5 Cady Dr · Calverton Park, MO 63135

$149,000

4 bd · 1.0 ba · 1,168 sqft · SingleFamily public records · 18 Days on market

Built 1949 6,250 sqft lot Est $141k · 5% over

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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 +23.7/30.0
• DSCR +7.6/10.0
• 1% rule +5.2/10.0
• ARV discount +5.1/15.0
• Rent growth +4.8/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for a new home without the new home price. Well Welcome Home! Here’s where you want to be. This amazing, renovated house is perfect for first-time buyers, downsizers, anyone else the list goes on, as this offers a fresh start, with you in mind just waiting and is ready for its new owner. Feel comfort knowing this home comes with all new luxury flooring top to bottom, new water heater, thermostat, gas meter, electrical panel, bathroom plumbing, drywall, kitchen cabinets and counters, exterior and interior doors, kitchen appliance package, interior paint, lighting, newer windows, efficiency throughout the home and so much more. This house is not just updated; it offers you a worry-free living experience. Buyer to verify schools and utilities. The seller has never occupied property. One year home warranty being offered not to exceed $700.

Key facts

• 6,250 sq ft lot
• Built 1949
• Listed 17 days

Property features AI

Exterior

• Utilities: Public water; Public sewer; Electric service by Ameren
• Home design: Single family residence; Residential property
• Construction: Frame construction
• Exterior features: Back yard

Interior

• Bedrooms: Four bedrooms total; Two bedrooms on the main level; Two bedrooms on the upper level
• Bathrooms: One full bathroom; One half bathroom; One full bath on the main level; One half bath on the upper level
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: One and one-half level layout; Six total rooms

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $284 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $147k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#73 in MO, #4,882 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A; Watch: health & safety C-, amenities F, commute F.
• Ferguson-Florissant R-II (suburban): math 7% / reading 20% proficiency, ranked #311 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Robinwood Elementary (math 11% / reading 25%, grade F, #962 of 1,115 statewide, top 86%, 312 students, 99% FRL); Mccluer High (math 0% / reading 17%, grade F, #511 of 521 statewide, top 98%, 1,181 students, 100% FRL) — zoned schools average 99% FRL vs 70% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+9.0%/yr); 165 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• This rent runs 35% of the median local income ($52k/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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($147k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 5y 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 $47k; list at $149k implies a 217% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1949 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $146,765 (1.5% below list)

Questions for the listing agent

1. Built in 1949 — 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. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 8.58%
• Cash-on-cash: 8.17%
• DSCR: 1.36
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $141,328
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
110 Young Dr	0.16mi	4/2.5	1,160 (-1%)	6mo	$150,000	$129	81
8 Drummond Dr	0.36mi	3/1.0 (-1)	1,131 (-3%)	4mo	$134,900	$119	70
6801 Knoll Ave	0.45mi	3/1.0 (-1)	1,224 (+5%)	1mo	$104,900	$86	65
211 Frost Ave	0.34mi	3/1.0 (-1)	1,066 (-9%)	2mo	$84,900	$80	63
2100 Argo Dr	0.36mi	3/2.0 (-1)	1,088 (-7%)	1mo	$189,500	$174	62
18 White Dr	0.14mi	3/1.0 (-1)	1,340 (+15%)	2mo	$165,000	$123	62
1815 S New Florissant Rd	0.54mi	3/1.0 (-1)	1,123 (-4%)	2mo	$162,500	$145	61
258 Williams Blvd	0.47mi	3/1.0 (-1)	1,075 (-8%)	0mo	$129,900	$121	60
8302 Woodhurst Dr	0.62mi	3/1.0 (-1)	1,120 (-4%)	1mo	$99,900	$89	59
104 Barto Dr	0.51mi	3/1.0 (-1)	1,075 (-8%)	5mo	$104,900	$98	54
36 Connolly Dr	0.42mi	3/1.0 (-1)	1,024 (-12%)	6mo	$89,900	$88	50
22 Jean Dr	0.62mi	3/2.0 (-1)	1,049 (-10%)	5mo	$149,000	$142	41

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 1.1%
• Equity multiple: 1.05×
• Total profit: $1,919
• Equity at exit: $22,216

10-year hold

• IRR: 14.9%
• Equity multiple: 2.47×
• Total profit: $61,256
• Equity at exit: $12,883

Cash invested: $41,720 (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 63135

• Rents YoY: 9.0%
• Active inventory: 165
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,517 high
• Mortgage (P&I): −$781
• Tax from tax record: −$70 /mo · $845/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$318
• Net cashflow: $284

Break-even live

Break-even rent $1,157

Max offer price $149,000

Occupancy floor 76%

Sensitivity live

Price	-10% $368	-5% $326	+0% $284	+5% $242	+10% $200
Rent	-10% $164	-5% $224	+0% $284	+5% $344	+10% $404
Rate	-1.0pp $359	-0.5pp $322	base $284	+0.5pp $246	+1.0pp $206

