9946 Lanier Dr · Moline Acres, MO 63136

$84,900

3 bd · 1.0 ba · 1,159 sqft · SingleFamily public records · 57 Days on market

Built 1954 7,440 sqft lot $73/sqft · 19% below area Est $104k · 19% under

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Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +6.9/10.0
• Rent growth +3.7/5.0
• Livability +3.0/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0

Listing remarks MLS

Welcome to 9946 Lanier Dr, a charming single-story home nestled in a quiet St. Louis neighborhood. This property offers a great opportunity for homeowners or investors alike, featuring a functional layout with comfortable living spaces and plenty of natural light throughout. The spacious yard provides room for outdoor enjoyment, gardening, or future improvements. Conveniently located near major roads, shopping, and local amenities, this home combines accessibility with neighborhood appeal. Whether you're looking to personalize your first home or expand your investment portfolio, this property holds strong potential. Don’t miss your chance to make it your own, schedule your showing today!

Key facts

• Spacious yard
• Natural light
• Outdoor enjoyment

Tags

• SINGLE-STORY HOME
• SPACIOUS YARD
• QUIET NEIGHBORHOOD
• FUNCTIONAL LAYOUT
• NATURAL LIGHT
• OUTDOOR ENJOYMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $85k.

Deal economics

• At list price, monthly cash flow is $416 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $82k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 60/100 on livability (#480 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-; Watch: health & safety C-, employment D, schools 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.
• Market conditions: Rents rising fast (+5.0%/yr); 372 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• This rent runs 38% 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 $4k of equity ($587 loan paydown + $3k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $24k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 9, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y ago; this cycle's ask has dropped $15k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $51k; list at $85k implies a 66% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1954 — 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 $82,353 (3.0% below list)

Questions for the listing agent

1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 1.54% ✓
• Cap rate: 12.18%
• Cash-on-cash: 21.02%
• DSCR: 1.94
• GRM: 5.4

CMA / ARV

• ARV (median comp): $104,472
• List price: $84,900
• Delta: -18.73%
• 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
2360 Chambers Rd	0.13mi	2/1.0 (-1)	1,168 (+1%)	1mo	$44,900	$38	87
2225 Kerwin Dr	0.29mi	3/1.0	1,135 (-2%)	2mo	$135,900	$120	82
9939 Duke Dr	0.03mi	3/1.0	1,040 (-10%)	3mo	$102,000	$98	79
10139 Edgefield Dr	0.52mi	3/2.0	1,140 (-2%)	0mo	$119,900	$105	69
2442 Gardner Dr	0.24mi	3/2.0	1,054 (-9%)	2mo	$59,900	$57	68
9850 Monarch Dr	0.17mi	3/2.0	1,014 (-12%)	2mo	$99,900	$99	65
9742 Wendell Dr	0.28mi	3/1.0	1,014 (-12%)	2mo	$69,900	$69	64
9828 Omega Dr	0.33mi	3/1.0	988 (-15%)	0mo	$100,000	$101	60
10217 Viscount Dr	0.61mi	3/2.0	1,205 (+4%)	2mo	$149,000	$124	59
1331 Norchester Dr	0.51mi	3/2.0	1,240 (+7%)	2mo	$209,900	$169	58
10231 Monarch Dr	0.59mi	3/2.0	1,073 (-7%)	1mo	$189,999	$177	55
10127 Monarch Dr	0.47mi	3/1.5	1,015 (-12%)	1mo	$155,000	$153	55

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: 30.3%
• Equity multiple: 2.81×
• Total profit: $43,042
• Equity at exit: $42,008

10-year hold

• IRR: 31.1%
• Equity multiple: 5.88×
• Total profit: $116,001
• Equity at exit: $67,891

Cash invested: $23,772 (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: 5.4×

Monthly cashflow live

• Estimated rent: $1,310 high
• Mortgage (P&I): −$445
• Tax from tax record: −$138 /mo · $1,654/yr
• Insurance: −$35
• HOA: −$0
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $416

