2338 Ruckert Ave · Maryland Heights, MO 63114

$130,000

3 bd · 1.5 ba · 988 sqft · SingleFamily public records · 8 Days on market

Built 1958 7,540 sqft lot Est $191k · 32% 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 +26.6/30.0
• ARV discount +15.0/15.0
• DSCR +9.1/10.0
• 1% rule +7.3/10.0
• Livability +3.6/5.0
• Schools +3.4/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Investor opportunity with strong upside potential. This 3 bed, 2 bath ranch offers a solid layout and dependable structure, making it a great candidate for renovation or rental repositioning. With approximately 1,288 sqft, the home provides a functional floor plan with comfortable room sizes and a traditional single-level design that’s always in demand. The property features a 1-car carport and sits on a usable lot with plenty of potential for exterior improvements and curb appeal enhancements. While the home does need updating throughout, the fundamentals are in place—ideal for a value-add project, fix-and-flip, or long-term hold strategy. Sold as-is, this is a straightforward

Key facts

• Dependable structure
• Usable lot
• Solid layout

Tags

• SOLID LAYOUT
• DEPENDABLE STRUCTURE
• FUNCTIONAL FLOOR PLAN
• USABLE LOT
• EXTERIOR IMPROVEMENTS
• CURB APPEAL ENHANCEMENTS

Property features AI

Finance

• Financial info: Lease not considered

Exterior

• Parking: Has a 1-car carport
• Utilities: Public water; Public sewer; Electric service with Ameren; Electricity, sewer and water connected
• Home design: Single-family residence; One level
• Construction: Brick construction
• Exterior features: Back yard

Interior

• Bedrooms: Three bedrooms, all on the main level
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Partially finished basement with 8+ ft poured construction

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $350 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Cap rate 9.5% vs local median 4.3% in Maryland Heights — 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 71/100 on livability (#101 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: health & safety C-, amenities F, commute F.
• Pattonville R-III (suburban): math 32% / reading 46% proficiency, ranked #147 of 324 in MO (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Willow Brook Elem. (math 42% / reading 47%, grade F, #413 of 1,115 statewide, top 42%, 470 students, 40% FRL); Pattonville Sr. High (math 33% / reading 64%, grade D, #147 of 521 statewide, top 29%, 1,893 students, 39% FRL) — zoned schools at 40% FRL track the district average.
• Market conditions: Rents rising (+2.0%/yr); 118 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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 34% of the median local income ($56k/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 $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $130,000

Questions for the listing agent

1. Built in 1958 — 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: 1.23% ✓
• Cap rate: 9.52%
• Cash-on-cash: 11.53%
• DSCR: 1.51
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $190,684
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10814 Canter Way Dr	0.13mi	3/1.0	957 (-3%)	9mo	$184,900	$193	79
2341 Buller Dr	0.08mi	2/1.0 (-1)	1,096 (+11%)	2mo	$209,900	$192	69
10726 Niblic Dr	0.26mi	2/1.0 (-1)	1,026 (+4%)	8mo	$245,000	$239	68
2420 Fowler Ave	0.52mi	3/1.0	1,089 (+10%)	0mo	$189,900	$174	56
2511 Frances Ave	0.32mi	3/2.5	1,112 (+13%)	6mo	$279,900	$252	55
2129 N Warson Rd	0.37mi	2/1.0 (-1)	1,119 (+13%)	1mo	$210,000	$188	53
2729 Link Rd	0.49mi	3/1.0	888 (-10%)	7mo	$175,000	$197	52
10505 Scotland Dr	0.57mi	2/2.0 (-1)	1,040 (+5%)	10mo	$114,900	$110	49
10471 Canter Way	0.70mi	3/2.0	1,073 (+9%)	5mo	$250,000	$233	47
10410 Maddox	0.72mi	3/2.5	1,040 (+5%)	15mo	$220,000	$212	41
10432 Driver Ave	0.62mi	2/1.0 (-1)	852 (-14%)	5mo	$160,000	$188	37
10406 Driver Ave	0.73mi	2/2.0 (-1)	1,100 (+11%)	5mo	$100,000	$91	36

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 · 2.04% rent growth · sell at horizon

5-year hold

• IRR: -0.2%
• Equity multiple: 0.99×
• Total profit: $-297
• Equity at exit: $19,383

10-year hold

• IRR: 8.4%
• Equity multiple: 1.61×
• Total profit: $22,383
• Equity at exit: $11,240

Cash invested: $36,400 (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 63114

• Rents YoY: 2.0%
• Active inventory: 118
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,604 high
• Mortgage (P&I): −$682
• Tax from tax record: −$181 /mo · $2,175/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$337
• Net cashflow: $350

Break-even live

Break-even rent $1,161

Max offer price $130,000

Occupancy floor 73%

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10900 Oak Forest Pkwy Dr St. Louis, MO	1.0–2.0	1.0	800	$1,600	$2.00	3d	6	0.79mi
1434 Willow Brook Cove Ct St. Louis, MO	2.0	1.5	910	$1,395	$1.53	44d	1	1.08mi
1380 Willow Brook Cove Ct St. Louis, MO	2.0	1.5	910	$1,550	$1.70	14d	1	1.16mi
9905 Iveland Dr Saint Louis, MO	2.0	1.0	816	$1,370	$1.68	3d	1	1.32mi
10304 Oxford Hill Dr St. Louis, MO	1.0–3.0	1.0–2.0	925	$1,889	$2.04	2d	47	1.34mi
10205 Saint Daniel Ln Saint Ann, MO	2.0	1.0	792	$1,450	$1.83	44d	1	1.42mi

Listing history 5 events

1. 2026-06-07
   statusdays on market $130,000 Pending 8 DOM
2. 2026-06-03
   days on market $130,000 Active 5 DOM
3. 2026-06-02
   days on market $130,000 Active 4 DOM
4. 2026-06-01
   days on market $130,000 Active 3 DOM
5. 2026-05-31
   days on market $130,000 Active 2 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: $2,175 · $181/mo
• Projected year-2 tax: $2,175 · $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 4/10 Moderate 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,242
• − Mortgage interest: −$7,282
• − Property taxes: −$2,175
• − Insurance: −$650
• − Repairs & maintenance: −$1,539
• − Management: −$1,539
• − Depreciation: −$3,782
• Taxable income: $2,274
• Est. tax owed @ 24.0%: −$546
• After-tax cash flow: $3,649/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: Pattonville R-III
• NCES district ID: 2923700
• Math proficiency: 32% ▼ -11.00%
• Reading proficiency: 46% ▼ -5.00%
• Median HH income: $50,786
• Composite: 33.69/100
• National rank: #5383
• State rank: #147 of 324 in MO

Livability — Maryland Heights

• Score: 71/100
• State rank: #101
• US rank: #6808

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Saint Louis County · 888,823 people
• City population: 21,924
• Metro: St. Louis, MO-IL
• Population (ZIP): 33,969
• Household income: $55,870
• Rent vs Own: 41.8% rent · 58.2% own
• Severe rent burden: 1595.0

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: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 50% Black 30% Hispanic / Latino 11% Two or more races 6% Asian 2%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Lithuanian 3% Italian 2% Romanian 1%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 84% English-only · Spanish 10% French/Haitian/Cajun 2% Tagalog/Filipino 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: ▼ -276.62%
• Current HPI: 223.9305
• Rent YoY: ▲ 2.04%
• 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

1 event — show timeline

• 2026-05-29 Listed $130,000 MARIS as Distributed by MLS Grid

Property tax history

+1.5%/yr

Latest (2022): $2,175 · +0.4% YoY. Source: county tax records.