107 Habecking Dr · Riverview, MO 63137

$109,900

3 bd · 2.0 ba · 1,738 sqft · SingleFamily public records · 7 Days on market

Built 1952 10,149 sqft lot Est $113k · at est.

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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 +29.3/30.0
• DSCR +10.0/10.0
• ARV discount +8.7/15.0
• 1% rule +8.4/10.0
• Rent growth +4.1/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity awaits in this spacious 3-bedroom, 2-bath brick ranch offering over 1,700 square feet of main-level living space! Situated on a large level lot, this all-electric home features a private driveway, attached garage, and plenty of backyard space for outdoor enjoyment. Check out the hardwood floors! Recent updates include a newer water heater. Home will require some work and cosmetic improvements, making it an excellent opportunity for investors, flippers, or buyers looking to build sweat equity. Full of potential, this handyman special is ready for its next chapter.

Key facts

• 0.23 acre lot
• Garage
• Built 1952

Property features AI

Finance

• Other: Living area reported as 1,738 (per assessor)
• Financial info: Seller may consider concessions; Lease not considered

Exterior

• Parking: Driveway; Attached garage (1-car, approximately 12 x 25)
• Utilities: Public water; Public sewer; Single-phase electric; Cable available; Phone available
• Home design: Single-family residence; One level; Fixer condition; Residential property
• Construction: Brick construction; Architectural shingle roof; Concrete perimeter foundation; Built (year per assessor)
• Exterior features: Rear porch; Level lot; Asphalt road frontage

Interior

• Kitchen: Dishwasher; Microwave; Free-standing electric range; Free-standing refrigerator
• Bedrooms: Three bedrooms on the main level
• Flooring: Hardwood
• Bathrooms: Two full bathrooms on the main level
• Heating & cooling: Forced-air heating; Central air conditioning
• Interior features: Wood-burning fireplace (one); Hardwood floors
• Laundry & utility: Laundry on the main level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $385 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $110k).
• Cap rate 10.5% vs local median 13.2% in Riverview — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 58/100 on livability (#579 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D+, crime F, amenities F.
• Riverview Gardens (suburban): math 2% / reading 9% proficiency, ranked #324 of 324 in MO (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 90% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Highland Elem. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 274 students, 99% FRL); Riverview Gardens Sr. High (math 2% / reading 18%, grade F, #501 of 521 statewide, top 97%, 1,331 students, 100% FRL).
• Market conditions: Rents rising fast (+6.6%/yr); 201 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• This rent runs 41% of the median local income ($43k/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 $760 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $31k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1952 — 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 $109,900

Questions for the listing agent

1. Built in 1952 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 1.34% ✓
• Cap rate: 10.50%
• Cash-on-cash: 15.03%
• DSCR: 1.67
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $112,970
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
132 Habecking Dr	0.07mi	4/1.5 (+1)	1,706 (-2%)	6mo	$99,000	$58	82
10027 Grosvenor Dr	0.02mi	3/3.0	1,540 (-11%)	2mo	$67,000	$44	75
224 Tay Rd	0.43mi	3/1.0	1,734 (-0%)	1mo	$62,500	$36	75
368 Cameron Rd	0.18mi	4/1.0 (+1)	1,628 (-6%)	6mo	$99,900	$61	67
9910 Parkway Dr	0.33mi	3/2.5	1,568 (-10%)	2mo	$219,900	$140	64
333 Lanark Rd	0.39mi	3/1.0	1,670 (-4%)	9mo	$109,000	$65	64
10102 Lookaway Dr	0.25mi	3/2.0	1,900 (+9%)	14mo	$209,000	$110	61
416 Midlothian Rd	0.51mi	4/1.5 (+1)	1,800 (+4%)	7mo	$129,900	$72	58
129 Perthshire Rd	0.60mi	3/1.0	1,689 (-3%)	10mo	$120,000	$71	55
10560 Spring Garden Dr	0.69mi	3/1.0	1,765 (+2%)	13mo	$107,000	$61	50
9734 Diamond Dr	0.58mi	2/2.0 (-1)	1,956 (+12%)	5mo	$75,000	$38	43
539 Topaz Ave	0.75mi	2/1.0 (-1)	1,676 (-4%)	13mo	$125,000	$75	39

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 · 6.59% rent growth · sell at horizon

5-year hold

• IRR: 9.7%
• Equity multiple: 1.40×
• Total profit: $12,271
• Equity at exit: $16,386

10-year hold

• IRR: 21.7%
• Equity multiple: 3.17×
• Total profit: $66,750
• Equity at exit: $9,502

Cash invested: $30,772 (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 63137

• Rents YoY: 6.6%
• Active inventory: 201
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,472 high
• Mortgage (P&I): −$576
• Tax from tax record: −$155 /mo · $1,861/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$309
• Net cashflow: $385

