5344 Northland Ave · St. Louis, MO 63112

$76,900

3 bd · 1.0 ba · 925 sqft · SingleFamily public records · 121 Days on market

Built 2003 $83/sqft · 165% above area ↓ 14% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +3.1/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming 3-bedroom 1 bathroom ranch home currently tenant-occupied, which offers immediate rental income. Making this an excellent choice for investor in a family -friendly neighborhood of St. Louis. Enjoy an open-concept design with a bright living room that flows into a nice kitchen with newer applicants. Home many need some love but minimal, home has been kept up throughout the years. The backyard is fenced for children and pets. Located within walking distance to transportation, this home combines convenience and relaxation. New stack and new plumbing to streets. Its proximity to major highways ensures easy access to downtown and the surrounding areas. This will-maintained property is not just a home, its an investment ready to continue generating steady returns. Don’t mis out on this excellent opportunity.

Key facts

• Built 2003
• Listed 120 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $77k.

Deal economics

• At list price, monthly cash flow is $563 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $77k).
• Recommended offer: $68k (12.0% below list) — sets the bar for market timing.
• Cap rate 15.1% 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: Rents rising (+2.4%/yr); 121 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% 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).
• This rent runs 34% of the median local income ($46k/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 $532 of loan paydown is wiped out by about $2k 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 + 2.4% rent growth), your $22k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 121 days — a 12% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask has dropped $12k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $67,672 (12.0% below list)

Questions for the listing agent

1. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.68% ✓
• Cap rate: 15.08%
• Cash-on-cash: 31.39%
• DSCR: 2.40
• GRM: 5.0

CMA / ARV

• ARV (median comp): $28,976
• List price: $76,900
• Delta: 165.39%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2810 Arlington Ave	0.15mi	2/1.0 (-1)	968 (+5%)	5mo	$25,000	$26	76
1965 Arlington Ave	0.15mi	3/1.0	980 (+6%)	18mo	$39,000	$40	68
2806 Union Blvd	0.17mi	2/1.0 (-1)	858 (-7%)	10mo	$15,000	$17	67
5232 Highland Ave	0.18mi	3/1.5	1,030 (+11%)	6mo	$65,000	$63	66
5124 Lotus Ave	0.35mi	3/1.0	960 (+4%)	15mo	$30,000	$31	65
5114 Maffitt Ave	0.34mi	2/1.0 (-1)	930 (+0%)	17mo	$22,900	$25	64
5219 Maffitt Ave	0.25mi	2/1.0 (-1)	960 (+4%)	17mo	$25,000	$26	63
1636 Belt Ave	0.35mi	2/1.0 (-1)	1,003 (+8%)	9mo	$19,900	$20	57
1632 Belt Ave	0.36mi	2/1.0 (-1)	1,003 (+8%)	12mo	$37,900	$38	55
5658 Maffitt Ave	0.54mi	2/1.0 (-1)	850 (-8%)	4mo	$25,000	$29	54
5226 Saint Louis Ave	0.30mi	2/1.0 (-1)	1,050 (+14%)	11mo	$65,000	$62	50
5710 Saint Louis Ave	0.61mi	2/1.0 (-1)	1,000 (+8%)	8mo	$25,000	$25	47

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 · 2.39% rent growth · sell at horizon

5-year hold

• IRR: 25.6%
• Equity multiple: 2.05×
• Total profit: $22,596
• Equity at exit: $11,466

10-year hold

• IRR: 32.9%
• Equity multiple: 3.91×
• Total profit: $62,565
• Equity at exit: $6,649

Cash invested: $21,532 (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 63112

• Rents YoY: 2.4%
• Active inventory: 121
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $1,292 high
• Mortgage (P&I): −$403
• Tax from tax record: −$22 /mo · $267/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$271
• Net cashflow: $563

Break-even live

Break-even rent $579

Max offer price $76,900

Occupancy floor 51%

Sensitivity live

Price	-10% $607	-5% $585	+0% $563	+5% $541	+10% $520
Rent	-10% $461	-5% $512	+0% $563	+5% $614	+10% $665
Rate	-1.0pp $602	-0.5pp $583	base $563	+0.5pp $543	+1.0pp $523

