9859 Scottdale Dr · Dellwood, MO 63136

$39,900

2 bd · 1.0 ba · 1,047 sqft · SingleFamily public records · 105 Days on market

Built 1950 0.58 ac lot $38/sqft · 64% below area

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 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

Spacious brick ranch set on a large, tree-lined lot with mature shade trees and plenty of outdoor space. The home features classic brick construction, a covered front entry, and an extended driveway leading to a detached garage for additional parking or storage. A wide front window brings natural light into the main living area, while the covered side patio provides a sheltered outdoor space for relaxing or entertaining. The expansive yard offers ample room for outdoor activities, gardening, or future landscaping possibilities. With its generous lot size and single-level layout, this property presents a great opportunity to create a comfortable home with room to personalize.

Key facts

• Large tree-lined lot
• Extended driveway
• Mature shade trees

Tags

• BRICK RANCH
• LARGE TREE-LINED LOT
• MATURE SHADE TREES
• COVERED FRONT ENTRY
• EXTENDED DRIVEWAY
• DETACHED GARAGE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $40k.

Deal economics

• At list price, monthly cash flow is $606 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $40k).
• Recommended offer: $36k (9.0% below list) — sets the bar for market timing.
• Cap rate 24.5% vs local median 10.4% in Dellwood — 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 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 lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 55% 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 $2k of equity ($276 loan paydown + $2k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $11k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 105 days — a 9% lower offer ($36k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $20k; list at $40k implies a 103% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.2% of price; built in 1950 — 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 $36,309 (9.0% below list)

Questions for the listing agent

1. It's been on market 105 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
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: 3.08% ✓
• Cap rate: 24.52%
• Cash-on-cash: 65.08%
• DSCR: 3.90
• GRM: 2.7

CMA / ARV

• ARV (median comp): $111,444
• List price: $39,900
• Delta: -64.20%
• 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
1719 Newhall Ct	0.06mi	3/1.0 (+1)	975 (-7%)	0mo	$120,000	$123	81
9866 Dennis Dr	0.27mi	3/1.0 (+1)	1,032 (-1%)	3mo	$124,900	$121	78
9871 Medford Dr	0.12mi	3/1.0 (+1)	950 (-9%)	2mo	$124,900	$131	72
9724 Dennis Dr	0.46mi	3/1.0 (+1)	1,056 (+1%)	1mo	$89,900	$85	71
9739 Balboa Dr	0.41mi	3/1.0 (+1)	999 (-5%)	1mo	$76,900	$77	67
9863 Eastdell Dr	0.35mi	3/1.0 (+1)	1,126 (+8%)	1mo	$139,900	$124	65
9614 Winkler Dr	0.55mi	3/1.0 (+1)	1,020 (-3%)	1mo	$125,000	$123	64
4 S Dellwood Ave	0.65mi	2/1.0	1,086 (+4%)	2mo	$98,900	$91	62
2014 Kappel Dr	0.64mi	2/1.0	989 (-6%)	2mo	$19,000	$19	60
10129 Ventura Dr	0.65mi	3/2.0 (+1)	1,055 (+1%)	2mo	$129,900	$123	58
1523 Fir Dr	0.44mi	3/1.0 (+1)	1,144 (+9%)	2mo	$45,000	$39	57
9858 Green Valley Dr	0.43mi	3/2.0 (+1)	936 (-11%)	2mo	$74,900	$80	51

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: 72.7%
• Equity multiple: 5.27×
• Total profit: $47,651
• Equity at exit: $19,742

10-year hold

• IRR: 72.4%
• Equity multiple: 11.52×
• Total profit: $117,571
• Equity at exit: $31,907

Cash invested: $11,172 (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: 2.7×

Monthly cashflow live

• Estimated rent: $1,231 high
• Mortgage (P&I): −$209
• Tax from tax record: −$140 /mo · $1,684/yr
• Insurance: −$17
• HOA: −$0
• Vacancy / Maint / Mgmt: −$258
• Net cashflow: $606

