4605 Ray Ave · St. Louis, MO 63116

$159,900

4 bd · 2.0 ba · 1,608 sqft · SingleFamily public records · 62 Days on market

Built 1894 7,980 sqft lot $99/sqft · 13% below area Est $183k · 13% under

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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 +24.2/30.0
• ARV discount +13.2/15.0
• DSCR +7.8/10.0
• 1% rule +5.5/10.0
• Rent growth +3.2/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

Key facts

• 7,980 sq ft lot
• Parking
• Built 1894

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $318 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $150k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.7% 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 (+2.6%/yr); 255 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 41% 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).
• This rent runs 33% of the median local income ($61k/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 $1k of loan paydown is wiped out by about $5k 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 62 days — a 6% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 11y ago; this cycle's ask has dropped $30k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1894 — 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 $150,306 (6.0% below list)

Questions for the listing agent

1. It's been on market 62 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 1894 — 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: 1.05% ✓
• Cap rate: 8.68%
• Cash-on-cash: 8.52%
• DSCR: 1.38
• GRM: 7.9

CMA / ARV

• ARV (median comp): $183,309
• List price: $159,900
• Delta: -12.77%
• 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
4250 Ellenwood Ave	0.32mi	4/2.0	1,650 (+3%)	2mo	$219,000	$133	78
4009 Delor St	0.26mi	3/2.0 (-1)	1,649 (+2%)	4mo	$279,900	$170	75
3910 Walsh St	0.48mi	3/2.0 (-1)	1,613 (+0%)	4mo	$235,000	$146	69
4208 Beethoven Ave	0.37mi	5/2.0 (+1)	1,521 (-5%)	2mo	$195,000	$128	67
4010 Schiller Pl	0.49mi	4/2.0	1,681 (+4%)	5mo	$205,000	$122	65
4252 Gertrude Ave	0.54mi	4/2.0	1,730 (+8%)	1mo	$289,900	$168	62
3892 Kingsland Ct	0.50mi	3/1.0 (-1)	1,700 (+6%)	3mo	$224,900	$132	56
4333 Neosho St	0.43mi	3/1.5 (-1)	1,488 (-8%)	7mo	$205,000	$138	55
4044 Walsh St	0.36mi	3/2.0 (-1)	1,384 (-14%)	2mo	$244,900	$177	53
4314 Ellenwood Ave	0.41mi	3/1.5 (-1)	1,415 (-12%)	2mo	$219,900	$155	53
4240 Ellenwood Ave	0.30mi	3/1.5 (-1)	1,370 (-15%)	6mo	$175,000	$128	49
4621 Delor St	0.70mi	3/1.5 (-1)	1,378 (-14%)	6mo	$232,500	$169	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 · 2.62% rent growth · sell at horizon

5-year hold

• IRR: -3.8%
• Equity multiple: 0.86×
• Total profit: $-6,347
• Equity at exit: $23,842

10-year hold

• IRR: 5.5%
• Equity multiple: 1.40×
• Total profit: $17,788
• Equity at exit: $13,825

Cash invested: $44,772 (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 63116

• Rents YoY: 2.6%
• Active inventory: 255
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,676 high
• Mortgage (P&I): −$839
• Tax from tax record: −$101 /mo · $1,215/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$352
• Net cashflow: $318

Break-even live

Break-even rent $1,274

Max offer price $159,900

Occupancy floor 76%

Sensitivity live

Price	-10% $408	-5% $363	+0% $318	+5% $272	+10% $227
Rent	-10% $185	-5% $252	+0% $318	+5% $384	+10% $450
Rate	-1.0pp $398	-0.5pp $358	base $318	+0.5pp $276	+1.0pp $234

