10205 Gourock Dr · Glasgow Village, MO 63137

$119,900

3 bd · 1.0 ba · 932 sqft · SingleFamily public records · 3 Days on market

Built 1958 5,641 sqft lot Est $102k · 18% over

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Why this score? — see what drove the D+ 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 +25.3/30.0
• DSCR +8.3/10.0
• 1% rule +6.4/10.0
• Rent growth +4.1/5.0
• Livability +2.8/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 10205 Gourock! Amazing value for 3 bedroom, 1 bath with a carport. Spacious open floor plan, gorgeous hardwood flooring in the bright & sunny living room and dining room combo. Updated kitchen includes ceramic flooring, double bowl stainless sink and all built in appliances, (microwave, dishwasher & refrigerator) stays. Breakfast counter for your convenience. Updated bath includes new vanity, new lighting, and new toilet. Entire house freshly painted, 2 inch wood window treatment stays. Extra living in finished walkout lower level with large picture windows to bring the sunshine in! Bedrooms include hardwood flooring and new ceiling fans. Updated landscaping and a fence yard.

Key facts

• Updated appliances
• Covered carport
• Ample cabinet space

Tags

• UPDATED APPLIANCES
• FENCED BACKYARD
• FINISHED WALKOUT LOWER LEVEL
• OPEN LIVING AND DINING AREA
• AMPLE CABINET SPACE
• COVERED CARPORT

Property features AI

Finance

• Financial info: Lease not considered

Exterior

• Parking: Has carport with 1 car space
• Utilities: Public water; Public sewer; Single phase electric service; Cable available; Electricity connected; Natural gas connected; Phone available; Sewer connected; Water connected
• Home design: Single-family residence (house); One level; Updated/remodeled condition
• Construction: Brick veneer and vinyl siding exterior
• Exterior features: Back yard; Front yard; Pie-shaped lot; Some trees

Interior

• Kitchen: Stainless steel appliances; Dishwasher; Microwave; Electric oven; Electric range; Refrigerator
• Bedrooms: Three bedrooms, all on the main level
• Flooring: Hardwood flooring; Laminate flooring
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans
• Interior features: Updated/remodeled interior; Partially finished basement with storage and walk-out access; Exterior entry to basement; Interior entry to basement
• Laundry & utility: Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $271 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Cap rate 9.0% vs local median 12.2% in Glasgow Village — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 55/100 on livability (#756 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: crime F, amenities F, commute 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.
• Zoned schools: Glasgow Elem. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 269 students, 99% FRL); Riverview Gardens Sr. High (math 2% / reading 18%, grade F, #501 of 521 statewide, top 97%, 1,331 students, 100% FRL).
• Market conditions: Rents rising fast (+6.6%/yr); 203 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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 ($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 $829 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $34k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 9y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $56k; list at $120k implies a 114% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — 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 $119,900

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 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?
4. 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?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 1.14% ✓
• Cap rate: 9.01%
• Cash-on-cash: 9.70%
• DSCR: 1.43
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $101,588
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10066 Dorothy Ave	0.23mi	2/1.0 (-1)	916 (-2%)	2mo	$99,900	$109	80
534 Alcove Ave	0.13mi	3/1.0	996 (+7%)	3mo	$104,200	$105	80
10301 Renfrew Dr	0.26mi	3/1.0	844 (-9%)	3mo	$110,000	$130	70
321 Caithness Rd	0.51mi	3/1.0	902 (-3%)	3mo	$47,700	$53	68
10555 Gourock Dr	0.49mi	3/2.0	918 (-2%)	3mo	$120,000	$131	68
10519 Renfrew Dr	0.46mi	3/1.5	982 (+5%)	2mo	$95,000	$97	66
10539 Renfrew Dr	0.50mi	3/1.0	854 (-8%)	2mo	$119,900	$140	61
10300 Ross Cir	0.73mi	3/1.0	980 (+5%)	1mo	$105,000	$107	57
363 Shepley Dr	0.59mi	3/1.0	854 (-8%)	3mo	$110,000	$129	56
10130 Newbold Dr	0.74mi	3/1.0	984 (+6%)	2mo	$144,900	$147	55
338 Lancashire Rd	0.47mi	3/1.0	1,063 (+14%)	0mo	$99,000	$93	54
240 Shepley Dr	0.74mi	3/1.0	854 (-8%)	3mo	$55,000	$64	49

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: 2.2%
• Equity multiple: 1.09×
• Total profit: $2,974
• Equity at exit: $17,877

10-year hold

• IRR: 15.0%
• Equity multiple: 2.41×
• Total profit: $47,469
• Equity at exit: $10,367

Cash invested: $33,572 (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: 203
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,366 high
• Mortgage (P&I): −$629
• Tax from tax record: −$129 /mo · $1,554/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$287
• Net cashflow: $271

Break-even live

Break-even rent $1,023

Max offer price $119,900

Occupancy floor 75%

Sensitivity live

Price	-10% $339	-5% $305	+0% $271	+5% $237	+10% $203
Rent	-10% $163	-5% $217	+0% $271	+5% $325	+10% $379
Rate	-1.0pp $332	-0.5pp $302	base $271	+0.5pp $240	+1.0pp $209

