4113 Nebraska Ave · St. Louis, MO 63118

$92,000

1 bd · 1.0 ba · 870 sqft · SingleFamily public records · 5 Days on market

Built 1924 3,101 sqft lot Est $94k · at est.

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Why this score? — see what drove the C 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 +24.4/30.0
• ARV discount +8.4/15.0
• DSCR +7.9/10.0
• 1% rule +5.2/10.0
• Rent growth +3.7/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this classic all-brick bungalow nestled in the heart of the sought-after Dutchtown neighborhood! This charming 1-bedroom, 1-bath home offers timeless character, solid construction, and endless potential for homeowners and investors alike. Step inside to discover a comfortable layout filled with natural light and vintage charm. The partially finished basement provides valuable additional living space, perfect for a recreation room, home office, workout area, or extra storage. Outside, the durable brick exterior offers low-maintenance living and lasting curb appeal. Conveniently located near parks, shopping, restaurants, public transportation, and major highways, this property pres

Key facts

• All brick bungalow
• 3,101 sq ft lot
• Built 1924

Tags

• ALL BRICK BUNGALOW
• PARTIALLY FINISHED BASEMENT
• DURABLE BRICK EXTERIOR

Property features AI

Finance

• Other: Owner by contract; Lease not considered

Exterior

• Parking: Off-street parking
• Utilities: Public water; Public sewer; Electric service by Ameren; Electricity and natural gas connected
• Home design: Single-family house; One story
• Construction: Brick construction
• Exterior features: Level lot; Lot dimensions approximately 25 x 124

Interior

• Bedrooms: 1 bedroom on the main level
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Forced air heating (natural gas); Central electric air conditioning
• Interior features: Partially finished full basement with sleeping area, sump pump, and walk-out access; 4 total rooms

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $92k.

Deal economics

• At list price, monthly cash flow is $188 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($938 rent vs $92k).
• Cap rate 8.7% 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 C — 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.
• Zoned schools: Meramec Elem. (math 2% / reading 8%, grade F, #1,072 of 1,115 statewide, top 98%, 202 students, 98% FRL); Roosevelt High (math 2% / reading 8%, grade F, #517 of 521 statewide, top 100%, 460 students, 99% FRL) — zoned schools average 99% FRL vs 80% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+4.9%/yr); 240 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); 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $636 of loan paydown is wiped out by about $3k 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 + 4.9% rent growth), your $26k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1924 — 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 $92,000

Questions for the listing agent

1. Built in 1924 — 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. 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.
4. 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.
5. 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: 1.02% ✓
• Cap rate: 8.74%
• Cash-on-cash: 8.74%
• DSCR: 1.39
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $93,960
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3819 California Ave	0.39mi	2/1.0 (+1)	864 (-1%)	7mo	$55,000	$64	70
4543 Michigan Ave	0.59mi	1/1.0	850 (-2%)	3mo	$54,900	$65	66
2719 Keokuk St	0.37mi	2/1.5 (+1)	836 (-4%)	5mo	$55,000	$66	65
3618 Gasconade St	0.55mi	2/1.0 (+1)	850 (-2%)	2mo	$107,000	$126	64
4338 Oregon Ave	0.31mi	2/1.0 (+1)	956 (+10%)	1mo	$115,000	$120	63
4630 Idaho Ave	0.69mi	2/1.0 (+1)	880 (+1%)	2mo	$145,000	$165	59
4644 Minnesota Ave	0.69mi	2/1.0 (+1)	880 (+1%)	3mo	$95,000	$108	58
4620 Michigan Ave	0.66mi	2/1.0 (+1)	899 (+3%)	8mo	$89,000	$99	52
3607 Oregon Ave	0.64mi	2/2.0 (+1)	838 (-4%)	7mo	$89,990	$107	49
3728 Minnesota Ave	0.48mi	1/1.0	986 (+13%)	8mo	$130,000	$132	49
3609 Ohio Ave	0.68mi	2/1.0 (+1)	936 (+8%)	11mo	$130,000	$139	41
3615 Virginia Ave	0.70mi	2/1.0 (+1)	990 (+14%)	5mo	$90,000	$91	36