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
153 Bascom Dr Saint Louis, MO	3.0	1.0	1076	$1,195	$1.11	21d	1	0.21mi
171 Elbring Dr Saint Louis, MO	3.0	1.5	1008	$1,395	$1.38	13d	1	0.26mi
11 Anistasia Dr Saint Louis, MO	3.0	1.5	1120	$1,345	$1.20	25d	1	0.31mi
6867 Thurston Ave Saint Louis, MO	3.0	2.0	1243	$1,580	$1.27	45d	1	0.31mi
36 Connolly Dr Saint Louis, MO	3.0	1.0	1024	$1,149	$1.12	25d	1	0.43mi
24 Barto Dr Saint Louis, MO	3.0	1.0	864	$1,400	$1.62	45d	1	0.47mi
260 Sadonia Ave Saint Louis, MO	3.0	2.0	1088	$1,623	$1.49	21d	1	0.53mi
263 Sadonia Ave Saint Louis, MO	3.0	2.0	888	$1,350	$1.52	45d	1	0.55mi
221 Barto Dr Saint Louis, MO	3.0	2.0	958	$1,295	$1.35	21d	1	0.64mi
8330 Woodhurst Dr Saint Louis, MO	3.0	1.0	1120	$1,000	$0.89	8d	1	0.68mi
7025 Richwood Ln Hazelwood, MO	3.0	1.0	936	$1,375	$1.47	19d	1	0.69mi
8418 Bayberry Dr Saint Louis, MO	3.0	2.0	1288	$1,350	$1.05	23d	1	0.80mi
8412 Chalons Ct Saint Louis, MO	3.0	1.0	1380	$1,370	$0.99	25d	1	0.81mi
1465 W Duchesne Dr Florissant, MO	3.0	1.0	896	$1,500	$1.67	45d	1	0.81mi
6333 Peurifoy Ave Saint Louis, MO	3.0	2.0	840	$1,295	$1.54	25d	1	0.91mi
50 Lynn Meadows Ln Florissant, MO	3.0	1.0	864	$1,450	$1.68	25d	1	0.93mi
6452 Evergreen Blvd Saint Louis, MO	3.0	2.0	1288	$1,500	$1.16	25d	1	0.98mi
8437 January Ave Saint Louis, MO	3.0	2.0	1288	$1,350	$1.05	45d	1	0.99mi
1180 S New Florissant Rd Florissant, MO	3.0	1.0	925	$1,225	$1.32	25d	1	1.01mi
410 Robert Ave Ferguson, MO	4.0	2.0	1471	$2,000	$1.36	12d	1	1.03mi
8439 Alder Ave Saint Louis, MO	3.0	1.5	1176	$1,425	$1.21	25d	1	1.06mi
6334 Washington Ave Berkeley, MO	3.0	1.0	864	$1,100	$1.27	5d	1	1.07mi
6156 Wulff Dr Saint Louis, MO	3.0	2.0	960	$1,425	$1.48	11d	1	1.09mi
1050 Ozment Dr Florissant, MO	3.0	2.0	984	$1,525	$1.55	45d	1	1.18mi
6698 Amora Ave Berkeley, MO	2.0–3.0	1.5	1625	$1,500	$0.92	45d	1	1.18mi
8306 Whitewater Dr Saint Louis, MO	3.0	1.0	792	$1,195	$1.51	8d	1	1.20mi
60 Mayme Dr Saint Louis, MO	3.0	1.0	960	$1,285	$1.34	45d	1	1.23mi
1095 Ozment Dr Florissant, MO	3.0	2.0	984	$1,461	$1.48	25d	1	1.24mi
135 Saint Maurice Ln Florissant, MO	3.0	1.0	816	$1,395	$1.71	45d	1	1.25mi
401 Millman Dr Saint Louis, MO	3.0	1.0	1008	$1,450	$1.44	17d	1	1.26mi
910 Disco Dr Saint Louis, MO	3.0	1.0	924	$1,260	$1.36	17d	1	1.28mi
790 Pebble Ln Florissant, MO	3.0	2.0	1242	$1,795	$1.45	25d	1	1.29mi
650 Robert Ave Ferguson, MO	3.0	1.0	816	$1,224	$1.50	45d	1	1.30mi
100 Taney Dr Florissant, MO	3.0	1.0	1148	$1,495	$1.30	23d	1	1.31mi
324 Emmett Ave Saint Louis, MO	3.0	2.0	1357	$1,650	$1.22	25d	1	1.33mi
1536 Springlet Ct #31 Florissant, MO	3.0	2.5	1161	$1,450	$1.25	8d	1	1.33mi
536 Ames Pl Saint Louis, MO	4.0	1.5	1305	$1,750	$1.34	3d	1	1.33mi
765 Bobbins Ln Florissant, MO	3.0	1.0	1107	$1,450	$1.31	45d	1	1.37mi
415 Ames Pl Saint Louis, MO	3.0	1.0	816	$1,400	$1.72	45d	1	1.37mi
1600 Washington St Florissant, MO	3.0	1.5	1095	$1,250	$1.14	21d	1	1.39mi

