5661 Waterman Blvd Unit 1N · St. Louis, MO
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $1,054 – $1,958
Heat risk 5/10 · Moderate
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- Cash flow +7.7/30.0
- Rent growth +3.1/5.0
- Livability +2.5/5.0
- Condition / age +2.5/5.0
- DSCR +1.8/10.0
- Schools +1.2/10.0
- Appreciation +0.0/10.0
$95,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
Key facts
- First-floor unit
- Updated kitchen
- Breakfast bar
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath condo listed at $95k.
Deal economics
- At list price, monthly cash flow is $-111 ($-1k/yr) — negative.
- To cash-flow at today's rent, offer at most $75k (20.7% below list).
- Meets the 1% rule at list price ($1k rent vs $95k).
- Recommended offer: $75k (20.7% below list) — sets the bar for cash-flow.
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: Nahed Chapman New American Aca (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 335 students, 99% FRL); Gateway Middle (math 0% / reading 8%, grade F, #389 of 391 statewide, top 100%, 506 students, 99% FRL); Sumner High (math 2% / reading 2%, grade F, #520 of 521 statewide, top 100%, 264 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 (+2.4%/yr); 122 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
- This rent runs 38% of the median local income ($46k/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 $657 of loan paydown is wiped out by about $3k 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 116 days — a 9% lower offer ($86k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: HOA is 39% of rent; built in 1914 — 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.
Questions for the listing agent
- 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?
- It's been on market 116 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
- Built in 1914 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.51% ✓
- Cap rate
- 4.89%
- Cash-on-cash
- -5.01%
- DSCR
- 0.78
- GRM
- 5.5
CMA / ARV
- ARV (median comp)
- $144,061
- List price
- $95,000
- Delta
- -34.06%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Projected returns pro-forma
-3.0% appreciation · 2.39% rent growth · sell at horizon
- IRR
- -25.6%
- Equity multiple
- 0.14×
- Total profit
- $-22,963
- Equity at exit
- $14,165
- IRR
- -24.4%
- Equity multiple
- -0.17×
- Total profit
- $-31,100
- Equity at exit
- $8,214
Cash invested: $26,600 (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
ZIP-level market 63112
- Rents YoY
- 2.4%
- Active inventory
- 122
- Price-to-rent
- 5.5×
Monthly cashflow live
- Estimated rent
- $1,433 high interval (Pro) →
- Mortgage (P&I)
- −$498
- Tax from tax record
- −$148 /mo · $1,778/yr
- Insurance
- −$40
- HOA
- −$557
- Vacancy / Maint / Mgmt
- −$301
- Net cashflow
- $-111
Break-even live
Sensitivity live
| Price | -10% $-57 | -5% $-84 | +0% $-111 | +5% $-138 | +10% $-165 |
|---|---|---|---|---|---|
| Rent | -10% $-224 | -5% $-168 | +0% $-111 | +5% $-55 | +10% $2 |
| Rate | -1.0pp $-63 | -0.5pp $-87 | base $-111 | +0.5pp $-136 | +1.0pp $-161 |
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
- $23,750
- Closing costs
- $2,850
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5660 Kingsbury Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 789 | $1,550 | $1.96 | 45d | 23 | 0.05mi |
| 5660 Kingsbury Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 789 | $1,520 | $1.93 | 5d | 16 | 0.05mi |