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 · 4.89% rent growth · sell at horizon

5-year hold

• IRR: -1.2%
• Equity multiple: 0.95×
• Total profit: $-1,176
• Equity at exit: $13,717

10-year hold

• IRR: 10.2%
• Equity multiple: 1.85×
• Total profit: $21,965
• Equity at exit: $7,954

Cash invested: $25,760 (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 63118

• Rents YoY: 4.9%
• Active inventory: 240
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $938 high
• Mortgage (P&I): −$482
• Tax from tax record: −$32 /mo · $389/yr
• Insurance: −$38
• HOA: −$0
• Vacancy / Maint / Mgmt: −$197
• Net cashflow: $188

Break-even live

Break-even rent $700

Max offer price $92,000

Occupancy floor 75%

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: $23,000
• Closing costs: $2,760
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4127 Oregon Ave Unit 2F St. Louis, MO	2.0	1.0	1000	$1,203	$1.20	23d	1	0.05mi
2837 Meramec St Apt 1E St. Louis, MO	1.0	1.0	700	$850	$1.21	23d	1	0.08mi
4102 California Ave Unit 2s St. Louis, MO	1.0	1.0	745	$725	$0.97	43d	1	0.14mi
4202 California Ave St. Louis, MO	1.0	1.0	600	$625	$1.04	14d	1	0.17mi
2806 Osage St Apt 2E St. Louis, MO	1.0	1.0	992	$750	$0.76	43d	1	0.19mi
4238 California Ave St. Louis, MO	2.0	1.0	1000	$1,300	$1.30	43d	1	0.21mi
3138 Gasconade St Unit 3138 2W St. Louis, MO	1.0	1.0	950	$850	$0.89	17d	1	0.22mi
3931 Oregon Ave Unit 3931 St. Louis, MO	1.0	1.0	867	$999	$1.15	2d	1	0.23mi
3931 Oregon Ave Unit 3931 St. Louis, MO	1.0	1.0	867	$999	$1.15	4d	1	0.23mi
4308 Nebraska Ave Unit A St. Louis, MO	1.0	1.0	1012	$1,148	$1.13	7d	1	0.23mi
4308 Nebraska Ave Unit B St. Louis, MO	2.0	2.0	1012	$1,148	$1.13	7d	1	0.23mi
4116 S Compton Ave St. Louis, MO	1.0	1.0	868	$725	$0.84	43d	1	0.24mi
3922 Minnesota Ave Saint Louis, MO	2.0	1.0	1000	$925	$0.93	43d	1	0.27mi
3106 Keokuk St Saint Louis, MO	2.0	1.0	850	$850	$1.00	16d	1	0.32mi
3116 Keokuk St Unit 1F St. Louis, MO	2.0	1.0	900	$850	$0.94	2d	1	0.32mi
3116 Keokuk St Saint Louis, MO	2.0	1.0	900	$850	$0.94	2d	1	0.32mi
3855 Minnesota Ave Unit B St. Louis, MO	2.0	1.0	900	$850	$0.94	43d	1	0.34mi
3839 Pennsylvania Ave Saint Louis, MO	2.0	1.0	725	$1,000	$1.38	20d	1	0.35mi
3828 Nebraska Ave St. Louis, MO	1.0	1.0	1000	$750	$0.75	23d	1	0.36mi
2649 Keokuk St Unit 1L St. Louis, MO	2.0	1.0	800	$1,195	$1.49	43d	1	0.41mi
4305 Virginia Ave Unit 204 St. Louis, MO	1.0	1.0	646	$785	$1.22	14d	1	0.41mi
3829 S Compton Ave Unit B St. Louis, MO	2.0	1.0	1040	$1,050	$1.01	23d	1	0.44mi
3829 S Compton Ave Unit A St. Louis, MO	2.0	1.0	1040	$1,000	$0.96	16d	1	0.45mi
2700 Chippewa St Saint Louis, MO	1.0	1.0	703	$685	$0.97	2d	1	0.47mi
3406 Keokuk St Unit 3406 St. Louis, MO	1.0	1.0	700	$800	$1.14	43d	1	0.48mi
4508 Pennsylvania Ave Unit 2N St. Louis, MO	1.0	1.0	750	$740	$0.99	23d	1	0.48mi
4508 Pennsylvania Ave Unit 2N St. Louis, MO	1.0	1.0	750	$740	$0.99	43d	1	0.48mi
4513 Pennsylvania Ave Unit 4515 1F St. Louis, MO	1.0	1.0	1000	$875	$0.88	43d	1	0.50mi
3402 Dunnica Ave Unit 3400 1f St. Louis, MO	1.0	1.0	695	$775	$1.12	23d	1	0.52mi
3739 Ohio Ave Unit B St. Louis, MO	1.0	1.0	897	$900	$1.00	4d	1	0.52mi
3739 Ohio Ave Unit A St. Louis, MO	2.0	1.0	900	$1,000	$1.11	4d	1	0.52mi
4528 Nebraska Ave Unit 305 St. Louis, MO	2.0	2.0	950	$1,345	$1.42	23d	1	0.53mi
4528 Nebraska Ave Unit 104 St. Louis, MO	1.0	1.0	750	$950	$1.27	23d	1	0.53mi
3428 Dunnica Ave Saint Louis, MO	2.0	1.0	1050	$995	$0.95	43d	1	0.55mi
3515 Osage St Unit 3511 Osage St. Louis, MO	1.0	1.0	755	$695	$0.92	43d	1	0.56mi
3511 Osage St Saint Louis, MO	1.0	1.0	755	$695	$0.92	43d	1	0.56mi
3514 Alberta St Unit 1W St. Louis, MO	2.0	1.0	800	$800	$1.00	43d	1	0.58mi
4401 Tennessee Ave Unit A St. Louis, MO	1.0	1.0	1100	$995	$0.90	4d	1	0.58mi
3204 Winnebago St Saint Louis, MO	1.0	1.0	830	$1,400	$1.69	23d	1	0.59mi
3954 S Grand Blvd Apt 3N St. Louis, MO	1.0	1.0	650	$625	$0.96	43d	1	0.59mi

