4152 Delmar Blvd · St. Louis, MO 63108

$229,900

6 bd · 1.5 ba · 1,794 sqft · SingleFamily public records · 134 Days on market

Built 1895 3,977 sqft lot Est $230k · at est.

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Why this score? — see what drove the C+ 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
• DSCR +10.0/10.0
• 1% rule +7.9/10.0
• ARV discount +7.4/15.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 3-story brick home (w/2 lots) in the Central West End with tons of potential! Perfect for flippers, investors or anyone willing to put in some serious sweat equity. Home is livable but needs a major overhaul. Interior features (5) bedrooms and (3) full baths on three levels of living space. Main level has the kitchen, family room & dining room (currently being used as a 6th BR). Family and dining rooms are connected via pocket doors. There is a bathroom off the bedroom and another one off kitchen. 2nd level has (3) bedrooms, a hall bath and a bonus room that could be laundry and/or office. The 3rd level has two large bedrooms. Front and back original staircases, brick fireplace and other original woodwork still in place, just hard to see it all. Deck & partial driveway in back. Sale includes the vacant lot next door ID 4875-9-110.000. Location puts you close to the Grand Arts Center, SLU, the CWE biz district, City Foundry, Locust Business District, downtown and so much more.

Key facts

• Double lot
• New roof
• Redone kitchen

Tags

• DOUBLE LOT
• NEW ROOF
• REDONE KITCHEN
• REDONE BATHROOMS
• BASKETBALL OR PICKLEBALL COURT
• CLOSE TO GRAND ARTS CENTER

What this means for you Summary

Snapshot

• This is a 6-bed/1.5-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $941 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $230k).
• Recommended offer: $202k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.2% 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 C — 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.
• Zoned schools: Nahed Chapman New American Aca (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 335 students, 99% FRL); Gateway Middle (math 0% / reading 8%, grade F, #389 of 391 statewide, top 100%, 506 students, 99% FRL); Sumner High (math 2% / reading 2%, grade F, #520 of 521 statewide, top 100%, 264 students, 99% FRL) — zoned schools average 99% FRL vs 80% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.1%/yr); 153 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $2k of loan paydown is wiped out by about $7k 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 + 3.1% rent growth), your $64k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 134 days — a 12% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y ago; this cycle's ask is 28638% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $135k; list at $230k implies a 70% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1895 — 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 $202,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 134 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1895 — 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: 1.29% ✓
• Cap rate: 11.20%
• Cash-on-cash: 17.53%
• DSCR: 1.78
• GRM: 6.4

CMA / ARV

• ARV (on-the-fly): $229,632
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4152 Delmar Blvd	0.00mi	6/3.0	1,794 (0%)	4mo	$229,900	$128	90

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 · 3.1% rent growth · sell at horizon

5-year hold

• IRR: 9.0%
• Equity multiple: 1.36×
• Total profit: $22,885
• Equity at exit: $34,279

10-year hold

• IRR: 18.3%
• Equity multiple: 2.52×
• Total profit: $98,029
• Equity at exit: $19,878

Cash invested: $64,372 (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 63108

• Home prices YoY: -33.1%
• Rents YoY: 3.1%
• Active inventory: 153
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $2,974 medium
• Mortgage (P&I): −$1,206
• Tax from tax record: −$108 /mo · $1,290/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$625
• Net cashflow: $941

Break-even live

Break-even rent $1,783

Max offer price $229,900

Occupancy floor 63%

Sensitivity live

Price	-10% $1,071	-5% $1,006	+0% $941	+5% $875	+10% $810
Rent	-10% $706	-5% $823	+0% $941	+5% $1,058	+10% $1,176
Rate	-1.0pp $1,056	-0.5pp $999	base $941	+0.5pp $881	+1.0pp $820

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: $57,475
• Closing costs: $6,897
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4125 Chouteau Ave Unit 1031870P St. Louis, MO	3.0–6.0	2.0–4.0	1592	$7,793	$4.89	0d	2	1.25mi

Listing history 19 events

1. 2026-04-04
   historical $800
2. 2026-03-02
   listed $800
3. 2026-03-02
   historical $800
4. 2026-02-21
   listed $800
5. 2026-02-16
   historical $800
6. 2026-02-14
   listed $800
7. 2026-01-06
   status Pending
8. 2025-10-19
   price $229,900
9. 2025-10-08
   price $240,000
10. 2025-09-30
    price $245,000
11. 2025-09-18
    price $250,000
12. 2025-09-11
    price $260,000
13. 2025-09-07
    price $275,000
14. 2025-08-25
    listed $289,900 Active
15. 2024-05-29
    soldstatus $135,000
16. 2024-05-16
    soldstatus Closed 1007-char remark

    Show marketing remark (1007 chars)

    Charming 3-story brick home (w/2 lots) in the Central West End with tons of potential! Perfect for flippers, investors or anyone willing to put in some serious sweat equity. Home is livable but needs a major overhaul. Interior features (5) bedrooms and (3) full baths on three levels of living space. Main level has the kitchen, family room & dining room (currently being used as a 6th BR). Family and dining rooms are connected via pocket doors. There is a bathroom off the bedroom and another one off kitchen. 2nd level has (3) bedrooms, a hall bath and a bonus room that could be laundry and/or office. The 3rd level has two large bedrooms. Front and back original staircases, brick fireplace and other original woodwork still in place, just hard to see it all. Deck & partial driveway in back. Sale includes the vacant lot next door ID 4875-9-110.000. Location puts you close to the Grand Arts Center, SLU, the CWE biz district, City Foundry, Locust Business District, downtown and so much more.

