4361 Enright Ave · St. Louis, MO 63108

$299,999

5 bd · 3.5 ba · 2,394 sqft · SingleFamily public records · 77 Days on market

Built 1892 Good condition 6,242 sqft lot $125/sqft · 9% above area Est $372k · 19% under

---

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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.2/10.0
• Condition / age +3.8/5.0
• Rent growth +3.3/5.0
• Livability +2.5/5.0
• Schools +0.5/10.0
• Appreciation +0.0/10.0

Listing remarks

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.

Key facts

• 6,242 sq ft lot
• Built 1892
• Listed 76 days

What this means for you Summary

Snapshot

• This is a 5-bed/3.5-bath single-family listed at $300k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $2k ($19k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $300k).
• Recommended offer: $282k (6.0% below list) — sets the bar for market timing.
• Cap rate 12.7% vs local median 4.9% 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.
• 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); Beaumont Cte High School (math 5% / reading 5%, grade F, #517 of 521 statewide, top 100%, 236 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); 206 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals lingering (median 37d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 67% 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 $2k of loan paydown is wiped out by about $9k 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 $84k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($282k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 9y ago; this cycle's ask has dropped $30k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $255k; 18% 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 $281,999 (6.0% below list)

Questions for the listing agent

1. It's been on market 77 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 1892 — 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: 1.42% ✓
• Cap rate: 12.68%
• Cash-on-cash: 22.83%
• DSCR: 2.02
• GRM: 5.9

CMA / ARV

• ARV (median comp): $372,284
• List price: $299,999
• Delta: -19.42%
• 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%)	10mo	$289,000	$120	86
4112 W Belle Pl	0.43mi	4/3.0 (-1)	2,378 (-1%)	3mo	$264,900	$111	69
4451 Washington Blvd	0.21mi	5/1.5	2,450 (+2%)	13mo	$184,900	$75	68
4438 Enright Ave	0.13mi	6/— (+1)	2,276 (-5%)	17mo	$79,900	$35	66
919 Pendleton Ave	0.11mi	4/2.5 (-1)	2,160 (-10%)	5mo	$174,900	$81	65
4459 Enright Ave	0.16mi	5/3.0	2,236 (-7%)	19mo	$269,900	$121	64
520 Whittier St	0.39mi	5/3.5	2,256 (-6%)	15mo	$300,000	$133	60
4508 Pershing Pl	0.56mi	4/3.0 (-1)	2,561 (+7%)	10mo	$800,000	$312	47
37 Lewis Pl	0.44mi	5/2.5	2,600 (+9%)	18mo	$264,900	$102	46
4431 Mcpherson Ave	0.39mi	5/2.5	2,713 (+13%)	14mo	$575,000	$212	44
743 N Euclid Ave	0.66mi	6/2.0 (+1)	2,730 (+14%)	1mo	$55,000	$20	34
4321 Maryland Ave	0.50mi	4/2.5 (-1)	2,700 (+13%)	17mo	$799,900	$296	32

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: 15.8%
• Equity multiple: 1.64×
• Total profit: $53,463
• Equity at exit: $44,731

10-year hold

• IRR: 24.5%
• Equity multiple: 3.13×
• Total profit: $178,850
• Equity at exit: $25,938

Cash invested: $84,000 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 12 active · 4 under contract
• Months of supply: 18.0 mo (6%/mo absorbed)
• Median asking: $317,500 ($133/sqft)
• Median days on market: 48 d
• This list price: 50% of active listings are priced below it
• ARV vs active asking: +16.5% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 63108

• Home prices YoY: -33.1%
• Rents YoY: 3.1%
• Active inventory: 206
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $4,252 medium
• Mortgage (P&I): −$1,573
• Tax from tax record: −$63 /mo · $755/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$893
• Net cashflow: $1,598

Break-even live

Break-even rent $2,229

Max offer price $299,999

Occupancy floor 57%

Sensitivity live

Price	-10% $1,768	-5% $1,683	+0% $1,598	+5% $1,513	+10% $1,428
Rent	-10% $1,262	-5% $1,430	+0% $1,598	+5% $1,766	+10% $1,934
Rate	-1.0pp $1,749	-0.5pp $1,674	base $1,598	+0.5pp $1,520	+1.0pp $1,441

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: $75,000
• Closing costs: $9,000
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 3 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	93d	1	0.43mi
5168 Enright Ave Saint Louis, MO	4.0	2.0	2142	$1,895	$0.88	37d	1	1.13mi
4125 Chouteau Ave Unit 1031870P St. Louis, MO	3.0–6.0	2.0–4.0	1592	$4,901	$3.08	9d	2	1.47mi

Property features AI

Finance

• Financial info: Tax information available (annual taxes reported)

Exterior

• Utilities: Public waterPublic sewerElectric service by AmerenElectricity connected
• Home design: Single-family residenceResidential propertyStone exteriorEntry level spans multiple stories
• Construction: Stone construction
• Exterior features: Back yardFront yardNear golf courseNear public transit

Interior

• Bedrooms: 5 bedrooms (all on upper level)
• Bathrooms: 3 full bathrooms1 half bathroom (main level)
• Heating & cooling: Natural gas heatingCentral air conditioningCeiling fansElectric cooling available
• Interior features: Unfinished basementThree or more levels