Break-even live

Break-even rent $464

Max offer price $39,900

Occupancy floor 46%

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: $9,975
• Closing costs: $1,197
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9840 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	43d	1	0.12mi
1733 Kappel Ave Saint Louis, MO	3.0	1.0	912	$1,250	$1.37	23d	1	0.15mi
9839 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	43d	1	0.16mi
9868 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,175	$1.14	43d	1	0.16mi
9850 Dennis Dr Saint Louis, MO	2.0	1.0	1032	$1,175	$1.14	43d	1	0.28mi
9845 Dennis Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	12d	1	0.31mi
9750 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,100	$1.07	43d	1	0.31mi
9725 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,485	$1.63	43d	1	0.34mi
1654 Mowbry Ln Saint Louis, MO	3.0	1.0	936	$1,300	$1.39	23d	1	0.38mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	7d	1	0.40mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	43d	1	0.40mi
9709 Balboa Dr Saint Louis, MO	3.0	1.0	1000	$1,600	$1.60	43d	1	0.46mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	2d	1	0.50mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	7d	1	0.50mi
9717 Dennis Dr Saint Louis, MO	3.0	1.0	1056	$1,323	$1.25	43d	1	0.52mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	23d	1	0.60mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	43d	1	0.60mi
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	23d	1	0.64mi
9547 Glen Owen Dr Saint Louis, MO	2.0	1.0	923	$985	$1.07	23d	1	0.64mi
10304 Bon Oak Dr Saint Louis, MO	3.0	1.5	1500	$1,250	$0.83	43d	1	0.67mi
1550 Northwinds Estates Dr St. Louis, MO	1.0–2.0	1.0–1.5	877	$1,050	$1.20	43d	1	0.67mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	23d	1	0.71mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	23d	1	0.72mi
1547 Babcock Dr Saint Louis, MO	3.0	1.0	1014	$1,480	$1.46	43d	1	0.74mi
10329 Chesley Dr Saint Louis, MO	3.0	1.0	1014	$1,350	$1.33	23d	1	0.85mi
62 Capitol Hill Dr Saint Louis, MO	3.0	2.0	1239	$1,250	$1.01	43d	1	0.88mi
104 Fenwick Dr Saint Louis, MO	3.0	1.0	960	$1,250	$1.30	23d	1	0.94mi
2152 Nemnich Rd Saint Louis, MO	2.0	1.5	1030	$1,100	$1.07	43d	1	1.05mi
2257 Chambers Rd Saint Louis, MO	3.0	1.0	1200	$1,400	$1.17	23d	1	1.06mi
945 Edgehill Dr Saint Louis, MO	3.0	1.0	1110	$1,575	$1.42	43d	1	1.08mi
502 Averill Ave Saint Louis, MO	2.0	1.0	840	$1,250	$1.49	43d	1	1.11mi
338 La Motte Ln Saint Louis, MO	2.0	1.0	904	$1,150	$1.27	43d	1	1.17mi
920 Hutton Pl Saint Louis, MO	3.0	1.0	912	$1,195	$1.31	43d	1	1.18mi
227 Meadowcrest Dr Saint Louis, MO	3.0	1.0	960	$1,500	$1.56	43d	1	1.21mi
8908 Scottdale Ave Jennings, MO	2.0	1.0	790	$1,000	$1.27	43d	1	1.22mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	23d	1	1.23mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	43d	1	1.23mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	23d	1	1.24mi
296 Meadowcrest Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	14d	1	1.24mi
307 Coppinger Dr Saint Louis, MO	3.0	1.0	960	$1,095	$1.14	17d	1	1.25mi

