4159 Schiller Pl · St. Louis, MO 63116

$99,000

2 bd · 1.0 ba · 959 sqft · SingleFamily public records · 90 Days on market

Built 1905 3,388 sqft lot $103/sqft · 33% below area Est $147k · 33% 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 +26.9/30.0
• ARV discount +15.0/15.0
• DSCR +9.3/10.0
• 1% rule +6.2/10.0
• Rent growth +3.2/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great starter home featuring two bedrooms and one bathroom, with a separate kitchen and dining room along with convenient main floor laundry. This home offers updated electric, fresh paint, new flooring, updated kitchen cabinets and countertops, and refreshed bath fixtures. Partial basement includes HVAC and a newer electric water heater. Enjoy a nice chain-link fenced backyard with a storage shed and parking pad. Currently tenant-occupied, offering immediate rental income—perfect for investors or future owner-occupants.

Key facts

• Separate kitchen
• Updated electric
• New flooring

Tags

• SEPARATE KITCHEN
• DINING ROOM
• MAIN FLOOR LAUNDRY
• UPDATED ELECTRIC
• NEW FLOORING
• UPDATED KITCHEN CABINETS

🏷️ Possibly a rental listed for sale. The $99,000 price doesn't fit this home's estimated sale value (~$146,760) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $274 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).
• Recommended offer: $93k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.6% vs local median 5.0% in St. Louis — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• St. Louis City (urban): math 10% / reading 18% proficiency, ranked #312 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+2.6%/yr); 255 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); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 2.6% rent growth), your $28k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 90 days — a 6% lower offer ($93k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 5y ago; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $27k; list at $99k implies a 267% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1905 — 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 $93,060 (6.0% below list)

Questions for the listing agent

1. It's been on market 90 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1905 — 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. 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.
6. 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.
7. 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: 1.12% ✓
• Cap rate: 9.61%
• Cash-on-cash: 11.86%
• DSCR: 1.53
• GRM: 7.5

CMA / ARV

• ARV (median comp): $146,760
• List price: $99,000
• Delta: -32.54%
• 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
5425 Bates St	0.37mi	2/1.0	914 (-5%)	0mo	$185,000	$202	75
3905 Itaska St	0.51mi	2/1.0	923 (-4%)	1mo	$135,000	$146	69
3940 Randall St	0.41mi	3/1.0 (+1)	1,008 (+5%)	1mo	$165,000	$164	67
4068 Wilmington Ave	0.39mi	3/1.0 (+1)	901 (-6%)	0mo	$200,000	$222	66
4253 Neosho St	0.53mi	2/1.0	1,020 (+6%)	1mo	$70,000	$69	64
3808 Burgen Ave	0.59mi	2/1.0	1,008 (+5%)	1mo	$174,900	$174	63
5920 Morganford Rd	0.37mi	2/1.5	1,058 (+10%)	1mo	$194,900	$184	63
4533 Ray Ave	0.54mi	3/1.5 (+1)	1,000 (+4%)	0mo	$229,900	$230	60
6118 Newport Ave	0.49mi	2/1.0	858 (-10%)	1mo	$199,900	$233	59
5450 Dresden Ave	0.45mi	2/1.0	829 (-14%)	1mo	$150,000	$181	56
4372 Ellenwood Ave	0.63mi	2/1.0	864 (-10%)	2mo	$105,000	$122	53
4817 Goethe Ave Ave	0.74mi	2/1.5	1,100 (+15%)	1mo	$175,000	$159	38

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 · 2.62% rent growth · sell at horizon

5-year hold

• IRR: 0.9%
• Equity multiple: 1.03×
• Total profit: $956
• Equity at exit: $14,761

10-year hold

• IRR: 10.2%
• Equity multiple: 1.77×
• Total profit: $21,450
• Equity at exit: $8,560

Cash invested: $27,720 (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 63116

• Rents YoY: 2.6%
• Active inventory: 255
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,107 high
• Mortgage (P&I): −$519
• Tax from tax record: −$40 /mo · $477/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$232
• Net cashflow: $274