Listing history 50 events

1. 2026-08-08
   days on market $299,999 Active 77 DOM
2. 2026-08-07
   days on market $299,999 Active 76 DOM
3. 2026-08-06
   days on market $299,999 Active 75 DOM
4. 2026-08-05
   days on market $299,999 Active 74 DOM
5. 2026-08-04
   days on market $299,999 Active 73 DOM
6. 2026-08-03
   days on market $299,999 Active 72 DOM
7. 2026-07-31
   days on market $299,999 Active 69 DOM
8. 2026-07-30
   days on market $299,999 Active 68 DOM
9. 2026-07-30
   days on market $299,999 Active 67 DOM
10. 2026-07-28
    days on market $299,999 Active 66 DOM
11. 2026-07-26
    days on market $299,999 Active 64 DOM
12. 2026-07-24
    days on market $299,999 Active 62 DOM
13. 2026-07-23
    days on market $299,999 Active 61 DOM
14. 2026-07-22
    days on market $299,999 Active 60 DOM
15. 2026-07-21
    pricedays on market $299,999 Active 59 DOM
16. 2026-07-20
    days on market $319,900 Active 58 DOM
17. 2026-07-18
    days on market $319,900 Active 56 DOM
18. 2026-07-18
    days on market $319,900 Active 55 DOM
19. 2026-07-16
    days on market $319,900 Active 54 DOM
20. 2026-07-15
    days on market $319,900 Active 53 DOM
21. 2026-07-14
    days on market $319,900 Active 52 DOM
22. 2026-07-13
    days on market $319,900 Active 51 DOM
23. 2026-07-13
    days on market $319,900 Active 50 DOM
24. 2026-07-11
    days on market $319,900 Active 49 DOM
25. 2026-07-10
    days on market $319,900 Active 48 DOM
26. 2026-07-09
    days on market $319,900 Active 47 DOM
27. 2026-07-07
    days on market $319,900 Active 45 DOM
28. 2026-07-06
    days on market $319,900 Active 44 DOM
29. 2026-07-05
    days on market $319,900 Active 43 DOM
30. 2026-07-03
    days on market $319,900 Active 41 DOM
31. 2026-07-02
    days on market $319,900 Active 40 DOM
32. 2026-07-01
    days on market $319,900 Active 39 DOM
33. 2026-06-30
    days on market $319,900 Active 38 DOM
34. 2026-06-29
    days on market $319,900 Active 37 DOM
35. 2026-06-28
    days on market $319,900 Active 36 DOM
36. 2026-06-27
    days on market $319,900 Active 35 DOM
37. 2026-06-26
    days on market $319,900 Active 34 DOM
38. 2026-06-24
    days on market $319,900 Active 32 DOM
39. 2026-06-22
    days on market $319,900 Active 30 DOM
40. 2026-06-21
    days on market $319,900 Active 29 DOM
41. 2026-06-18
    days on market $319,900 Active 26 DOM
42. 2026-06-17
    pricedays on market $319,900 Active 25 DOM
43. 2026-05-01
    listed $329,999 Active 311-char remark
44. 2026-04-17
    historical $329,999 311-char remark
45. 2024-08-02
    historical $2,500
46. 2024-06-29
    historical
47. 2024-06-26
    price $2,500
48. 2024-06-14
    listed $2,750
49. 2024-05-23
    price $365,000
50. 2024-04-21
    price $379,900

ⓘ 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: $2,910 · $242/mo
• Expected delta: +$2,155/yr (+$180/mo · 285.2%)

ⓘ 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: $51,025
• − Mortgage interest: −$16,805
• − Property taxes: −$755
• − Insurance: −$1,500
• − Repairs & maintenance: −$4,082
• − Management: −$4,082
• − Depreciation: −$8,727
• Taxable income: $15,074
• Est. tax owed @ 24.0%: −$3,618
• After-tax cash flow: $15,558/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.

Condition & rehab AI · 3 photos

Good 75/100 Cosmetic rehab Est. rehab $11,970–$35,910 screening

This single-family home is in good condition with recent upgrades, including a new roof and French drain system. It is ready for a new owner or tenant with minor maintenance required.

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and value ↑
• Both Landscaping — Improves curb appeal and rental value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 5/100

Zoned Schools

Elementary Humboldt Acad Of Higher Lrning F MO #1,072/1,115 Nat'l #40,579/41,679 Middle Gateway Middle F MO #389/391 Nat'l #13,918/14,009 High Beaumont Cte High School F MO #517/521 Nat'l #16,861/17,239

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 · 315,737 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: 6% of renters

---

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

Property features AI

Finance

• Financial info: Tax information available (annual taxes reported)

Exterior

• Utilities: Public waterPublic sewerElectric service by AmerenElectricity connected
• Home design: Single-family residenceResidential propertyStone exteriorEntry level spans multiple stories
• Construction: Stone construction
• Exterior features: Back yardFront yardNear golf courseNear public transit

Interior

• Bedrooms: 5 bedrooms (all on upper level)
• Bathrooms: 3 full bathrooms1 half bathroom (main level)
• Heating & cooling: Natural gas heatingCentral air conditioningCeiling fansElectric cooling available
• Interior features: Unfinished basementThree or more levels

Price history

+1108.1% since first listed

31 events — show timeline

• 2026-06-17 Relisted — MARIS as Distributed by MLS Grid
• 2026-06-17 Price Changed $319,900 MARIS as Distributed by MLS Grid
• 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.