Listing history 12 events

1. 2026-06-21
   days on market $149,000 Active 18 DOM
2. 2026-06-18
   days on market $149,000 Active 15 DOM
3. 2026-06-17
   days on market $149,000 Active 14 DOM
4. 2026-06-16
   days on market $149,000 Active 13 DOM
5. 2026-06-15
   days on market $149,000 Active 12 DOM
6. 2026-06-13
   days on market $149,000 Active 10 DOM
7. 2026-06-13
   days on market $149,000 Active 9 DOM
8. 2026-06-09
   days on market $149,000 Active 6 DOM
9. 2026-06-08
   days on market $149,000 Active 5 DOM
10. 2026-06-07
    days on market $149,000 Active 4 DOM
11. 2026-06-05
    remarks 643-char remark
12. 2026-06-05
    listed $149,000 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: $845 · $70/mo
• Projected year-2 tax: $1,445 · $120/mo
• Expected delta: +$600/yr (+$50/mo · 71.0%)

ⓘ 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 4/10 Moderate 7 d/yr ≥106°F today · 20 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: $18,198
• − Mortgage interest: −$8,346
• − Property taxes: −$845
• − Insurance: −$745
• − Repairs & maintenance: −$1,456
• − Management: −$1,456
• − Depreciation: −$4,335
• Taxable income: $1,015
• Est. tax owed @ 24.0%: −$244
• After-tax cash flow: $3,166/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: Ferguson-Florissant R-II
• NCES district ID: 2912010
• Math proficiency: 7% ▼ -9.00%
• Reading proficiency: 20% ▼ -6.00%
• Median HH income: $44,610
• Composite: 11.96/100
• National rank: #9666
• State rank: #311 of 324 in MO

Livability — Calverton Park

• Score: 74/100
• State rank: #73
• US rank: #4882

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Calverton Park, MO
• County: Saint Louis County · 888,823 people
• Metro: St. Louis, MO-IL
• Population (ZIP): 18,381
• Household income: $52,328
• Rent vs Own: 45.8% rent · 54.2% own
• Severe rent burden: 957.0

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 (66%)
• Race & ethnicity: Black 66% White 28% Two or more races 3% Hispanic / Latino 2%
• Common ancestry: Lithuanian 1% Iranian 1% Romanian 1%
• Foreign-born: 1% · Canada
• Languages at home: 95% English-only · Spanish 4%

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: ▼ -152.56%
• Current HPI: 138.6781
• Rent YoY: ▲ 9.03%
• 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

+292.1% since first listed

27 events — show timeline

• 2026-06-03 Listed $149,000 MARIS as Distributed by MLS Grid
• 2025-02-01 Rental Removed $1,600 SHOWMOJO
• 2024-11-20 Listed for Rent $1,600 SHOWMOJO
• 2024-11-08 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-10-06 Pending — MARIS as Distributed by MLS Grid
• 2024-10-04 Price Changed $139,900 MARIS as Distributed by MLS Grid
• 2024-09-06 Price Changed $144,900 MARIS as Distributed by MLS Grid
• 2024-08-20 Listed $149,500 MARIS as Distributed by MLS Grid
• 2024-05-28 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-05-06 Pending — MARIS as Distributed by MLS Grid
• 2024-04-25 Price Changed $44,800 MARIS as Distributed by MLS Grid
• 2024-04-15 Price Changed $48,800 MARIS as Distributed by MLS Grid
• 2024-03-27 Price Changed $52,800 MARIS as Distributed by MLS Grid
• 2024-03-27 Relisted — MARIS as Distributed by MLS Grid
• 2024-03-27 Delisted — MARIS as Distributed by MLS Grid
• 2024-02-29 Price Changed $57,400 MARIS as Distributed by MLS Grid
• 2024-01-09 Price Changed $62,400 MARIS as Distributed by MLS Grid
• 2023-11-28 Listed $64,900 MARIS as Distributed by MLS Grid
• 2021-02-26 Sold (Public Records) $47,000 Public Records
• 2021-02-18 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2021-01-22 Pending — MARIS as Distributed by MLS Grid
• 2021-01-13 Listed $59,900 MARIS as Distributed by MLS Grid
• 1999-01-19 Sold (Public Records) $23,101 Public Records
• 1993-05-05 Sold (Public Records) $42,500 Public Records
• 1993-05-01 Sold (Public Records) — Public Records
• 1991-02-01 Sold (Public Records) — Public Records
• 1986-02-01 Sold (Public Records) $38,000 Public Records

Property tax history

-5.2%/yr

Latest (2022): $845 · +0.3% YoY. Source: county tax records.