Break-even live

Break-even rent $760

Max offer price $99,000

Occupancy floor 70%

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5021 Ray Ave Unit 1f St. Louis, MO	1.0	1.0	768	$1,095	$1.43	14d	1	0.19mi
5021 Ray Ave Unit A St. Louis, MO	1.0	1.0	768	$1,194	$1.55	14d	1	0.19mi
5021 Ray Ave Unit B St. Louis, MO	1.0	1.0	768	$1,195	$1.56	14d	1	0.19mi
4028 Schiller Pl Saint Louis, MO	2.0	1.0	802	$1,440	$1.80	43d	1	0.20mi
4740 Newport Ave Saint Louis, MO	1.0	1.0	754	$1,650	$2.19	43d	1	0.25mi
4733 Morgan Ford Rd Unit 3 St. Louis, MO	1.0	1.0	800	$799	$1.00	23d	1	0.37mi
4729 Morgan Ford Rd Unit 7 St. Louis, MO	1.0	1.0	800	$799	$1.00	11d	1	0.38mi
4007 Wilmington Ave Fl 2 St. Louis, MO	1.0	1.0	925	$850	$0.92	23d	1	0.42mi
5033 Ulena Ave Saint Louis, MO	2.0	1.0	960	$1,575	$1.64	43d	1	0.44mi
4413 Delor St Unit 2F St. Louis, MO	2.0	1.0	1010	$1,125	$1.11	23d	1	0.45mi
5723 Gravois Ave St. Louis, MO	1.0	1.0	1080	$850	$0.79	11d	1	0.45mi
5415 Dresden Ave Saint Louis, MO	2.0	1.5	935	$1,200	$1.28	23d	1	0.50mi
6135 Newport Ave Saint Louis, MO	2.0	1.0	960	$1,976	$2.06	1d	1	0.50mi
3824 Eiler St Saint Louis, MO	2.0	1.0	1000	$1,050	$1.05	23d	1	0.50mi
4215 Neosho St Unit 101 St. Louis, MO	2.0	1.0	750	$825	$1.10	43d	1	0.51mi
5111 Cologne Ave Saint Louis, MO	2.0	1.0	800	$1,050	$1.31	43d	1	0.52mi
4205 Ellenwood Ave Unit 202 St. Louis, MO	1.0	1.0	750	$899	$1.20	23d	1	0.55mi
4205 Ellenwood Ave Unit 102 St. Louis, MO	1.0	1.0	750	$899	$1.20	43d	1	0.55mi
4227 Ellenwood Ave Saint Louis, MO	1.0	1.0	650	$825	$1.27	16d	1	0.57mi
4231-4233 Ellenwood Ave St. Louis, MO	1.0	1.0	650	$825	$1.27	14d	1	0.58mi
4274 Ellenwood Ave Unit 1E St. Louis, MO	2.0	1.0	800	$995	$1.24	43d	1	0.59mi
4710 Eichelberger St Unit First St. Louis, MO	2.0	1.0	888	$900	$1.01	43d	1	0.59mi
3815 Wilmington Ave Apt 2N St. Louis, MO	2.0	1.0	800	$1,095	$1.37	43d	1	0.64mi
3765 Delor St Unit 37651-F St. Louis, MO	2.0	1.5	900	$1,225	$1.36	23d	1	0.66mi
4666-4668 Rosa Ave Unit 4 St. Louis, MO	1.0	1.0	1000	$725	$0.72	23d	1	0.67mi
4668 Rosa Ave St. Louis, MO	1.0	1.0	1000	$725	$0.72	20d	1	0.67mi
4668 Rosa Ave St. Louis, MO	1.0	1.0	1000	$725	$0.72	43d	1	0.67mi
3761 Delor St St. Louis, MO	2.0	1.5	900	$1,285	$1.43	1d	2	0.67mi
5707 Dewey Ave Unit 1F St. Louis, MO	2.0	1.0	1000	$1,050	$1.05	14d	1	0.68mi
4428 Ellenwood Ave Saint Louis, MO	2.0	1.0	900	$1,225	$1.36	43d	1	0.68mi
3737 Delor St Unit 3737-1F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	23d	1	0.70mi
3737 Delor St Unit 3737-2F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	43d	1	0.70mi
3647 Delor St Unit 3647-1F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	43d	1	0.70mi
3729 Delor St Unit 37292-F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	23d	1	0.70mi
4403 Gravois Ave St. Louis, MO	1.0	1.0	800	$775	$0.97	14d	1	0.70mi
4114 Osceola St Unit A St. Louis, MO	1.0	1.0	775	$750	$0.97	43d	1	0.71mi
3717 Delor St Unit 37172-F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	23d	1	0.71mi
5006 Christy Blvd Unit 1st Fl St. Louis, MO	3.0	1.0	1100	$1,450	$1.32	43d	1	0.71mi
3723 Delor St Unit 3723-1F St. Louis, MO	2.0	1.5	900	$1,225	$1.36	43d	1	0.72mi
3719 Delor St Unit 3719-1F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	43d	1	0.72mi

