10112 Lord Dr · Castle Point, MO 63136

$30,000

1 bd · 1.0 ba · 704 sqft · SingleFamily public records · 13 Days on market

Built 1930 6,499 sqft lot

---

Why this score? — see what drove the B 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 +7.5/15.0
• Appreciation +6.9/10.0
• Rent growth +3.7/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +0.4/10.0

Listing remarks

Great opportunity for an owner-occupant or investor! This 1-bedroom, 1-bath home offers plenty of potential and could easily be converted into a 2-bedroom property. Renovation work has already been started, providing the new owner with a blank canvas to finish the project to their liking. The basement offers additional space and possibilities for storage or future improvements. Bring your vision and build instant equity in this value-add opportunity!

Key facts

• Storage
• Basement
• Additional space

Tags

• CONVERTED INTO A 2-BEDROOM
• RENOVATION WORK STARTED
• BASEMENT
• ADDITIONAL SPACE
• STORAGE

Property features AI

Exterior

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

Interior

• Bedrooms: 1 bedroom on the main level
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: No heating; No cooling
• Interior features: Unfinished concrete basement

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $30k.

Deal economics

• At list price, monthly cash flow is $564 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($995 rent vs $30k).
• Cap rate 28.9% vs local median 13.0% in Castle Point — 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 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: Lewis And Clark Elem. (math 2% / reading 2%, grade F, #1,099 of 1,115 statewide, top 100%, 145 students, 98% 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); 372 active listings in the ZIP; lower-income renter base — watch delinquency; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).

Forward outlook

• In year one you build about $1k of equity ($207 loan paydown + $1k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $8k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1930 — 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 $30,000

Questions for the listing agent

1. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 3.32% ✓
• Cap rate: 28.87%
• Cash-on-cash: 80.62%
• DSCR: 4.59
• GRM: 2.5

CMA / ARV

• ARV (on-the-fly): $78,848
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10040 Lord Dr	0.11mi	2/1.0 (+1)	672 (-4%)	4mo	$10,000	$15	79
10182 Count Dr	0.20mi	2/1.0 (+1)	702 (-0%)	17mo	$90,000	$128	71
10417 Lord Dr	0.42mi	2/1.0 (+1)	702 (-0%)	11mo	$79,000	$113	66
10167 Count Dr	0.16mi	2/1.0 (+1)	624 (-11%)	7mo	$69,900	$112	63
10353 Lord Dr	0.34mi	2/1.0 (+1)	729 (+4%)	14mo	$1,113,000	$1,527	61
10019 Lord Dr	0.15mi	2/1.0 (+1)	795 (+13%)	7mo	$37,999	$48	60
10437 Lord Dr	0.45mi	2/1.0 (+1)	702 (-0%)	17mo	$63,000	$90	59
10429 Earl Dr	0.45mi	2/1.0 (+1)	770 (+9%)	1mo	$35,000	$45	58
10417 Duke Dr	0.43mi	2/1.0 (+1)	770 (+9%)	7mo	$35,000	$45	53
10404 Earl Dr	0.40mi	2/1.0 (+1)	770 (+9%)	16mo	$69,900	$91	48
10504 Duke Dr	0.55mi	2/1.0 (+1)	770 (+9%)	9mo	$115,000	$149	46
10076 Ashbrook Dr NE	0.73mi	2/1.0 (+1)	792 (+12%)	10mo	$105,000	$133	32

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: 87.7%
• Equity multiple: 6.10×
• Total profit: $42,864
• Equity at exit: $14,844

10-year hold

• IRR: 87.2%
• Equity multiple: 13.37×
• Total profit: $103,921
• Equity at exit: $23,990

Cash invested: $8,400 (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: 372
• Price-to-rent: 2.5×

Monthly cashflow live

• Estimated rent: $995 medium
• Mortgage (P&I): −$157
• Tax from tax record: −$52 /mo · $625/yr
• Insurance: −$12
• HOA: −$0
• Vacancy / Maint / Mgmt: −$209
• Net cashflow: $564

Break-even live

Break-even rent $281

Max offer price $30,000

Occupancy floor 38%

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: $7,500
• Closing costs: $900
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-06-18
   days on market $30,000 Active 13 DOM
2. 2026-06-17
   days on market $30,000 Active 12 DOM
3. 2026-06-16
   days on market $30,000 Active 11 DOM
4. 2026-06-15
   days on market $30,000 Active 10 DOM
5. 2026-06-13
   days on market $30,000 Active 8 DOM
6. 2026-06-13
   days on market $30,000 Active 7 DOM
7. 2026-06-09
   days on market $30,000 Active 4 DOM
8. 2026-06-08
   days on market $30,000 Active 3 DOM
9. 2026-06-07
   remarks 454-char remark
10. 2026-06-07
    listed $30,000 Active 2 DOM

ⓘ 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: $625 · $52/mo
• Projected year-2 tax: $625 · $52/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: $11,943
• − Mortgage interest: −$1,680
• − Property taxes: −$625
• − Insurance: −$150
• − Repairs & maintenance: −$955
• − Management: −$955
• − Depreciation: −$873
• Taxable income: $6,704
• Est. tax owed @ 24.0%: −$1,609
• After-tax cash flow: $5,163/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

• Census place: Castle Point, MO
• 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

4 events — show timeline

• 2026-06-05 Listed $30,000 MARIS as Distributed by MLS Grid
• 1992-06-24 Sold (Public Records) — Public Records
• 1992-06-24 Sold (Public Records) — Public Records
• 1987-10-01 Sold (Public Records) — Public Records

Property tax history

+7.8%/yr

Latest (2022): $625 · +0.4% YoY. Source: county tax records.