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	0d	1	0.02mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	45d	1	0.02mi
515 Topaz Ave Saint Louis, MO	3.0	2.0	912	$1,245	$1.37	0d	1	0.08mi
10213 Durness Dr Saint Louis, MO	2.0	1.0	932	$1,225	$1.31	45d	1	0.16mi
10401 Hobkirk Dr Saint Louis, MO	3.0	1.0	1050	$1,500	$1.43	19d	1	0.19mi
10027 Lilac Ave Saint Louis, MO	3.0	1.0	1008	$1,225	$1.22	0d	1	0.20mi
10066 Dorothy Ave Saint Louis, MO	2.0	1.0	916	$1,225	$1.34	23d	1	0.22mi
10327 Renfrew Dr Saint Louis, MO	3.0	1.0	844	$1,199	$1.42	45d	1	0.27mi
10309 Galloway Dr Saint Louis, MO	3.0	1.0	892	$1,270	$1.42	0d	1	0.33mi
743 Shepley Dr Saint Louis, MO	3.0	1.0	932	$1,025	$1.10	0d	1	0.34mi
743 Shepley Dr Saint Louis, MO	3.0	1.0	932	$1,025	$1.10	9d	1	0.34mi
255 Chambers Rd St. Louis, MO	2.0	1.0	700	$850	$1.21	45d	1	0.37mi
9943 Lilac Dr Saint Louis, MO	2.0	1.0	1086	$1,000	$0.92	45d	1	0.38mi
416 Crawford Rd Saint Louis, MO	3.0	1.0	844	$1,350	$1.60	0d	1	0.39mi
437 Lancashire Rd Saint Louis, MO	3.0	1.0	1082	$1,395	$1.29	45d	1	0.40mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,350	$1.50	45d	1	0.40mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,325	$1.47	25d	1	0.40mi
815 Bella Ln Saint Louis, MO	3.0	1.0	864	$1,275	$1.48	45d	1	0.42mi
10063 Northgate Dr Saint Louis, MO	2.0	1.0	1054	$1,200	$1.14	45d	1	0.44mi
9924 Gloucester Dr Saint Louis, MO	3.0	2.0	992	$1,565	$1.58	12d	1	0.44mi
10421 Gardo Ct Saint Louis, MO	3.0	2.0	1000	$1,395	$1.40	16d	1	0.45mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,295	$1.16	0d	1	0.45mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,350	$1.21	12d	1	0.45mi
10203 Trio Ln Saint Louis, MO	3.0	1.0	912	$1,435	$1.57	18d	1	0.45mi
345 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	0d	1	0.47mi
10519 Renfrew Dr Saint Louis, MO	3.0	1.5	982	$1,399	$1.42	45d	1	0.47mi
10019 Northgate Dr Saint Louis, MO	3.0	1.0	991	$1,150	$1.16	23d	1	0.47mi
10524 Durness Dr Saint Louis, MO	3.0	1.0	1000	$1,250	$1.25	45d	1	0.47mi
457 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	25d	1	0.47mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	13d	1	0.51mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,540	$1.80	45d	1	0.51mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	0d	1	0.51mi
312 Banff Cir Saint Louis, MO	3.0	1.0	854	$1,175	$1.38	25d	1	0.54mi
305 Lancashire Rd Saint Louis, MO	3.0	1.0	854	$1,100	$1.29	19d	1	0.55mi
317 Cameron Rd Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	25d	1	0.55mi
301 Estridge Rd Saint Louis, MO	3.0	1.0	981	$1,450	$1.48	0d	1	0.58mi
329 Midlothian Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	0d	1	0.58mi
329 Midlothian Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	4d	1	0.58mi
409 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,095	$1.28	6d	1	0.58mi
409 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,095	$1.28	0d	1	0.58mi

Listing history 3 events

1. 2026-06-21
   days on market $119,900 Active 3 DOM
2. 2026-06-19
   remarks 699-char remark
3. 2026-06-19
   listed $119,900 Active 1 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: $1,554 · $129/mo
• Projected year-2 tax: $1,554 · $129/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: $16,398
• − Mortgage interest: −$6,716
• − Property taxes: −$1,554
• − Insurance: −$600
• − Repairs & maintenance: −$1,312
• − Management: −$1,312
• − Depreciation: −$3,488
• Taxable income: $1,417
• Est. tax owed @ 24.0%: −$340
• After-tax cash flow: $2,916/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 — Glasgow Village

• Score: 55/100
• State rank: #756
• US rank: #23451

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Glasgow Village, 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

+54.7% since first listed

15 events — show timeline

• 2026-06-18 Listed $119,900 MARIS as Distributed by MLS Grid
• 2018-03-02 Sold (Public Records) $56,000 Public Records
• 2018-02-28 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2018-01-27 Pending — MARIS as Distributed by MLS Grid
• 2018-01-09 Price Changed $56,000 MARIS as Distributed by MLS Grid
• 2017-12-04 Listed $60,000 MARIS as Distributed by MLS Grid
• 2017-09-29 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2017-08-09 Pending — MARIS as Distributed by MLS Grid
• 2017-07-20 Relisted — MARIS as Distributed by MLS Grid
• 2017-07-20 Pending — MARIS as Distributed by MLS Grid
• 2017-07-19 Relisted — MARIS as Distributed by MLS Grid
• 2017-07-14 Delisted — MARIS as Distributed by MLS Grid
• 2017-07-05 Listed $24,500 MARIS as Distributed by MLS Grid
• 2005-04-05 Sold (Public Records) $77,500 Public Records
• 2000-10-04 Sold (Public Records) — Public Records

Property tax history

+6.4%/yr

Latest (2022): $1,554 · +1.0% YoY. Source: county tax records.