1748 Atmore Dr · Dellwood, MO 63136

$99,900

2 bd · 1.0 ba · 936 sqft · SingleFamily public records · 57 Days on market

Built 1964 6,616 sqft lot $107/sqft · 28% below area Est $139k · 28% under

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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 +25.6/30.0
• ARV discount +15.0/15.0
• DSCR +8.5/10.0
• 1% rule +7.5/10.0
• 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 and well-located residence in the heart of North St. Louis County, offering a great opportunity for homeowners or investors alike. Situated on a quiet residential street, this home features a functional layout with comfortable living spaces and ample natural light throughout. The property includes a spacious living room, a dedicated dining area, and a kitchen with solid potential for personalization or updates. Bedrooms are generously sized, providing flexibility for family living, guests, or a home office setup. The home sits on a nice lot with outdoor space suitable for relaxing, gardening, or future enhancements. Conveniently located near schools, public transportation, shopping centers, and major roadways, this property offers both accessibility and everyday convenience. Whether you're looking to move in, renovate, or expand your investment portfolio, this home presents strong value in an established neighborhood. Don’t miss the opportunity to make this property your own in a growing and accessible area of St. Louis County.

Key facts

• Outdoor space
• Spacious living room
• 6,616 sq ft lot

Tags

• WELL LOCATED RESIDENCE
• QUIET RESIDENTIAL STREET
• SPACIOUS LIVING ROOM
• DEDICATED DINING AREA
• KITCHEN WITH POTENTIAL
• OUTDOOR SPACE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $237 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.

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 at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 42% 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 36% 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 ($691 loan paydown + $4k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $28k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 8, 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 57 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y ago; this cycle's ask has dropped $15k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• 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 $96,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 57 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 1964 — 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 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?
5. 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?
6. 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.
7. 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.
8. 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: 1.25% ✓
• Cap rate: 9.14%
• Cash-on-cash: 10.15%
• DSCR: 1.45
• GRM: 6.7

CMA / ARV

• ARV (median comp): $138,645
• List price: $99,900
• Delta: -27.95%
• 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
1716 Atmore Dr	0.10mi	3/1.0 (+1)	950 (+2%)	2mo	$130,000	$137	86
1618 Keelen Dr	0.25mi	3/1.0 (+1)	936 (0%)	3mo	$160,000	$171	81
10719 Trask Dr	0.27mi	3/1.0 (+1)	900 (-4%)	3mo	$143,500	$159	73
10615 Alliance Dr	0.18mi	3/2.0 (+1)	975 (+4%)	3mo	$119,900	$123	73
10515 Alliance Dr	0.18mi	3/1.0 (+1)	1,014 (+8%)	0mo	$112,900	$111	72
1646 Hudson Rd	0.24mi	3/1.0 (+1)	1,014 (+8%)	2mo	$164,500	$162	68
10418 Quaker Dr	0.23mi	3/1.5 (+1)	1,014 (+8%)	2mo	$64,900	$64	67
1923 Nashua Dr	0.35mi	3/1.0 (+1)	1,014 (+8%)	1mo	$149,900	$148	64
10257 Dacey Dr	0.49mi	3/1.5 (+1)	1,014 (+8%)	2mo	$120,000	$118	54
10201 Doane Dr	0.51mi	3/1.5 (+1)	1,014 (+8%)	4mo	$125,000	$123	52
1679 Maldon Ln	0.58mi	2/1.0	816 (-13%)	4mo	$85,000	$104	48
10207 Tanner Dr	0.55mi	3/2.0 (+1)	1,014 (+8%)	4mo	$127,900	$126	48

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: 20.2%
• Equity multiple: 2.21×
• Total profit: $33,918
• Equity at exit: $49,429

10-year hold

• IRR: 21.8%
• Equity multiple: 4.53×
• Total profit: $98,620
• Equity at exit: $79,886

Cash invested: $27,972 (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: 6.7×

