None · Glasgow Village, MO 63137

$89,000

3 bd · 1.0 ba · 873 sqft · SingleFamily public records · 86 Days on market

Built 1954 6,381 sqft lot $102/sqft · 20% above area Est $74k · 20% over

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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

Charming opportunity located in a highly desirable investor area. This 3-bedroom, 1-bath home offers strong rental potential with a functional layout and solid fundamentals, making it an ideal addition to any portfolio or a great option for an owner-occupant looking to build equity. Property has already passed municipal occupancy, making it move-in ready or rent-ready from day one. Positioned in a high-demand rental pocket, this property presents an affordable entry point with upside potential and long-term value. Whether you’re expanding your portfolio or securing a home in a proven area, this one checks the boxes. Property is being sold as-is. Must be end buyer—no wholesalers or assignments will be accepted.

Key facts

• Move-in ready
• Functional layout
• Long-term value

Tags

• STRONG RENTAL POTENTIAL
• FUNCTIONAL LAYOUT
• MOVE-IN READY
• HIGH-DEMAND RENTAL POCKET
• LONG-TERM VALUE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $89k.

Deal economics

• At list price, monthly cash flow is $544 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $89k).
• Recommended offer: $84k (6.0% 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 40% 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 $615 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 $25k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($84k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask has dropped $26k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $63k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1954 — 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 $83,660 (6.0% below list)

Questions for the listing agent

1. It's been on market 86 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.62% ✓
• Cap rate: 13.62%
• Cash-on-cash: 26.17%
• DSCR: 2.16
• GRM: 5.1

CMA / ARV

• ARV (median comp): $74,007
• List price: $89,000
• Delta: 20.26%
• 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
237 Ben Nevis Rd	0.15mi	3/1.0	873 (0%)	1mo	$89,000	$102	92
10640 Spring Garden Dr	0.25mi	3/1.0	873 (0%)	1mo	$77,500	$89	88
200 Mcalpine Dr	0.26mi	3/2.0	927 (+6%)	0mo	$90,000	$97	73
10746 Glen Garry Rd	0.40mi	3/1.0	927 (+6%)	1mo	$89,900	$97	71
151 Brigadoon Cir	0.39mi	3/1.0	927 (+6%)	2mo	$34,900	$38	70
147 Monteith Cir	0.47mi	3/1.0	909 (+4%)	2mo	$24,900	$27	70
158 Monteith Cir	0.44mi	3/1.0	927 (+6%)	0mo	$94,900	$102	69
161 Cameron Rd	0.24mi	3/1.0	984 (+13%)	1mo	$105,000	$107	67
10539 Renfrew Dr	0.60mi	3/1.0	854 (-2%)	2mo	$119,900	$140	67
10624 Spring Garden Dr	0.22mi	3/1.0	1,001 (+15%)	2mo	$24,900	$25	64
10300 Ross Cir	0.40mi	3/1.0	980 (+12%)	1mo	$105,000	$107	60
10519 Renfrew Dr	0.60mi	3/1.5	982 (+12%)	2mo	$95,000	$97	47

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: 23.9%
• Equity multiple: 2.03×
• Total profit: $25,611
• Equity at exit: $13,270

10-year hold

• IRR: 33.9%
• Equity multiple: 4.64×
• Total profit: $90,803
• Equity at exit: $7,695

Cash invested: $24,920 (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: 5.1×

Monthly cashflow live

• Estimated rent: $1,444 high
• Mortgage (P&I): −$467
• Tax from tax record: −$94 /mo · $1,125/yr
• Insurance: −$37
• HOA: −$0
• Vacancy / Maint / Mgmt: −$303
• Net cashflow: $544

