900 Marias Dr · Bellefontaine Neighbors, MO 63137

$119,900

3 bd · 1.0 ba · 962 sqft · SingleFamily public records · 63 Days on market

Built 1953 8,341 sqft lot Est $83k · 45% over

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Why this score? — see what drove the D+ 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 +23.2/30.0
• DSCR +7.5/10.0
• 1% rule +5.6/10.0
• Rent growth +4.1/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don't miss out on this solid home. Needs some paint and appliances and flooring. This three bedroom home would be a great starter home. Double driveway and a one car garage you can enter into the home on those raining or snowing days Great deck on the back of the home. Mostly brick home. The is an as is sale please use special sales contract. No repairs.

Key facts

• 8,341 sq ft lot
• Garage
• Built 1953

Property features AI

Finance

• Other: Property type listed as Residential; Property subtype listed as Single Family Residence; Lot size approximately 0.1915 acres; Living area reported as 962 (source: public records)
• Financial info: No investor, income, or expense details provided
• HOA & community: No HOA information provided

Exterior

• Parking: Has a garage
• Security: No security details provided
• Utilities: Electric service (Ameren); Electricity connected; Natural gas connected; Sewer connected; Water connected
• Home design: Single-family residence; One level
• Construction: Brick veneer construction; Built area reported as 962 above-grade living area
• Exterior features: Public water; Public sewer

Interior

• Kitchen: No specific kitchen appliance details provided
• Bedrooms: Three bedrooms, all on the main level
• Flooring: No flooring details provided
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Central air conditioning; Natural gas heating
• Laundry & utility: No laundry or utility appliance details provided

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $218 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $113k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 58/100 on livability (#592 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: employment D+, crime F, amenities 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.
• Zoned schools: Meadows Elem. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 333 students, 99% FRL); Riverview Gardens Sr. High (math 2% / reading 18%, grade F, #501 of 521 statewide, top 97%, 1,331 students, 100% FRL).
• Market conditions: Rents rising fast (+6.6%/yr); 203 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 35% of the median local income ($43k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $34k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 63 days — a 6% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
• 4 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.
• Current owner paid $62k; list at $120k implies a 93% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1953 — 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 $112,706 (6.0% below list)

Questions for the listing agent

1. It's been on market 63 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — 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 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?
6. Crime grade is F 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. 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?
8. 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.
9. 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.
10. 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: 1.06% ✓
• Cap rate: 8.48%
• Cash-on-cash: 7.80%
• DSCR: 1.35
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $82,732
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
810 Teurville Dr	0.12mi	3/1.0	904 (-6%)	7mo	$70,000	$77	79
828 Marias Dr	0.07mi	2/1.0 (-1)	884 (-8%)	4mo	$64,900	$73	76
817 Lebon Dr	0.13mi	2/1.0 (-1)	884 (-8%)	2mo	$93,000	$105	74
819 Portland Ter	0.44mi	2/1.0 (-1)	936 (-3%)	1mo	$60,000	$64	69
1110 Duenke Dr	0.57mi	2/1.0 (-1)	984 (+2%)	5mo	$74,900	$76	61
1220 Duenke Dr	0.70mi	2/1.0 (-1)	984 (+2%)	3mo	$89,900	$91	56
9427 Yorktown Dr	0.64mi	2/1.0 (-1)	982 (+2%)	6mo	$120,000	$122	56
9481 Adler Ave	0.63mi	3/1.0	1,046 (+9%)	3mo	$89,900	$86	54
1147 Jolene Dr	0.63mi	3/2.0	1,046 (+9%)	1mo	$149,000	$142	51
8770 Jordan Ave	0.63mi	2/1.0 (-1)	884 (-8%)	3mo	$48,000	$54	50
1147 Angeline Dr	0.68mi	3/1.0	1,046 (+9%)	5mo	$80,000	$76	49
925 Riverview Blvd	0.61mi	2/1.0 (-1)	830 (-14%)	0mo	$93,000	$112	44

