3981 Schiller Pl · St. Louis, MO
Flood risk 3/10 · Minor
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.2%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $1,054 – $1,958
Heat risk 5/10 · Moderate
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 4 days/yr
Risk factors via First Street. Map © Google.
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 +30.0/30.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- ARV discount +7.5/15.0
- Rent growth +3.2/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- Schools +1.2/10.0
- Appreciation +0.0/10.0
$33,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Welcome to 3981 Schiller Pl in the heart of South City! this adorable 2 story home features 2+ bedrooms, 2 full baths and it offers a large living room with a built-in beautiful fireplace and bookshelves. The house offers new flooring, fresh paint, 6 panel doors, and much more. The eat-in kitchen loads with many cabinets and appliances. The main floor full bathroom is updated. From the kitchen, access to the back patio, and stairs that lead to the second floor. Upstairs, there are 2 additional bedrooms and a nice full bath! The inviting covered patio in the rear is perfect for family fun or friends gathering. The large open basement is great for your storage and laundry area. You won't want to miss this one! The house got a new sewer lateral line.
Key facts
- Strong bones
- Walk-up basement
- Prime location
Tags
Property features AI
Exterior
- Utilities: Public water; Public sewer; Electric service by Ameren
- Home design: Single-family residence; Residential property; Vinyl siding
- Construction: Vinyl siding construction; Two stories
- Exterior features: Level lot; Cable available
Interior
- Bedrooms: 2 bedrooms (both on upper level)
- Bathrooms: 2 full bathrooms (one on main level, one on upper level)
- Heating & cooling: Forced air heating; Central air conditioning
- Interior features: Full basement; Two levels
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath single-family listed at $33k.
Deal economics
- At list price, monthly cash flow is $624 ($7k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $33k).
- Recommended offer: $32k (3.0% below list) — sets the bar for market timing.
- Cap rate 29.0% 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 B — 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: Woerner Elem. (math 8% / reading 17%, grade F, #1,007 of 1,115 statewide, top 91%, 362 students, 99% 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 (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+2.6%/yr); 255 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 45d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $228 of loan paydown is wiped out by about $990 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 + 2.6% rent growth), your $9k cash investment doubles in ~2 years — after that, you're playing with house money.
Negotiation context
- It's been on market 48 days — a 3% lower offer ($32k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts since 5y ago; this cycle's ask has dropped $63k (66%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: property tax is 4.8% of price; built in 1918 — 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.
Questions for the listing agent
- It's been on market 48 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
- Built in 1918 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 3.62% ✓
- Cap rate
- 29.00%
- Cash-on-cash
- 81.08%
- DSCR
- 4.61
- GRM
- 2.3
CMA / ARV
- ARV (median comp)
- $148,819
- List price
- $33,000
- Delta
- -77.83%
- 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 |
|---|---|---|---|---|---|---|---|
| 5015 Gerritt Ave | 0.19mi | 2/1.0 | 1,293 (-1%) | 1mo | $165,000 | $128 | 84 |
