1501 Golden Dr · Bellefontaine Neighbors, MO 63137

$79,900

2 bd · 1.0 ba · 792 sqft · SingleFamily public records · 91 Days on market

Built 1955 6,446 sqft lot $101/sqft · 21% below area Est $101k · 21% 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +4.1/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 2-bedroom, 1-bath single-family home located in a quiet and convenient St. Louis neighborhood. With approximately 792 square feet of living space, this residence features a functional layout perfect for first-time homebuyers or investors. Enjoy a bright living area, practical kitchen, and comfortable bedrooms. The property includes a backyard ideal for outdoor activities or gardening, and a full basement providing extra storage or future finishing potential. Conveniently situated near shopping, dining, schools, and major roadways, this home combines comfort with accessibility. Don’t miss this opportunity to own a well-maintained home with solid potential!

Key facts

• Backyard
• Full basement
• Convenient location

Tags

• BACKYARD
• FULL BASEMENT
• QUIET NEIGHBORHOOD
• CONVENIENT LOCATION

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $426 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $73k (9.0% below list) — sets the bar for market timing.
• Cap rate 12.7% vs local median 9.5% in Bellefontaine Neighbors — 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 58/100 on livability (#592 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: employment D+, schools F, crime 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 (+6.6%/yr); 201 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 35% of the median local income ($43k/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 $552 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $22k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($73k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 13y ago; this cycle's ask has dropped $15k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1955 — 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 $72,709 (9.0% below list)

Questions for the listing agent

1. It's been on market 91 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 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.59% ✓
• Cap rate: 12.69%
• Cash-on-cash: 22.85%
• DSCR: 2.02
• GRM: 5.2

CMA / ARV

• ARV (median comp): $100,768
• List price: $79,900
• Delta: -20.71%
• 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
1237 Kilgore Dr	0.26mi	2/1.0	792 (0%)	10mo	$67,900	$86	80
10346 Ashbrook	0.62mi	3/1.0 (+1)	792 (0%)	1mo	$135,000	$170	65
1207 Bakewell	0.62mi	2/1.0	776 (-2%)	3mo	$124,500	$160	65
10019 Lord Dr	0.62mi	2/1.0	795 (+0%)	7mo	$37,999	$48	65
1227 Bliss Dr	0.64mi	2/1.0	792 (0%)	9mo	$74,900	$95	63
10117 Royal Dr	0.45mi	3/1.0 (+1)	864 (+9%)	1mo	$35,000	$41	58
10417 Duke Dr	0.71mi	2/1.0	770 (-3%)	7mo	$35,000	$45	56
10348 Earl Dr	0.69mi	3/1.0 (+1)	770 (-3%)	4mo	$35,000	$45	55
9712 Griffin Dr	0.62mi	2/1.0	850 (+7%)	6mo	$119,900	$141	54
10117 Duke Dr	0.50mi	3/1.0 (+1)	864 (+9%)	4mo	$119,900	$139	53
1132 Kilgore Dr	0.45mi	3/1.5 (+1)	864 (+9%)	7mo	$115,000	$133	51
9632 Cutler Dr	0.66mi	2/1.0	850 (+7%)	9mo	$52,360	$62	50

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 · 6.59% rent growth · sell at horizon

5-year hold

• IRR: 19.9%
• Equity multiple: 1.85×
• Total profit: $18,972
• Equity at exit: $11,913

10-year hold

• IRR: 30.6%
• Equity multiple: 4.25×
• Total profit: $72,601
• Equity at exit: $6,908

Cash invested: $22,372 (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 63137

• Rents YoY: 6.6%
• Active inventory: 201
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,270 high
• Mortgage (P&I): −$419
• Tax from tax record: −$125 /mo · $1,503/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$267
• Net cashflow: $426