| 415 DeBaliviere Ave Unit 208 St. Louis, MO | 2.0 | 2.0 | 955 | $1,700 | $1.78 | 18d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 212 St. Louis, MO | 1.0 | 1.0 | 730 | $1,350 | $1.85 | 45d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 201 St. Louis, MO | 2.0 | 1.0 | 842 | $1,599 | $1.90 | 18d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 101 St. Louis, MO | 2.0 | 2.0 | 976 | $1,750 | $1.79 | 18d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 211 St. Louis, MO | 1.0 | 1.0 | 688 | $1,275 | $1.85 | 45d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 202 St. Louis, MO | 1.0 | 1.0 | 811 | $1,500 | $1.85 | 45d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 209 St. Louis, MO | 1.0 | 1.0 | 650 | $1,215 | $1.87 | 45d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 203 St. Louis, MO | 1.0 | 1.0 | 650 | $1,200 | $1.85 | 45d | 1 | 0.07mi |
| 415 DeBaliviere Ave Unit 106 St. Louis, MO | 1.0 | 1.0 | 659 | $1,200 | $1.82 | 16d | 1 | 0.07mi |
| 5621 Pershing Ave Saint Louis, MO | 1.0 | 1.0 | 670 | $1,200 | $1.79 | 45d | 1 | 0.09mi |
| 5630 Pershing Ave Saint Louis, MO | 1.0 | 1.0 | 800 | $1,325 | $1.66 | 4d | 1 | 0.12mi |
| 299 DeBaliviere Ave St. Louis, MO | 1.0 | 1.0–1.5 | 738 | $2,505 | $3.39 | 12d | 13 | 0.13mi |
| 5616 Pershing Ave Apt 11 St. Louis, MO | 1.0 | 1.0 | 800 | $995 | $1.24 | 45d | 1 | 0.13mi |
| 501 Clara Ave Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 850 | $1,845 | $2.17 | 16d | 21 | 0.13mi |
| 501 Clara Ave Saint Louis, MO | 2.0 | 1.0–2.0 | 1040 | $1,742 | $1.67 | 0d | 19 | 0.13mi |
| 299 DeBaliviere Ave Unit S522 St. Louis, MO | 1.0 | 1.0 | 634 | $1,987 | $3.13 | 45d | 1 | 0.14mi |
| 5535 Pershing Ave Unit 11 St. Louis, MO | 1.0 | 1.0 | 800 | $1,095 | $1.37 | 16d | 1 | 0.25mi |
| 629 Clara Ave Apt 28 St. Louis, MO | 2.0 | 1.0 | 672 | $1,150 | $1.71 | 0d | 1 | 0.26mi |
| 5560 Delmar Blvd Saint Louis, MO | 1.0–2.0 | 1.0–2.0 | 752 | $1,395 | $1.85 | 18d | 1 | 0.27mi |
| 5621 Delmar Blvd Saint Louis, MO | 1.0 | 1.0 | 612 | $1,132 | $1.85 | 0d | 5 | 0.28mi |
| 5510 Pershing Ave Saint Louis, MO | 2.0 | 1.0–2.0 | 722 | $2,020 | $2.80 | 0d | 17 | 0.31mi |
| 5535 Delmar Blvd St. Louis, MO | 1.0–2.0 | 1.0–2.0 | 884 | $1,970 | $2.23 | 0d | 16 | 0.33mi |
| 5500 Delmar Blvd Unit 5540-Apt 202 St. Louis, MO | 2.0 | 2.0 | 875 | $1,395 | $1.59 | 9d | 1 | 0.34mi |
| 5855 Washington Blvd Unit 1A St. Louis, MO | 2.0 | 1.0 | 850 | $999 | $1.18 | 45d | 1 | 0.37mi |
| 5457 Delmar Blvd St. Louis, MO | 1.0 | 1.0 | 481 | $810 | $1.68 | 0d | 7 | 0.39mi |
| 5572 Clemens Ave Unit 1W St. Louis, MO | 3.0 | 1.0 | 900 | $1,025 | $1.14 | 16d | 1 | 0.42mi |
| 807 Clara Ave Unit 2 St. Louis, MO | 1.0 | 1.0 | 650 | $699 | $1.08 | 45d | 1 | 0.46mi |
| 807 Clara Ave Unit 7 St. Louis, MO | 1.0 | 1.0 | 650 | $699 | $1.08 | 19d | 1 | 0.46mi |
| 807 Clara Ave Unit 3 St. Louis, MO | 1.0 | 1.0 | 650 | $699 | $1.08 | 9d | 1 | 0.46mi |
| 807 Clara Ave Unit 34 St. Louis, MO | 1.0 | 1.0 | 650 | $799 | $1.23 | 19d | 1 | 0.46mi |
| 807 Clara Ave Apt 33 St. Louis, MO | 1.0 | 1.0 | 650 | $799 | $1.23 | 45d | 1 | 0.46mi |
| 5330 Pershing Ave #606 Saint Louis, MO | 2.0 | 2.0 | 845 | $1,145 | $1.36 | 0d | 1 | 0.47mi |
| 5316 Pershing Ave Saint Louis, MO | 1.0–2.0 | 1.0 | 770 | $1,500 | $1.95 | 0d | 4 | 0.51mi |
| 275 Union Blvd St. Louis, MO | 3.0 | 1.0–3.0 | 1317 | $3,426 | $2.60 | 0d | 63 | 0.54mi |
| 5740 Cabanne Ave Saint Louis, MO | 1.0 | 1.0 | 650 | $625 | $0.96 | 45d | 1 | 0.59mi |
| 5811 Cabanne Ave St. Louis, MO | 2.0 | 1.0 | 800 | $1,250 | $1.56 | 45d | 1 | 0.65mi |
| 5803 Cabanne Ave Saint Louis, MO | 2.0 | 1.0 | 600 | $1,200 | $2.00 | 6d | 1 | 0.65mi |
| 6048 Washington Blvd Unit 1W St. Louis, MO | 2.0 | 2.0 | 1012 | $1,475 | $1.46 | 45d | 1 | 0.70mi |
HOA detail condo
- Monthly dues
- $557 · $6,684/yr
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 10 events
-
2026-05-05status Pending 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-04-24price $95,000 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-04-12price $99,500 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-03-29price $101,900 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-03-16price $119,900 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-02-26price $129,900 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-02-05price $135,000 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-01-21price $145,000 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2026-01-09$150,000 Active 1025-char remark