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: $19,225
• Closing costs: $2,307
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2831 Abner Pl Unit 7 St. Louis, MO	2.0	1.0	968	$1,250	$1.29	25d	1	0.16mi
1965 Arlington Ave Saint Louis, MO	3.0	1.0	980	$1,300	$1.33	5d	1	0.18mi
5608 Wabada Ave Saint Louis, MO	2.0	1.0	910	$1,300	$1.43	17d	1	0.48mi
5662 Maffitt Ave Saint Louis, MO	2.0	1.0	850	$895	$1.05	9d	1	0.56mi
1420 Union Blvd Unit 2F St. Louis, MO	2.0	1.0	1096	$995	$0.91	45d	1	0.60mi
5203 Page Blvd Unit 5201 1st Floor St. Louis, MO	2.0	1.0	1000	$750	$0.75	16d	1	0.80mi
1232 N Euclid Ave Saint Louis, MO	3.0	1.5	982	$1,395	$1.42	45d	1	0.99mi
4627 Maffitt Ave Saint Louis, MO	2.0	1.0	704	$795	$1.13	45d	1	1.04mi
5345 Cabanne Ave Unit 5345 Cabanne 1S St. Louis, MO	2.0	1.0	800	$950	$1.19	45d	1	1.08mi
5818 Ferris Ave Saint Louis, MO	3.0	1.0	1014	$1,500	$1.48	45d	1	1.11mi
5824 Ferris Ave Saint Louis, MO	4.0	2.0	1008	$1,500	$1.49	45d	1	1.12mi
3720 Darby St Saint Louis, MO	2.0	1.0	960	$1,123	$1.17	45d	1	1.27mi
1266 Amherst Pl Unit 2nd floor St. Louis, MO	2.0	1.0	1050	$1,000	$0.95	45d	1	1.30mi
5989 Julian Ave Unit 37 St. Louis, MO	2.0	1.0	780	$1,200	$1.54	19d	1	1.33mi
4642 Farlin Ave Unit 1F St. Louis, MO	2.0	1.0	1056	$800	$0.76	45d	1	1.33mi
763 Walton Ave Unit 763 St. Louis, MO	2.0	1.0	1100	$1,100	$1.00	45d	1	1.38mi
5572 Clemens Ave Unit 1W St. Louis, MO	3.0	1.0	900	$1,025	$1.14	16d	1	1.43mi
4378 Cottage Ave St. Louis, MO	2.0	1.5	950	$924	$0.97	0d	5	1.44mi
4847 Calvin Ave Saint Louis, MO	3.0	2.0	1000	$1,473	$1.47	3d	1	1.45mi
5803 Cabanne Ave Saint Louis, MO	2.0	1.0	600	$1,200	$2.00	5d	1	1.45mi
625 N Euclid Ave St. Louis, MO	2.0	1.0–2.0	984	$3,120	$3.17	0d	16	1.46mi
5811 Cabanne Ave St. Louis, MO	2.0	1.0	800	$1,250	$1.56	45d	1	1.46mi

Listing history 27 events

1. 2026-06-21
   days on market $76,900 Active 121 DOM
2. 2026-06-18
   days on market $76,900 Active 118 DOM
3. 2026-06-17
   days on market $76,900 Active 117 DOM
4. 2026-06-16
   days on market $76,900 Active 116 DOM
5. 2026-06-15
   days on market $76,900 Active 115 DOM
6. 2026-06-13
   days on market $76,900 Active 113 DOM
7. 2026-06-09
   days on market $76,900 Active 109 DOM
8. 2026-06-08
   days on market $76,900 Active 108 DOM
9. 2026-06-08
   days on market $76,900 Active 107 DOM
10. 2026-06-05
    days on market $76,900 Active 104 DOM
11. 2026-06-03
    days on market $76,900 Active 103 DOM
12. 2026-06-02
    days on market $76,900 Active 102 DOM
13. 2026-06-01
    days on market $76,900 Active 101 DOM
14. 2026-05-31
    days on market $76,900 Active 100 DOM
15. 2026-05-11
    status Active 837-char remark

    Show marketing remark (837 chars)

    This charming 3-bedroom 1 bathroom ranch home currently tenant-occupied, which offers immediate rental income. Making this an excellent choice for investor in a family -friendly neighborhood of St. Louis. Enjoy an open-concept design with a bright living room that flows into a nice kitchen with newer applicants. Home many need some love but minimal, home has been kept up throughout the years. The backyard is fenced for children and pets. Located within walking distance to transportation, this home combines convenience and relaxation. New stack and new plumbing to streets. Its proximity to major highways ensures easy access to downtown and the surrounding areas. This will-maintained property is not just a home, its an investment ready to continue generating steady returns. Don’t mis out on this excellent opportunity.

16. 2026-04-11
    status Pending 837-char remark

    Show marketing remark (837 chars)

    This charming 3-bedroom 1 bathroom ranch home currently tenant-occupied, which offers immediate rental income. Making this an excellent choice for investor in a family -friendly neighborhood of St. Louis. Enjoy an open-concept design with a bright living room that flows into a nice kitchen with newer applicants. Home many need some love but minimal, home has been kept up throughout the years. The backyard is fenced for children and pets. Located within walking distance to transportation, this home combines convenience and relaxation. New stack and new plumbing to streets. Its proximity to major highways ensures easy access to downtown and the surrounding areas. This will-maintained property is not just a home, its an investment ready to continue generating steady returns. Don’t mis out on this excellent opportunity.

17. 2026-03-01
    price $76,900 837-char remark

    Show marketing remark (837 chars)

    This charming 3-bedroom 1 bathroom ranch home currently tenant-occupied, which offers immediate rental income. Making this an excellent choice for investor in a family -friendly neighborhood of St. Louis. Enjoy an open-concept design with a bright living room that flows into a nice kitchen with newer applicants. Home many need some love but minimal, home has been kept up throughout the years. The backyard is fenced for children and pets. Located within walking distance to transportation, this home combines convenience and relaxation. New stack and new plumbing to streets. Its proximity to major highways ensures easy access to downtown and the surrounding areas. This will-maintained property is not just a home, its an investment ready to continue generating steady returns. Don’t mis out on this excellent opportunity.

