4361 Enright Ave · St. Louis, MO 63108

$319,900

5 bd · 3.5 ba · 2,394 sqft · SingleFamily public records · 29 Days on market

Built 1892 6,242 sqft lot $134/sqft · 18% above area Est $369k · 13% under

---

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 +24.8/30.0
• ARV discount +13.5/15.0
• DSCR +8.0/10.0
• 1% rule +5.1/10.0
• 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

Laundry area conveniently located on the second level, including washer and dryer. Recent upgrades throughout the home include: new roof new French drain system in the basement new doors and windows in the rear room. new garbage disposal new water heaters, updated furnace on the third floor. Updated kitchen

Key facts

• 6,242 sq ft lot
• Built 1892
• Listed 28 days

What this means for you Summary

Snapshot

• This is a 5-bed/3.5-bath single-family listed at $320k.

Deal economics

• At list price, monthly cash flow is $679 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $320k).
• Recommended offer: $315k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.8% 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.
• 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).
• At $3,232/mo this rent would consume 70% of the median local household income ($55k/yr) (locally 2180% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 6 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 $255k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1892 — 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 $315,101 (1.5% below list)

Questions for the listing agent

1. Built in 1892 — 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. 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.
4. 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.
5. 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: 1.01% ✓
• Cap rate: 8.84%
• Cash-on-cash: 9.10%
• DSCR: 1.40
• GRM: 8.2

CMA / ARV

• ARV (median comp): $369,335
• List price: $319,900
• Delta: -13.38%
• 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
4357 Enright Ave	0.01mi	4/3.5 (-1)	2,400 (+0%)	9mo	$289,000	$120	87
4112 W Belle Pl	0.43mi	4/3.0 (-1)	2,378 (-1%)	2mo	$264,900	$111	70
4451 Washington Blvd	0.21mi	5/1.5	2,450 (+2%)	11mo	$184,900	$75	69
4438 Enright Ave	0.13mi	6/— (+1)	2,276 (-5%)	16mo	$79,900	$35	68
919 Pendleton Ave	0.11mi	4/2.5 (-1)	2,160 (-10%)	4mo	$174,900	$81	66
4459 Enright Ave	0.16mi	5/3.0	2,236 (-7%)	17mo	$269,900	$121	65
520 Whittier St	0.39mi	5/3.5	2,256 (-6%)	13mo	$300,000	$133	61
4508 Pershing Pl	0.56mi	4/3.0 (-1)	2,561 (+7%)	9mo	$800,000	$312	48
37 Lewis Pl	0.44mi	5/2.5	2,600 (+9%)	17mo	$264,900	$102	47
4431 Mcpherson Ave	0.39mi	5/2.5	2,713 (+13%)	13mo	$575,000	$212	45
4321 Maryland Ave	0.50mi	4/2.5 (-1)	2,700 (+13%)	15mo	$799,900	$296	34
4558 Cote Brilliante Ave	0.71mi	5/2.0	2,116 (-12%)	23mo	$120,000	$57	22

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: -2.5%
• Equity multiple: 0.91×
• Total profit: $-8,413
• Equity at exit: $47,698

10-year hold

• IRR: 7.3%
• Equity multiple: 1.55×
• Total profit: $49,070
• Equity at exit: $27,659

Cash invested: $89,572 (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 63108

• Home prices YoY: -33.1%
• Rents YoY: 3.1%
• Active inventory: 153
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $3,232 medium
• Mortgage (P&I): −$1,678
• Tax from tax record: −$63 /mo · $755/yr
• Insurance: −$133
• HOA: −$0
• Vacancy / Maint / Mgmt: −$679
• Net cashflow: $679

Break-even live

Break-even rent $2,372

Max offer price $319,900

Occupancy floor 74%

Sensitivity live

Price	-10% $860	-5% $770	+0% $679	+5% $589	+10% $498
Rent	-10% $424	-5% $552	+0% $679	+5% $807	+10% $934
Rate	-1.0pp $840	-0.5pp $761	base $679	+0.5pp $596	+1.0pp $512

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: $79,975
• Closing costs: $9,597
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4388 McPherson Ave Saint Louis, MO	6.0	2.5	2698	$5,950	$2.21	44d	1	0.43mi

Listing history 32 events

1. 2026-06-21
   days on market $319,900 Active 29 DOM
2. 2026-06-18
   days on market $319,900 Active 26 DOM
3. 2026-06-17
   pricedays on market $319,900 Active 25 DOM
4. 2026-05-01
   listed $329,999 Active 311-char remark

   Show marketing remark (311 chars)