Break-even live

Break-even rent $783

Max offer price $84,900

Occupancy floor 63%

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: $21,225
• Closing costs: $2,547
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	23d	1	0.06mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	23d	1	0.15mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	43d	1	0.24mi
2257 Chambers Rd Saint Louis, MO	3.0	1.0	1200	$1,400	$1.17	23d	1	0.26mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	43d	1	0.34mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	7d	1	0.34mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	43d	1	0.35mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	7d	1	0.36mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	43d	1	0.40mi
9908 Norbridge Ln Saint Louis, MO	2.0	2.0	1240	$1,650	$1.33	19d	1	0.49mi
2152 Nemnich Rd Saint Louis, MO	2.0	1.5	1030	$1,100	$1.07	43d	1	0.60mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	23d	1	0.67mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	2d	1	0.71mi
1520 Attica Dr Saint Louis, MO	2.0	1.0	1062	$1,200	$1.13	23d	1	0.71mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	4d	1	0.74mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	21d	1	0.75mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	23d	1	0.76mi
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	23d	1	0.76mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	23d	1	0.79mi
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	10d	1	0.84mi
10441 Prince Dr Saint Louis, MO	4.0	1.5	1380	$1,380	$1.00	43d	1	0.84mi
10501 Duke Dr Saint Louis, MO	2.0	1.0	1140	$1,090	$0.96	43d	1	0.87mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	43d	1	0.88mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	23d	1	0.88mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	7d	1	0.89mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	7d	1	0.90mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	14d	1	0.90mi
1926 Chambers Rd Saint Louis, MO	4.0	1.0	1095	$995	$0.91	14d	1	0.92mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	7d	1	0.95mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	43d	1	0.95mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	3d	1	0.98mi
9812 Balboa Dr Saint Louis, MO	4.0	2.0	1500	$1,495	$1.00	21d	1	0.99mi
1130 Forest Home Dr Saint Louis, MO	3.0	1.0	1025	$1,275	$1.24	43d	1	0.99mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	21d	1	1.00mi
10557 Castle Dr Saint Louis, MO	3.0	2.0	1023	$1,300	$1.27	14d	1	1.02mi
9709 Balboa Dr Saint Louis, MO	3.0	1.0	1000	$1,600	$1.60	43d	1	1.03mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	14d	1	1.09mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	17d	1	1.09mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	23d	1	1.12mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,450	$1.59	16d	1	1.12mi

Listing history 28 events

1. 2026-06-18
   days on market $84,900 Active 57 DOM
2. 2026-06-17
   days on market $84,900 Active 56 DOM
3. 2026-06-16
   days on market $84,900 Active 55 DOM
4. 2026-06-15
   days on market $84,900 Active 54 DOM
5. 2026-06-13
   days on market $84,900 Active 52 DOM
6. 2026-06-13
   pricedays on market $84,900 Active 51 DOM
7. 2026-06-09
   days on market $94,900 Active 48 DOM
8. 2026-06-08
   days on market $94,900 Active 47 DOM
9. 2026-06-07
   days on market $94,900 Active 46 DOM
10. 2026-06-05
    days on market $94,900 Active 43 DOM
11. 2026-06-03
    days on market $94,900 Active 42 DOM
12. 2026-06-02
    days on market $94,900 Active 41 DOM
13. 2026-06-01
    days on market $94,900 Active 40 DOM
14. 2026-05-31
    days on market $94,900 Active 39 DOM
15. 2026-04-22
    listed $99,900 Active 702-char remark

    Show marketing remark (702 chars)

    Welcome to 9946 Lanier Dr, a charming single-story home nestled in a quiet St. Louis neighborhood. This property offers a great opportunity for homeowners or investors alike, featuring a functional layout with comfortable living spaces and plenty of natural light throughout. The spacious yard provides room for outdoor enjoyment, gardening, or future improvements. Conveniently located near major roads, shopping, and local amenities, this home combines accessibility with neighborhood appeal. Whether you're looking to personalize your first home or expand your investment portfolio, this property holds strong potential. Don’t miss your chance to make it your own, schedule your showing today!

16. 2020-08-25
    soldstatus $51,000
17. 2020-08-20
    status Pending 771-char remark

    Show marketing remark (771 chars)

    3 Bed, 1 bath, plus attached carport. Property has recently been updated with Newer Plumbing, Appliances, Fixtures, Paint, Flooring, Property will offer years of low maintenance. Great Tenant at $800.00/ Month, this property is ready to start cash-flowing from day one!. To be sold in a package of (7) homes all within short-distance of each other and all of equal or better quality with solid tenants. A great opportunity for someone to expand their portfolio with quality properties. Seller may consider, parceling out the package. PACKAGE Consists of: 8030 Titus, 63114 - MLS# 20045573 - 8112 Titus 63114 MLS# 20045577- 2021 N. Hanley MLS# 200045558- 9946 Lanier MLS# 20045556 - 5409 Fletcher MLS# 20045546 - 2527 Switzer MLS# 20045540 - 10134 Edgefield MLS#20045507

18. 2020-08-20
    soldstatus Closed 771-char remark

    Show marketing remark (771 chars)