| 3968 Schiller Pl | 0.04mi | 1/1.0 (-1) | 1,268 (-3%) | 1mo | $124,900 | $99 | 83 |
| 4141 Bowen St | 0.50mi | 3/2.0 (+1) | 1,300 (-1%) | 1mo | $239,900 | $185 | 70 |
| 3829 Burgen Ave | 0.32mi | 2/1.0 | 1,200 (-8%) | 1mo | $220,000 | $183 | 66 |
| 6100 Carlsbad Ave | 0.74mi | 3/2.0 (+1) | 1,313 (+0%) | 1mo | $189,900 | $145 | 59 |
| 4471 S Spring Ave | 0.58mi | 3/2.0 (+1) | 1,152 (-12%) | 1mo | $135,000 | $117 | 47 |
| 4410 Wallace St | 0.71mi | 2/1.0 | 1,192 (-9%) | 1mo | $215,000 | $180 | 47 |
| 3633 Fillmore St | 0.66mi | 3/1.0 (+1) | 1,196 (-9%) | 2mo | $135,000 | $113 | 44 |
| 3628 Neosho St | 0.68mi | 3/2.0 (+1) | 1,158 (-12%) | 1mo | $189,900 | $164 | 43 |
| 4404 S 39th St | 0.68mi | 2/2.0 | 1,120 (-15%) | 2mo | $164,900 | $147 | 43 |
| 6011 S Grand Blvd | 0.69mi | 2/1.5 | 1,125 (-14%) | 0mo | $215,000 | $191 | 42 |
| 4417 Wallace St | 0.73mi | 3/1.5 (+1) | 1,129 (-14%) | 1mo | $183,000 | $162 | 34 |
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 · 2.62% rent growth · sell at horizon
- IRR
- 80.9%
- Equity multiple
- 4.68×
- Total profit
- $34,036
- Equity at exit
- $4,920
- IRR
- 84.2%
- Equity multiple
- 9.58×
- Total profit
- $79,288
- Equity at exit
- $2,853
Cash invested: $9,240 (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
ZIP-level market 63116
- Rents YoY
- 2.6%
- Active inventory
- 255
- Price-to-rent
- 2.3×
Monthly cashflow live
- Estimated rent
- $1,194 high interval (Pro) →
- Mortgage (P&I)
- −$173
- Tax from tax record
- −$132 /mo · $1,583/yr
- Insurance
- −$14
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$251
- Net cashflow
- $624
Break-even live
Sensitivity live
| Price | -10% $738 | -5% $726 | +0% $624 | +5% $615 | +10% $606 |
|---|---|---|---|---|---|
| Rent | -10% $530 | -5% $577 | +0% $624 | +5% $671 | +10% $719 |
| Rate | -1.0pp $641 | -0.5pp $633 | base $624 | +0.5pp $616 | +1.0pp $607 |
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
- $8,250
- Closing costs
- $990
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4000 Schiller Pl Saint Louis, MO | 2.0 | 2.5 | 1448 | $1,618 | $1.12 | 8d | 1 | 0.02mi |
| 5033 Ulena Ave Saint Louis, MO | 2.0 | 1.0 | 960 | $1,575 | $1.64 | 44d | 1 | 0.22mi |
| 3824 Eiler St Saint Louis, MO | 2.0 | 1.0 | 1000 | $1,050 | $1.05 | 24d | 1 | 0.25mi |
| 4177 Schiller Pl Saint Louis, MO | 2.0 | 1.0 | 1200 | $1,150 | $0.96 | 24d | 1 | 0.31mi |
| 4007 Wilmington Ave Fl 2 St. Louis, MO | 1.0 | 1.0 | 925 | $850 | $0.92 | 24d | 1 | 0.34mi |
| 3765 Delor St Unit 37651-F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 24d | 1 | 0.44mi |
| 3761 Delor St St. Louis, MO | 2.0 | 1.5 | 900 | $1,285 | $1.43 | 2d | 2 | 0.44mi |
| 5707 Dewey Ave Unit 1F St. Louis, MO | 2.0 | 1.0 | 1000 | $1,050 | $1.05 | 15d | 1 | 0.45mi |
| 4075 Bowen St Saint Louis, MO | 2.0 | 1.0 | 1200 | $1,200 | $1.00 | 44d | 1 | 0.46mi |
| 3737 Delor St Unit 3737-2F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 44d | 1 | 0.46mi |
| 3737 Delor St Unit 3737-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 24d | 1 | 0.46mi |
| 3729 Delor St Unit 37292-F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 24d | 1 | 0.47mi |
| 3647 Delor St Unit 3647-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 44d | 1 | 0.47mi |
| 3717 Delor St Unit 37172-F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 24d | 1 | 0.47mi |
| 3723 Delor St Unit 3723-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 44d | 1 | 0.48mi |
| 3719 Delor St Unit 3719-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 44d | 1 | 0.48mi |
| 3711 Delor St Unit 3711-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 24d | 1 | 0.50mi |
| 3705 Delor St Unit 3705-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 44d | 1 | 0.50mi |
| 3709 Delor St Unit 3709-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 44d | 1 | 0.51mi |