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4222 S 38th St Unit 4222 St. Louis, MO	3.0	2.0	1836	$1,400	$0.76	21d	1	0.69mi
3635 Marceline Ter Unit 2ND St. Louis, MO	3.0	1.0	1250	$1,275	$1.02	44d	1	0.73mi
5970 Wanda Ave Saint Louis, MO	4.0	2.0	1282	$1,995	$1.56	18d	1	0.76mi
5006 Christy Blvd Unit 1st Fl St. Louis, MO	3.0	1.0	1100	$1,450	$1.32	44d	1	0.83mi
3637 Meramec St Saint Louis, MO	3.0	1.5	1632	$1,925	$1.18	18d	1	0.84mi
5836 Goener Ave Unit 2F St. Louis, MO	3.0	1.0	1250	$1,500	$1.20	44d	1	0.86mi
4005 S Grand Blvd Saint Louis, MO	4.0	1.0	1323	$1,150	$0.87	17d	1	0.87mi
4217 S Grand Blvd Unit 1 St. Louis, MO	3.0	1.0	1250	$1,400	$1.12	4d	1	0.88mi
3526 S Spring Ave Saint Louis, MO	4.0	2.0	2244	$2,877	$1.28	44d	1	1.08mi
5046 Winona Ave Unit B St. Louis, MO	3.0	1.0	1057	$1,650	$1.56	20d	1	1.12mi
5616 S Kingshighway Blvd Saint Louis, MO	3.0	2.0	1400	$1,830	$1.31	2d	1	1.13mi
4145 S Compton Ave Saint Louis, MO	3.0	2.0	1656	$1,520	$0.92	44d	1	1.14mi
4135 S Compton Ave Saint Louis, MO	3.0	2.0	2104	$1,600	$0.76	44d	1	1.14mi
3908 McDonald Ave Saint Louis, MO	3.0	2.0	1927	$2,500	$1.30	5d	1	1.15mi
3458 Giles Ave Saint Louis, MO	3.0	2.5	2204	$2,400	$1.09	8d	1	1.20mi
4114 Alma Ave Saint Louis, MO	3.0	1.5	1269	$2,065	$1.63	2d	1	1.23mi
3243 Delor St Unit 3243 St. Louis, MO	3.0	1.0	1100	$1,250	$1.14	22d	1	1.25mi
3146 Keokuk St Saint Louis, MO	3.0	1.0	1528	$1,500	$0.98	24d	1	1.26mi
4127 Minnesota Ave Unit 2F St. Louis, MO	3.0	1.0	1155	$1,200	$1.04	44d	1	1.27mi
4127 Minnesota Ave Unit 1F St. Louis, MO	3.0	1.0	1155	$1,200	$1.04	44d	1	1.27mi
3131 Keokuk St #3131 Saint Louis, MO	3.0	2.0	1500	$1,475	$0.98	15d	1	1.29mi
5185 Goethe Ave Fl 1 St. Louis, MO	3.0	2.0	1858	$2,240	$1.21	44d	1	1.31mi
4450 Pennsylvania Ave Saint Louis, MO	3.0	1.0	1500	$1,100	$0.73	5d	1	1.38mi
3411 Cherokee St St. Louis, MO	4.0	2.0	1568	$1,850	$1.18	44d	1	1.47mi
4312 Oregon Ave Saint Louis, MO	4.0	2.0	2032	$2,000	$0.98	2d	1	1.48mi
3628 Wyoming St Unit 2F St. Louis, MO	4.0	1.0	1700	$1,950	$1.15	44d	1	1.50mi
3540 Michigan Ave Saint Louis, MO	4.0	2.0	1758	$1,800	$1.02	2d	1	1.50mi

Listing history 35 events

1. 2026-06-18
   days on market $159,900 Active 62 DOM
2. 2026-06-17
   days on market $159,900 Active 61 DOM
3. 2026-06-16
   days on market $159,900 Active 60 DOM
4. 2026-06-15
   days on market $159,900 Active 59 DOM
5. 2026-06-13
   days on market $159,900 Active 57 DOM
6. 2026-06-09
   days on market $159,900 Active 53 DOM
7. 2026-06-08
   days on market $159,900 Active 52 DOM
8. 2026-06-07
   days on market $159,900 Active 51 DOM
9. 2026-06-05
   days on market $159,900 Active 48 DOM
10. 2026-06-03
    days on market $159,900 Active 47 DOM
11. 2026-06-02
    days on market $159,900 Active 46 DOM
12. 2026-06-02
    price $159,900 Active 45 DOM
13. 2026-06-01
    days on market $169,900 Active 45 DOM
14. 2026-05-31
    days on market $169,900 Active 44 DOM
15. 2026-05-17
    status Active 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

16. 2026-05-17
    price $169,900 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

