11035 Warwickhall Dr · Bridgeton, MO 63044

$225,000

3 bd · 2.0 ba · 960 sqft · SingleFamily public records · 4 Days on market

Built 1964 8,123 sqft lot Est $208k · 8% over

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Why this score? — see what drove the F 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 +9.1/30.0
• ARV discount +3.9/15.0
• Schools +3.4/10.0
• Livability +2.8/5.0
• DSCR +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks

Charming 3-Bed, 2-Bath Ranch with Finished Space & Fantastic Backyard This ranch blends comfort, convenience, and outdoor living in one welcoming package. Step inside to find hardwood floors, ceramic tile, and a main-level flow that feels instantly like home. The partially finished lower level adds incredible versatility — complete with a full bathroom, recreation space, and room to expand or customize. Whether you need a play area, media room, home gym, or guest space, this basement is ready for it. Out back, the level fenced-in yard is a true standout. Perfect for pets, kids, and outdoor gatherings, it includes a storage shed for tools and toys plus a gazebo that sets the scen

Key facts

• 8,123 sq ft lot
• Parking
• Built 1964

Property features AI

Finance

• Other: Living area approximately 1,360 (960 above grade, 400 below grade)
• Financial info: Lease not considered

Exterior

• Parking: Carport with one space
• Utilities: Public water; Public sewer; 220-volt electric service; Underground utilities
• Home design: Single-family residence; One level
• Construction: Brick and vinyl siding exterior; Concrete perimeter permanent foundation
• Exterior features: Wood fencing (fenced yard); Shed(s); Level lot

Interior

• Kitchen: Stainless steel appliances; Dishwasher; Gas range
• Bedrooms: Three bedrooms on the main level
• Flooring: Carpet; Ceramic tile; Hardwood
• Bathrooms: Two full bathrooms (one on main level, one in basement)
• Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fans
• Interior features: Eat-in kitchen; Partially finished basement with storage and a bathroom; French and panel doors
• Laundry & utility: Basement utility/storage space

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $-171 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $195k (13.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $163k (27.7% below list).
• Recommended offer: $163k (27.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 56/100 on livability (#691 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
• Pattonville R-III (suburban): math 32% / reading 46% proficiency, ranked #147 of 324 in MO (top 45%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Bridgeway Elem. (math 27% / reading 35%, grade F, #805 of 1,115 statewide, top 72%, 456 students, 42% FRL); Pattonville Sr. High (math 33% / reading 64%, grade D, #147 of 521 statewide, top 29%, 1,893 students, 39% FRL) — zoned schools at 40% FRL track the district average.
• Market conditions: 30 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $95k; list at $225k implies a 137% gain — meaningful room to come down on a strong offer.

Recommended offer $162,575 (27.7% below list)

Questions for the listing agent

1. 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?
2. Built in 1964 — 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. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.72% ✗
• Cap rate: 5.38%
• Cash-on-cash: -3.26%
• DSCR: 0.86
• GRM: 11.5

CMA / ARV

• ARV (on-the-fly): $208,320
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10998 Whitbyhall Dr	0.15mi	3/2.5	1,056 (+10%)	2mo	$199,900	$189	73
11061 Galaxy Dr	0.41mi	3/2.0	980 (+2%)	6mo	$230,000	$235	73
11035 Saturn Dr	0.51mi	3/1.0	960 (0%)	2mo	$245,000	$255	70
11093 Saturn Dr	0.56mi	3/1.0	960 (0%)	1mo	$250,000	$260	69
3524 Theresa Ave	0.57mi	3/1.0	960 (0%)	4mo	$144,900	$151	66
6 Al Lin Ct	0.70mi	3/1.0	960 (0%)	0mo	$250,000	$260	63
2825 Fee Fee Rd	0.63mi	3/1.0	927 (-3%)	2mo	$239,000	$258	59
3494 Ludlow Ave	0.63mi	3/1.0	1,052 (+10%)	1mo	$160,000	$152	50
11328 De Runtz Ave	0.67mi	2/1.0 (-1)	924 (-4%)	8mo	$175,000	$189	47
3717 Midview Ave	0.66mi	3/2.5	1,104 (+15%)	4mo	$239,900	$217	39
11040 Florence Ave	0.48mi	2/1.0 (-1)	816 (-15%)	7mo	$139,900	$171	38
3519 High Dr	0.72mi	2/1.0 (-1)	816 (-15%)	7mo	$150,000	$184	26

