2064 Chambers Rd · Castle Point, MO 63136

$78,500

3 bd · 1.0 ba · 828 sqft · SingleFamily public records · 48 Days on market

Built 1940 5,388 sqft lot $95/sqft · at area comps Est $77k · 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +6.9/10.0
• ARV discount +6.6/15.0
• Rent growth +3.7/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0

Listing remarks MLS

Perfect opportunity for investor or first time home buyer! This 3 bedroom 1 bath in Saint Louis features amazing hardwood floors throughout the living room and main bedroom downstairs. Kitchen has brand new cabinets, white tile flooring, and newer appliances. Spacious backyard and two driveways for all your hosting needs! Schedule your tour today!

Key facts

• Two driveways
• Spacious backyard
• Newer appliances

Tags

• HARDWOOD FLOORS
• BRAND NEW CABINETS
• WHITE TILE FLOORING
• NEWER APPLIANCES
• SPACIOUS BACKYARD
• TWO DRIVEWAYS

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $78k.

Deal economics

• At list price, monthly cash flow is $512 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $78k).
• Recommended offer: $76k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#313 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime B; Watch: schools F, amenities F, commute 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.
• Market conditions: Rents rising fast (+5.0%/yr); 372 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• This rent runs 37% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $4k of equity ($543 loan paydown + $3k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 48 days — a 3% lower offer ($76k) is reasonable based on typical stale-listing flexibility.
• 3 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 $46k; list at $78k implies a 69% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — 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 $76,145 (3.0% below list)

Questions for the listing agent

1. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1940 — 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 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?
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: 1.62% ✓
• Cap rate: 14.11%
• Cash-on-cash: 27.93%
• DSCR: 2.24
• GRM: 5.2

CMA / ARV

• ARV (median comp): $76,910
• List price: $78,500
• Delta: 2.07%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2042 Kappel Dr	0.25mi	2/1.0 (-1)	828 (0%)	1mo	$49,900	$60	83
9840 Green Valley Dr	0.23mi	2/1.0 (-1)	816 (-1%)	2mo	$83,000	$102	80
10038 Balboa Dr	0.35mi	3/1.0	864 (+4%)	2mo	$49,900	$58	75
1829 Chambers Rd	0.48mi	2/1.0 (-1)	816 (-1%)	2mo	$34,900	$43	69
9858 Green Valley Dr	0.22mi	3/2.0	936 (+13%)	2mo	$74,900	$80	62
10157 Winkler Dr	0.50mi	2/1.0 (-1)	792 (-4%)	5mo	$60,000	$76	60
10236 Monarch Dr	0.70mi	3/1.5	850 (+3%)	1mo	$35,000	$41	60
9606 Lifford Ct	0.62mi	2/1.0 (-1)	800 (-3%)	1mo	$130,000	$163	60
10035 Clairmont Dr	0.55mi	2/1.0 (-1)	735 (-11%)	1mo	$74,900	$102	50
9604 Winkler Dr	0.48mi	2/1.0 (-1)	720 (-13%)	2mo	$39,000	$54	50
10228 Viscount Dr	0.64mi	3/1.5	925 (+12%)	2mo	$155,000	$168	47
9800 Tullamoor Dr	0.42mi	2/1.0 (-1)	952 (+15%)	5mo	$129,000	$136	47

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

Projected returns pro-forma

3.79% appreciation · 4.97% rent growth · sell at horizon

5-year hold

• IRR: 36.7%
• Equity multiple: 3.18×
• Total profit: $47,924
• Equity at exit: $38,841

10-year hold

• IRR: 37.0%
• Equity multiple: 6.69×
• Total profit: $125,011
• Equity at exit: $62,774

Cash invested: $21,980 (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 63136

• Home prices YoY: 0.9%
• Rents YoY: 5.0%
• Active inventory: 372
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,269 high
• Mortgage (P&I): −$412
• Tax from tax record: −$47 /mo · $560/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $512

Break-even live

Break-even rent $622

Max offer price $78,500

Occupancy floor 55%

Sensitivity live

Price	-10% $556	-5% $534	+0% $512	+5% $489	+10% $467
Rent	-10% $411	-5% $461	+0% $512	+5% $562	+10% $612
Rate	-1.0pp $551	-0.5pp $532	base $512	+0.5pp $491	+1.0pp $471

