4712 Gravois Ave · St. Louis, MO 63116

$26,000

3 bd · 1.0 ba · 1,224 sqft · SingleFamily public records · 42 Days on market

Built 1916 5,627 sqft lot $21/sqft · 84% below area

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• 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

This 1,224-square-foot brick home in South City offers three-bedroom, one-bathroom layout perfect for any lifestyle. The property gives an opportunity for personalized living spaces. A full basement providing ample storage or potential for future customization. Situated on Gravois Avenue, this property combines classic Saint Louis character with everyday convenience.

Key facts

• Full basement
• 5,627 sq ft lot
• Built 1916

Tags

• FULL BASEMENT
• PERSONALIZED LIVING SPACES
• CLASSIC SAINT LOUIS CHARACTER

Property features AI

Exterior

• Utilities: Public water; Public sewer; Electric service by Ameren
• Home design: Single-family residence; One level
• Construction: Brick construction
• Exterior features: Front yard; Back yard

Interior

• Bedrooms: Three bedrooms on the main level
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $26k.

Deal economics

• At list price, monthly cash flow is $797 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $26k).
• Recommended offer: $25k (3.0% below list) — sets the bar for market timing.
• Cap rate 43.1% 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 D — 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: Woerner Elem. (math 8% / reading 17%, grade F, #1,007 of 1,115 statewide, top 91%, 362 students, 99% FRL); Roosevelt High (math 2% / reading 8%, grade F, #517 of 521 statewide, top 100%, 460 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 (+2.6%/yr); 255 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); 40% 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 $180 of loan paydown is wiped out by about $780 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 + 2.6% rent growth), your $7k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($25k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1916 — 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 $25,220 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1916 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 4.75% ✓
• Cap rate: 43.06%
• Cash-on-cash: 131.31%
• DSCR: 6.84
• GRM: 1.8

CMA / ARV

• ARV (median comp): $164,584
• List price: $26,000
• Delta: -84.20%
• 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
4410 Wallace St	0.25mi	2/1.0 (-1)	1,192 (-3%)	1mo	$215,000	$180	78
4448 Itaska St	0.32mi	3/2.0	1,200 (-2%)	1mo	$195,000	$163	77
4333 Ellenwood Ave	0.29mi	2/1.0 (-1)	1,172 (-4%)	1mo	$165,000	$141	74
4417 Wallace St	0.26mi	3/1.5	1,129 (-8%)	1mo	$183,000	$162	72
4467 Wilcox Ave	0.37mi	2/1.0 (-1)	1,172 (-4%)	2mo	$109,900	$94	69
4323 Bingham Ave	0.51mi	2/1.0 (-1)	1,200 (-2%)	0mo	$79,900	$67	68
5015 Gerritt Ave	0.53mi	2/1.0 (-1)	1,293 (+6%)	1mo	$165,000	$128	60
4044 Walsh St	0.38mi	3/2.0	1,384 (+13%)	2mo	$244,900	$177	55
4471 S Spring Ave	0.71mi	3/2.0	1,152 (-6%)	1mo	$135,000	$117	52
6065 Wanda Ave	0.74mi	2/1.0 (-1)	1,118 (-9%)	2mo	$185,000	$165	44
4404 S 39th St	0.73mi	2/2.0 (-1)	1,120 (-8%)	2mo	$164,900	$147	42
5920 Morganford Rd	0.68mi	2/1.5 (-1)	1,058 (-14%)	1mo	$194,900	$184	38

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: —
• Equity multiple: 7.33×
• Total profit: $46,072
• Equity at exit: $3,877

10-year hold

• IRR: —
• Equity multiple: 15.23×
• Total profit: $103,609
• Equity at exit: $2,248

Cash invested: $7,280 (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: 1.8×

Monthly cashflow live

• Estimated rent: $1,236 high
• Mortgage (P&I): −$136
• Tax est. 1.5%: −$32 /mo · $390/yr
• Insurance: −$11
• HOA: −$0
• Vacancy / Maint / Mgmt: −$260
• Net cashflow: $797