Monthly cashflow live

• Estimated rent: $1,245 high
• Mortgage (P&I): −$524
• Tax from tax record: −$181 /mo · $2,177/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$261
• Net cashflow: $237

Break-even live

Break-even rent $945

Max offer price $99,900

Occupancy floor 76%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1547 Babcock Dr Saint Louis, MO	3.0	1.0	1014	$1,480	$1.46	43d	1	0.52mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	23d	1	0.53mi
10329 Chesley Dr Saint Louis, MO	3.0	1.0	1014	$1,350	$1.33	23d	1	0.53mi
1654 Mowbry Ln Saint Louis, MO	3.0	1.0	936	$1,300	$1.39	23d	1	0.74mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	2d	1	0.78mi
2745 Rottingdean Dr St. Louis, MO	1.0–2.0	1.0	825	$975	$1.18	43d	1	0.80mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	43d	1	0.82mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	23d	1	0.82mi
2257 Luxmore Dr Saint Louis, MO	3.0	3.0	1073	$1,495	$1.39	23d	1	0.82mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	7d	1	0.88mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	23d	1	0.89mi
9868 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,175	$1.14	43d	1	1.06mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	7d	1	1.11mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	23d	1	1.12mi
9840 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	43d	1	1.12mi
9850 Dennis Dr Saint Louis, MO	2.0	1.0	1032	$1,175	$1.14	43d	1	1.15mi
9839 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	43d	1	1.15mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	14d	1	1.17mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	21d	1	1.17mi
9845 Dennis Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	12d	1	1.18mi
1733 Kappel Ave Saint Louis, MO	3.0	1.0	912	$1,250	$1.37	23d	1	1.19mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	21d	1	1.21mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	1d	1	1.24mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	7d	1	1.24mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	43d	1	1.25mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	3d	1	1.31mi
9750 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,100	$1.07	43d	1	1.33mi
11470 Latonka Trl Florissant, MO	1.0–2.0	1.0	843	$1,050	$1.25	43d	3	1.33mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	43d	1	1.33mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	7d	1	1.36mi
920 Hutton Pl Saint Louis, MO	3.0	1.0	912	$1,195	$1.31	43d	1	1.36mi
9725 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,485	$1.63	43d	1	1.37mi
9709 Balboa Dr Saint Louis, MO	3.0	1.0	1000	$1,600	$1.60	43d	1	1.38mi
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	23d	1	1.40mi
502 Averill Ave Saint Louis, MO	2.0	1.0	840	$1,250	$1.49	43d	1	1.41mi
11635 Hazeloak Dr Black Jack, MO	3.0	2.0	1124	$1,728	$1.54	17d	1	1.43mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	23d	1	1.45mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	23d	1	1.48mi
338 La Motte Ln Saint Louis, MO	2.0	1.0	904	$1,150	$1.27	43d	1	1.49mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	43d	1	1.49mi

Listing history 22 events

1. 2026-06-18
   days on market $99,900 Active 57 DOM
2. 2026-06-17
   days on market $99,900 Active 56 DOM
3. 2026-06-16
   days on market $99,900 Active 55 DOM
4. 2026-06-15
   days on market $99,900 Active 54 DOM
5. 2026-06-13
   days on market $99,900 Active 52 DOM
6. 2026-06-13
   pricedays on market $99,900 Active 51 DOM
7. 2026-06-09
   days on market $109,900 Active 48 DOM
8. 2026-06-08
   days on market $109,900 Active 47 DOM
9. 2026-06-07
   days on market $109,900 Active 46 DOM
10. 2026-06-05
    days on market $109,900 Active 43 DOM
11. 2026-06-03
    days on market $109,900 Active 42 DOM
12. 2026-06-02
    days on market $109,900 Active 41 DOM
13. 2026-06-01
    days on market $109,900 Active 40 DOM
14. 2026-05-31
    days on market $109,900 Active 39 DOM
15. 2026-04-22
    listed $114,900 Active 1058-char remark