17. 2026-05-05
    status Pending 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

18. 2026-04-29
    price $184,900 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

19. 2026-04-06
    listed $189,900 Active 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

20. 2026-04-03
    historical $189,900 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

21. 2026-04-03
    listed $189,900 Active 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

22. 2026-04-02
    historical $189,900 1128-char remark

    Show marketing remark (1128 chars)

    Spacious and versatile 4 bed, 2 bath home in St. Louis City offering 1,600+ sq ft of living space with strong income potential. Originally a duplex, this property has been converted to a single-family home but can easily be converted back, making it an ideal opportunity for investors or owner-occupants looking to house hack. Inside, you’ll find generously sized rooms, a functional layout, and plenty of natural light throughout. The primary bedroom features a walk-in closet, and the home offers flexible living spaces that can accommodate a variety of needs. The kitchen provides ample cabinet space and opens into a large dining area, perfect for everyday living. Upstairs includes additional bedrooms and living space, giving the home a true multi-level feel with room to spread out. Whether you’re looking to create separate units or enjoy it as a single-family residence, the layout supports both options. Conveniently located with easy access to major roads, shopping, and local amenities. Property is being sold as-is. Priced to sell—don’t miss this opportunity to add value and build equity.

23. 2021-02-11
    soldstatus $159,000
24. 2021-02-02
    soldstatus Closed 998-char remark

    Show marketing remark (998 chars)

    Welcome to an amazing HUGE 2-family converted to a single family-ideally for a large family. The large covered front porch invites you to the open large living room. Enjoy the spacious kitchen with friends/family! Tall ceilings throughout the house! So many rooms in this house to be used as bedrooms, office, playrooms, etc. One of the 2 kitchens is now a main floor laundry room. The home features newer vinyl windows throughout, 2 newer air conditioner systems installed 2015, 2 newer furnaces 2 years old, new water heater, some updated plumbing, updated electric panel, newer carpet by Home Depot, fresh paint, updated flooring in the bathrooms and rear porch, and updated some light fixtures. Recent updates include a new roof on the left side in the fall of 2020, some water pipes, and fresh paint on the basement flooring. All appliances stay as-is. Level fenced yard and off-street parking on a parking pad is a plus. Great opportunity for a big family to find their future home. Must see!

25. 2020-12-27
    status Pending 998-char remark

    Show marketing remark (998 chars)

    Welcome to an amazing HUGE 2-family converted to a single family-ideally for a large family. The large covered front porch invites you to the open large living room. Enjoy the spacious kitchen with friends/family! Tall ceilings throughout the house! So many rooms in this house to be used as bedrooms, office, playrooms, etc. One of the 2 kitchens is now a main floor laundry room. The home features newer vinyl windows throughout, 2 newer air conditioner systems installed 2015, 2 newer furnaces 2 years old, new water heater, some updated plumbing, updated electric panel, newer carpet by Home Depot, fresh paint, updated flooring in the bathrooms and rear porch, and updated some light fixtures. Recent updates include a new roof on the left side in the fall of 2020, some water pipes, and fresh paint on the basement flooring. All appliances stay as-is. Level fenced yard and off-street parking on a parking pad is a plus. Great opportunity for a big family to find their future home. Must see!

26. 2020-12-24
    listed $145,000 Active 998-char remark

    Show marketing remark (998 chars)

    Welcome to an amazing HUGE 2-family converted to a single family-ideally for a large family. The large covered front porch invites you to the open large living room. Enjoy the spacious kitchen with friends/family! Tall ceilings throughout the house! So many rooms in this house to be used as bedrooms, office, playrooms, etc. One of the 2 kitchens is now a main floor laundry room. The home features newer vinyl windows throughout, 2 newer air conditioner systems installed 2015, 2 newer furnaces 2 years old, new water heater, some updated plumbing, updated electric panel, newer carpet by Home Depot, fresh paint, updated flooring in the bathrooms and rear porch, and updated some light fixtures. Recent updates include a new roof on the left side in the fall of 2020, some water pipes, and fresh paint on the basement flooring. All appliances stay as-is. Level fenced yard and off-street parking on a parking pad is a plus. Great opportunity for a big family to find their future home. Must see!

