10139 Edgefield Dr · Castle Point, MO 63136

$119,900

3 bd · 2.0 ba · 1,140 sqft · SingleFamily public records · 22 Days on market

Built 1958 5,998 sqft lot Est $137k · 12% under $6/mo HOA

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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 +20.2/30.0
• ARV discount +13.1/15.0
• Appreciation +6.9/10.0
• DSCR +6.4/10.0
• 1% rule +5.8/10.0
• Rent growth +3.7/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0

Listing remarks MLS

Great for Family! Enter the house from the 2 car garage to find 3 bedrooms, 2 baths, bright & airy main floor family room, gleaming hardwood floors, formal living room and dining room, eat-in kitchen, dishwasher, disposal, gas cook top, wall oven. Refrigerator, washer & dryer stay. Newer insulated windows, master bedroom w/full bath easily accommodates king size furniture. Entertain in the lower level rec room where there's lots of storage space, plus large walk-in closet. Full house Back-up Generator. Relax & barbecue on the patio in the fenced back yard. Large storage shed for lawn supplies.

Key facts

• Bright living space
• Modern appliances
• Ample closet space

Tags

• SINGLE STORY HOME
• BRIGHT LIVING SPACE
• BEAUTIFULLY MAINTAINED FLOORS
• MODERN APPLIANCES
• AMPLE CLOSET SPACE
• STYLISHLY UPDATED BATHS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $120k.

Deal economics

• At list price, monthly cash flow is $151 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $120k).
• Recommended offer: $118k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 13.0% in Castle Point — 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 64/100 on livability (#313 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, crime B; Watch: amenities F, commute F, employment 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: Moline Elem. (math 2% / reading 12%, grade F, #1,058 of 1,115 statewide, top 96%, 295 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 (+5.0%/yr); 372 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 $5k of equity ($829 loan paydown + $5k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $34k cash investment doubles in ~5 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y 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.

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 $118,101 (1.5% below list)

Questions for the listing agent

1. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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: 1.08% ✓
• Cap rate: 7.81%
• Cash-on-cash: 5.41%
• DSCR: 1.24
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $136,800
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10139 Edgefield Dr	0.00mi	3/2.0	1,140 (0%)	0mo	$119,900	$105	100
10217 Viscount Dr	0.09mi	3/2.0	1,205 (+6%)	2mo	$149,000	$124	85
10231 Monarch Dr	0.11mi	3/2.0	1,073 (-6%)	1mo	$189,999	$177	84
10127 Monarch Dr	0.06mi	3/1.5	1,015 (-11%)	1mo	$155,000	$153	76
2360 Chambers Rd	0.41mi	2/1.0 (-1)	1,168 (+2%)	1mo	$44,900	$38	67
10129 Ventura Dr	0.51mi	3/2.0	1,055 (-8%)	2mo	$129,900	$123	62
2225 Kerwin Dr	0.73mi	3/1.0	1,135 (-0%)	2mo	$135,900	$120	60
9850 Monarch Dr	0.43mi	3/2.0	1,014 (-11%)	2mo	$99,900	$99	60
10417 Prince Dr	0.57mi	3/1.5	1,040 (-9%)	2mo	$120,000	$115	55
2442 Gardner Dr	0.66mi	3/2.0	1,054 (-8%)	2mo	$59,900	$57	55
10257 Dacey Dr	0.71mi	3/1.5	1,014 (-11%)	2mo	$120,000	$118	44
10269 Dacey Dr	0.74mi	4/1.0 (+1)	1,014 (-11%)	1mo	$169,000	$167	38

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: 15.7%
• Equity multiple: 1.95×
• Total profit: $31,832
• Equity at exit: $59,325

10-year hold

• IRR: 17.8%
• Equity multiple: 3.92×
• Total profit: $97,963
• Equity at exit: $95,880

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 63136

• Home prices YoY: 0.9%
• Rents YoY: 5.0%
• Active inventory: 372
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,297 high
• Mortgage (P&I): −$629
• Tax from tax record: −$188 /mo · $2,260/yr
• Insurance: −$50
• HOA: −$6
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $151

Break-even live

Break-even rent $1,105

Max offer price $119,900

Occupancy floor 83%

Sensitivity live

Price	-10% $219	-5% $185	+0% $151	+5% $117	+10% $83
Rent	-10% $49	-5% $100	+0% $151	+5% $202	+10% $254
Rate	-1.0pp $212	-0.5pp $182	base $151	+0.5pp $120	+1.0pp $89