Listing history 24 events

1. 2026-06-01
   days on market $99,000 Active 90 DOM
2. 2026-05-31
   days on market $99,000 Active 89 DOM
3. 2026-05-19
   price $99,000 532-char remark

   Show marketing remark (532 chars)

   Great starter home featuring two bedrooms and one bathroom, with a separate kitchen and dining room along with convenient main floor laundry. This home offers updated electric, fresh paint, new flooring, updated kitchen cabinets and countertops, and refreshed bath fixtures. Partial basement includes HVAC and a newer electric water heater. Enjoy a nice chain-link fenced backyard with a storage shed and parking pad. Currently tenant-occupied, offering immediate rental income—perfect for investors or future owner-occupants.

4. 2026-05-06
   price $100,000 532-char remark

   Show marketing remark (532 chars)

   Great starter home featuring two bedrooms and one bathroom, with a separate kitchen and dining room along with convenient main floor laundry. This home offers updated electric, fresh paint, new flooring, updated kitchen cabinets and countertops, and refreshed bath fixtures. Partial basement includes HVAC and a newer electric water heater. Enjoy a nice chain-link fenced backyard with a storage shed and parking pad. Currently tenant-occupied, offering immediate rental income—perfect for investors or future owner-occupants.

5. 2026-03-02
   listed $109,000 Active 532-char remark

   Show marketing remark (532 chars)

   Great starter home featuring two bedrooms and one bathroom, with a separate kitchen and dining room along with convenient main floor laundry. This home offers updated electric, fresh paint, new flooring, updated kitchen cabinets and countertops, and refreshed bath fixtures. Partial basement includes HVAC and a newer electric water heater. Enjoy a nice chain-link fenced backyard with a storage shed and parking pad. Currently tenant-occupied, offering immediate rental income—perfect for investors or future owner-occupants.

6. 2024-01-04
   historical
7. 2023-12-26
   historical $1,000
8. 2023-12-19
   listed $1,000
9. 2023-12-18
   price $99,900
10. 2023-12-04
    price $109,900
11. 2023-11-17
    status Active
12. 2023-11-08
    historical Active Under Contract
13. 2023-10-28
    listed $114,900 Active
14. 2023-10-28
    historical
15. 2021-07-23
    price $87,000
16. 2021-06-14
    price $89,900
17. 2021-06-05
    price $99,900
18. 2021-05-20
    price $104,900
19. 2021-02-11
    soldstatus $27,000
20. 2021-02-09
    soldstatus Closed
21. 2021-01-19
    status Pending
22. 2021-01-15
    listed $26,000 Active
23. 2021-01-13
    historical $26,000
24. 2015-08-28
    soldstatus $17,000

ⓘ 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: $477 · $40/mo
• Projected year-2 tax: $960 · $80/mo
• Expected delta: +$484/yr (+$40/mo · 101.4%)

