243 Chambers Rd · Riverview, MO 63137

$70,000

2 bd · 1.5 ba · 1,024 sqft · SingleFamily public records · 233 Days on market

Built 1955 9,583 sqft lot $68/sqft · 6% above area Est $66k · 6% over

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +4.8/15.0
• Rent growth +4.1/5.0
• Livability +2.9/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Excellent investment opportunity! This solid all-brick 2-bedroom, 2-bath property is a turnkey rental already occupied by a reliable tenant, providing instant income from day one. The home has been well maintained and offers steady returns with minimal upkeep. This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investor's dream.

Key facts

• 9,583 sq ft lot
• Built 1955
• Listed 233 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $501 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $62k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 58/100 on livability (#579 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: employment D+, crime F, amenities 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: 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 (+6.6%/yr); 204 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 35% of the median local income ($43k/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 $484 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $20k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 233 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 3y ago; this cycle's ask has dropped $5k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $26k; list at $70k implies a 169% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1955 — 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 $61,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 233 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — 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. 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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.78% ✓
• Cap rate: 14.88%
• Cash-on-cash: 30.66%
• DSCR: 2.36
• GRM: 4.7

CMA / ARV

• ARV (median comp): $66,105
• List price: $70,000
• Delta: 5.89%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10060 Valley Dr	0.13mi	2/1.0	1,056 (+3%)	4mo	$59,900	$57	83
338 Lancashire Rd	0.47mi	3/1.0 (+1)	1,063 (+4%)	0mo	$99,000	$93	64
534 Alcove Ave	0.47mi	3/1.0 (+1)	996 (-3%)	3mo	$104,200	$105	64
10300 Ross Cir	0.50mi	3/1.0 (+1)	980 (-4%)	1mo	$105,000	$107	62
10201 Gourock Dr	0.36mi	3/1.0 (+1)	932 (-9%)	3mo	$110,000	$118	58
10519 Renfrew Dr	0.62mi	3/1.5 (+1)	982 (-4%)	2mo	$95,000	$97	57
161 Cameron Rd	0.61mi	3/1.0 (+1)	984 (-4%)	1mo	$105,000	$107	57
518 Banavie Dr	0.42mi	3/2.0 (+1)	932 (-9%)	3mo	$65,000	$70	56
10066 Dorothy Ave	0.52mi	2/1.0	916 (-10%)	2mo	$99,900	$109	55
9846 Lilac Dr	0.45mi	3/1.0 (+1)	1,116 (+9%)	4mo	$55,000	$49	53
321 Caithness Rd	0.41mi	3/1.0 (+1)	902 (-12%)	3mo	$47,700	$53	51
435 Adrian Dr	0.57mi	3/2.0 (+1)	1,100 (+7%)	4mo	$45,000	$41	51

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 · 6.59% rent growth · sell at horizon

5-year hold

• IRR: 29.4%
• Equity multiple: 2.29×
• Total profit: $25,246
• Equity at exit: $10,437

10-year hold

• IRR: 38.8%
• Equity multiple: 5.27×
• Total profit: $83,783
• Equity at exit: $6,052

Cash invested: $19,600 (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 63137

• Rents YoY: 6.6%
• Active inventory: 204
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,249 high
• Mortgage (P&I): −$367
• Tax from tax record: −$89 /mo · $1,072/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$262
• Net cashflow: $501

Break-even live

Break-even rent $615

Max offer price $70,000

Occupancy floor 55%

Sensitivity live

Price	-10% $540	-5% $521	+0% $501	+5% $481	+10% $461
Rent	-10% $402	-5% $451	+0% $501	+5% $550	+10% $599
Rate	-1.0pp $536	-0.5pp $519	base $501	+0.5pp $483	+1.0pp $464