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -21.8%
• Equity multiple: 0.25×
• Total profit: $-47,381
• Equity at exit: $33,548

10-year hold

• IRR: -15.6%
• Equity multiple: 0.12×
• Total profit: $-55,424
• Equity at exit: $19,454

Cash invested: $63,000 (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 63044

• Active inventory: 30
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,626 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$182 /mo · $2,179/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $-171

Break-even live

Break-even rent $1,842

Max offer price $194,810

Occupancy floor —

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11091 Saxonhall Dr Bridgeton, MO	3.0	1.0	1034	$1,706	$1.65	17d	1	0.14mi
11120 Graben Dr St Ann, MO	1.0–2.0	1.0–1.5	850	$1,250	$1.47	1d	14	0.36mi
11042 Florence Ave Saint Ann, MO	3.0	1.0	864	$1,300	$1.50	12d	1	0.49mi
3253 Greenbridge Dr Bridgeton, MO	3.0	1.5	1066	$2,561	$2.40	10d	1	0.71mi
7 Edgeworth Ave Maryland Heights, MO	3.0	1.5	988	$1,995	$2.02	23d	1	1.33mi
10788 Tropic Dr Saint Ann, MO	2.0	1.0	828	$1,260	$1.52	43d	1	1.35mi
10742 Tropic Dr Unit VACANT St Ann, MO	2.0	1.0	800	$1,200	$1.50	43d	1	1.45mi

Listing history 10 events

1. 2026-06-01
   status $225,000 Pending 4 DOM
2. 2026-05-31
   days on market $225,000 Active 4 DOM
3. 2026-05-18
   historical $225,000
4. 2009-06-04
   soldstatus $94,900
5. 2005-09-22
   soldstatus $97,000
6. 2005-09-22
   soldstatus $550,000
7. 1999-06-10
   soldstatus
8. 1999-03-10
   soldstatus $80,000
9. 1991-12-03
   soldstatus
10. 1984-04-01
    soldstatus $45,750

ⓘ 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: $2,179 · $182/mo
• Projected year-2 tax: $2,182 · $182/mo
• Expected delta: +$4/yr ($0/mo · 0.2%)

ⓘ 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 4/10 Moderate 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 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,509
• − Mortgage interest: −$12,603
• − Property taxes: −$2,179
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,561
• − Management: −$1,561
• − Depreciation: −$6,545
• Taxable loss: −$6,065
• Est. tax savings @ 24.0%: +$1,456
• After-tax cash flow: $-595/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: Pattonville R-III
• NCES district ID: 2923700
• Math proficiency: 32% ▼ -11.00%
• Reading proficiency: 46% ▼ -5.00%
• Median HH income: $50,786
• Composite: 33.69/100
• National rank: #5383
• State rank: #147 of 324 in MO

Livability — Bridgeton

• Score: 56/100
• State rank: #691
• US rank: #22610

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bridgeton, MO
• City population: 10,510
• Population (ZIP): 10,510

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: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 63% Black 19% Hispanic / Latino 11% Two or more races 5% Asian 2% Native American 1%
• Hispanic origin (detail): Mexican 6%
• Common ancestry: Swedish 4% Lithuanian 3% Slovak 2%
• Foreign-born: 13% · Canada, China, Vietnam
• Languages at home: 84% English-only · Spanish 10% Other Asian/Pacific 1% Chinese 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: ▼ -254.60%
• Current HPI: 207.5311
• Rent YoY: —
• Metro: —
• 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

+391.8% since first listed

8 events — show timeline

• 2026-05-18 Coming Soon $225,000 MARIS as Distributed by MLS Grid
• 2009-06-04 Sold (Public Records) $94,900 Public Records
• 2005-09-22 Sold (Public Records) $550,000 Public Records
• 2005-09-22 Sold (Public Records) $97,000 Public Records
• 1999-06-10 Sold (Public Records) — Public Records
• 1999-03-10 Sold (Public Records) $80,000 Public Records
• 1991-12-03 Sold (Public Records) — Public Records
• 1984-04-01 Sold (Public Records) $45,750 Public Records

Property tax history

+4.9%/yr

Latest (2022): $2,179 · +1.3% YoY. Source: county tax records.