10108 Jett Dr · Dellwood, MO 63136

$76,500

3 bd · 1.0 ba · 912 sqft · SingleFamily public records · 104 Days on market

Built 1956 7,501 sqft lot $84/sqft · 35% below area Est $118k · 35% under

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Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +6.9/10.0
• Rent growth +3.7/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0

Listing remarks MLS

Charming one-story ranch home offering comfortable living and great functionality! This 3-bedroom, 1-bath property features a covered entry and attached carport, welcoming you into a bright interior filled with natural light and neutral colors. Inside, you'll find beautiful hardwood floors and a spacious living room that provides plenty of room for relaxing or entertaining. The kitchen features a stylish tile backsplash and a gas range, creating a practical and inviting space for cooking and gathering. The full basement adds excellent versatility with a built-in workbench and storage shelves already installed—perfect for projects, hobbies, and extra storage. Outside, the fenced yard offers space for pets, gardening, or enjoying the outdoors. With classic ranch-style charm and useful features throughout, this St. Louis home is ready for its next owner to move in and make it their own!

Key facts

• Attached carport
• Full basement
• Covered entry

Tags

• COVERED ENTRY
• ATTACHED CARPORT
• HARDWOOD FLOORS
• TILE BACKSPLASH
• GAS RANGE
• FULL BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $76k.

Deal economics

• At list price, monthly cash flow is $511 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $76k).
• Recommended offer: $70k (9.0% below list) — sets the bar for market timing.
• Cap rate 14.3% vs local median 10.4% in Dellwood — 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 66/100 on livability (#239 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, schools D, crime D-.
• 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 lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 52% 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 38% 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 $3k of equity ($529 loan paydown + $3k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $21k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 104 days — a 9% lower offer ($70k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $35k; list at $76k implies a 119% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1956 — 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 $69,615 (9.0% below list)

Questions for the listing agent

1. It's been on market 104 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is D 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?
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: 1.72% ✓
• Cap rate: 14.31%
• Cash-on-cash: 28.64%
• DSCR: 2.27
• GRM: 4.8

CMA / ARV

• ARV (median comp): $117,924
• List price: $76,500
• Delta: -35.13%
• 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
9871 Medford Dr	0.28mi	3/1.0	950 (+4%)	2mo	$124,900	$131	79
1719 Newhall Ct	0.32mi	3/1.0	975 (+7%)	0mo	$120,000	$123	73
10020 Dellridge Ln	0.17mi	2/1.0 (-1)	816 (-10%)	1mo	$49,900	$61	68
10038 Balboa Dr	0.55mi	3/1.0	864 (-5%)	2mo	$49,900	$58	64
1829 Chambers Rd	0.44mi	2/1.0 (-1)	816 (-10%)	1mo	$34,900	$43	56
9828 Lorna Ln	0.37mi	2/1.0 (-1)	792 (-13%)	2mo	$65,000	$82	54
1354 Stein Rd	0.51mi	4/2.0 (+1)	982 (+8%)	2mo	$160,000	$163	53
1646 Hudson Rd	0.63mi	3/1.0	1,014 (+11%)	2mo	$164,500	$162	50
10515 Alliance Dr	0.73mi	3/1.0	1,014 (+11%)	0mo	$112,900	$111	47
10418 Quaker Dr	0.68mi	3/1.5	1,014 (+11%)	2mo	$64,900	$64	46
9840 Green Valley Dr	0.74mi	2/1.0 (-1)	816 (-10%)	2mo	$83,000	$102	41
10269 Dacey Dr	0.74mi	4/1.0 (+1)	1,014 (+11%)	1mo	$169,000	$167	41

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: 37.5%
• Equity multiple: 3.23×
• Total profit: $47,714
• Equity at exit: $37,851

10-year hold

• IRR: 37.8%
• Equity multiple: 6.82×
• Total profit: $124,599
• Equity at exit: $61,174

Cash invested: $21,420 (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: 4.8×

Monthly cashflow live

• Estimated rent: $1,320 high
• Mortgage (P&I): −$401
• Tax from tax record: −$98 /mo · $1,177/yr
• Insurance: −$32
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $511