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
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	44d	1	0.18mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	8d	1	0.21mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	24d	1	0.24mi
2257 Chambers Rd Saint Louis, MO	3.0	1.0	1200	$1,400	$1.17	24d	1	0.32mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	24d	1	0.35mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	44d	1	0.35mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	22d	1	0.37mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	2d	1	0.37mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	44d	1	0.40mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	24d	1	0.40mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	4d	1	0.44mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	24d	1	0.46mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	8d	1	0.48mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	15d	1	0.52mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	44d	1	0.54mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	24d	1	0.54mi
10501 Duke Dr Saint Louis, MO	2.0	1.0	1140	$1,090	$0.96	44d	1	0.57mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	24d	1	0.58mi
10441 Prince Dr Saint Louis, MO	4.0	1.5	1380	$1,380	$1.00	44d	1	0.61mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	8d	1	0.61mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	22d	1	0.63mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	3d	1	0.66mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	24d	1	0.69mi
62 Capitol Hill Dr Saint Louis, MO	3.0	2.0	1239	$1,250	$1.01	44d	1	0.71mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	44d	1	0.72mi
1926 Chambers Rd Saint Louis, MO	4.0	1.0	1095	$995	$0.91	15d	1	0.77mi
10557 Castle Dr Saint Louis, MO	3.0	2.0	1023	$1,300	$1.27	15d	1	0.78mi
2259 Ainsworth Dr Saint Louis, MO	4.0	2.0	1500	$1,776	$1.18	44d	1	0.81mi
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	24d	1	0.81mi
1520 Attica Dr Saint Louis, MO	2.0	1.0	1062	$1,200	$1.13	24d	1	0.82mi
9723 Portage Dr Saint Louis, MO	3.0	1.0	1014	$1,450	$1.43	8d	1	0.85mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	8d	1	0.88mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	44d	1	0.89mi
2152 Nemnich Rd Saint Louis, MO	2.0	1.5	1030	$1,100	$1.07	44d	1	0.90mi
9908 Norbridge Ln Saint Louis, MO	2.0	2.0	1240	$1,650	$1.33	20d	1	0.91mi
9812 Balboa Dr Saint Louis, MO	4.0	2.0	1500	$1,495	$1.00	22d	1	0.93mi
2257 Luxmore Dr Saint Louis, MO	3.0	3.0	1073	$1,495	$1.39	24d	1	1.00mi
10304 Bon Oak Dr Saint Louis, MO	3.0	1.5	1500	$1,250	$0.83	44d	1	1.01mi
9709 Balboa Dr Saint Louis, MO	3.0	1.0	1000	$1,600	$1.60	44d	1	1.02mi
1255 Bosworth Dr Saint Louis, MO	3.0	1.0	1071	$1,575	$1.47	11d	1	1.13mi

HOA detail

• Monthly dues: $6 · $72/yr
• Likely covers: gas

Listing history 9 events

1. 2026-04-10
   status Pending
2. 2026-03-20
   listed $119,900 Active
3. 2026-03-19
   historical
4. 2026-03-19
   listed $119,900 Active
5. 2018-11-21
   soldstatus $1,152,000
6. 2018-10-05
   soldstatus $65,000
7. 2018-10-02
   soldstatus Closed 618-char remark

   Show marketing remark (618 chars)

   Great for Family! Enter the house from the 2 car garage to find 3 bedrooms, 2 baths, bright & airy main floor family room, gleaming hardwood floors, formal living room and dining room, eat-in kitchen, dishwasher, disposal, gas cook top, wall oven. Refrigerator, washer & dryer stay. Newer insulated windows, master bedroom w/full bath easily accommodates king size furniture. Entertain in the lower level rec room where there's lots of storage space, plus large walk-in closet. Full house Back-up Generator. Relax & barbecue on the patio in the fenced back yard. Large storage shed for lawn supplies.

8. 2018-08-21
   status Pending 618-char remark

   Show marketing remark (618 chars)

   Great for Family! Enter the house from the 2 car garage to find 3 bedrooms, 2 baths, bright & airy main floor family room, gleaming hardwood floors, formal living room and dining room, eat-in kitchen, dishwasher, disposal, gas cook top, wall oven. Refrigerator, washer & dryer stay. Newer insulated windows, master bedroom w/full bath easily accommodates king size furniture. Entertain in the lower level rec room where there's lots of storage space, plus large walk-in closet. Full house Back-up Generator. Relax & barbecue on the patio in the fenced back yard. Large storage shed for lawn supplies.

9. 2018-08-03
   listed $69,900 Active 618-char remark

   Show marketing remark (618 chars)

   Great for Family! Enter the house from the 2 car garage to find 3 bedrooms, 2 baths, bright & airy main floor family room, gleaming hardwood floors, formal living room and dining room, eat-in kitchen, dishwasher, disposal, gas cook top, wall oven. Refrigerator, washer & dryer stay. Newer insulated windows, master bedroom w/full bath easily accommodates king size furniture. Entertain in the lower level rec room where there's lots of storage space, plus large walk-in closet. Full house Back-up Generator. Relax & barbecue on the patio in the fenced back yard. Large storage shed for lawn supplies.

ⓘ 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: $2,260 · $188/mo
• Projected year-2 tax: $2,260 · $188/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 4/10 Moderate FEMA zone X (unshaded) · 22% 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 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,559
• − Mortgage interest: −$6,716
• − Property taxes: −$2,260
• − Insurance: −$600
• − Repairs & maintenance: −$1,245
• − Management: −$1,245
• − HOA: −$72
• − Depreciation: −$3,488
• Taxable loss: −$66
• Est. tax savings @ 24.0%: +$16
• After-tax cash flow: $1,831/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 — Castle Point

• Score: 64/100
• State rank: #313
• US rank: #14373

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Castle Point, 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

+71.5% since first listed

9 events — show timeline

• 2026-04-10 Pending — MARIS as Distributed by MLS Grid
• 2026-03-20 Listed $119,900 MARIS as Distributed by MLS Grid
• 2026-03-19 Coming Soon — MARIS as Distributed by MLS Grid
• 2026-03-19 Listed $119,900 MARIS as Distributed by MLS Grid
• 2018-11-21 Sold (Public Records) $1,152,000 Public Records
• 2018-10-05 Sold (Public Records) $65,000 Public Records
• 2018-10-02 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2018-08-21 Pending — MARIS as Distributed by MLS Grid
• 2018-08-03 Listed $69,900 MARIS as Distributed by MLS Grid

Property tax history

+7.8%/yr

Latest (2022): $2,260 · +0.4% YoY. Source: county tax records.