10518 Renfrew Dr · Glasgow Village, MO 63137

$99,900

4 bd · 1.0 ba · 958 sqft · SingleFamily public records · 100 Days on market

Built 1953 7,095 sqft lot $104/sqft · 29% above area Est $78k · 29% over $1/mo HOA

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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
• DSCR +10.0/10.0
• 1% rule +9.8/10.0
• Rent growth +4.1/5.0
• Livability +2.8/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 10518 Renfrew Dr in Saint Louis! This 4-bedroom, 1-bath, one-story home offers a functional layout with comfortable living space and great natural light throughout. The full basement provides ample storage and potential for additional finished space, whether for a recreation area, home office, or hobby room. Conveniently located near everyday amenities, shopping, dining, and major roadways, this property presents a wonderful opportunity for a variety of buyers seeking space and value. HOA Glasgow Village Homeowners Association , [email protected], 314-576-0770 ext 406

Key facts

• Great natural light
• Full basement
• Functional layout

Tags

• FULL BASEMENT
• GREAT NATURAL LIGHT
• FUNCTIONAL LAYOUT
• CONVENIENTLY LOCATED

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $503 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $91k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 55/100 on livability (#756 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B; Watch: schools F, 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.
• Market conditions: Rents rising fast (+6.6%/yr); 201 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 41% 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 $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.6% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 100 days — a 9% lower offer ($91k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1953 — 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 $90,909 (9.0% below list)

Questions for the listing agent

1. It's been on market 100 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1953 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.48% ✓
• Cap rate: 12.33%
• Cash-on-cash: 21.57%
• DSCR: 1.96
• GRM: 5.6

CMA / ARV

• ARV (median comp): $77,637
• List price: $99,900
• Delta: 28.67%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10519 Renfrew Dr	0.03mi	3/1.5 (-1)	982 (+2%)	2mo	$95,000	$97	86
10539 Renfrew Dr	0.05mi	3/1.0 (-1)	854 (-11%)	2mo	$119,900	$140	73
10555 Gourock Dr	0.25mi	3/2.0 (-1)	918 (-4%)	3mo	$120,000	$131	70
321 Caithness Rd	0.33mi	3/1.0 (-1)	902 (-6%)	3mo	$47,700	$53	67
363 Shepley Dr	0.15mi	3/1.0 (-1)	854 (-11%)	3mo	$110,000	$129	67
161 Cameron Rd	0.49mi	3/1.0 (-1)	984 (+3%)	1mo	$105,000	$107	67
338 Lancashire Rd	0.21mi	3/1.0 (-1)	1,063 (+11%)	0mo	$99,000	$93	67
10300 Ross Cir	0.57mi	3/1.0 (-1)	980 (+2%)	1mo	$105,000	$107	64
240 Shepley Dr	0.37mi	3/1.0 (-1)	854 (-11%)	3mo	$55,000	$64	57
10301 Renfrew Dr	0.41mi	3/1.0 (-1)	844 (-12%)	3mo	$110,000	$130	54
237 Ben Nevis Rd	0.57mi	3/1.0 (-1)	873 (-9%)	1mo	$89,000	$102	53
200 Mcalpine Dr	0.73mi	3/2.0 (-1)	927 (-3%)	0mo	$90,000	$97	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: 18.1%
• Equity multiple: 1.76×
• Total profit: $21,380
• Equity at exit: $14,895

10-year hold

• IRR: 28.9%
• Equity multiple: 4.02×
• Total profit: $84,368
• Equity at exit: $8,638

Cash invested: $27,972 (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: 201
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,481 high
• Mortgage (P&I): −$524
• Tax from tax record: −$101 /mo · $1,211/yr
• Insurance: −$42
• HOA: −$1
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $503