Listing history 6 events

1. 2026-06-18
   days on market $92,000 Active 5 DOM
2. 2026-06-17
   days on market $92,000 Active 4 DOM
3. 2026-06-16
   days on market $92,000 Active 3 DOM
4. 2026-06-15
   days on market $92,000 Active 2 DOM
5. 2026-06-13
   remarks 699-char remark
6. 2026-06-13
   listed $92,000 Active 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: $389 · $32/mo
• Projected year-2 tax: $892 · $74/mo
• Expected delta: +$504/yr (+$42/mo · 129.5%)

ⓘ 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 ≥108°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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $11,253
• − Mortgage interest: −$5,153
• − Property taxes: −$389
• − Insurance: −$460
• − Repairs & maintenance: −$900
• − Management: −$900
• − Depreciation: −$2,676
• Taxable income: $774
• Est. tax owed @ 24.0%: −$186
• After-tax cash flow: $2,066/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): 25,913
• Household income: $57,762
• Rent vs Own: 56.1% rent · 43.9% own
• Severe rent burden: 1495.0

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: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 44% Black 41% Two or more races 8% Hispanic / Latino 8% Asian 2%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Slovak 2% Lithuanian 2% Romanian 2%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 90% English-only · Spanish 5% Vietnamese 1% French/Haitian/Cajun 1%

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: ▼ -347.51%
• Current HPI: 171.5963
• Rent YoY: ▲ 4.89%
• 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

5 events — show timeline

• 2026-06-13 Listed $92,000 MARIS as Distributed by MLS Grid
• 2007-01-19 Sold (Public Records) — Public Records
• 2001-06-06 Sold (Public Records) — Public Records
• 1997-05-14 Sold (Public Records) — Public Records
• 1993-08-25 Sold (Public Records) — Public Records

Property tax history

+1.6%/yr

Latest (2024): $389 · +4.8% YoY. Source: county tax records.