Listing history 21 events

1. 2026-06-18
   days on market $39,900 Active 105 DOM
2. 2026-06-17
   days on market $39,900 Active 104 DOM
3. 2026-06-16
   days on market $39,900 Active 103 DOM
4. 2026-06-15
   days on market $39,900 Active 102 DOM
5. 2026-06-13
   days on market $39,900 Active 100 DOM
6. 2026-06-13
   days on market $39,900 Active 99 DOM
7. 2026-06-10
   price $39,900 Active 96 DOM
8. 2026-06-09
   days on market $54,900 Active 96 DOM
9. 2026-06-08
   days on market $54,900 Active 95 DOM
10. 2026-06-07
    days on market $54,900 Active 94 DOM
11. 2026-06-05
    days on market $54,900 Active 91 DOM
12. 2026-06-03
    days on market $54,900 Active 90 DOM
13. 2026-06-02
    days on market $54,900 Active 89 DOM
14. 2026-06-01
    days on market $54,900 Active 88 DOM
15. 2026-05-31
    days on market $54,900 Active 87 DOM
16. 2026-05-01
    price $59,900 683-char remark

    Show marketing remark (683 chars)

    Spacious brick ranch set on a large, tree-lined lot with mature shade trees and plenty of outdoor space. The home features classic brick construction, a covered front entry, and an extended driveway leading to a detached garage for additional parking or storage. A wide front window brings natural light into the main living area, while the covered side patio provides a sheltered outdoor space for relaxing or entertaining. The expansive yard offers ample room for outdoor activities, gardening, or future landscaping possibilities. With its generous lot size and single-level layout, this property presents a great opportunity to create a comfortable home with room to personalize.

17. 2026-04-11
    price $64,900 683-char remark

    Show marketing remark (683 chars)

    Spacious brick ranch set on a large, tree-lined lot with mature shade trees and plenty of outdoor space. The home features classic brick construction, a covered front entry, and an extended driveway leading to a detached garage for additional parking or storage. A wide front window brings natural light into the main living area, while the covered side patio provides a sheltered outdoor space for relaxing or entertaining. The expansive yard offers ample room for outdoor activities, gardening, or future landscaping possibilities. With its generous lot size and single-level layout, this property presents a great opportunity to create a comfortable home with room to personalize.

18. 2026-03-05
    listed $71,900 Active 683-char remark

    Show marketing remark (683 chars)

    Spacious brick ranch set on a large, tree-lined lot with mature shade trees and plenty of outdoor space. The home features classic brick construction, a covered front entry, and an extended driveway leading to a detached garage for additional parking or storage. A wide front window brings natural light into the main living area, while the covered side patio provides a sheltered outdoor space for relaxing or entertaining. The expansive yard offers ample room for outdoor activities, gardening, or future landscaping possibilities. With its generous lot size and single-level layout, this property presents a great opportunity to create a comfortable home with room to personalize.

19. 2020-02-11
    soldstatus $19,663
20. 2014-02-26
    soldstatus $1,150,000
21. 1997-01-03
    soldstatus $56,000

ⓘ 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: $1,684 · $140/mo
• Projected year-2 tax: $1,684 · $140/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 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,766
• − Mortgage interest: −$2,235
• − Property taxes: −$1,684
• − Insurance: −$200
• − Repairs & maintenance: −$1,181
• − Management: −$1,181
• − Depreciation: −$1,161
• Taxable income: $7,124
• Est. tax owed @ 24.0%: −$1,710
• After-tax cash flow: $5,561/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

• 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

+7.0% since first listed

6 events — show timeline

• 2026-05-01 Price Changed $59,900 MARIS as Distributed by MLS Grid
• 2026-04-11 Price Changed $64,900 MARIS as Distributed by MLS Grid
• 2026-03-05 Listed $71,900 MARIS as Distributed by MLS Grid
• 2020-02-11 Sold (Public Records) $19,663 Public Records
• 2014-02-26 Sold (Public Records) $1,150,000 Public Records
• 1997-01-03 Sold (Public Records) $56,000 Public Records

Property tax history

+7.2%/yr

Latest (2022): $1,684 · +0.4% YoY. Source: county tax records.