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: $17,500
• Closing costs: $2,100
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
255 Chambers Rd St. Louis, MO	2.0	1.0	700	$850	$1.21	46d	1	0.03mi
10019 Northgate Dr Saint Louis, MO	3.0	1.0	991	$1,150	$1.16	24d	1	0.12mi
10063 Northgate Dr Saint Louis, MO	2.0	1.0	1054	$1,200	$1.14	46d	1	0.17mi
416 Crawford Rd Saint Louis, MO	3.0	1.0	844	$1,350	$1.60	1d	1	0.29mi
10327 Renfrew Dr Saint Louis, MO	3.0	1.0	844	$1,199	$1.42	46d	1	0.29mi
10309 Galloway Dr Saint Louis, MO	3.0	1.0	892	$1,270	$1.42	1d	1	0.30mi
10213 Durness Dr Saint Louis, MO	2.0	1.0	932	$1,225	$1.31	46d	1	0.30mi
344 Midridge Dr Saint Louis, MO	2.0	1.0	810	$1,053	$1.30	46d	1	0.31mi
9746 Diamond Dr Saint Louis, MO	3.0	2.0	910	$1,275	$1.40	46d	1	0.35mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	1d	1	0.36mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	46d	1	0.36mi
10052 Lilac Ave Saint Louis, MO	3.0	1.5	1143	$1,100	$0.96	10d	1	0.38mi
10027 Lilac Ave Saint Louis, MO	3.0	1.0	1008	$1,225	$1.22	1d	1	0.38mi
345 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	1d	1	0.40mi
317 Cameron Rd Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	26d	1	0.41mi
9943 Lilac Dr Saint Louis, MO	2.0	1.0	1086	$1,000	$0.92	46d	1	0.42mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	14d	1	0.42mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,540	$1.80	46d	1	0.42mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	1d	1	0.42mi
301 Estridge Rd Saint Louis, MO	3.0	1.0	981	$1,450	$1.48	1d	1	0.45mi
9924 Gloucester Dr Saint Louis, MO	3.0	2.0	992	$1,565	$1.58	13d	1	0.46mi
308 Lanark Rd Saint Louis, MO	3.0	1.0	1154	$1,400	$1.21	26d	1	0.46mi
515 Topaz Ave Saint Louis, MO	3.0	2.0	912	$1,245	$1.37	1d	1	0.47mi
437 Lancashire Rd Saint Louis, MO	3.0	1.0	1082	$1,395	$1.29	46d	1	0.47mi
400 Lancashire Rd Saint Louis, MO	3.0	1.0	1200	$1,095	$0.91	46d	1	0.48mi
10401 Hobkirk Dr Saint Louis, MO	3.0	1.0	1050	$1,500	$1.43	19d	1	0.48mi
305 Lancashire Rd Saint Louis, MO	3.0	1.0	854	$1,100	$1.29	20d	1	0.50mi
10066 Dorothy Ave Saint Louis, MO	2.0	1.0	916	$1,225	$1.34	24d	1	0.52mi
232 Cameron Rd Saint Louis, MO	3.0	1.0	984	$1,295	$1.32	14d	1	0.52mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,295	$1.16	1d	1	0.53mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,350	$1.21	13d	1	0.53mi
460 Bluff Dr Saint Louis, MO	3.0	1.0	1002	$1,300	$1.30	46d	1	0.53mi
371 Adrian Dr Saint Louis, MO	2.0	1.0	1337	$1,200	$0.90	46d	1	0.53mi
9811 Lilac Dr Unit I St. Louis, MO	2.0	1.0	705	$799	$1.13	46d	1	0.53mi
312 Banff Cir Saint Louis, MO	3.0	1.0	854	$1,175	$1.38	26d	1	0.54mi
435 Adrian Dr Saint Louis, MO	3.0	1.0	1100	$950	$0.86	22d	1	0.55mi
9640 Diamond Dr Saint Louis, MO	1.0–2.0	1.0	625	$800	$1.28	17d	3	0.57mi
457 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	26d	1	0.60mi
329 Midlothian Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	5d	1	0.61mi
329 Midlothian Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	1d	1	0.61mi

Listing history 39 events

1. 2026-06-22
   days on market $70,000 Active 233 DOM
2. 2026-06-21
   days on market $70,000 Active 232 DOM
3. 2026-06-18
   days on market $70,000 Active 229 DOM
4. 2026-06-17
   days on market $70,000 Active 228 DOM
5. 2026-06-16
   days on market $70,000 Active 227 DOM
6. 2026-06-15
   days on market $70,000 Active 226 DOM
7. 2026-06-13
   days on market $70,000 Active 224 DOM
8. 2026-06-13
   days on market $70,000 Active 223 DOM
9. 2026-06-09
   days on market $70,000 Active 220 DOM
10. 2026-06-08
    days on market $70,000 Active 219 DOM
11. 2026-06-07
    days on market $70,000 Active 218 DOM
12. 2026-06-05
    days on market $70,000 Active 215 DOM
13. 2026-06-03
    days on market $70,000 Active 214 DOM
14. 2026-06-02
    days on market $70,000 Active 213 DOM
15. 2026-06-01
    days on market $70,000 Active 212 DOM
16. 2026-05-31
    days on market $70,000 Active 211 DOM
17. 2026-02-19
    status Active 467-char remark

    Show marketing remark (467 chars)

    Excellent investment opportunity! This solid all-brick 2-bedroom, 2-bath property is a turnkey rental already occupied by a reliable tenant, providing instant income from day one. The home has been well maintained and offers steady returns with minimal upkeep. This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investor's dream.