18. 2026-02-11
    price $84,999 837-char remark

    Show marketing remark (837 chars)

    This charming 3-bedroom 1 bathroom ranch home currently tenant-occupied, which offers immediate rental income. Making this an excellent choice for investor in a family -friendly neighborhood of St. Louis. Enjoy an open-concept design with a bright living room that flows into a nice kitchen with newer applicants. Home many need some love but minimal, home has been kept up throughout the years. The backyard is fenced for children and pets. Located within walking distance to transportation, this home combines convenience and relaxation. New stack and new plumbing to streets. Its proximity to major highways ensures easy access to downtown and the surrounding areas. This will-maintained property is not just a home, its an investment ready to continue generating steady returns. Don’t mis out on this excellent opportunity.

19. 2026-01-21
    listed $89,000 Active 837-char remark

    Show marketing remark (837 chars)

    This charming 3-bedroom 1 bathroom ranch home currently tenant-occupied, which offers immediate rental income. Making this an excellent choice for investor in a family -friendly neighborhood of St. Louis. Enjoy an open-concept design with a bright living room that flows into a nice kitchen with newer applicants. Home many need some love but minimal, home has been kept up throughout the years. The backyard is fenced for children and pets. Located within walking distance to transportation, this home combines convenience and relaxation. New stack and new plumbing to streets. Its proximity to major highways ensures easy access to downtown and the surrounding areas. This will-maintained property is not just a home, its an investment ready to continue generating steady returns. Don’t mis out on this excellent opportunity.

20. 2026-01-21
    historical $89,000 837-char remark

    Show marketing remark (837 chars)

    This charming 3-bedroom 1 bathroom ranch home currently tenant-occupied, which offers immediate rental income. Making this an excellent choice for investor in a family -friendly neighborhood of St. Louis. Enjoy an open-concept design with a bright living room that flows into a nice kitchen with newer applicants. Home many need some love but minimal, home has been kept up throughout the years. The backyard is fenced for children and pets. Located within walking distance to transportation, this home combines convenience and relaxation. New stack and new plumbing to streets. Its proximity to major highways ensures easy access to downtown and the surrounding areas. This will-maintained property is not just a home, its an investment ready to continue generating steady returns. Don’t mis out on this excellent opportunity.

21. 2025-09-12
    status Active
22. 2025-08-23
    status Pending
23. 2025-07-29
    status Active
24. 2025-07-29
    price $86,000
25. 2025-06-30
    status Pending
26. 2025-06-22
    listed $89,000 Active
27. 1995-02-22
    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: $267 · $22/mo
• Projected year-2 tax: $746 · $62/mo
• Expected delta: +$479/yr (+$40/mo · 178.9%)

ⓘ 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 · 20 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: $15,506
• − Mortgage interest: −$4,308
• − Property taxes: −$267
• − Insurance: −$384
• − Repairs & maintenance: −$1,240
• − Management: −$1,240
• − Depreciation: −$2,237
• Taxable income: $5,828
• Est. tax owed @ 24.0%: −$1,399
• After-tax cash flow: $5,360/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 City · 254,015 people
• City population: 283,259
• Metro: St. Louis, MO-IL
• Population (ZIP): 17,985
• Household income: $45,542
• Rent vs Own: 64.1% rent · 35.9% own
• Severe rent burden: 1457.0

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: Majority Black (63%)
• Race & ethnicity: Black 63% White 24% Asian 6% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Lithuanian 1% Scotch-Irish 1% Romanian 1%
• Foreign-born: 9% · China, South Korea, Canada
• Languages at home: 88% English-only · Spanish 3% Chinese 2% Korean 2%

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: ▼ -158.94%
• Current HPI: 115.1863
• Rent YoY: ▲ 2.39%
• 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

-13.6% since first listed

13 events — show timeline

• 2026-05-11 Relisted — MARIS as Distributed by MLS Grid
• 2026-04-11 Pending — MARIS as Distributed by MLS Grid
• 2026-03-01 Price Changed $76,900 MARIS as Distributed by MLS Grid
• 2026-02-11 Price Changed $84,999 MARIS as Distributed by MLS Grid
• 2026-01-21 Listed $89,000 MARIS as Distributed by MLS Grid
• 2026-01-21 Coming Soon $89,000 MARIS as Distributed by MLS Grid
• 2025-09-12 Relisted — MARIS as Distributed by MLS Grid
• 2025-08-23 Pending — MARIS as Distributed by MLS Grid
• 2025-07-29 Relisted — MARIS as Distributed by MLS Grid
• 2025-07-29 Price Changed $86,000 MARIS as Distributed by MLS Grid
• 2025-06-30 Pending — MARIS as Distributed by MLS Grid
• 2025-06-22 Listed $89,000 MARIS as Distributed by MLS Grid
• 1995-02-22 Sold (Public Records) — Public Records

Property tax history

-1.1%/yr

Latest (2024): $267 · +4.6% YoY. Source: county tax records.