27. 2020-12-24
    historical $145,000 998-char remark

    Show marketing remark (998 chars)

    Welcome to an amazing HUGE 2-family converted to a single family-ideally for a large family. The large covered front porch invites you to the open large living room. Enjoy the spacious kitchen with friends/family! Tall ceilings throughout the house! So many rooms in this house to be used as bedrooms, office, playrooms, etc. One of the 2 kitchens is now a main floor laundry room. The home features newer vinyl windows throughout, 2 newer air conditioner systems installed 2015, 2 newer furnaces 2 years old, new water heater, some updated plumbing, updated electric panel, newer carpet by Home Depot, fresh paint, updated flooring in the bathrooms and rear porch, and updated some light fixtures. Recent updates include a new roof on the left side in the fall of 2020, some water pipes, and fresh paint on the basement flooring. All appliances stay as-is. Level fenced yard and off-street parking on a parking pad is a plus. Great opportunity for a big family to find their future home. Must see!

28. 2020-06-16
    price $135,000
29. 2019-09-28
    price $169,000
30. 2019-09-11
    price $169,900
31. 2015-04-17
    soldstatus Closed
32. 2015-03-10
    historical
33. 2015-03-06
    listed $30,000 Active
34. 2011-06-29
    soldstatus $98,900
35. 2010-07-13
    soldstatus $35,000

ⓘ 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: $1,215 · $101/mo
• Projected year-2 tax: $1,551 · $129/mo
• Expected delta: +$336/yr (+$28/mo · 27.7%)

ⓘ 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 6/10 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: $20,114
• − Mortgage interest: −$8,957
• − Property taxes: −$1,215
• − Insurance: −$800
• − Repairs & maintenance: −$1,609
• − Management: −$1,609
• − Depreciation: −$4,652
• Taxable income: $1,272
• Est. tax owed @ 24.0%: −$305
• After-tax cash flow: $3,508/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): 42,170
• Household income: $61,433
• Rent vs Own: 43.1% rent · 56.9% own
• Severe rent burden: 1923.0

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 0.63)
• Race & ethnicity: White 54% Black 27% Hispanic / Latino 10% Two or more races 8% Asian 5%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Lithuanian 4% Romanian 2% Italian 2%
• Foreign-born: 11% · Canada, Vietnam, Philippines
• Languages at home: 85% English-only · Spanish 6% Vietnamese 2% Arabic 2%

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: ▼ -271.19%
• Current HPI: 215.7108
• Rent YoY: ▲ 2.62%
• 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

+385.4% since first listed

21 events — show timeline

• 2026-05-17 Relisted — MARIS as Distributed by MLS Grid
• 2026-05-17 Price Changed $169,900 MARIS as Distributed by MLS Grid
• 2026-05-05 Pending — MARIS as Distributed by MLS Grid
• 2026-04-29 Price Changed $184,900 MARIS as Distributed by MLS Grid
• 2026-04-06 Listed $189,900 MARIS as Distributed by MLS Grid
• 2026-04-03 Coming Soon $189,900 MARIS as Distributed by MLS Grid
• 2026-04-03 Listed $189,900 MARIS as Distributed by MLS Grid
• 2026-04-02 Coming Soon $189,900 MARIS as Distributed by MLS Grid
• 2021-02-11 Sold (Public Records) $159,000 Public Records
• 2021-02-02 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2020-12-27 Pending — MARIS as Distributed by MLS Grid
• 2020-12-24 Listed $145,000 MARIS as Distributed by MLS Grid
• 2020-12-24 Coming Soon $145,000 MARIS as Distributed by MLS Grid
• 2020-06-16 Price Changed $135,000 MARIS as Distributed by MLS Grid
• 2019-09-28 Price Changed $169,000 MARIS as Distributed by MLS Grid
• 2019-09-11 Price Changed $169,900 MARIS as Distributed by MLS Grid
• 2015-04-17 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2015-03-10 Delisted — MARIS as Distributed by MLS Grid
• 2015-03-06 Listed $30,000 MARIS as Distributed by MLS Grid
• 2011-06-29 Sold (Public Records) $98,900 Public Records
• 2010-07-13 Sold (Public Records) $35,000 Public Records

Property tax history

+5.6%/yr

Latest (2024): $1,215 · +5.0% YoY. Source: county tax records.