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: $19,625
• Closing costs: $2,355
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	24d	1	0.27mi
1926 Chambers Rd Saint Louis, MO	4.0	1.0	1095	$995	$0.91	15d	1	0.27mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	8d	1	0.33mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	8d	1	0.33mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	44d	1	0.34mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	24d	1	0.36mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	24d	1	0.38mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	44d	1	0.38mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	3d	1	0.43mi
9709 Balboa Dr Saint Louis, MO	3.0	1.0	1000	$1,600	$1.60	44d	1	0.46mi
2152 Nemnich Rd Saint Louis, MO	2.0	1.5	1030	$1,100	$1.07	44d	1	0.56mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	24d	1	0.59mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	24d	1	0.59mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	44d	1	0.63mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	8d	1	0.66mi
1733 Kappel Ave Saint Louis, MO	3.0	1.0	912	$1,250	$1.37	24d	1	0.66mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	24d	1	0.67mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	44d	1	0.71mi
9840 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	44d	1	0.74mi
9839 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	44d	1	0.77mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	24d	1	0.79mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	44d	1	0.79mi
9725 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,485	$1.63	44d	1	0.81mi
9868 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,175	$1.14	44d	1	0.81mi
9547 Glen Owen Dr Saint Louis, MO	2.0	1.0	923	$985	$1.07	24d	1	0.82mi
9750 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,100	$1.07	44d	1	0.82mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	44d	1	0.86mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	8d	1	0.87mi
1654 Mowbry Ln Saint Louis, MO	3.0	1.0	936	$1,300	$1.39	24d	1	0.90mi
9850 Dennis Dr Saint Louis, MO	2.0	1.0	1032	$1,175	$1.14	44d	1	0.92mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	22d	1	0.92mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	2d	1	0.93mi
9845 Dennis Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	13d	1	0.94mi
9717 Dennis Dr Saint Louis, MO	3.0	1.0	1056	$1,323	$1.25	44d	1	1.00mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	4d	1	1.01mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	8d	1	1.01mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	15d	1	1.06mi
1550 Northwinds Estates Dr St. Louis, MO	1.0–2.0	1.0–1.5	877	$1,050	$1.20	44d	1	1.11mi
8893 Maya Ln Jennings, MO	1.0–2.0	1.0	600	$930	$1.55	24d	6	1.11mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	24d	1	1.14mi

Listing history 32 events

1. 2026-06-18
   days on market $78,500 Active 48 DOM
2. 2026-06-17
   days on market $78,500 Active 47 DOM
3. 2026-06-16
   days on market $78,500 Active 46 DOM
4. 2026-06-15
   days on market $78,500 Active 45 DOM
5. 2026-06-13
   days on market $78,500 Active 43 DOM
6. 2026-06-13
   days on market $78,500 Active 42 DOM
7. 2026-06-09
   days on market $78,500 Active 39 DOM
8. 2026-06-08
   days on market $78,500 Active 38 DOM
9. 2026-06-07
   days on market $78,500 Active 37 DOM
10. 2026-06-05
    days on market $78,500 Active 34 DOM
11. 2026-06-03
    days on market $78,500 Active 33 DOM
12. 2026-06-02
    days on market $78,500 Active 32 DOM
13. 2026-06-01
    days on market $78,500 Active 31 DOM
14. 2026-06-01
    price $78,500 Active 30 DOM
15. 2026-05-31
    days on market $79,500 Active 30 DOM

    Show marketing remark (349 chars)

    Perfect opportunity for investor or first time home buyer! This 3 bedroom 1 bath in Saint Louis features amazing hardwood floors throughout the living room and main bedroom downstairs. Kitchen has brand new cabinets, white tile flooring, and newer appliances. Spacious backyard and two driveways for all your hosting needs! Schedule your tour today!

16. 2026-05-12
    price $79,500 349-char remark

    Show marketing remark (349 chars)

    Perfect opportunity for investor or first time home buyer! This 3 bedroom 1 bath in Saint Louis features amazing hardwood floors throughout the living room and main bedroom downstairs. Kitchen has brand new cabinets, white tile flooring, and newer appliances. Spacious backyard and two driveways for all your hosting needs! Schedule your tour today!

17. 2026-05-01
    listed $80,000 Active 349-char remark

    Show marketing remark (349 chars)

    Perfect opportunity for investor or first time home buyer! This 3 bedroom 1 bath in Saint Louis features amazing hardwood floors throughout the living room and main bedroom downstairs. Kitchen has brand new cabinets, white tile flooring, and newer appliances. Spacious backyard and two driveways for all your hosting needs! Schedule your tour today!

18. 2022-01-13
    status Pending 264-char remark

    Show marketing remark (264 chars)

    Cute little bungalow, perfect for investment property. 3 bedrm 1 ba, Livingrm, Dining rm, Kitchen, sunroom. off street parking. Home is occupied with section 8 tenant, rent is $775.00 with 8 more months on the lease. The photos are prior to the tenant moving in.

