pedestal sink! Two spacious bedrooms complete the main floor. Upstairs is a flex space - bedroom or playroom and sitting room, den, or office - ready to make your own! A clean, dry basement and tuck-under garage provide plenty of storage space. The fenced backyard is shaded by mature trees. You'll be worry-free as the home has been re-wired, new plumbing throughout, roof replaced, as well as new HVAC system and thermal windows. In a great location just moments from parks, restaurants, Downtown Clayton, highways, and shopping!

7. 2018-01-23
   price $229,900 999-char remark

   Show marketing remark (999 chars)

   This beautifully renovated home is just waiting for its new owners! Notice the great curb appeal with a brick exterior, covered porch, and landscaping! Enter to the bright living room which boasts refinished hardwoods that run throughout the main floor. Beyond, the dining room opens to the kitchen which boasts granite counters, stainless steel appliances, 42" cabinets, and ceramic tile floors! You'll love the updated bathroom with an arched, tiled shower and pedestal sink! Two spacious bedrooms complete the main floor. Upstairs is a flex space - bedroom or playroom and sitting room, den, or office - ready to make your own! A clean, dry basement and tuck-under garage provide plenty of storage space. The fenced backyard is shaded by mature trees. You'll be worry-free as the home has been re-wired, new plumbing throughout, roof replaced, as well as new HVAC system and thermal windows. In a great location just moments from parks, restaurants, Downtown Clayton, highways, and shopping!

8. 2017-12-28
   price $235,000 999-char remark

   Show marketing remark (999 chars)

   This beautifully renovated home is just waiting for its new owners! Notice the great curb appeal with a brick exterior, covered porch, and landscaping! Enter to the bright living room which boasts refinished hardwoods that run throughout the main floor. Beyond, the dining room opens to the kitchen which boasts granite counters, stainless steel appliances, 42" cabinets, and ceramic tile floors! You'll love the updated bathroom with an arched, tiled shower and pedestal sink! Two spacious bedrooms complete the main floor. Upstairs is a flex space - bedroom or playroom and sitting room, den, or office - ready to make your own! A clean, dry basement and tuck-under garage provide plenty of storage space. The fenced backyard is shaded by mature trees. You'll be worry-free as the home has been re-wired, new plumbing throughout, roof replaced, as well as new HVAC system and thermal windows. In a great location just moments from parks, restaurants, Downtown Clayton, highways, and shopping!

9. 2017-12-01
   listed $245,000 Active 999-char remark

   Show marketing remark (999 chars)

   This beautifully renovated home is just waiting for its new owners! Notice the great curb appeal with a brick exterior, covered porch, and landscaping! Enter to the bright living room which boasts refinished hardwoods that run throughout the main floor. Beyond, the dining room opens to the kitchen which boasts granite counters, stainless steel appliances, 42" cabinets, and ceramic tile floors! You'll love the updated bathroom with an arched, tiled shower and pedestal sink! Two spacious bedrooms complete the main floor. Upstairs is a flex space - bedroom or playroom and sitting room, den, or office - ready to make your own! A clean, dry basement and tuck-under garage provide plenty of storage space. The fenced backyard is shaded by mature trees. You'll be worry-free as the home has been re-wired, new plumbing throughout, roof replaced, as well as new HVAC system and thermal windows. In a great location just moments from parks, restaurants, Downtown Clayton, highways, and shopping!

10. 2017-08-09
    soldstatus $113,000
11. 2017-07-03
    soldstatus $95,000
12. 2017-06-26
    soldstatus Closed

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

13. 2017-05-31
    status Pending

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

14. 2017-05-26
    historical Contingent (No Kickout)

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

15. 2017-05-12
    price $120,000

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

16. 2017-05-12
    status Active

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

17. 2017-05-02
    historical Contingent (No Kickout)

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

18. 2017-04-04
    price $132,500

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

19. 2017-03-30
    listed $164,900 Active

    Show marketing remark (660 chars)

    An awesome opportunity for you to own this 1 1/2 story brick home in Richmond Heights, a St. Louis County central location. This As-Is property is less than one mile from highway 64/40 and within minutes of St. Louis entertainment and shopping. 7700 Lovella has 2 bedrooms on the main level, one bath, upstairs has one bedroom with the additional space for a sitting area, side entry tuck garage and basement. This street has a new construction in progress and another property adding a second floor. Although you will want to put in your HGTV skills, find your value here. Location, Location, Location with no cookie cutter houses. Refrigerator does not stay.

ⓘ 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: $4,102 · $342/mo
• Projected year-2 tax: $4,102 · $342/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: $26,355
• − Mortgage interest: −$15,679
• − Property taxes: −$4,102
• − Insurance: −$1,400
• − Repairs & maintenance: −$2,108
• − Management: −$2,108
• − Depreciation: −$8,143
• Taxable loss: −$7,185
• Est. tax savings @ 24.0%: +$1,724
• After-tax cash flow: $-571/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: Maplewood-Richmond Heights
• NCES district ID: 2920010
• Math proficiency: 40% ▼ -5.00%
• Reading proficiency: 56% ▼ -4.00%
• Median HH income: $45,159
• Composite: 40.6/100
• National rank: #3696
• State rank: #63 of 324 in MO

Livability — Richmond Heights

• Score: 84/100
• State rank: #4
• US rank: #652

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Richmond Heights, MO
• County: Saint Louis County · 888,823 people
• City population: 9,261
• Metro: St. Louis, MO-IL
• Population (ZIP): 9,261
• Household income: $90,921
• Rent vs Own: 45.8% rent · 54.2% own
• Severe rent burden: 285.0

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 White (82%)
• Race & ethnicity: White 82% Black 6% Two or more races 5% Asian 5% Hispanic / Latino 3%
• Common ancestry: Slovak 5% Lithuanian 3% Romanian 3%
• Foreign-born: 10% · Canada, China, Jamaica
• Languages at home: 91% English-only · Chinese 3% Spanish 2% Russian/Polish/Slavic 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: ▼ -332.54%
• Current HPI: 220.8603
• Rent YoY: ▲ 4.87%
• 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

+69.7% since first listed

19 events — show timeline

• 2026-05-09 Pending — MARIS as Distributed by MLS Grid
• 2026-04-30 Listed $279,900 MARIS as Distributed by MLS Grid
• 2018-05-17 Pending — MARIS as Distributed by MLS Grid
• 2018-05-16 Sold (Public Records) $217,500 Public Records
• 2018-05-15 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2018-03-18 Contingent — MARIS as Distributed by MLS Grid
• 2018-01-23 Price Changed $229,900 MARIS as Distributed by MLS Grid
• 2017-12-28 Price Changed $235,000 MARIS as Distributed by MLS Grid
• 2017-12-01 Listed $245,000 MARIS as Distributed by MLS Grid
• 2017-08-09 Sold (Public Records) $113,000 Public Records
• 2017-07-03 Sold (Public Records) $95,000 Public Records
• 2017-06-26 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2017-05-31 Pending — MARIS as Distributed by MLS Grid
• 2017-05-26 Contingent — MARIS as Distributed by MLS Grid
• 2017-05-12 Price Changed $120,000 MARIS as Distributed by MLS Grid
• 2017-05-12 Relisted — MARIS as Distributed by MLS Grid
• 2017-05-02 Contingent — MARIS as Distributed by MLS Grid
• 2017-04-04 Price Changed $132,500 MARIS as Distributed by MLS Grid
• 2017-03-30 Listed $164,900 MARIS as Distributed by MLS Grid

Property tax history

+6.3%/yr

Latest (2022): $4,102 · +1.8% YoY. Source: county tax records.