18. 2025-11-17
    price $70,000 467-char remark

    Show marketing remark (467 chars)

    Excellent investment opportunity! This solid all-brick 2-bedroom, 2-bath property is a turnkey rental already occupied by a reliable tenant, providing instant income from day one. The home has been well maintained and offers steady returns with minimal upkeep. This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investor's dream.

19. 2025-10-22
    listed $75,000 Active 467-char remark

    Show marketing remark (467 chars)

    Excellent investment opportunity! This solid all-brick 2-bedroom, 2-bath property is a turnkey rental already occupied by a reliable tenant, providing instant income from day one. The home has been well maintained and offers steady returns with minimal upkeep. This home is being sold AS IS. The seller will not provide any warranties, inspections or passed municipal inspection. All inspections will be for the purpose of the buyer. This home is an investor's dream.

20. 2025-02-08
    price $99,990
21. 2025-02-01
    price $107,000
22. 2025-01-14
    listed $110,000 Active
23. 2025-01-13
    historical
24. 2024-11-23
    historical
25. 2024-11-23
    listed $100,000 Active
26. 2024-11-22
    historical
27. 2023-07-20
    soldstatus Closed
28. 2023-07-02
    status Pending
29. 2023-06-21
    price $39,000
30. 2023-05-16
    status Active
31. 2023-05-02
    historical Active Under Contract
32. 2023-04-21
    status Active
33. 2023-04-18
    historical
34. 2023-04-15
    status Active
35. 2023-03-25
    historical Active Under Contract
36. 2023-03-24
    listed $42,000 Active
37. 2019-06-24
    soldstatus $26,000
38. 2016-07-13
    price $25,000
39. 2004-05-19
    soldstatus $775,000

ⓘ 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: $1,072 · $89/mo
• Projected year-2 tax: $1,072 · $89/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 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,983
• − Mortgage interest: −$3,921
• − Property taxes: −$1,072
• − Insurance: −$350
• − Repairs & maintenance: −$1,199
• − Management: −$1,199
• − Depreciation: −$2,036
• Taxable income: $5,206
• Est. tax owed @ 24.0%: −$1,250
• After-tax cash flow: $4,760/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 — Riverview

• Score: 58/100
• State rank: #579
• US rank: #20673

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Riverview, MO
• County: Saint Louis County · 888,823 people
• City population: 19,690
• Metro: St. Louis, MO-IL
• Population (ZIP): 19,684
• Household income: $43,422
• Rent vs Own: 52.2% rent · 47.8% own
• Severe rent burden: 1863.0

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 (82%)
• Race & ethnicity: Black 82% White 13% Two or more races 3%
• Common ancestry: Romanian 1% Lithuanian 1% Italian 1%
• Foreign-born: 1%

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: ▼ -96.70%
• Current HPI: 130.6765
• Rent YoY: ▲ 6.59%
• 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

-91.0% since first listed

23 events — show timeline

• 2026-02-19 Relisted — MARIS as Distributed by MLS Grid
• 2025-11-17 Price Changed $70,000 MARIS as Distributed by MLS Grid
• 2025-10-22 Listed $75,000 MARIS as Distributed by MLS Grid
• 2025-02-08 Price Changed $99,990 MARIS as Distributed by MLS Grid
• 2025-02-01 Price Changed $107,000 MARIS as Distributed by MLS Grid
• 2025-01-14 Listed $110,000 MARIS as Distributed by MLS Grid
• 2025-01-13 Coming Soon — MARIS as Distributed by MLS Grid
• 2024-11-23 Delisted — MARIS as Distributed by MLS Grid
• 2024-11-23 Listed $100,000 MARIS as Distributed by MLS Grid
• 2024-11-22 Coming Soon — MARIS as Distributed by MLS Grid
• 2023-07-20 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2023-07-02 Pending — MARIS as Distributed by MLS Grid
• 2023-06-21 Price Changed $39,000 MARIS as Distributed by MLS Grid
• 2023-05-16 Relisted — MARIS as Distributed by MLS Grid
• 2023-05-02 Contingent — MARIS as Distributed by MLS Grid
• 2023-04-21 Relisted — MARIS as Distributed by MLS Grid
• 2023-04-18 Delisted — MARIS as Distributed by MLS Grid
• 2023-04-15 Relisted — MARIS as Distributed by MLS Grid
• 2023-03-25 Contingent — MARIS as Distributed by MLS Grid
• 2023-03-24 Listed $42,000 MARIS as Distributed by MLS Grid
• 2019-06-24 Sold (Public Records) $26,000 Public Records
• 2016-07-13 Price Changed $25,000 MARIS as Distributed by MLS Grid
• 2004-05-19 Sold (Public Records) $775,000 Public Records

Property tax history

+1.0%/yr

Latest (2022): $1,072 · +1.0% YoY. Source: county tax records.