Break-even live

Break-even rent $845

Max offer price $99,900

Occupancy floor 61%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10519 Renfrew Dr Saint Louis, MO	3.0	1.5	982	$1,399	$1.42	43d	1	0.02mi
457 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	23d	1	0.04mi
10524 Durness Dr Saint Louis, MO	3.0	1.0	1000	$1,250	$1.25	43d	1	0.05mi
10518 Gretna Cir Saint Louis, MO	3.0	1.0	1082	$1,450	$1.34	23d	1	0.12mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,350	$1.21	10d	1	0.12mi
409 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,095	$1.28	4d	1	0.14mi
437 Lancashire Rd Saint Louis, MO	3.0	1.0	1082	$1,395	$1.29	43d	1	0.16mi
10527 Prestwick Dr Saint Louis, MO	3.0	2.0	854	$1,395	$1.63	7d	1	0.16mi
329 Midlothian Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	3d	1	0.18mi
312 Banff Cir Saint Louis, MO	3.0	1.0	854	$1,175	$1.38	23d	1	0.21mi
743 Shepley Dr Saint Louis, MO	3.0	1.0	932	$1,025	$1.10	7d	1	0.24mi
323 Shepley Dr Saint Louis, MO	3.0	1.0	850	$1,175	$1.38	2d	1	0.27mi
305 Lancashire Rd Saint Louis, MO	3.0	1.0	854	$1,100	$1.29	17d	1	0.28mi
251 Midlothian Rd Saint Louis, MO	3.0	1.0	1058	$1,499	$1.42	43d	1	0.29mi
10401 Hobkirk Dr Saint Louis, MO	3.0	1.0	1050	$1,500	$1.43	17d	1	0.30mi
10432 Balmoral Dr Saint Louis, MO	4.0	1.0	826	$1,600	$1.94	1d	1	0.30mi
10617 Dunkeld Cir Saint Louis, MO	3.0	1.0	873	$1,299	$1.49	43d	1	0.31mi
10617 Dunkeld Cir Saint Louis, MO	3.0	1.0	873	$1,299	$1.49	7d	1	0.31mi
10309 Galloway Dr Saint Louis, MO	3.0	1.0	892	$1,295	$1.45	12d	1	0.33mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	12d	1	0.33mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,540	$1.80	43d	1	0.33mi
10327 Renfrew Dr Saint Louis, MO	3.0	1.0	844	$1,199	$1.42	43d	1	0.33mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,350	$1.50	43d	1	0.34mi
1205 Shepley Dr Saint Louis, MO	3.0	1.0	901	$1,325	$1.47	23d	1	0.34mi
10421 Gardo Ct Saint Louis, MO	3.0	2.0	1000	$1,395	$1.40	14d	1	0.36mi
416 Crawford Rd Saint Louis, MO	3.0	1.0	844	$1,499	$1.78	23d	1	0.37mi
204 Tay Rd Saint Louis, MO	4.0	1.5	854	$1,500	$1.76	17d	1	0.37mi
10650 Dunkeld Cir Saint Louis, MO	3.0	1.0	854	$1,250	$1.46	7d	1	0.38mi
317 Cameron Rd Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	23d	1	0.39mi
232 Cameron Rd Saint Louis, MO	3.0	1.0	984	$1,295	$1.32	12d	1	0.42mi
10201 Gourock Dr Saint Louis, MO	3.0	1.0	886	$1,275	$1.44	43d	1	0.48mi
241 Grampian Rd Saint Louis, MO	3.0	1.0	837	$1,250	$1.49	43d	1	0.49mi
237 Grampian Rd Saint Louis, MO	3.0	1.0	873	$1,499	$1.72	43d	1	0.49mi
257 Glen Garry Rd Saint Louis, MO	3.0	1.0	873	$1,025	$1.17	14d	1	0.54mi
157 Perthshire Rd Saint Louis, MO	3.0	1.0	873	$1,850	$2.12	43d	1	0.54mi
815 Bella Ln Saint Louis, MO	3.0	1.0	864	$1,275	$1.48	43d	1	0.58mi
138 Grampian Rd Saint Louis, MO	3.0	1.0	873	$1,499	$1.72	43d	1	0.60mi
10019 Northgate Dr Saint Louis, MO	3.0	1.0	991	$1,150	$1.16	22d	1	0.61mi
225 Ben Nevis Rd Saint Louis, MO	3.0	1.0	873	$1,250	$1.43	3d	1	0.62mi
117 Glen Garry Rd Saint Louis, MO	3.0	1.0	1000	$1,175	$1.18	3d	1	0.66mi

HOA detail

• Monthly dues: $1 · $12/yr

Listing history 22 events

1. 2026-06-18
   days on market $99,900 Active 100 DOM
2. 2026-06-17
   days on market $99,900 Active 99 DOM
3. 2026-06-16
   days on market $99,900 Active 98 DOM
4. 2026-06-15
   days on market $99,900 Active 97 DOM
5. 2026-06-13
   days on market $99,900 Active 95 DOM
6. 2026-06-13
   statusdays on market $99,900 Active 94 DOM
7. 2026-06-07
   statusdays on market $99,900 Pending 92 DOM
8. 2026-06-05
   days on market $99,900 Active 90 DOM
9. 2026-06-03
   days on market $99,900 Active 89 DOM
10. 2026-06-02
    days on market $99,900 Active 88 DOM
11. 2026-06-01
    days on market $99,900 Active 87 DOM
12. 2026-05-31
    days on market $99,900 Active 86 DOM
13. 2026-05-15
    price $99,900 592-char remark

    Show marketing remark (592 chars)