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 · 6.59% rent growth · sell at horizon

5-year hold

• IRR: -0.6%
• Equity multiple: 0.98×
• Total profit: $-785
• Equity at exit: $17,877

10-year hold

• IRR: 12.4%
• Equity multiple: 2.14×
• Total profit: $38,182
• Equity at exit: $10,367

Cash invested: $33,572 (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 63137

• Rents YoY: 6.6%
• Active inventory: 203
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,270 high
• Mortgage (P&I): −$629
• Tax from tax record: −$106 /mo · $1,276/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $218

Break-even live

Break-even rent $994

Max offer price $119,900

Occupancy floor 78%

Sensitivity live

Price	-10% $286	-5% $252	+0% $218	+5% $184	+10% $150
Rent	-10% $118	-5% $168	+0% $218	+5% $268	+10% $319
Rate	-1.0pp $279	-0.5pp $249	base $218	+0.5pp $187	+1.0pp $156

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
960 Raford Ct St. Louis, MO	2.0	1.0	750	$950	$1.27	24d	1	0.20mi
605 Fremont Ave Saint Louis, MO	2.0	1.0	750	$995	$1.33	44d	1	0.51mi
1225 Newark Dr Saint Louis, MO	3.0	2.0	944	$1,400	$1.48	4d	1	0.78mi
8530 Lowell St Saint Louis, MO	2.0	1.0	918	$1,100	$1.20	44d	1	0.84mi
623 Ludlow Dr Saint Louis, MO	2.0	1.0	840	$1,199	$1.43	24d	1	0.90mi
1130 Forest Home Dr Saint Louis, MO	3.0	1.0	1025	$1,275	$1.24	44d	1	0.96mi
9418 Pattonwood Dr Saint Louis, MO	2.0	2.0	982	$1,500	$1.53	24d	1	0.96mi
435 Adrian Dr Saint Louis, MO	3.0	1.0	1100	$950	$0.86	21d	1	1.00mi
460 Bluff Dr Saint Louis, MO	3.0	1.0	1002	$1,300	$1.30	44d	1	1.00mi
9811 Lilac Dr Unit I St. Louis, MO	2.0	1.0	705	$799	$1.13	44d	1	1.01mi
9640 Diamond Dr Saint Louis, MO	1.0–2.0	1.0	625	$800	$1.28	15d	3	1.04mi
8612 Halls Ferry Rd Saint Louis, MO	1.0–2.0	1.0	625	$775	$1.24	5d	2	1.14mi
9924 Gloucester Dr Saint Louis, MO	3.0	2.0	992	$1,565	$1.58	11d	1	1.17mi
9746 Diamond Dr Saint Louis, MO	3.0	2.0	910	$1,275	$1.40	44d	1	1.21mi
9943 Lilac Dr Saint Louis, MO	2.0	1.0	1086	$1,000	$0.92	44d	1	1.23mi
344 Midridge Dr Saint Louis, MO	2.0	1.0	810	$1,053	$1.30	44d	1	1.26mi
2056 Coleridge Dr Saint Louis, MO	3.0	1.0	949	$1,195	$1.26	24d	1	1.26mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	8d	1	1.38mi
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	11d	1	1.42mi
10066 Dorothy Ave Saint Louis, MO	2.0	1.0	916	$1,225	$1.34	22d	1	1.47mi

