10412 Hallwood Dr · Castle Point, MO 63136

$159,900

3 bd · 1.5 ba · 1,073 sqft · SingleFamily public records · 4 Days on market

Built 1956 7,927 sqft lot Est $135k · 18% over $6/mo HOA

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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 +12.6/30.0
• Appreciation +6.9/10.0
• DSCR +3.7/10.0
• Rent growth +3.7/5.0
• 1% rule +3.2/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Explore the potential of 10412 Hallwood Drive, a charming three-bedroom home in St. Louis County. This home is being offered in as-is condition, seller will do no repairs or pay for any inspections prior to closing. This ranch-style residence includes three total bedrooms and 1.5 bathrooms, just under 1100sf of living area, garage parking, full basement, and a fenced yard. Make your appointment to view this property before its too late!!!

Key facts

• Updated kitchen
• Enclosed porch
• 7,927 sq ft lot

Tags

• REFRESHED BRICK RANCH
• UPDATED KITCHEN
• PARTIALLY FINISHED LOWER LEVEL
• ENCLOSED PORCH
• LARGE FENCED BACKYARD

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $-22 ($-262/yr) — negative.
• To cash-flow at today's rent, offer at most $156k (2.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $131k (17.8% below list).
• Recommended offer: $131k (17.8% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 12.9% 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: Meadows Elem. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 333 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); 376 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d 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 $7k of equity ($1k loan paydown + $6k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $45k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 2y 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 1956 — 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 $131,369 (17.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.82% ✗
• Cap rate: 6.13%
• Cash-on-cash: -0.58%
• DSCR: 0.97
• GRM: 10.1

CMA / ARV

• ARV (on-the-fly): $135,198
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10231 Monarch Dr	0.33mi	3/2.0	1,073 (0%)	1mo	$189,999	$177	82
10539 Monarch Dr	0.23mi	4/2.5 (+1)	1,073 (0%)	3mo	$135,000	$126	78
10127 Monarch Dr	0.44mi	3/1.5	1,015 (-5%)	1mo	$155,000	$153	70
10139 Edgefield Dr	0.39mi	3/2.0	1,140 (+6%)	0mo	$119,900	$105	69
10129 Ventura Dr	0.55mi	3/2.0	1,055 (-2%)	2mo	$129,900	$123	68
10257 Dacey Dr	0.51mi	3/1.5	1,014 (-6%)	2mo	$120,000	$118	65
10417 Prince Dr	0.62mi	3/1.5	1,040 (-3%)	2mo	$120,000	$115	64
10217 Viscount Dr	0.30mi	3/2.0	1,205 (+12%)	2mo	$149,000	$124	62
10228 Viscount Dr	0.29mi	3/1.5	925 (-14%)	2mo	$155,000	$168	62
1923 Nashua Dr	0.58mi	3/1.0	1,014 (-6%)	1mo	$149,900	$148	61
10269 Dacey Dr	0.52mi	4/1.0 (+1)	1,014 (-6%)	1mo	$169,000	$167	59
10557 Castle Dr	0.71mi	3/1.5	1,023 (-5%)	1mo	$110,000	$108	58

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: 10.1%
• Equity multiple: 1.61×
• Total profit: $27,306
• Equity at exit: $79,117

10-year hold

• IRR: 12.8%
• Equity multiple: 3.13×
• Total profit: $95,252
• Equity at exit: $127,866

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 63136

• Home prices YoY: 0.9%
• Rents YoY: 5.0%
• Active inventory: 376
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,314 high
• Mortgage (P&I): −$839
• Tax from tax record: −$148 /mo · $1,782/yr
• Insurance: −$67
• HOA: −$6
• Vacancy / Maint / Mgmt: −$276
• Net cashflow: $-22

Break-even live

Break-even rent $1,341

Max offer price $156,048

Occupancy floor 97%

Sensitivity live

Price	-10% $69	-5% $23	+0% $-22	+5% $-67	+10% $-112
Rent	-10% $-126	-5% $-74	+0% $-22	+5% $30	+10% $82
Rate	-1.0pp $59	-0.5pp $19	base $-22	+0.5pp $-63	+1.0pp $-105