Break-even live

Break-even rent $984

Max offer price $109,900

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: $27,475
• Closing costs: $3,297
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
368 Cameron Rd Saint Louis, MO	4.0	1.0	1628	$1,580	$0.97	44d	1	0.18mi
10063 Northgate Dr Saint Louis, MO	2.0	1.0	1054	$1,200	$1.14	44d	1	0.20mi
308 Lanark Rd Saint Louis, MO	3.0	1.0	1154	$1,400	$1.21	24d	1	0.33mi
400 Lancashire Rd Saint Louis, MO	3.0	1.0	1200	$1,095	$0.91	44d	1	0.41mi
437 Lancashire Rd Saint Louis, MO	3.0	1.0	1082	$1,395	$1.29	44d	1	0.47mi
251 Midlothian Rd Saint Louis, MO	3.0	1.0	1058	$1,499	$1.42	44d	1	0.48mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,350	$1.21	11d	1	0.50mi
10409 Renfrew Dr Saint Louis, MO	3.0	1.0	1644	$1,250	$0.76	24d	1	0.50mi
10325 Lookaway Dr Saint Louis, MO	4.0	2.0	1248	$2,000	$1.60	11d	1	0.51mi
10052 Diamond Dr Saint Louis, MO	4.0	1.0	1181	$1,495	$1.27	12d	1	0.53mi
133 Perthshire Rd Saint Louis, MO	3.0	1.0	1225	$1,499	$1.22	44d	1	0.56mi
10515 Renfrew Dr Saint Louis, MO	3.0	1.0	1670	$1,400	$0.84	4d	1	0.62mi
10515 Renfrew Dr Saint Louis, MO	3.0	1.0	1670	$1,400	$0.84	8d	1	0.62mi
10401 Hobkirk Dr Saint Louis, MO	3.0	1.0	1050	$1,500	$1.43	17d	1	0.63mi
10518 Gretna Cir Saint Louis, MO	3.0	1.0	1082	$1,450	$1.34	24d	1	0.66mi
10052 Lilac Ave Saint Louis, MO	3.0	1.5	1143	$1,100	$0.96	8d	1	0.66mi
371 Adrian Dr Saint Louis, MO	2.0	1.0	1337	$1,200	$0.90	44d	1	0.72mi
9943 Lilac Dr Saint Louis, MO	2.0	1.0	1086	$1,000	$0.92	44d	1	0.75mi
10201 McCartney Ln Saint Louis, MO	3.0	2.0	1504	$1,565	$1.04	16d	1	0.78mi
435 Adrian Dr Saint Louis, MO	3.0	1.0	1100	$950	$0.86	20d	1	0.80mi
637 Karess Dr Saint Louis, MO	2.0	2.0	1190	$1,525	$1.28	12d	1	0.94mi
808 Bella Ln Saint Louis, MO	4.0	2.0	1300	$1,650	$1.27	17d	1	0.99mi
9517 West Ave Unit 1F St. Louis, MO	3.0	1.0	1300	$1,300	$1.00	44d	1	1.32mi
941 Pike Ct St. Louis, MO	3.0	1.5	1431	$1,255	$0.88	4d	1	1.40mi
941 Pike Ct St. Louis, MO	3.0	1.5	1431	$1,255	$0.88	24d	1	1.40mi

Listing history 5 events

1. 2026-06-15
   days on market $109,900 Coming Soon 7 DOM
2. 2026-06-13
   days on market $109,900 Coming Soon 5 DOM
3. 2026-06-13
   days on market $109,900 Coming Soon 4 DOM
4. 2026-06-08
   remarks 581-char remark
5. 2026-06-08
   listed $109,900 Coming Soon 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: $1,861 · $155/mo
• Projected year-2 tax: $1,861 · $155/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 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,658
• − Mortgage interest: −$6,156
• − Property taxes: −$1,861
• − Insurance: −$550
• − Repairs & maintenance: −$1,413
• − Management: −$1,413
• − Depreciation: −$3,197
• Taxable income: $3,069
• Est. tax owed @ 24.0%: −$737
• After-tax cash flow: $3,887/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: Riverview Gardens
• NCES district ID: 2926670
• Math proficiency: 2% ▼ -6.00%
• Reading proficiency: 9% ▼ -6.00%
• Median HH income: $32,759
• Composite: 4.22/100
• National rank: #10058
• State rank: #324 of 324 in MO

Livability — Riverview

• Score: 58/100
• State rank: #579
• US rank: #20673

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Riverview, MO
• County: Saint Louis County · 888,823 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 19,684
• Household income: $43,422
• Rent vs Own: 52.2% rent · 47.8% own
• Severe rent burden: 1863.0

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 Black (82%)
• Race & ethnicity: Black 82% White 13% Two or more races 3%
• Common ancestry: Romanian 1% Lithuanian 1% Italian 1%
• Foreign-born: 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: ▼ -96.70%
• Current HPI: 130.6765
• Rent YoY: ▲ 6.59%
• 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

+66.5% since first listed

7 events — show timeline

• 2026-06-08 Coming Soon $109,900 MARIS as Distributed by MLS Grid
• 2023-01-12 Sold (Public Records) $149,000 Public Records
• 2021-11-15 Sold (Public Records) — Public Records
• 2020-11-16 Sold (Public Records) $30,000 Public Records
• 2007-06-14 Sold (Public Records) $58,000 Public Records
• 2002-09-17 Sold (Public Records) $85,000 Public Records
• 1999-11-08 Sold (Public Records) $66,000 Public Records

Property tax history

+3.3%/yr

Latest (2022): $1,861 · +1.0% YoY. Source: county tax records.