Break-even live

Break-even rent $731

Max offer price $79,900

Occupancy floor 61%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1520 Attica Dr Saint Louis, MO	2.0	1.0	1062	$1,200	$1.13	24d	1	0.19mi
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	10d	1	0.32mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	44d	1	0.43mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	44d	1	0.47mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	15d	1	0.50mi
1253 Avant Dr Saint Louis, MO	2.0	1.0	795	$1,295	$1.63	18d	1	0.50mi
10200 Tappan Dr Saint Louis, MO	3.0	1.0	912	$1,450	$1.59	16d	1	0.52mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	24d	1	0.61mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	7d	1	0.63mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	24d	1	0.63mi
1230 Roxton Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	22d	1	0.64mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	44d	1	0.65mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	24d	1	0.65mi
1115 Bakewell Dr Saint Louis, MO	3.0	1.0	916	$1,300	$1.42	44d	1	0.67mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	4d	1	0.68mi
10367 Coburg Lands Dr Saint Louis, MO	3.0	1.0	912	$1,270	$1.39	44d	1	0.70mi
1130 Forest Home Dr Saint Louis, MO	3.0	1.0	1025	$1,275	$1.24	44d	1	0.71mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	7d	1	0.72mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	2d	1	0.73mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	44d	1	0.74mi
10557 Castle Dr Saint Louis, MO	3.0	2.0	1023	$1,300	$1.27	15d	1	0.77mi
1009 Bliss Dr Saint Louis, MO	3.0	1.0	912	$1,400	$1.54	44d	1	0.79mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	22d	1	0.80mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	24d	1	0.82mi
1208 Rapid Dr Saint Louis, MO	3.0	1.0	992	$1,375	$1.39	4d	1	0.86mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	15d	1	0.88mi
10508 Druid Dr Saint Louis, MO	3.0	1.0	1122	$1,475	$1.31	16d	1	0.89mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	7d	1	0.91mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	22d	1	0.92mi
10203 Trio Ln Saint Louis, MO	3.0	1.0	912	$1,435	$1.57	16d	1	0.99mi
815 Bella Ln Saint Louis, MO	3.0	1.0	864	$1,275	$1.48	44d	1	1.12mi
10066 Dorothy Ave Saint Louis, MO	2.0	1.0	916	$1,225	$1.34	22d	1	1.15mi
2152 Nemnich Rd Saint Louis, MO	2.0	1.5	1030	$1,100	$1.07	44d	1	1.18mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	24d	1	1.21mi
9924 Gloucester Dr Saint Louis, MO	3.0	2.0	992	$1,565	$1.58	10d	1	1.27mi
9943 Lilac Dr Saint Louis, MO	2.0	1.0	1086	$1,000	$0.92	44d	1	1.28mi
623 Ludlow Dr Saint Louis, MO	2.0	1.0	840	$1,199	$1.43	24d	1	1.28mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	24d	1	1.35mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	44d	1	1.35mi
9811 Lilac Dr Unit I St. Louis, MO	2.0	1.0	705	$799	$1.13	44d	1	1.36mi

Listing history 24 events

1. 2026-06-18
   days on market $79,900 Active 91 DOM
2. 2026-06-17
   days on market $79,900 Active 90 DOM
3. 2026-06-16
   days on market $79,900 Active 89 DOM
4. 2026-06-15
   days on market $79,900 Active 88 DOM
5. 2026-06-13
   days on market $79,900 Active 86 DOM
6. 2026-06-13
   days on market $79,900 Active 85 DOM
7. 2026-06-09
   days on market $79,900 Active 82 DOM
8. 2026-06-08
   days on market $79,900 Active 81 DOM
9. 2026-06-07
   days on market $79,900 Active 80 DOM
10. 2026-06-05
    days on market $79,900 Active 77 DOM
11. 2026-06-03
    days on market $79,900 Active 76 DOM
12. 2026-06-02
    days on market $79,900 Active 75 DOM
13. 2026-06-01
    days on market $79,900 Active 74 DOM
14. 2026-05-31
    days on market $79,900 Active 73 DOM
15. 2026-05-01
    price $84,900 680-char remark

    Show marketing remark (680 chars)

    Charming 2-bedroom, 1-bath single-family home located in a quiet and convenient St. Louis neighborhood. With approximately 792 square feet of living space, this residence features a functional layout perfect for first-time homebuyers or investors. Enjoy a bright living area, practical kitchen, and comfortable bedrooms. The property includes a backyard ideal for outdoor activities or gardening, and a full basement providing extra storage or future finishing potential. Conveniently situated near shopping, dining, schools, and major roadways, this home combines comfort with accessibility. Don’t miss this opportunity to own a well-maintained home with solid potential!