Listing history 26 events

1. 2026-06-21
   days on market $119,900 Active 63 DOM
2. 2026-06-18
   days on market $119,900 Active 60 DOM
3. 2026-06-17
   days on market $119,900 Active 59 DOM
4. 2026-06-16
   days on market $119,900 Active 58 DOM
5. 2026-06-15
   days on market $119,900 Active 57 DOM
6. 2026-06-13
   days on market $119,900 Active 55 DOM
7. 2026-06-13
   days on market $119,900 Active 54 DOM
8. 2026-06-09
   days on market $119,900 Active 51 DOM
9. 2026-06-08
   days on market $119,900 Active 50 DOM
10. 2026-06-07
    days on market $119,900 Active 49 DOM
11. 2026-06-05
    days on market $119,900 Active 46 DOM
12. 2026-06-03
    days on market $119,900 Active 45 DOM
13. 2026-06-02
    days on market $119,900 Active 44 DOM
14. 2026-06-01
    days on market $119,900 Active 43 DOM
15. 2026-05-31
    days on market $119,900 Active 42 DOM
16. 2026-05-20
    status Active
17. 2026-02-07
    listed $119,900 Active
18. 2026-02-07
    historical $119,900
19. 2025-03-22
    historical $1,500
20. 2025-01-31
    listed $1,500
21. 2024-12-30
    soldstatus Closed 356-char remark

    Show marketing remark (356 chars)

    Don't miss out on this solid home. Needs some paint and appliances and flooring. This three bedroom home would be a great starter home. Double driveway and a one car garage you can enter into the home on those raining or snowing days Great deck on the back of the home. Mostly brick home. The is an as is sale please use special sales contract. No repairs.

22. 2024-12-17
    status Pending 356-char remark

    Show marketing remark (356 chars)

    Don't miss out on this solid home. Needs some paint and appliances and flooring. This three bedroom home would be a great starter home. Double driveway and a one car garage you can enter into the home on those raining or snowing days Great deck on the back of the home. Mostly brick home. The is an as is sale please use special sales contract. No repairs.

23. 2024-12-06
    listed $76,500 Active 356-char remark

    Show marketing remark (356 chars)

    Don't miss out on this solid home. Needs some paint and appliances and flooring. This three bedroom home would be a great starter home. Double driveway and a one car garage you can enter into the home on those raining or snowing days Great deck on the back of the home. Mostly brick home. The is an as is sale please use special sales contract. No repairs.

24. 2000-07-31
    soldstatus $62,000
25. 1987-12-01
    soldstatus
26. 1984-08-28
    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: $1,276 · $106/mo
• Projected year-2 tax: $1,276 · $106/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 ≥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 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,240
• − Mortgage interest: −$6,716
• − Property taxes: −$1,276
• − Insurance: −$600
• − Repairs & maintenance: −$1,219
• − Management: −$1,219
• − Depreciation: −$3,488
• Taxable income: $722
• Est. tax owed @ 24.0%: −$173
• After-tax cash flow: $2,446/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 — Bellefontaine Neighbors

• Score: 58/100
• State rank: #592
• US rank: #20944

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellefontaine Neighbors, MO
• County: Saint Louis County · 888,823 people
• City population: 19,684
• Metro: St. Louis, MO-IL
• Population (ZIP): 19,684
• Household income: $43,422
• Rent vs Own: 52.2% rent · 47.8% own
• Severe rent burden: 1863.0

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 (82%)
• Race & ethnicity: Black 82% White 13% Two or more races 3%
• Common ancestry: Romanian 1% Lithuanian 1% Italian 1%
• Foreign-born: 1%

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: ▼ -96.70%
• Current HPI: 130.6765
• Rent YoY: ▲ 6.59%
• 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

+93.4% since first listed

11 events — show timeline

• 2026-05-20 Relisted — MARIS as Distributed by MLS Grid
• 2026-02-07 Listed $119,900 MARIS as Distributed by MLS Grid
• 2026-02-07 Coming Soon $119,900 MARIS as Distributed by MLS Grid
• 2025-03-22 Rental Removed $1,500 RENTEC
• 2025-01-31 Listed for Rent $1,500 RENTEC
• 2024-12-30 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-12-17 Pending — MARIS as Distributed by MLS Grid
• 2024-12-06 Listed $76,500 MARIS as Distributed by MLS Grid
• 2000-07-31 Sold (Public Records) $62,000 Public Records
• 1987-12-01 Sold (Public Records) — Public Records
• 1984-08-28 Sold (Public Records) — Public Records

Property tax history

+1.6%/yr

Latest (2022): $1,276 · +0.9% YoY. Source: county tax records.