17. 2024-04-14
    status Pending 1007-char remark

    Show marketing remark (1007 chars)

    Charming 3-story brick home (w/2 lots) in the Central West End with tons of potential! Perfect for flippers, investors or anyone willing to put in some serious sweat equity. Home is livable but needs a major overhaul. Interior features (5) bedrooms and (3) full baths on three levels of living space. Main level has the kitchen, family room & dining room (currently being used as a 6th BR). Family and dining rooms are connected via pocket doors. There is a bathroom off the bedroom and another one off kitchen. 2nd level has (3) bedrooms, a hall bath and a bonus room that could be laundry and/or office. The 3rd level has two large bedrooms. Front and back original staircases, brick fireplace and other original woodwork still in place, just hard to see it all. Deck & partial driveway in back. Sale includes the vacant lot next door ID 4875-9-110.000. Location puts you close to the Grand Arts Center, SLU, the CWE biz district, City Foundry, Locust Business District, downtown and so much more.

18. 2024-03-03
    price $179,900 1007-char remark

    Show marketing remark (1007 chars)

    Charming 3-story brick home (w/2 lots) in the Central West End with tons of potential! Perfect for flippers, investors or anyone willing to put in some serious sweat equity. Home is livable but needs a major overhaul. Interior features (5) bedrooms and (3) full baths on three levels of living space. Main level has the kitchen, family room & dining room (currently being used as a 6th BR). Family and dining rooms are connected via pocket doors. There is a bathroom off the bedroom and another one off kitchen. 2nd level has (3) bedrooms, a hall bath and a bonus room that could be laundry and/or office. The 3rd level has two large bedrooms. Front and back original staircases, brick fireplace and other original woodwork still in place, just hard to see it all. Deck & partial driveway in back. Sale includes the vacant lot next door ID 4875-9-110.000. Location puts you close to the Grand Arts Center, SLU, the CWE biz district, City Foundry, Locust Business District, downtown and so much more.

19. 2024-01-14
    listed $199,900 Active 1007-char remark

    Show marketing remark (1007 chars)

    Charming 3-story brick home (w/2 lots) in the Central West End with tons of potential! Perfect for flippers, investors or anyone willing to put in some serious sweat equity. Home is livable but needs a major overhaul. Interior features (5) bedrooms and (3) full baths on three levels of living space. Main level has the kitchen, family room & dining room (currently being used as a 6th BR). Family and dining rooms are connected via pocket doors. There is a bathroom off the bedroom and another one off kitchen. 2nd level has (3) bedrooms, a hall bath and a bonus room that could be laundry and/or office. The 3rd level has two large bedrooms. Front and back original staircases, brick fireplace and other original woodwork still in place, just hard to see it all. Deck & partial driveway in back. Sale includes the vacant lot next door ID 4875-9-110.000. Location puts you close to the Grand Arts Center, SLU, the CWE biz district, City Foundry, Locust Business District, downtown and so much more.

ⓘ 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: $1,290 · $108/mo
• Projected year-2 tax: $2,230 · $186/mo
• Expected delta: +$940/yr (+$78/mo · 72.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 3/10 Moderate FEMA zone X (unshaded) · 20% 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: $35,688
• − Mortgage interest: −$12,878
• − Property taxes: −$1,290
• − Insurance: −$1,150
• − Repairs & maintenance: −$2,855
• − Management: −$2,855
• − Depreciation: −$6,688
• Taxable income: $7,973
• Est. tax owed @ 24.0%: −$1,913
• After-tax cash flow: $9,373/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): 21,336
• Household income: $55,147
• Rent vs Own: 73.3% rent · 26.7% own
• Severe rent burden: 2180.0

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 0.62)
• Race & ethnicity: White 54% Black 26% Asian 13% Hispanic / Latino 4% Two or more races 4%
• Common ancestry: Lithuanian 4% Romanian 3% Iranian 2%
• Foreign-born: 13% · China, Canada, South Korea
• Languages at home: 85% English-only · Chinese 3% Other Asian/Pacific 3% Spanish 3%

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: ▼ -111.22%
• Current HPI: 225.1081
• Rent YoY: ▲ 3.10%
• 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

+15.0% since first listed

19 events — show timeline

• 2026-04-04 Rental Removed $800 TURBOTENANT
• 2026-03-02 Listed for Rent $800 TURBOTENANT
• 2026-03-02 Rental Removed $800 TURBOTENANT
• 2026-02-21 Listed for Rent $800 TURBOTENANT
• 2026-02-16 Rental Removed $800 TURBOTENANT
• 2026-02-14 Listed for Rent $800 TURBOTENANT
• 2026-01-06 Pending — MARIS as Distributed by MLS Grid
• 2025-10-19 Price Changed $229,900 MARIS as Distributed by MLS Grid
• 2025-10-08 Price Changed $240,000 MARIS as Distributed by MLS Grid
• 2025-09-30 Price Changed $245,000 MARIS as Distributed by MLS Grid
• 2025-09-18 Price Changed $250,000 MARIS as Distributed by MLS Grid
• 2025-09-11 Price Changed $260,000 MARIS as Distributed by MLS Grid
• 2025-09-07 Price Changed $275,000 MARIS as Distributed by MLS Grid
• 2025-08-25 Listed $289,900 MARIS as Distributed by MLS Grid
• 2024-05-29 Sold (Public Records) $135,000 Public Records
• 2024-05-16 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-04-14 Pending — MARIS as Distributed by MLS Grid
• 2024-03-03 Price Changed $179,900 MARIS as Distributed by MLS Grid
• 2024-01-14 Listed $199,900 MARIS as Distributed by MLS Grid

Property tax history

+2.4%/yr

Latest (2024): $1,290 · +6.6% YoY. Source: county tax records.