Break-even live

Break-even rent $756

Max offer price $89,000

Occupancy floor 57%

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: $22,250
• Closing costs: $2,670
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
138 Grampian Rd Saint Louis, MO	3.0	1.0	873	$1,499	$1.72	43d	1	0.01mi
157 Perthshire Rd Saint Louis, MO	3.0	1.0	873	$1,850	$2.12	43d	1	0.06mi
117 Glen Garry Rd Saint Louis, MO	3.0	1.0	1000	$1,175	$1.18	2d	1	0.12mi
237 Grampian Rd Saint Louis, MO	3.0	1.0	873	$1,499	$1.72	43d	1	0.16mi
241 Grampian Rd Saint Louis, MO	3.0	1.0	837	$1,250	$1.49	43d	1	0.17mi
10613 Spring Garden Dr Saint Louis, MO	3.0	1.0	873	$1,169	$1.34	23d	1	0.17mi
225 Ben Nevis Rd Saint Louis, MO	3.0	1.0	873	$1,250	$1.43	2d	1	0.18mi
204 Tay Rd Saint Louis, MO	4.0	1.5	854	$1,500	$1.76	17d	1	0.25mi
257 Glen Garry Rd Saint Louis, MO	3.0	1.0	873	$1,025	$1.17	14d	1	0.29mi
10650 Dunkeld Cir Saint Louis, MO	3.0	1.0	854	$1,250	$1.46	7d	1	0.29mi
120 McAlpine Dr Saint Louis, MO	3.0	1.0	927	$1,399	$1.51	43d	1	0.29mi
251 Midlothian Rd Saint Louis, MO	3.0	1.0	1058	$1,499	$1.42	43d	1	0.31mi
10617 Dunkeld Cir Saint Louis, MO	3.0	1.0	873	$1,299	$1.49	43d	1	0.32mi
10617 Dunkeld Cir Saint Louis, MO	3.0	1.0	873	$1,299	$1.49	7d	1	0.32mi
10700 Spring Garden Dr Saint Louis, MO	3.0	1.0	816	$1,499	$1.84	23d	1	0.32mi
232 Cameron Rd Saint Louis, MO	3.0	1.0	984	$1,295	$1.32	12d	1	0.33mi
10432 Balmoral Dr Saint Louis, MO	4.0	1.0	826	$1,600	$1.94	1d	1	0.33mi
323 Shepley Dr Saint Louis, MO	3.0	1.0	850	$1,175	$1.38	1d	1	0.33mi
10732 Spring Garden Dr Saint Louis, MO	3.0	1.0	927	$1,350	$1.46	23d	1	0.39mi
305 Lancashire Rd Saint Louis, MO	3.0	1.0	854	$1,100	$1.29	17d	1	0.41mi
329 Midlothian Rd Saint Louis, MO	3.0	1.0	854	$1,195	$1.40	2d	1	0.42mi
10748 Spring Garden Dr Saint Louis, MO	3.0	1.0	927	$1,195	$1.29	43d	1	0.42mi
312 Banff Cir Saint Louis, MO	3.0	1.0	854	$1,175	$1.38	23d	1	0.43mi
10752 Spring Garden Dr Saint Louis, MO	3.0	1.0	927	$1,000	$1.08	17d	1	0.43mi
317 Cameron Rd Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	23d	1	0.44mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,540	$1.80	43d	1	0.46mi
325 Caithness Rd Saint Louis, MO	3.0	1.0	854	$1,425	$1.67	11d	1	0.46mi
409 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,095	$1.28	4d	1	0.46mi
10772 Spring Garden Dr Saint Louis, MO	3.0	1.0	927	$1,450	$1.56	43d	1	0.47mi
10527 Prestwick Dr Saint Louis, MO	3.0	2.0	854	$1,395	$1.63	7d	1	0.51mi
10518 Gretna Cir Saint Louis, MO	3.0	1.0	1082	$1,450	$1.34	23d	1	0.53mi
432 Midlothian Rd Saint Louis, MO	3.0	1.0	1120	$1,350	$1.21	10d	1	0.54mi
457 Shepley Dr Saint Louis, MO	3.0	1.0	854	$1,350	$1.58	23d	1	0.57mi
437 Lancashire Rd Saint Louis, MO	3.0	1.0	1082	$1,395	$1.29	43d	1	0.58mi
416 Crawford Rd Saint Louis, MO	3.0	1.0	844	$1,499	$1.78	23d	1	0.60mi
10519 Renfrew Dr Saint Louis, MO	3.0	1.5	982	$1,399	$1.42	43d	1	0.61mi
10524 Durness Dr Saint Louis, MO	3.0	1.0	1000	$1,250	$1.25	43d	1	0.64mi
10309 Galloway Dr Saint Louis, MO	3.0	1.0	892	$1,295	$1.45	12d	1	0.64mi
10063 Northgate Dr Saint Louis, MO	2.0	1.0	1054	$1,200	$1.14	43d	1	0.68mi
10327 Renfrew Dr Saint Louis, MO	3.0	1.0	844	$1,199	$1.42	43d	1	0.70mi