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 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	25d	1	0.26mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	9d	1	0.32mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	23d	1	0.33mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	16d	1	0.38mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	3d	1	0.39mi
2259 Ainsworth Dr Saint Louis, MO	4.0	2.0	1500	$1,776	$1.18	45d	1	0.44mi
62 Capitol Hill Dr Saint Louis, MO	3.0	2.0	1239	$1,250	$1.01	45d	1	0.45mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	23d	1	0.46mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	25d	1	0.47mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	5d	1	0.47mi
10348 Earl Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	0d	1	0.47mi
10501 Duke Dr Saint Louis, MO	2.0	1.0	1140	$1,090	$0.96	45d	1	0.51mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	25d	1	0.53mi
10113 Count Dr Saint Louis, MO	2.0	1.0	882	$775	$0.88	45d	1	0.54mi
10112 Count Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	9d	1	0.55mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	25d	1	0.56mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	0d	1	0.56mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	45d	1	0.56mi
10421 Prince Dr Saint Louis, MO	3.0	2.0	1023	$1,275	$1.25	25d	1	0.62mi
10441 Prince Dr Saint Louis, MO	4.0	1.5	1380	$1,380	$1.00	45d	1	0.62mi
2257 Luxmore Dr Saint Louis, MO	3.0	3.0	1073	$1,495	$1.39	25d	1	0.63mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	4d	1	0.65mi
10113 Duke Dr Saint Louis, MO	3.0	1.0	770	$1,325	$1.72	45d	1	0.66mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	9d	1	0.67mi
10139 Royal Dr Saint Louis, MO	2.0	1.0	1016	$900	$0.89	45d	1	0.68mi
2257 Chambers Rd Saint Louis, MO	3.0	1.0	1200	$1,400	$1.17	25d	1	0.69mi
10557 Castle Dr Saint Louis, MO	3.0	2.0	1023	$1,300	$1.27	16d	1	0.72mi
2326 Chambers Rd Saint Louis, MO	2.0	1.0	1056	$1,050	$0.99	25d	1	0.73mi
10304 Bon Oak Dr Saint Louis, MO	3.0	1.5	1500	$1,250	$0.83	45d	1	0.82mi
2321 Noll Dr Saint Louis, MO	3.0	1.0	975	$1,320	$1.35	25d	1	0.84mi
2155 Hecht Ave St. Louis, MO	1.0–2.0	1.0	673	$1,162	$1.73	0d	23	0.87mi
1926 Chambers Rd Saint Louis, MO	4.0	1.0	1095	$995	$0.91	16d	1	0.89mi
2544 Netherton Dr Saint Louis, MO	3.0	2.0	1288	$1,945	$1.51	0d	1	1.01mi
1520 Attica Dr Saint Louis, MO	2.0	1.0	1062	$1,200	$1.13	25d	1	1.02mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	9d	1	1.05mi
2008 Kappel Dr Saint Louis, MO	3.0	1.0	858	$1,175	$1.37	25d	1	1.06mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	0d	1	1.06mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	45d	1	1.06mi
9744 Lanier Dr Saint Louis, MO	3.0	1.0	1014	$1,345	$1.33	45d	1	1.10mi
9812 Balboa Dr Saint Louis, MO	4.0	2.0	1500	$1,495	$1.00	23d	1	1.10mi

HOA detail

• Monthly dues: $6 · $72/yr

Listing history 7 events

1. 2026-04-20
   status Pending
2. 2026-04-16
   listed $159,900 Active
3. 2024-12-05
   soldstatus Closed 442-char remark

   Show marketing remark (442 chars)

   Explore the potential of 10412 Hallwood Drive, a charming three-bedroom home in St. Louis County. This home is being offered in as-is condition, seller will do no repairs or pay for any inspections prior to closing. This ranch-style residence includes three total bedrooms and 1.5 bathrooms, just under 1100sf of living area, garage parking, full basement, and a fenced yard. Make your appointment to view this property before its too late!!!

4. 2024-11-14
   status Pending 442-char remark

   Show marketing remark (442 chars)

   Explore the potential of 10412 Hallwood Drive, a charming three-bedroom home in St. Louis County. This home is being offered in as-is condition, seller will do no repairs or pay for any inspections prior to closing. This ranch-style residence includes three total bedrooms and 1.5 bathrooms, just under 1100sf of living area, garage parking, full basement, and a fenced yard. Make your appointment to view this property before its too late!!!

5. 2024-11-13
   listed $60,000 Active 442-char remark

   Show marketing remark (442 chars)

   Explore the potential of 10412 Hallwood Drive, a charming three-bedroom home in St. Louis County. This home is being offered in as-is condition, seller will do no repairs or pay for any inspections prior to closing. This ranch-style residence includes three total bedrooms and 1.5 bathrooms, just under 1100sf of living area, garage parking, full basement, and a fenced yard. Make your appointment to view this property before its too late!!!

6. 2024-11-12
   historical $60,000 442-char remark

   Show marketing remark (442 chars)

   Explore the potential of 10412 Hallwood Drive, a charming three-bedroom home in St. Louis County. This home is being offered in as-is condition, seller will do no repairs or pay for any inspections prior to closing. This ranch-style residence includes three total bedrooms and 1.5 bathrooms, just under 1100sf of living area, garage parking, full basement, and a fenced yard. Make your appointment to view this property before its too late!!!

7. 1982-03-01
   soldstatus

ⓘ 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: $1,782 · $148/mo
• Projected year-2 tax: $1,782 · $148/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 3/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,764
• − Mortgage interest: −$8,957
• − Property taxes: −$1,782
• − Insurance: −$800
• − Repairs & maintenance: −$1,261
• − Management: −$1,261
• − HOA: −$72
• − Depreciation: −$4,652
• Taxable loss: −$3,020
• Est. tax savings @ 24.0%: +$725
• After-tax cash flow: $463/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

• 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

+166.5% since first listed

7 events — show timeline

• 2026-04-20 Pending — MARIS as Distributed by MLS Grid
• 2026-04-16 Listed $159,900 MARIS as Distributed by MLS Grid
• 2024-12-05 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-11-14 Pending — MARIS as Distributed by MLS Grid
• 2024-11-13 Listed $60,000 MARIS as Distributed by MLS Grid
• 2024-11-12 Coming Soon $60,000 MARIS as Distributed by MLS Grid
• 1982-03-01 Sold (Public Records) — Public Records

Property tax history

+5.0%/yr

Latest (2022): $1,782 · +0.4% YoY. Source: county tax records.