| 3707a Delor St Unit 3707-2F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 44d | 1 | 0.52mi |
| 3661 Delor St Unit 3661-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,225 | $1.36 | 44d | 1 | 0.52mi |
| 3661 Delor St Unit 3661-2F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 44d | 1 | 0.52mi |
| 3659 Delor St Unit 3659-1F St. Louis, MO | 2.0 | 1.5 | 900 | $1,115 | $1.24 | 44d | 1 | 0.53mi |
| 6135 Newport Ave Saint Louis, MO | 2.0 | 1.0 | 960 | $1,976 | $2.06 | 2d | 1 | 0.55mi |
| 3668a Wilmington Ave St. Louis, MO | 2.0 | 1.0 | 1212 | $1,295 | $1.07 | 15d | 1 | 0.58mi |
| 3668 Wilmington Ave Saint Louis, MO | 2.0 | 1.0 | 1214 | $1,350 | $1.11 | 44d | 1 | 0.59mi |
| 6024 Dewey Ave St. Louis, MO | 1.0 | 1.0 | 950 | $1,075 | $1.13 | 44d | 1 | 0.59mi |
| 3641 Wilmington Ave Saint Louis, MO | 2.0 | 1.0 | 1175 | $1,050 | $0.89 | 44d | 1 | 0.61mi |
| 4215 Gannett St Unit 1F St. Louis, MO | 2.0 | 1.0 | 1148 | $1,025 | $0.89 | 11d | 1 | 0.62mi |
| 4455 S 38th St Saint Louis, MO | 3.0 | 1.0 | 1000 | $1,000 | $1.00 | 24d | 1 | 0.65mi |
| 3635 Marceline Ter Unit 2ND St. Louis, MO | 3.0 | 1.0 | 1250 | $1,275 | $1.02 | 44d | 1 | 0.66mi |
| 4722 S Grand Blvd Unit 2N St. Louis, MO | 1.0 | 1.0 | 925 | $750 | $0.81 | 15d | 1 | 0.68mi |
| 4413 Delor St Unit 2F St. Louis, MO | 2.0 | 1.0 | 1010 | $1,125 | $1.11 | 24d | 1 | 0.69mi |
| 5723 Gravois Ave St. Louis, MO | 1.0 | 1.0 | 1080 | $850 | $0.79 | 12d | 1 | 0.69mi |
| 5836 Goener Ave Unit 2F St. Louis, MO | 3.0 | 1.0 | 1250 | $1,500 | $1.20 | 44d | 1 | 0.69mi |
| 4684 S Grand Blvd Saint Louis, MO | 1.0 | 1.0 | 1000 | $800 | $0.80 | 11d | 1 | 0.71mi |
| 5415 Dresden Ave Saint Louis, MO | 2.0 | 1.5 | 935 | $1,200 | $1.28 | 24d | 1 | 0.75mi |
| 5028 Louisiana Ave Saint Louis, MO | 2.0 | 1.0 | 1200 | $1,100 | $0.92 | 44d | 1 | 0.76mi |
| 4716 Louisiana Ave Unit 2F St. Louis, MO | 2.0 | 1.0 | 1200 | $995 | $0.83 | 44d | 1 | 0.80mi |
| 5416 Alaska Ave Saint Louis, MO | 1.0 | 1.0 | 940 | $750 | $0.80 | 44d | 1 | 0.81mi |
Listing history 39 events
-
2026-06-18days on market $33,000 Active 48 DOM
-
2026-06-17pricedays on market $33,000 Active 47 DOM
-
2026-06-16days on market $45,000 Active 46 DOM
-
2026-06-15days on market $45,000 Active 45 DOM
-
2026-06-13pricedays on market $45,000 Active 43 DOM
-
2026-06-09days on market $53,000 Active 39 DOM
-
2026-06-08days on market $53,000 Active 38 DOM
-
2026-06-07days on market $53,000 Active 37 DOM
-
2026-06-05days on market $53,000 Active 34 DOM
-
2026-06-03days on market $53,000 Active 33 DOM
-
2026-06-02days on market $53,000 Active 32 DOM
-
2026-06-02price $53,000 Active 31 DOM
-
2026-06-01days on market $69,000 Active 31 DOM
-
2026-05-31days on market $69,000 Active 30 DOM
-
2026-05-15status Active 311-char remark
-
2026-05-09status Pending 311-char remark
-
2026-05-04price $78,000 311-char remark
-
2026-04-26$96,000 Active 311-char remark
-
2025-03-17historical
-
2025-02-25price $134,900
-
2025-02-13price $139,900
-
2025-01-23$149,900 Active
-
2025-01-22historical
-
2021-06-17soldstatus $102,000
-
2021-06-14soldstatus Closed
Show marketing remark (757 chars)
Welcome to 3981 Schiller Pl in the heart of South City! this adorable 2 story home features 2+ bedrooms, 2 full baths and it offers a large living room with a built-in beautiful fireplace and bookshelves. The house offers new flooring, fresh paint, 6 panel doors, and much more. The eat-in kitchen loads with many cabinets and appliances. The main floor full bathroom is updated. From the kitchen, access to the back patio, and stairs that lead to the second floor. Upstairs, there are 2 additional bedrooms and a nice full bath! The inviting covered patio in the rear is perfect for family fun or friends gathering. The large open basement is great for your storage and laundry area. You won't want to miss this one! The house got a new sewer lateral line.