Listing history 32 events

1. 2026-06-18
   days on market $89,000 Active 86 DOM
2. 2026-06-17
   days on market $89,000 Active 85 DOM
3. 2026-06-16
   days on market $89,000 Active 84 DOM
4. 2026-06-16
   price $89,000 Active 83 DOM
5. 2026-06-15
   days on market $94,900 Active 83 DOM
6. 2026-06-13
   days on market $94,900 Active 81 DOM
7. 2026-06-13
   days on market $94,900 Active 80 DOM
8. 2026-06-09
   days on market $94,900 Active 77 DOM
9. 2026-06-08
   days on market $94,900 Active 76 DOM
10. 2026-06-07
    days on market $94,900 Active 75 DOM
11. 2026-06-05
    days on market $94,900 Active 72 DOM
12. 2026-06-03
    days on market $94,900 Active 71 DOM
13. 2026-06-02
    remarks 699-char remark
14. 2026-06-02
    days on market $94,900 Active 70 DOM
15. 2026-06-01
    days on market $94,900 Active 69 DOM
16. 2026-05-31
    days on market $94,900 Active 68 DOM
17. 2026-05-10
    price $1,100
18. 2026-05-08
    price $94,900 734-char remark

    Show marketing remark (734 chars)

    Charming opportunity located in a highly desirable investor area. This 3-bedroom, 1-bath home offers strong rental potential with a functional layout and solid fundamentals, making it an ideal addition to any portfolio or a great option for an owner-occupant looking to build equity. Property has already passed municipal occupancy, making it move-in ready or rent-ready from day one. Positioned in a high-demand rental pocket, this property presents an affordable entry point with upside potential and long-term value. Whether you’re expanding your portfolio or securing a home in a proven area, this one checks the boxes. Property is being sold as-is. Must be end buyer—no wholesalers or assignments will be accepted.

19. 2026-04-22
    price $104,900 734-char remark

    Show marketing remark (734 chars)

    Charming opportunity located in a highly desirable investor area. This 3-bedroom, 1-bath home offers strong rental potential with a functional layout and solid fundamentals, making it an ideal addition to any portfolio or a great option for an owner-occupant looking to build equity. Property has already passed municipal occupancy, making it move-in ready or rent-ready from day one. Positioned in a high-demand rental pocket, this property presents an affordable entry point with upside potential and long-term value. Whether you’re expanding your portfolio or securing a home in a proven area, this one checks the boxes. Property is being sold as-is. Must be end buyer—no wholesalers or assignments will be accepted.

20. 2026-04-22
    price $1,200

    Show marketing remark (734 chars)

    Charming opportunity located in a highly desirable investor area. This 3-bedroom, 1-bath home offers strong rental potential with a functional layout and solid fundamentals, making it an ideal addition to any portfolio or a great option for an owner-occupant looking to build equity. Property has already passed municipal occupancy, making it move-in ready or rent-ready from day one. Positioned in a high-demand rental pocket, this property presents an affordable entry point with upside potential and long-term value. Whether you’re expanding your portfolio or securing a home in a proven area, this one checks the boxes. Property is being sold as-is. Must be end buyer—no wholesalers or assignments will be accepted.

