2427 N 7th St · St. Charles, MO 63301

$225,000

2 bd · 1.0 ba · 993 sqft · SingleFamily public records · 1 Days on market

Built 1881 5,998 sqft lot $227/sqft · 22% above area Est $301k · 25% under

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Why this score? — see what drove the F 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 +15.0/15.0
• Cash flow +6.1/30.0
• Schools +4.1/10.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.0/10.0
• DSCR +0.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Step into this beautifully remodeled 3 bedroom, 1 bath home that offers exceptional value and modern features including main floor laundry. The Bright and welcoming interior has been thoughtfully updated, providing a cozy and stylish living space. The kitchen features 42 inch shaker cabinets, granite counters, tile backsplash, breakfast bar island and stainless appliances! The bathroom has also been updated top to bottom! With a spacious and convenient oversized garage, you'll never worry about storage or parking! This property combines comfort, affordability and close proximity to highways, shops and restaurants making it an ideal choice for your new home! Listing agent has an interest in the property.

Key facts

• 5,998 sq ft lot
• Garage
• Built 1881

Property features AI

Finance

• Financial info: Lease not considered

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public water; Public sewer; Electricity available and connected (Ameren); Natural gas available and connected; Water connected
• Home design: Single family residence; One level
• Construction: Aluminum siding
• Exterior features: Covered front and rear porch; Porch; Fenced backyard; Back yard

Interior

• Kitchen: Stainless steel appliances; Dishwasher; Microwave; Free-standing gas oven / range; Gas water heater
• Bedrooms: 3 bedrooms on the main level
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Eat-in kitchen; Granite counters; Kitchen island; Basement with cellar, concrete floors, storage space, sump pump, and walk-up access; Patio; Storage
• Laundry & utility: Laundry on main level

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $-424 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $150k (33.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (39.9% below list).
• Recommended offer: $135k (39.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — affects rentability + tenant quality, not the cash-flow math above.
• St. Charles R-VI (urban): math 44% / reading 52% proficiency, ranked #51 of 324 in MO (top 16%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Coverdell Elem. (math 47% / reading 52%, grade D, #284 of 1,115 statewide, top 30%, 286 students, 49% FRL); St. Charles High (math 42% / reading 54%, grade D, #153 of 521 statewide, top 29%, 817 students, 43% FRL).
• Market conditions: Rents rising (+3.2%/yr); 301 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,021 units permitted in St. Charles County in 2024 (568 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 $7k of value loss. Plan a longer hold.
• St. Charles County population projected at +22% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 2y 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 1881 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $135,322 (39.9% 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 1881 — 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. 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?
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: 0.60% ✗
• Cap rate: 4.03%
• Cash-on-cash: -8.08%
• DSCR: 0.64
• GRM: 13.9

CMA / ARV

• ARV (median comp): $301,119
• List price: $225,000
• Delta: -25.28%
• 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
2205 N 5th St	0.31mi	2/1.0	980 (-1%)	9mo	$90,000	$92	76
1904 N 5th St	0.54mi	3/2.0 (+1)	1,050 (+6%)	1mo	$250,000	$238	56
2120 N N 5th St	0.38mi	3/1.0 (+1)	1,066 (+7%)	11mo	$235,000	$220	56
1525 N 4th St	0.71mi	2/1.0	928 (-6%)	1mo	$235,000	$253	55
1036 Olive St	0.69mi	2/1.0	937 (-6%)	9mo	$189,900	$203	51
1720 Gallaher Ave	0.74mi	2/1.0	977 (-2%)	16mo	$224,900	$230	49
1718 Gallaher Ave	0.75mi	3/1.5 (+1)	972 (-2%)	8mo	$255,000	$262	48
2213 N 5th St	0.30mi	2/2.0	1,132 (+14%)	14mo	$207,000	$183	48
917 Wilmington Dr	0.61mi	3/2.0 (+1)	1,092 (+10%)	1mo	$1	—	45
1206 Wheaton Dr	0.49mi	3/2.5 (+1)	912 (-8%)	12mo	$250,000	$274	43
1005 Pine St	0.68mi	2/1.0	900 (-9%)	18mo	$145,000	$161	38
1228 Wheaton Dr	0.39mi	3/2.5 (+1)	1,118 (+13%)	14mo	$250,000	$224	38