-
2021-04-28status Pending
Show marketing remark (757 chars)
Welcome to 3981 Schiller Pl in the heart of South City! this adorable 2 story home features 2+ bedrooms, 2 full baths and it offers a large living room with a built-in beautiful fireplace and bookshelves. The house offers new flooring, fresh paint, 6 panel doors, and much more. The eat-in kitchen loads with many cabinets and appliances. The main floor full bathroom is updated. From the kitchen, access to the back patio, and stairs that lead to the second floor. Upstairs, there are 2 additional bedrooms and a nice full bath! The inviting covered patio in the rear is perfect for family fun or friends gathering. The large open basement is great for your storage and laundry area. You won't want to miss this one! The house got a new sewer lateral line.
-
2021-04-23price $95,000
Show marketing remark (757 chars)
Welcome to 3981 Schiller Pl in the heart of South City! this adorable 2 story home features 2+ bedrooms, 2 full baths and it offers a large living room with a built-in beautiful fireplace and bookshelves. The house offers new flooring, fresh paint, 6 panel doors, and much more. The eat-in kitchen loads with many cabinets and appliances. The main floor full bathroom is updated. From the kitchen, access to the back patio, and stairs that lead to the second floor. Upstairs, there are 2 additional bedrooms and a nice full bath! The inviting covered patio in the rear is perfect for family fun or friends gathering. The large open basement is great for your storage and laundry area. You won't want to miss this one! The house got a new sewer lateral line.
-
2021-03-13status Active
Show marketing remark (757 chars)
Welcome to 3981 Schiller Pl in the heart of South City! this adorable 2 story home features 2+ bedrooms, 2 full baths and it offers a large living room with a built-in beautiful fireplace and bookshelves. The house offers new flooring, fresh paint, 6 panel doors, and much more. The eat-in kitchen loads with many cabinets and appliances. The main floor full bathroom is updated. From the kitchen, access to the back patio, and stairs that lead to the second floor. Upstairs, there are 2 additional bedrooms and a nice full bath! The inviting covered patio in the rear is perfect for family fun or friends gathering. The large open basement is great for your storage and laundry area. You won't want to miss this one! The house got a new sewer lateral line.
-
2021-01-26status Pending
Show marketing remark (757 chars)
Welcome to 3981 Schiller Pl in the heart of South City! this adorable 2 story home features 2+ bedrooms, 2 full baths and it offers a large living room with a built-in beautiful fireplace and bookshelves. The house offers new flooring, fresh paint, 6 panel doors, and much more. The eat-in kitchen loads with many cabinets and appliances. The main floor full bathroom is updated. From the kitchen, access to the back patio, and stairs that lead to the second floor. Upstairs, there are 2 additional bedrooms and a nice full bath! The inviting covered patio in the rear is perfect for family fun or friends gathering. The large open basement is great for your storage and laundry area. You won't want to miss this one! The house got a new sewer lateral line.
-
2021-01-22$105,000 Active
Show marketing remark (757 chars)
Welcome to 3981 Schiller Pl in the heart of South City! this adorable 2 story home features 2+ bedrooms, 2 full baths and it offers a large living room with a built-in beautiful fireplace and bookshelves. The house offers new flooring, fresh paint, 6 panel doors, and much more. The eat-in kitchen loads with many cabinets and appliances. The main floor full bathroom is updated. From the kitchen, access to the back patio, and stairs that lead to the second floor. Upstairs, there are 2 additional bedrooms and a nice full bath! The inviting covered patio in the rear is perfect for family fun or friends gathering. The large open basement is great for your storage and laundry area. You won't want to miss this one! The house got a new sewer lateral line.