21. 2026-03-24
    listed $114,900 Active 734-char remark

    Show marketing remark (734 chars)

    Charming opportunity located in a highly desirable investor area. This 3-bedroom, 1-bath home offers strong rental potential with a functional layout and solid fundamentals, making it an ideal addition to any portfolio or a great option for an owner-occupant looking to build equity. Property has already passed municipal occupancy, making it move-in ready or rent-ready from day one. Positioned in a high-demand rental pocket, this property presents an affordable entry point with upside potential and long-term value. Whether you’re expanding your portfolio or securing a home in a proven area, this one checks the boxes. Property is being sold as-is. Must be end buyer—no wholesalers or assignments will be accepted.

22. 2026-03-14
    price $1,350
23. 2026-02-03
    listed $1,499
24. 2021-11-16
    soldstatus $63,400
25. 2021-11-04
    soldstatus Closed 284-char remark

    Show marketing remark (284 chars)

    Tenant occupied. No showings without accepted contract. Section 8 rent is $915. Tenant moved in February 2021. House was remodelled before move in with flooring, paint, remodelled kitchen and bathroom, and water heater. Furnace, AC, and A coil are 2 years old. This is a clean house!

26. 2021-10-04
    status Pending 284-char remark

    Show marketing remark (284 chars)

    Tenant occupied. No showings without accepted contract. Section 8 rent is $915. Tenant moved in February 2021. House was remodelled before move in with flooring, paint, remodelled kitchen and bathroom, and water heater. Furnace, AC, and A coil are 2 years old. This is a clean house!

27. 2021-09-30
    listed $64,900 Active 284-char remark

    Show marketing remark (284 chars)

    Tenant occupied. No showings without accepted contract. Section 8 rent is $915. Tenant moved in February 2021. House was remodelled before move in with flooring, paint, remodelled kitchen and bathroom, and water heater. Furnace, AC, and A coil are 2 years old. This is a clean house!

28. 2007-12-27
    soldstatus $35,625
29. 2001-01-08
    soldstatus $25,000
30. 1999-02-11
    soldstatus $61,500
31. 1999-01-07
    soldstatus $24,000
32. 1999-01-07
    soldstatus $23,691

ⓘ 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: $1,125 · $94/mo
• Projected year-2 tax: $1,125 · $94/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: $17,333
• − Mortgage interest: −$4,985
• − Property taxes: −$1,125
• − Insurance: −$445
• − Repairs & maintenance: −$1,387
• − Management: −$1,387
• − Depreciation: −$2,589
• Taxable income: $5,415
• Est. tax owed @ 24.0%: −$1,300
• After-tax cash flow: $5,223/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

-95.4% since first listed

16 events — show timeline

• 2026-05-10 Price Changed $1,100 APPFOLIO
• 2026-05-08 Price Changed $94,900 MARIS as Distributed by MLS Grid
• 2026-04-22 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2026-04-22 Price Changed $1,200 APPFOLIO
• 2026-03-24 Listed $114,900 MARIS as Distributed by MLS Grid
• 2026-03-14 Price Changed $1,350 APPFOLIO
• 2026-02-03 Listed for Rent $1,499 APPFOLIO
• 2021-11-16 Sold (Public Records) $63,400 Public Records
• 2021-11-04 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2021-10-04 Pending — MARIS as Distributed by MLS Grid
• 2021-09-30 Listed $64,900 MARIS as Distributed by MLS Grid
• 2007-12-27 Sold (Public Records) $35,625 Public Records
• 2001-01-08 Sold (Public Records) $25,000 Public Records
• 1999-02-11 Sold (Public Records) $61,500 Public Records
• 1999-01-07 Sold (Public Records) $23,691 Public Records
• 1999-01-07 Sold (Public Records) $24,000 Public Records

Property tax history

+5.8%/yr

Latest (2022): $1,125 · +1.0% YoY. Source: county tax records.