19. 2022-01-11
    soldstatus $46,500
20. 2022-01-10
    soldstatus Closed 264-char remark

    Show marketing remark (264 chars)

    Cute little bungalow, perfect for investment property. 3 bedrm 1 ba, Livingrm, Dining rm, Kitchen, sunroom. off street parking. Home is occupied with section 8 tenant, rent is $775.00 with 8 more months on the lease. The photos are prior to the tenant moving in.

21. 2021-12-21
    historical Active Under Contract 264-char remark

    Show marketing remark (264 chars)

    Cute little bungalow, perfect for investment property. 3 bedrm 1 ba, Livingrm, Dining rm, Kitchen, sunroom. off street parking. Home is occupied with section 8 tenant, rent is $775.00 with 8 more months on the lease. The photos are prior to the tenant moving in.

22. 2021-11-19
    price $51,900 264-char remark

    Show marketing remark (264 chars)

    Cute little bungalow, perfect for investment property. 3 bedrm 1 ba, Livingrm, Dining rm, Kitchen, sunroom. off street parking. Home is occupied with section 8 tenant, rent is $775.00 with 8 more months on the lease. The photos are prior to the tenant moving in.

23. 2021-06-03
    price $54,900 264-char remark

    Show marketing remark (264 chars)

    Cute little bungalow, perfect for investment property. 3 bedrm 1 ba, Livingrm, Dining rm, Kitchen, sunroom. off street parking. Home is occupied with section 8 tenant, rent is $775.00 with 8 more months on the lease. The photos are prior to the tenant moving in.

24. 2021-04-04
    listed $64,900 Active 264-char remark

    Show marketing remark (264 chars)

    Cute little bungalow, perfect for investment property. 3 bedrm 1 ba, Livingrm, Dining rm, Kitchen, sunroom. off street parking. Home is occupied with section 8 tenant, rent is $775.00 with 8 more months on the lease. The photos are prior to the tenant moving in.

25. 2018-05-10
    soldstatus $38,500
26. 2017-11-24
    soldstatus Closed
27. 2017-08-30
    soldstatus $14,500
28. 2017-08-09
    status Pending
29. 2017-08-02
    historical Contingent (No Kickout)
30. 2017-07-28
    listed $12,900 Active
31. 2015-10-07
    price $39,000
32. 2005-09-07
    soldstatus $41,300

ⓘ 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: $560 · $47/mo
• Projected year-2 tax: $761 · $63/mo
• Expected delta: +$201/yr (+$17/mo · 36.0%)

ⓘ 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: $15,230
• − Mortgage interest: −$4,397
• − Property taxes: −$560
• − Insurance: −$392
• − Repairs & maintenance: −$1,218
• − Management: −$1,218
• − Depreciation: −$2,284
• Taxable income: $5,160
• Est. tax owed @ 24.0%: −$1,238
• After-tax cash flow: $4,901/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 — Castle Point

• Score: 64/100
• State rank: #313
• US rank: #14373

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Saint Louis County · 888,823 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 40,929
• Household income: $41,154
• Rent vs Own: 53.1% rent · 46.9% own
• Severe rent burden: 3085.0

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 (90%)
• Race & ethnicity: Black 90% White 5% Two or more races 3%
• Foreign-born: 1% · Canada

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: ▲ 3.79%
• Current HPI: 420.28
• Rent YoY: ▲ 4.97%
• 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

+90.1% since first listed

18 events — show timeline

• 2026-05-31 Price Changed $78,500 MARIS as Distributed by MLS Grid
• 2026-05-12 Price Changed $79,500 MARIS as Distributed by MLS Grid
• 2026-05-01 Listed $80,000 MARIS as Distributed by MLS Grid
• 2022-01-13 Pending — MARIS as Distributed by MLS Grid
• 2022-01-11 Sold (Public Records) $46,500 Public Records
• 2022-01-10 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2021-12-21 Contingent — MARIS as Distributed by MLS Grid
• 2021-11-19 Price Changed $51,900 MARIS as Distributed by MLS Grid
• 2021-06-03 Price Changed $54,900 MARIS as Distributed by MLS Grid
• 2021-04-04 Listed $64,900 MARIS as Distributed by MLS Grid
• 2018-05-10 Sold (Public Records) $38,500 Public Records
• 2017-11-24 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2017-08-30 Sold (Public Records) $14,500 Public Records
• 2017-08-09 Pending — MARIS as Distributed by MLS Grid
• 2017-08-02 Contingent — MARIS as Distributed by MLS Grid
• 2017-07-28 Listed $12,900 MARIS as Distributed by MLS Grid
• 2015-10-07 Price Changed $39,000 MARIS as Distributed by MLS Grid
• 2005-09-07 Sold (Public Records) $41,300 Public Records

Property tax history

-1.7%/yr

Latest (2022): $560 · +0.4% YoY. Source: county tax records.