ⓘ 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 ≥108°F today · 21 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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,279
• − Mortgage interest: −$5,546
• − Property taxes: −$477
• − Insurance: −$495
• − Repairs & maintenance: −$1,062
• − Management: −$1,062
• − Depreciation: −$2,880
• Taxable income: $1,757
• Est. tax owed @ 24.0%: −$422
• After-tax cash flow: $2,867/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: St. Louis City
• NCES district ID: 2929280
• Math proficiency: 10% ▼ -6.00%
• Reading proficiency: 18% ▼ -3.00%
• Median HH income: $35,685
• Composite: 11.54/100
• National rank: #9699
• State rank: #312 of 324 in MO

Livability — St. Louis

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Louis, MO
• County: Saint Louis City · 254,015 people
• City population: 283,259
• Metro: St. Louis, MO-IL
• Population (ZIP): 42,170
• Household income: $61,433
• Rent vs Own: 43.1% rent · 56.9% own
• Severe rent burden: 1923.0

Population outlook (St. Louis County) Hauer SSP2

• Today (2025): 315,737 people
• By 2030: 313,865 · -0.6%
• By 2040: 305,439 · -3.3%
• By 2050: 296,529 · -6.1%
• By 2075: 271,028 · -14.2%
• By 2100: 255,359 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 54% Black 27% Hispanic / Latino 10% Two or more races 8% Asian 5%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Lithuanian 4% Romanian 2% Italian 2%
• Foreign-born: 11% · Canada, Vietnam, Philippines
• Languages at home: 85% English-only · Spanish 6% Vietnamese 2% Arabic 2%

Political lean MEDSL · St. Louis

• 2024 margin: Solid D (+64.7) · D 81.4% · R 16.7% · Other 2.0%
• 2008→2024 swing: -3.5pp toward R · 2008: 68.2pp · 2024: 64.7pp
• All cycles: 2024: D+64.7 2020: D+66.2 2016: D+63.7 2012: D+66.6 2008: D+68.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -271.19%
• Current HPI: 215.7108
• Rent YoY: ▲ 2.62%
• 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

+482.4% since first listed

22 events — show timeline

• 2026-05-19 Price Changed $99,000 MARIS as Distributed by MLS Grid
• 2026-05-06 Price Changed $100,000 MARIS as Distributed by MLS Grid
• 2026-03-02 Listed $109,000 MARIS as Distributed by MLS Grid
• 2024-01-04 Delisted — MARIS as Distributed by MLS Grid
• 2023-12-26 Rental Removed $1,000 APPFOLIO
• 2023-12-19 Listed for Rent $1,000 APPFOLIO
• 2023-12-18 Price Changed $99,900 MARIS as Distributed by MLS Grid
• 2023-12-04 Price Changed $109,900 MARIS as Distributed by MLS Grid
• 2023-11-17 Relisted — MARIS as Distributed by MLS Grid
• 2023-11-08 Contingent — MARIS as Distributed by MLS Grid
• 2023-10-28 Listed $114,900 MARIS as Distributed by MLS Grid
• 2023-10-28 Coming Soon — MARIS as Distributed by MLS Grid
• 2021-07-23 Price Changed $87,000 MARIS as Distributed by MLS Grid
• 2021-06-14 Price Changed $89,900 MARIS as Distributed by MLS Grid
• 2021-06-05 Price Changed $99,900 MARIS as Distributed by MLS Grid
• 2021-05-20 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2021-02-11 Sold (Public Records) $27,000 Public Records
• 2021-02-09 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2021-01-19 Pending — MARIS as Distributed by MLS Grid
• 2021-01-15 Listed $26,000 MARIS as Distributed by MLS Grid
• 2021-01-13 Coming Soon $26,000 MARIS as Distributed by MLS Grid
• 2015-08-28 Sold (Public Records) $17,000 Public Records

Property tax history

+2.7%/yr

Latest (2024): $477 · +4.9% YoY. Source: county tax records.