Break-even live

Break-even rent $227

Max offer price $26,000

Occupancy floor 31%

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: $6,500
• Closing costs: $780
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4215 Gannett St Unit 1F St. Louis, MO	2.0	1.0	1148	$1,025	$0.89	10d	1	0.12mi
4215 Neosho St Unit 101 St. Louis, MO	2.0	1.0	750	$825	$1.10	43d	1	0.18mi
4413 Delor St Unit 2F St. Louis, MO	2.0	1.0	1010	$1,125	$1.11	23d	1	0.24mi
4274 Ellenwood Ave Unit 1E St. Louis, MO	2.0	1.0	800	$995	$1.24	43d	1	0.25mi
4177 Schiller Pl Saint Louis, MO	2.0	1.0	1200	$1,150	$0.96	23d	1	0.31mi
4428 Ellenwood Ave Saint Louis, MO	2.0	1.0	900	$1,225	$1.36	43d	1	0.36mi
5111 Cologne Ave Saint Louis, MO	2.0	1.0	800	$1,050	$1.31	43d	1	0.43mi
4645 Wilcox Ave Unit 1st Floor St. Louis, MO	2.0	1.0	1150	$1,375	$1.20	21d	1	0.46mi
4028 Schiller Pl Saint Louis, MO	2.0	1.0	802	$1,440	$1.80	43d	1	0.49mi
5415 Dresden Ave Saint Louis, MO	2.0	1.5	935	$1,200	$1.28	23d	1	0.51mi
4000 Schiller Pl Saint Louis, MO	2.0	2.5	1448	$1,618	$1.12	7d	1	0.53mi
5970 Wanda Ave Saint Louis, MO	4.0	2.0	1282	$1,995	$1.56	17d	1	0.56mi
5006 Christy Blvd Unit 1st Fl St. Louis, MO	3.0	1.0	1100	$1,450	$1.32	43d	1	0.57mi
4710 Eichelberger St Unit First St. Louis, MO	2.0	1.0	888	$900	$1.01	43d	1	0.58mi
5033 Ulena Ave Saint Louis, MO	2.0	1.0	960	$1,575	$1.64	43d	1	0.61mi
3741 Morgan Ford Rd St. Louis, MO	2.0	1.0	800	$895	$1.12	23d	1	0.63mi
3737 Morgan Ford Rd Apt F St. Louis, MO	2.0	1.0	800	$895	$1.12	19d	1	0.63mi
3729 Morgan Ford Rd Apt G St. Louis, MO	2.0	1.0	800	$895	$1.12	23d	1	0.64mi
3729 Morgan Ford Rd St. Louis, MO	2.0	1.0	800	$895	$1.12	19d	1	0.64mi
5836 Goener Ave Unit 2F St. Louis, MO	3.0	1.0	1250	$1,500	$1.20	43d	1	0.65mi
4766 Dahlia Ave Saint Louis, MO	2.0	1.0	1184	$1,695	$1.43	2d	1	0.67mi
4950 Sutherland Ave Unit 1F St. Louis, MO	2.0	1.0	1056	$1,295	$1.23	10d	1	0.76mi
3824 Eiler St Saint Louis, MO	2.0	1.0	1000	$1,050	$1.05	23d	1	0.77mi
4455 S 38th St Saint Louis, MO	3.0	1.0	1000	$1,000	$1.00	23d	1	0.80mi
3765 Delor St Unit 37651-F St. Louis, MO	2.0	1.5	900	$1,225	$1.36	23d	1	0.81mi
4945 Winona Ave Unit 4945A St. Louis, MO	2.0	1.0	1150	$1,200	$1.04	23d	1	0.81mi
4075 Bowen St Saint Louis, MO	2.0	1.0	1200	$1,200	$1.00	43d	1	0.81mi
3761 Delor St St. Louis, MO	2.0	1.5	900	$1,285	$1.43	1d	2	0.82mi
6135 Newport Ave Saint Louis, MO	2.0	1.0	960	$1,976	$2.06	1d	1	0.82mi
3647 Delor St Unit 3647-1F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	43d	1	0.84mi
3737 Delor St Unit 3737-1F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	23d	1	0.84mi
3737 Delor St Unit 3737-2F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	43d	1	0.85mi
3729 Delor St Unit 37292-F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	23d	1	0.85mi
3723 Delor St Unit 3723-1F St. Louis, MO	2.0	1.5	900	$1,225	$1.36	43d	1	0.86mi
3719 Delor St Unit 3719-1F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	43d	1	0.86mi
5616 S Kingshighway Blvd Saint Louis, MO	3.0	2.0	1400	$1,830	$1.31	1d	1	0.86mi
3717 Delor St Unit 37172-F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	23d	1	0.86mi
3711 Delor St Unit 3711-1F St. Louis, MO	2.0	1.5	900	$1,225	$1.36	23d	1	0.88mi
3709 Delor St Unit 3709-1F St. Louis, MO	2.0	1.5	900	$1,225	$1.36	43d	1	0.89mi
3707a Delor St Unit 3707-2F St. Louis, MO	2.0	1.5	900	$1,115	$1.24	43d	1	0.90mi

Listing history 9 events

1. 2026-06-05
   statusdays on market $26,000 Pending 42 DOM
2. 2026-06-03
   days on market $26,000 Active 41 DOM
3. 2026-06-02
   days on market $26,000 Active 40 DOM
4. 2026-06-01
   days on market $26,000 Active 39 DOM
5. 2026-05-31
   days on market $26,000 Active 38 DOM
6. 2026-04-23
   listed $26,000 Active 369-char remark
7. 1996-10-09
   soldstatus
8. 1996-10-09
   soldstatus
9. 1996-10-07
   soldstatus

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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: $14,830
• − Mortgage interest: −$1,456
• − Property taxes: −$390
• − Insurance: −$130
• − Repairs & maintenance: −$1,186
• − Management: −$1,186
• − Depreciation: −$756
• Taxable income: $9,724
• Est. tax owed @ 24.0%: −$2,334
• After-tax cash flow: $7,226/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

5 events — show timeline

• 2026-06-04 Pending — MARIS as Distributed by MLS Grid
• 2026-04-23 Listed $26,000 MARIS as Distributed by MLS Grid
• 1996-10-09 Sold (Public Records) — Public Records
• 1996-10-09 Sold (Public Records) — Public Records
• 1996-10-07 Sold (Public Records) — Public Records

Property tax history

+5.5%/yr

Latest (2024): $1,359 · +4.7% YoY. Source: county tax records.