Break-even live

Break-even rent $672

Max offer price $76,500

Occupancy floor 56%

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: $19,125
• Closing costs: $2,295
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1654 Mowbry Ln Saint Louis, MO	3.0	1.0	936	$1,300	$1.39	23d	1	0.13mi
9868 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,175	$1.14	43d	1	0.22mi
9850 Dennis Dr Saint Louis, MO	2.0	1.0	1032	$1,175	$1.14	43d	1	0.28mi
9840 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	43d	1	0.31mi
9845 Dennis Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	12d	1	0.31mi
9839 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	43d	1	0.33mi
1733 Kappel Ave Saint Louis, MO	3.0	1.0	912	$1,250	$1.37	23d	1	0.42mi
1547 Babcock Dr Saint Louis, MO	3.0	1.0	1014	$1,480	$1.46	43d	1	0.48mi
9750 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,100	$1.07	43d	1	0.49mi
9725 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,485	$1.63	43d	1	0.55mi
10329 Chesley Dr Saint Louis, MO	3.0	1.0	1014	$1,350	$1.33	23d	1	0.57mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	3d	1	0.60mi
1926 Chambers Rd Saint Louis, MO	4.0	1.0	1095	$995	$0.91	14d	1	0.62mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	7d	1	0.65mi
9717 Dennis Dr Saint Louis, MO	3.0	1.0	1056	$1,323	$1.25	43d	1	0.66mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	7d	1	0.69mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	43d	1	0.69mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	23d	1	0.70mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	23d	1	0.72mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	43d	1	0.72mi
9709 Balboa Dr Saint Louis, MO	3.0	1.0	1000	$1,600	$1.60	43d	1	0.75mi
1550 Northwinds Estates Dr St. Louis, MO	1.0–2.0	1.0–1.5	877	$1,050	$1.20	43d	1	0.82mi
104 Fenwick Dr Saint Louis, MO	3.0	1.0	960	$1,250	$1.30	23d	1	0.83mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	23d	1	0.86mi
502 Averill Ave Saint Louis, MO	2.0	1.0	840	$1,250	$1.49	43d	1	0.88mi
9547 Glen Owen Dr Saint Louis, MO	2.0	1.0	923	$985	$1.07	23d	1	0.90mi
920 Hutton Pl Saint Louis, MO	3.0	1.0	912	$1,195	$1.31	43d	1	0.92mi
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	23d	1	0.92mi
338 La Motte Ln Saint Louis, MO	2.0	1.0	904	$1,150	$1.27	43d	1	0.94mi
945 Edgehill Dr Saint Louis, MO	3.0	1.0	1110	$1,575	$1.42	43d	1	1.01mi
307 Coppinger Dr Saint Louis, MO	3.0	1.0	960	$1,095	$1.14	17d	1	1.03mi
415 Ames Pl Saint Louis, MO	3.0	1.0	816	$1,400	$1.72	43d	1	1.09mi
650 Robert Ave Ferguson, MO	3.0	1.0	816	$1,224	$1.50	43d	1	1.09mi
227 Meadowcrest Dr Saint Louis, MO	3.0	1.0	960	$1,500	$1.56	43d	1	1.13mi
296 Meadowcrest Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	14d	1	1.20mi
249 S Hartnett Ave Saint Louis, MO	3.0	1.0	960	$1,220	$1.27	23d	1	1.22mi
401 Millman Dr Saint Louis, MO	3.0	1.0	1008	$1,450	$1.44	16d	1	1.26mi
2152 Nemnich Rd Saint Louis, MO	2.0	1.5	1030	$1,100	$1.07	43d	1	1.34mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	23d	1	1.39mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	43d	1	1.41mi

Listing history 22 events

1. 2026-06-19
   price $76,500 Active 104 DOM
2. 2026-06-18
   days on market $79,900 Active 104 DOM
3. 2026-06-17
   days on market $79,900 Active 103 DOM
4. 2026-06-16
   days on market $79,900 Active 102 DOM
5. 2026-06-15
   days on market $79,900 Active 101 DOM
6. 2026-06-13
   days on market $79,900 Active 99 DOM
7. 2026-06-13
   days on market $79,900 Active 98 DOM
8. 2026-06-09
   days on market $79,900 Active 95 DOM
9. 2026-06-08
   days on market $79,900 Active 94 DOM
10. 2026-06-07
    days on market $79,900 Active 93 DOM
11. 2026-06-05
    pricedays on market $79,900 Active 90 DOM
12. 2026-06-03
    days on market $84,900 Active 89 DOM
13. 2026-06-02
    days on market $84,900 Active 88 DOM
14. 2026-06-01
    days on market $84,900 Active 87 DOM
15. 2026-05-31
    days on market $84,900 Active 86 DOM
16. 2026-05-01
    price $84,900 905-char remark