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 · 3.2% rent growth · sell at horizon

5-year hold

• IRR: -30.3%
• Equity multiple: -0.00×
• Total profit: $-63,211
• Equity at exit: $33,548

10-year hold

• IRR: -31.4%
• Equity multiple: -0.41×
• Total profit: $-88,766
• Equity at exit: $19,454

Cash invested: $63,000 (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 63301

• Rents YoY: 3.2%
• Active inventory: 301
• Price-to-rent: 13.9×

Monthly cashflow live

• Estimated rent: $1,353 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$219 /mo · $2,633/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $-424

Break-even live

Break-even rent $1,890

Max offer price $150,093

Occupancy floor —

Sensitivity live

Price	-10% $-297	-5% $-360	+0% $-424	+5% $-488	+10% $-551
Rent	-10% $-531	-5% $-477	+0% $-424	+5% $-371	+10% $-317
Rate	-1.0pp $-311	-0.5pp $-367	base $-424	+0.5pp $-482	+1.0pp $-542

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1514 N 5th St Unit 1513 St Charles, MO	2.0	1.5	850	$1,400	$1.65	19d	1	0.70mi
1514 N 5th St Saint Charles, MO	2.0	1.5	750	$1,400	$1.87	5d	1	0.70mi
920 N Benton Ave Unit 918 St Charles, MO	2.0	1.0	864	$1,500	$1.74	22d	1	0.99mi
929 N 3rd St #3 St Charles, MO	1.0	1.0	600	$995	$1.66	19d	1	1.05mi
1517A Waverly St St Charles, MO	1.0	1.0	600	$900	$1.50	25d	1	1.15mi
723 N 3rd St Apt D St Charles, MO	1.0	1.0	1000	$1,300	$1.30	25d	1	1.17mi
236 S Cadillac Dr Saint Charles, MO	3.0	1.0	864	$1,600	$1.85	6d	1	1.47mi

Listing history 11 events

1. 2026-05-03
   status Pending 1173-char remark
2. 2026-05-01
   listed $225,000 Active 1173-char remark
3. 2026-04-30
   historical $225,000 1173-char remark
4. 2024-09-03
   soldstatus $225,000
5. 2024-08-28
   soldstatus Closed 712-char remark

   Show marketing remark (712 chars)

   Step into this beautifully remodeled 3 bedroom, 1 bath home that offers exceptional value and modern features including main floor laundry. The Bright and welcoming interior has been thoughtfully updated, providing a cozy and stylish living space. The kitchen features 42 inch shaker cabinets, granite counters, tile backsplash, breakfast bar island and stainless appliances! The bathroom has also been updated top to bottom! With a spacious and convenient oversized garage, you'll never worry about storage or parking! This property combines comfort, affordability and close proximity to highways, shops and restaurants making it an ideal choice for your new home! Listing agent has an interest in the property.

6. 2024-07-29
   status Pending 712-char remark

   Show marketing remark (712 chars)

   Step into this beautifully remodeled 3 bedroom, 1 bath home that offers exceptional value and modern features including main floor laundry. The Bright and welcoming interior has been thoughtfully updated, providing a cozy and stylish living space. The kitchen features 42 inch shaker cabinets, granite counters, tile backsplash, breakfast bar island and stainless appliances! The bathroom has also been updated top to bottom! With a spacious and convenient oversized garage, you'll never worry about storage or parking! This property combines comfort, affordability and close proximity to highways, shops and restaurants making it an ideal choice for your new home! Listing agent has an interest in the property.

7. 2024-07-25
   listed $199,000 Active 712-char remark

   Show marketing remark (712 chars)

   Step into this beautifully remodeled 3 bedroom, 1 bath home that offers exceptional value and modern features including main floor laundry. The Bright and welcoming interior has been thoughtfully updated, providing a cozy and stylish living space. The kitchen features 42 inch shaker cabinets, granite counters, tile backsplash, breakfast bar island and stainless appliances! The bathroom has also been updated top to bottom! With a spacious and convenient oversized garage, you'll never worry about storage or parking! This property combines comfort, affordability and close proximity to highways, shops and restaurants making it an ideal choice for your new home! Listing agent has an interest in the property.