-
2020-10-13soldstatus
-
2020-06-05soldstatus
-
2013-10-11soldstatus $1,500
-
2002-09-19soldstatus
-
2002-08-02soldstatus
-
2001-05-07soldstatus $60,000
-
1997-03-20soldstatus
-
1997-03-17soldstatus
-
1996-06-24soldstatus $8,000
ⓘ 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
- $1,583 · $132/mo
- Projected year-2 tax
- $1,583 · $132/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 3/10 Moderate FEMA zone X (unshaded) · 20% 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $14,325
- − Mortgage interest
- −$1,849
- − Property taxes
- −$1,583
- − Insurance
- −$165
- − Repairs & maintenance
- −$1,146
- − Management
- −$1,146
- − Depreciation
- −$960
- Taxable income
- $7,476
- Est. tax owed @ 24.0%
- −$1,794
- After-tax cash flow
- $5,698/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)
- 42,170
- Household income
- $61,433
- Rent vs Own
- Severe rent burden
- 1923.0
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 54% Black 27% Hispanic / Latino 10% Two or more races 8% Asian 5%
- Hispanic origin (detail)
- Mexican 7%
- Common ancestry
- Lithuanian 4% Romanian 2% Italian 2%
- Foreign-born
- 11% · Canada, Vietnam, Philippines
- Languages at home
- 85% English-only · Spanish 6% Vietnamese 2% Arabic 2%
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
- ▼ -271.19%
- Current HPI
- 215.7108
- Rent YoY
- ▲ 2.62%
- 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
+312.5% since first listed29 events — show timeline
- 2026-06-16 Price Changed $33,000 MARIS as Distributed by MLS Grid
- 2026-06-11 Price Changed $45,000 MARIS as Distributed by MLS Grid
- 2026-06-01 Price Changed $53,000 MARIS as Distributed by MLS Grid
- 2026-05-21 Price Changed $69,000 MARIS as Distributed by MLS Grid
- 2026-05-15 Relisted — MARIS as Distributed by MLS Grid
- 2026-05-09 Pending — MARIS as Distributed by MLS Grid
- 2026-05-04 Price Changed $78,000 MARIS as Distributed by MLS Grid
- 2026-04-26 Listed $96,000 MARIS as Distributed by MLS Grid
- 2025-03-17 Delisted — MARIS as Distributed by MLS Grid
- 2025-02-25 Price Changed $134,900 MARIS as Distributed by MLS Grid
- 2025-02-13 Price Changed $139,900 MARIS as Distributed by MLS Grid
- 2025-01-23 Listed $149,900 MARIS as Distributed by MLS Grid
- 2025-01-22 Coming Soon — MARIS as Distributed by MLS Grid
- 2021-06-17 Sold (Public Records) $102,000 Public Records
- 2021-06-14 Sold (MLS) — MARIS as Distributed by MLS Grid
- 2021-04-28 Pending — MARIS as Distributed by MLS Grid
- 2021-04-23 Price Changed $95,000 MARIS as Distributed by MLS Grid
- 2021-03-13 Relisted — MARIS as Distributed by MLS Grid
- 2021-01-26 Pending — MARIS as Distributed by MLS Grid
- 2021-01-22 Listed $105,000 MARIS as Distributed by MLS Grid
- 2020-10-13 Sold (Public Records) — Public Records
- 2020-06-05 Sold (Public Records) — Public Records
- 2013-10-11 Sold (Public Records) $1,500 Public Records
- 2002-09-19 Sold (Public Records) — Public Records
- 2002-08-02 Sold (Public Records) — Public Records
- 2001-05-07 Sold (Public Records) $60,000 Public Records
- 1997-03-20 Sold (Public Records) — Public Records
- 1997-03-17 Sold (Public Records) — Public Records
- 1996-06-24 Sold (Public Records) $8,000 Public Records
Property tax history
+13.8%/yrLatest (2024): $1,583 · +5.1% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…