    3 Bed, 1 bath, plus attached carport. Property has recently been updated with Newer Plumbing, Appliances, Fixtures, Paint, Flooring, Property will offer years of low maintenance. Great Tenant at $800.00/ Month, this property is ready to start cash-flowing from day one!. To be sold in a package of (7) homes all within short-distance of each other and all of equal or better quality with solid tenants. A great opportunity for someone to expand their portfolio with quality properties. Seller may consider, parceling out the package. PACKAGE Consists of: 8030 Titus, 63114 - MLS# 20045573 - 8112 Titus 63114 MLS# 20045577- 2021 N. Hanley MLS# 200045558- 9946 Lanier MLS# 20045556 - 5409 Fletcher MLS# 20045546 - 2527 Switzer MLS# 20045540 - 10134 Edgefield MLS#20045507

19. 2020-07-20
    historical Active Under Contract 771-char remark

    Show marketing remark (771 chars)

    3 Bed, 1 bath, plus attached carport. Property has recently been updated with Newer Plumbing, Appliances, Fixtures, Paint, Flooring, Property will offer years of low maintenance. Great Tenant at $800.00/ Month, this property is ready to start cash-flowing from day one!. To be sold in a package of (7) homes all within short-distance of each other and all of equal or better quality with solid tenants. A great opportunity for someone to expand their portfolio with quality properties. Seller may consider, parceling out the package. PACKAGE Consists of: 8030 Titus, 63114 - MLS# 20045573 - 8112 Titus 63114 MLS# 20045577- 2021 N. Hanley MLS# 200045558- 9946 Lanier MLS# 20045556 - 5409 Fletcher MLS# 20045546 - 2527 Switzer MLS# 20045540 - 10134 Edgefield MLS#20045507

20. 2020-07-02
    listed $53,000 Active 771-char remark

    Show marketing remark (771 chars)

    3 Bed, 1 bath, plus attached carport. Property has recently been updated with Newer Plumbing, Appliances, Fixtures, Paint, Flooring, Property will offer years of low maintenance. Great Tenant at $800.00/ Month, this property is ready to start cash-flowing from day one!. To be sold in a package of (7) homes all within short-distance of each other and all of equal or better quality with solid tenants. A great opportunity for someone to expand their portfolio with quality properties. Seller may consider, parceling out the package. PACKAGE Consists of: 8030 Titus, 63114 - MLS# 20045573 - 8112 Titus 63114 MLS# 20045577- 2021 N. Hanley MLS# 200045558- 9946 Lanier MLS# 20045556 - 5409 Fletcher MLS# 20045546 - 2527 Switzer MLS# 20045540 - 10134 Edgefield MLS#20045507

21. 2016-09-06
    soldstatus Closed
22. 2016-08-04
    status Pending
23. 2016-07-11
    listed $24,900 Active
24. 2016-06-09
    price $27,500
25. 1996-09-05
    soldstatus
26. 1991-12-17
    soldstatus $53,000
27. 1991-04-25
    soldstatus
28. 1990-10-01
    soldstatus $58,362

ⓘ 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: $1,654 · $138/mo
• Projected year-2 tax: $1,654 · $138/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: $15,720
• − Mortgage interest: −$4,756
• − Property taxes: −$1,654
• − Insurance: −$424
• − Repairs & maintenance: −$1,258
• − Management: −$1,258
• − Depreciation: −$2,470
• Taxable income: $3,901
• Est. tax owed @ 24.0%: −$936
• After-tax cash flow: $4,061/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 — Moline Acres

• Score: 60/100
• State rank: #480
• US rank: #18899

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Moline Acres, MO
• 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

+71.2% since first listed

14 events — show timeline

• 2026-04-22 Listed $99,900 MARIS as Distributed by MLS Grid
• 2020-08-25 Sold (Public Records) $51,000 Public Records
• 2020-08-20 Pending — MARIS as Distributed by MLS Grid
• 2020-08-20 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2020-07-20 Contingent — MARIS as Distributed by MLS Grid
• 2020-07-02 Listed $53,000 MARIS as Distributed by MLS Grid
• 2016-09-06 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2016-08-04 Pending — MARIS as Distributed by MLS Grid
• 2016-07-11 Listed $24,900 MARIS as Distributed by MLS Grid
• 2016-06-09 Price Changed $27,500 MARIS as Distributed by MLS Grid
• 1996-09-05 Sold (Public Records) — Public Records
• 1991-12-17 Sold (Public Records) $53,000 Public Records
• 1991-04-25 Sold (Public Records) — Public Records
• 1990-10-01 Sold (Public Records) $58,362 Public Records

Property tax history

+3.9%/yr

Latest (2022): $1,654 · +0.3% YoY. Source: county tax records.