8. 2024-07-23
   historical $199,000 712-char remark

   Show marketing remark (712 chars)

   Step into this beautifully remodeled 3 bedroom, 1 bath home that offers exceptional value and modern features including main floor laundry. The Bright and welcoming interior has been thoughtfully updated, providing a cozy and stylish living space. The kitchen features 42 inch shaker cabinets, granite counters, tile backsplash, breakfast bar island and stainless appliances! The bathroom has also been updated top to bottom! With a spacious and convenient oversized garage, you'll never worry about storage or parking! This property combines comfort, affordability and close proximity to highways, shops and restaurants making it an ideal choice for your new home! Listing agent has an interest in the property.

9. 2023-05-08
   soldstatus $82,500
10. 2023-05-08
    soldstatus $95,000
11. 1981-03-01
    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: $2,633 · $219/mo
• Projected year-2 tax: $2,633 · $219/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 4/10 Moderate 7 d/yr ≥106°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,239
• − Mortgage interest: −$12,603
• − Property taxes: −$2,633
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,299
• − Management: −$1,299
• − Depreciation: −$6,545
• Taxable loss: −$9,266
• Est. tax savings @ 24.0%: +$2,224
• After-tax cash flow: $-2,864/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. Charles R-VI
• NCES district ID: 2928920
• Math proficiency: 44% ▼ -4.00%
• Reading proficiency: 52% ▼ -1.00%
• Median HH income: $52,897
• Composite: 41.38/100
• National rank: #3486
• State rank: #51 of 324 in MO

Livability — St. Charles

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Charles, MO
• County: Saint Charles County · 399,703 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 52,667
• Household income: $85,308
• Rent vs Own: 28.2% rent · 71.8% own
• Severe rent burden: 1118.0

Population outlook (St. Charles County) Hauer SSP2

• Today (2025): 437,857 people
• By 2030: 461,707 · +5.4%
• By 2040: 503,222 · +14.9%
• By 2050: 534,684 · +22.1%
• By 2075: 597,047 · +36.4%
• By 2100: 609,682 · +39.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Black 7% Two or more races 7% Hispanic / Latino 7% Asian 2%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Lithuanian 3% Romanian 2% Italian 2%
• Foreign-born: 5% · Canada, Guatemala
• Languages at home: 93% English-only · Spanish 4%

Political lean MEDSL · St. Charles

• 2024 margin: R (+17.0) · D 40.8% · R 57.8% · Other 1.4%
• 2008→2024 swing: -7.2pp toward R · 2008: -9.7pp · 2024: -17.0pp
• All cycles: 2024: R+17.0 2020: R+17.5 2016: R+26.4 2012: R+21.0 2008: R+9.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -289.53%
• Current HPI: 221.0637
• Rent YoY: ▲ 3.20%
• 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

+172.7% since first listed

12 events — show timeline

• 2026-06-02 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2026-05-03 Pending — MARIS as Distributed by MLS Grid
• 2026-05-01 Listed $225,000 MARIS as Distributed by MLS Grid
• 2026-04-30 Coming Soon $225,000 MARIS as Distributed by MLS Grid
• 2024-09-03 Sold (Public Records) $225,000 Public Records
• 2024-08-28 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-07-29 Pending — MARIS as Distributed by MLS Grid
• 2024-07-25 Listed $199,000 MARIS as Distributed by MLS Grid
• 2024-07-23 Coming Soon $199,000 MARIS as Distributed by MLS Grid
• 2023-05-08 Sold (Public Records) $95,000 Public Records
• 2023-05-08 Sold (Public Records) $82,500 Public Records
• 1981-03-01 Sold (Public Records) — Public Records

Property tax history

+7.0%/yr

Latest (2025): $2,633 · +81.6% YoY. Source: county tax records.