    Show marketing remark (1058 chars)

    Charming and well-located residence in the heart of North St. Louis County, offering a great opportunity for homeowners or investors alike. Situated on a quiet residential street, this home features a functional layout with comfortable living spaces and ample natural light throughout. The property includes a spacious living room, a dedicated dining area, and a kitchen with solid potential for personalization or updates. Bedrooms are generously sized, providing flexibility for family living, guests, or a home office setup. The home sits on a nice lot with outdoor space suitable for relaxing, gardening, or future enhancements. Conveniently located near schools, public transportation, shopping centers, and major roadways, this property offers both accessibility and everyday convenience. Whether you're looking to move in, renovate, or expand your investment portfolio, this home presents strong value in an established neighborhood. Don’t miss the opportunity to make this property your own in a growing and accessible area of St. Louis County.

16. 2015-09-01
    soldstatus $19,500,437
17. 2013-01-16
    soldstatus 571-char remark

    Show marketing remark (571 chars)

    RANCH HOME WAITING FOR ITS NEW OWNER!!! PROPERTY FEATURES LARGE LIVING ROOM WITH WOOD FLOORS, EAT-IN KITCHEN AND 2 BEDROOMS / FULL BATH ON MAIN FLOOR. LOWER LEVEL IS PARTIALLY FINISHED WITH LARGE REC. AREA AND BUILT IN BAR AREA. HOME ALSO FEATURES ATTACHED 1 CAR GARAGE AND PATIO OVERLOOKING PARTIALLY FENCED BACKYARD. Please refer to HUDHomestore for the most recent bidding Period details and information on this property. HUD Acquired Property. Property being sold 'AS IS'. All utilities are turned OFF. Please, use discretion when showing and bring a flashlight.

18. 2012-10-04
    listed $24,700 571-char remark

    Show marketing remark (571 chars)

    RANCH HOME WAITING FOR ITS NEW OWNER!!! PROPERTY FEATURES LARGE LIVING ROOM WITH WOOD FLOORS, EAT-IN KITCHEN AND 2 BEDROOMS / FULL BATH ON MAIN FLOOR. LOWER LEVEL IS PARTIALLY FINISHED WITH LARGE REC. AREA AND BUILT IN BAR AREA. HOME ALSO FEATURES ATTACHED 1 CAR GARAGE AND PATIO OVERLOOKING PARTIALLY FENCED BACKYARD. Please refer to HUDHomestore for the most recent bidding Period details and information on this property. HUD Acquired Property. Property being sold 'AS IS'. All utilities are turned OFF. Please, use discretion when showing and bring a flashlight.

19. 2001-01-31
    soldstatus $61,000
20. 1993-10-06
    soldstatus $54,550
21. 1983-03-01
    soldstatus $45,800
22. 1983-03-01
    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: $2,177 · $181/mo
• Projected year-2 tax: $2,177 · $181/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: $14,941
• − Mortgage interest: −$5,596
• − Property taxes: −$2,177
• − Insurance: −$500
• − Repairs & maintenance: −$1,195
• − Management: −$1,195
• − Depreciation: −$2,906
• Taxable income: $1,372
• Est. tax owed @ 24.0%: −$329
• After-tax cash flow: $2,511/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

+150.9% since first listed

8 events — show timeline

• 2026-04-22 Listed $114,900 MARIS as Distributed by MLS Grid
• 2015-09-01 Sold (Public Records) $19,500,437 Public Records
• 2013-01-16 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2012-10-04 Listed $24,700 MARIS as Distributed by MLS Grid
• 2001-01-31 Sold (Public Records) $61,000 Public Records
• 1993-10-06 Sold (Public Records) $54,550 Public Records
• 1983-03-01 Sold (Public Records) — Public Records
• 1983-03-01 Sold (Public Records) $45,800 Public Records

Property tax history

+6.7%/yr

Latest (2022): $2,177 · +1.4% YoY. Source: county tax records.