16. 2026-04-16
    price $89,900 680-char remark

    Show marketing remark (680 chars)

    Charming 2-bedroom, 1-bath single-family home located in a quiet and convenient St. Louis neighborhood. With approximately 792 square feet of living space, this residence features a functional layout perfect for first-time homebuyers or investors. Enjoy a bright living area, practical kitchen, and comfortable bedrooms. The property includes a backyard ideal for outdoor activities or gardening, and a full basement providing extra storage or future finishing potential. Conveniently situated near shopping, dining, schools, and major roadways, this home combines comfort with accessibility. Don’t miss this opportunity to own a well-maintained home with solid potential!

17. 2026-03-19
    listed $94,900 Active 680-char remark

    Show marketing remark (680 chars)

    Charming 2-bedroom, 1-bath single-family home located in a quiet and convenient St. Louis neighborhood. With approximately 792 square feet of living space, this residence features a functional layout perfect for first-time homebuyers or investors. Enjoy a bright living area, practical kitchen, and comfortable bedrooms. The property includes a backyard ideal for outdoor activities or gardening, and a full basement providing extra storage or future finishing potential. Conveniently situated near shopping, dining, schools, and major roadways, this home combines comfort with accessibility. Don’t miss this opportunity to own a well-maintained home with solid potential!

18. 2018-01-05
    soldstatus $1,067,500
19. 2016-09-30
    price $35,900
20. 2016-07-29
    price $36,900
21. 2013-12-19
    soldstatus
22. 2013-10-21
    listed $16,500
23. 1996-09-10
    soldstatus $53,900
24. 1959-12-18
    soldstatus

ⓘ 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: $1,503 · $125/mo
• Projected year-2 tax: $1,503 · $125/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 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,243
• − Mortgage interest: −$4,476
• − Property taxes: −$1,503
• − Insurance: −$400
• − Repairs & maintenance: −$1,219
• − Management: −$1,219
• − Depreciation: −$2,324
• Taxable income: $4,102
• Est. tax owed @ 24.0%: −$984
• After-tax cash flow: $4,127/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 — Bellefontaine Neighbors

• Score: 58/100
• State rank: #592
• US rank: #20944

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellefontaine Neighbors, MO
• County: Saint Louis County · 888,823 people
• City population: 19,684
• Metro: St. Louis, MO-IL
• Population (ZIP): 19,684
• Household income: $43,422
• Rent vs Own: 52.2% rent · 47.8% own
• Severe rent burden: 1863.0

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 (82%)
• Race & ethnicity: Black 82% White 13% Two or more races 3%
• Common ancestry: Romanian 1% Lithuanian 1% Italian 1%
• Foreign-born: 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: ▼ -96.70%
• Current HPI: 130.6765
• Rent YoY: ▲ 6.59%
• 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

+57.5% since first listed

10 events — show timeline

• 2026-05-01 Price Changed $84,900 MARIS as Distributed by MLS Grid
• 2026-04-16 Price Changed $89,900 MARIS as Distributed by MLS Grid
• 2026-03-19 Listed $94,900 MARIS as Distributed by MLS Grid
• 2018-01-05 Sold (Public Records) $1,067,500 Public Records
• 2016-09-30 Price Changed $35,900 MARIS as Distributed by MLS Grid
• 2016-07-29 Price Changed $36,900 MARIS as Distributed by MLS Grid
• 2013-12-19 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2013-10-21 Listed $16,500 MARIS as Distributed by MLS Grid
• 1996-09-10 Sold (Public Records) $53,900 Public Records
• 1959-12-18 Sold (Public Records) — Public Records

Property tax history

+11.2%/yr

Latest (2022): $1,503 · +0.9% YoY. Source: county tax records.