    Show marketing remark (905 chars)

    Charming one-story ranch home offering comfortable living and great functionality! This 3-bedroom, 1-bath property features a covered entry and attached carport, welcoming you into a bright interior filled with natural light and neutral colors. Inside, you'll find beautiful hardwood floors and a spacious living room that provides plenty of room for relaxing or entertaining. The kitchen features a stylish tile backsplash and a gas range, creating a practical and inviting space for cooking and gathering. The full basement adds excellent versatility with a built-in workbench and storage shelves already installed—perfect for projects, hobbies, and extra storage. Outside, the fenced yard offers space for pets, gardening, or enjoying the outdoors. With classic ranch-style charm and useful features throughout, this St. Louis home is ready for its next owner to move in and make it their own!

17. 2026-04-11
    price $94,900 905-char remark

    Show marketing remark (905 chars)

    Charming one-story ranch home offering comfortable living and great functionality! This 3-bedroom, 1-bath property features a covered entry and attached carport, welcoming you into a bright interior filled with natural light and neutral colors. Inside, you'll find beautiful hardwood floors and a spacious living room that provides plenty of room for relaxing or entertaining. The kitchen features a stylish tile backsplash and a gas range, creating a practical and inviting space for cooking and gathering. The full basement adds excellent versatility with a built-in workbench and storage shelves already installed—perfect for projects, hobbies, and extra storage. Outside, the fenced yard offers space for pets, gardening, or enjoying the outdoors. With classic ranch-style charm and useful features throughout, this St. Louis home is ready for its next owner to move in and make it their own!

18. 2026-03-06
    listed $99,900 Active 905-char remark

    Show marketing remark (905 chars)

    Charming one-story ranch home offering comfortable living and great functionality! This 3-bedroom, 1-bath property features a covered entry and attached carport, welcoming you into a bright interior filled with natural light and neutral colors. Inside, you'll find beautiful hardwood floors and a spacious living room that provides plenty of room for relaxing or entertaining. The kitchen features a stylish tile backsplash and a gas range, creating a practical and inviting space for cooking and gathering. The full basement adds excellent versatility with a built-in workbench and storage shelves already installed—perfect for projects, hobbies, and extra storage. Outside, the fenced yard offers space for pets, gardening, or enjoying the outdoors. With classic ranch-style charm and useful features throughout, this St. Louis home is ready for its next owner to move in and make it their own!

19. 2020-03-09
    soldstatus $35,000
20. 2015-12-29
    soldstatus $3,793,388
21. 2006-04-26
    soldstatus $81,400
22. 1997-05-20
    soldstatus $38,000

ⓘ 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: $1,177 · $98/mo
• Projected year-2 tax: $1,177 · $98/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 ≥106°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 · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,835
• − Mortgage interest: −$4,285
• − Property taxes: −$1,177
• − Insurance: −$382
• − Repairs & maintenance: −$1,267
• − Management: −$1,267
• − Depreciation: −$2,225
• Taxable income: $5,231
• Est. tax owed @ 24.0%: −$1,255
• After-tax cash flow: $4,880/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 — Dellwood

• Score: 66/100
• State rank: #239
• US rank: #11618

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dellwood, MO
• 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

+123.4% since first listed

7 events — show timeline

• 2026-05-01 Price Changed $84,900 MARIS as Distributed by MLS Grid
• 2026-04-11 Price Changed $94,900 MARIS as Distributed by MLS Grid
• 2026-03-06 Listed $99,900 MARIS as Distributed by MLS Grid
• 2020-03-09 Sold (Public Records) $35,000 Public Records
• 2015-12-29 Sold (Public Records) $3,793,388 Public Records
• 2006-04-26 Sold (Public Records) $81,400 Public Records
• 1997-05-20 Sold (Public Records) $38,000 Public Records

Property tax history

+2.8%/yr

Latest (2022): $1,177 · +0.4% YoY. Source: county tax records.