Show marketing remark (1025 chars)
Completely rebuilt from top to bottom, this beautifully updated first-floor unit offers modern comfort in a classic brick building. Inside, you’ll find an open and inviting living space with luxury plank flooring, neutral paint tones, recessed lighting, and abundant natural light throughout. The updated kitchen features crisp white cabinetry, sleek black countertops, stainless steel appliances, and a convenient breakfast bar that opens to the main living area—ideal for both everyday living and entertaining. Spacious bedrooms include generous closet space and ceiling fans, while the fully renovated bathroom offers clean, contemporary finishes and ample storage. Additional highlights include in-unit laundry hookups, private entry access, and dedicated off-street parking. Located near Forest Park, major universities, dining, highways, and within walking distance to public transportation, this move-in-ready unit is an excellent opportunity for an owner-occupant or investor. Schedule your showing today!
-
2006-11-06soldstatus $156,000
ⓘ 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
- $1,778 · $148/mo
- Projected year-2 tax
- $1,778 · $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 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $17,192
- − Mortgage interest
- −$5,321
- − Property taxes
- −$1,778
- − Insurance
- −$475
- − Repairs & maintenance
- −$1,375
- − Management
- −$1,375
- − HOA
- −$6,684
- − Depreciation
- −$2,764
- Taxable loss
- −$2,581
- Est. tax savings @ 24.0%
- +$619
- After-tax cash flow
- $-714/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)
- 17,985
- Household income
- $45,542
- Rent vs Own
- Severe rent burden
- 1457.0
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
- Majority Black (63%)
- Race & ethnicity
- Black 63% White 24% Asian 6% Two or more races 5% Hispanic / Latino 4%
- Common ancestry
- Lithuanian 1% Scotch-Irish 1% Romanian 1%
- Foreign-born
- 9% · China, South Korea, Canada
- Languages at home
- 88% English-only · Spanish 3% Chinese 2% Korean 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
- ▼ -158.94%
- Current HPI
- 115.1863
- Rent YoY
- ▲ 2.39%
- 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 |
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| Insurance | 1 | $21B |
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| Industrial Technology | 1 | $17B |
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| Retail | 1 | $16B |
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| Industrial Distribution | 1 | $10B |
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| Utilities | 1 | $9B |
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Price history
-39.1% since first listed10 events — show timeline
- 2026-05-05 Pending — MARIS as Distributed by MLS Grid
- 2026-04-24 Price Changed $95,000 MARIS as Distributed by MLS Grid
- 2026-04-12 Price Changed $99,500 MARIS as Distributed by MLS Grid
- 2026-03-29 Price Changed $101,900 MARIS as Distributed by MLS Grid
- 2026-03-16 Price Changed $119,900 MARIS as Distributed by MLS Grid
- 2026-02-26 Price Changed $129,900 MARIS as Distributed by MLS Grid
- 2026-02-05 Price Changed $135,000 MARIS as Distributed by MLS Grid
- 2026-01-21 Price Changed $145,000 MARIS as Distributed by MLS Grid
- 2026-01-09 Listed $150,000 MARIS as Distributed by MLS Grid
- 2006-11-06 Sold (Public Records) $156,000 Public Records
Property tax history
+2.2%/yrLatest (2023): $1,778 · +1.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…