    Welcome to 10518 Renfrew Dr in Saint Louis! This 4-bedroom, 1-bath, one-story home offers a functional layout with comfortable living space and great natural light throughout. The full basement provides ample storage and potential for additional finished space, whether for a recreation area, home office, or hobby room. Conveniently located near everyday amenities, shopping, dining, and major roadways, this property presents a wonderful opportunity for a variety of buyers seeking space and value. HOA Glasgow Village Homeowners Association , [email protected], 314-576-0770 ext 406

14. 2026-05-04
    status Active 592-char remark

    Show marketing remark (592 chars)

    Welcome to 10518 Renfrew Dr in Saint Louis! This 4-bedroom, 1-bath, one-story home offers a functional layout with comfortable living space and great natural light throughout. The full basement provides ample storage and potential for additional finished space, whether for a recreation area, home office, or hobby room. Conveniently located near everyday amenities, shopping, dining, and major roadways, this property presents a wonderful opportunity for a variety of buyers seeking space and value. HOA Glasgow Village Homeowners Association , [email protected], 314-576-0770 ext 406

15. 2026-04-24
    status Pending 592-char remark

    Show marketing remark (592 chars)

    Welcome to 10518 Renfrew Dr in Saint Louis! This 4-bedroom, 1-bath, one-story home offers a functional layout with comfortable living space and great natural light throughout. The full basement provides ample storage and potential for additional finished space, whether for a recreation area, home office, or hobby room. Conveniently located near everyday amenities, shopping, dining, and major roadways, this property presents a wonderful opportunity for a variety of buyers seeking space and value. HOA Glasgow Village Homeowners Association , [email protected], 314-576-0770 ext 406

16. 2026-03-27
    price $104,900 592-char remark

    Show marketing remark (592 chars)

    Welcome to 10518 Renfrew Dr in Saint Louis! This 4-bedroom, 1-bath, one-story home offers a functional layout with comfortable living space and great natural light throughout. The full basement provides ample storage and potential for additional finished space, whether for a recreation area, home office, or hobby room. Conveniently located near everyday amenities, shopping, dining, and major roadways, this property presents a wonderful opportunity for a variety of buyers seeking space and value. HOA Glasgow Village Homeowners Association , [email protected], 314-576-0770 ext 406

17. 2026-02-24
    listed $109,900 Active 592-char remark

    Show marketing remark (592 chars)

    Welcome to 10518 Renfrew Dr in Saint Louis! This 4-bedroom, 1-bath, one-story home offers a functional layout with comfortable living space and great natural light throughout. The full basement provides ample storage and potential for additional finished space, whether for a recreation area, home office, or hobby room. Conveniently located near everyday amenities, shopping, dining, and major roadways, this property presents a wonderful opportunity for a variety of buyers seeking space and value. HOA Glasgow Village Homeowners Association , [email protected], 314-576-0770 ext 406

18. 2015-09-01
    soldstatus $15,382,732
19. 2000-06-08
    soldstatus $67,900
20. 1997-04-15
    soldstatus $49,500
21. 1994-06-14
    soldstatus $45,500
22. 1983-07-01
    soldstatus $38,000

ⓘ 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: $1,211 · $101/mo
• Projected year-2 tax: $1,211 · $101/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 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,775
• − Mortgage interest: −$5,596
• − Property taxes: −$1,211
• − Insurance: −$500
• − Repairs & maintenance: −$1,422
• − Management: −$1,422
• − HOA: −$12
• − Depreciation: −$2,906
• Taxable income: $4,705
• Est. tax owed @ 24.0%: −$1,129
• After-tax cash flow: $4,903/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 — Glasgow Village

• Score: 55/100
• State rank: #756
• US rank: #23451

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Glasgow Village, MO
• County: Saint Louis County · 888,823 people
• 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

+162.9% since first listed

10 events — show timeline

• 2026-05-15 Price Changed $99,900 MARIS as Distributed by MLS Grid
• 2026-05-04 Relisted — MARIS as Distributed by MLS Grid
• 2026-04-24 Pending — MARIS as Distributed by MLS Grid
• 2026-03-27 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2026-02-24 Listed $109,900 MARIS as Distributed by MLS Grid
• 2015-09-01 Sold (Public Records) $15,382,732 Public Records
• 2000-06-08 Sold (Public Records) $67,900 Public Records
• 1997-04-15 Sold (Public Records) $49,500 Public Records
• 1994-06-14 Sold (Public Records) $45,500 Public Records
• 1983-07-01 Sold (Public Records) $38,000 Public Records

Property tax history

+6.4%/yr

Latest (2022): $1,211 · +1.0% YoY. Source: county tax records.