   Laundry area conveniently located on the second level, including washer and dryer. Recent upgrades throughout the home include: new roof new French drain system in the basement new doors and windows in the rear room. new garbage disposal new water heaters, updated furnace on the third floor. Updated kitchen

5. 2026-04-17
   historical $329,999 311-char remark

   Show marketing remark (311 chars)

   Laundry area conveniently located on the second level, including washer and dryer. Recent upgrades throughout the home include: new roof new French drain system in the basement new doors and windows in the rear room. new garbage disposal new water heaters, updated furnace on the third floor. Updated kitchen

6. 2024-08-02
   historical $2,500
7. 2024-06-29
   historical
8. 2024-06-26
   price $2,500
9. 2024-06-14
   listed $2,750
10. 2024-05-23
    price $365,000
11. 2024-04-21
    price $379,900
12. 2024-03-22
    listed $385,000 Active
13. 2024-03-18
    historical
14. 2023-07-12
    historical
15. 2023-06-23
    listed $400,000 Active
16. 2023-06-16
    historical
17. 2023-06-08
    listed $400,000 Active
18. 2023-06-06
    historical
19. 2017-08-23
    soldstatus $255,000
20. 2017-08-21
    soldstatus Closed
21. 2017-06-18
    status Pending
22. 2017-06-08
    historical Option
23. 2017-05-25
    price $255,000
24. 2017-04-21
    price $265,000
25. 2017-03-30
    listed $275,000 Active
26. 2002-09-10
    soldstatus
27. 2002-09-10
    soldstatus
28. 1997-01-24
    soldstatus
29. 1997-01-01
    soldstatus
30. 1994-05-03
    soldstatus $3,000
31. 1994-03-31
    soldstatus $30,835
32. 1992-07-23
    soldstatus $26,480

ⓘ 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: $755 · $63/mo
• Projected year-2 tax: $3,103 · $259/mo
• Expected delta: +$2,348/yr (+$196/mo · 310.7%)

ⓘ 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: $38,780
• − Mortgage interest: −$17,919
• − Property taxes: −$755
• − Insurance: −$1,600
• − Repairs & maintenance: −$3,102
• − Management: −$3,102
• − Depreciation: −$9,306
• Taxable income: $2,995
• Est. tax owed @ 24.0%: −$719
• After-tax cash flow: $7,431/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

+1146.2% since first listed

29 events — show timeline

• 2026-05-01 Listed $329,999 MARIS as Distributed by MLS Grid
• 2026-04-17 Coming Soon $329,999 MARIS as Distributed by MLS Grid
• 2024-08-02 Rental Removed $2,500 MARIS
• 2024-06-29 Delisted — MARIS as Distributed by MLS Grid
• 2024-06-26 Price Changed $2,500 MARIS
• 2024-06-14 Listed for Rent $2,750 MARIS
• 2024-05-23 Price Changed $365,000 MARIS as Distributed by MLS Grid
• 2024-04-21 Price Changed $379,900 MARIS as Distributed by MLS Grid
• 2024-03-22 Listed $385,000 MARIS as Distributed by MLS Grid
• 2024-03-18 Coming Soon — MARIS as Distributed by MLS Grid
• 2023-07-12 Delisted — MARIS as Distributed by MLS Grid
• 2023-06-23 Listed $400,000 MARIS as Distributed by MLS Grid
• 2023-06-16 Delisted — MARIS as Distributed by MLS Grid
• 2023-06-08 Listed $400,000 MARIS as Distributed by MLS Grid
• 2023-06-06 Coming Soon — MARIS as Distributed by MLS Grid
• 2017-08-23 Sold (Public Records) $255,000 Public Records
• 2017-08-21 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2017-06-18 Pending — MARIS as Distributed by MLS Grid
• 2017-06-08 Contingent — MARIS as Distributed by MLS Grid
• 2017-05-25 Price Changed $255,000 MARIS as Distributed by MLS Grid
• 2017-04-21 Price Changed $265,000 MARIS as Distributed by MLS Grid
• 2017-03-30 Listed $275,000 MARIS as Distributed by MLS Grid
• 2002-09-10 Sold (Public Records) — Public Records
• 2002-09-10 Sold (Public Records) — Public Records
• 1997-01-24 Sold (Public Records) — Public Records
• 1997-01-01 Sold (Public Records) — Public Records
• 1994-05-03 Sold (Public Records) $3,000 Public Records
• 1994-03-31 Sold (Public Records) $30,835 Public Records
• 1992-07-23 Sold (Public Records) $26,480 Public Records

Property tax history

+3.5%/yr

Latest (2024): $755 · +5.0% YoY. Source: county tax records.