10633 Crowley Dr · Dellwood, MO 63136

$94,900

3 bd · 1.0 ba · 950 sqft · SingleFamily public records · 97 Days on market

Built 1962 10,423 sqft lot $100/sqft · 34% below area Est $144k · 34% under

---

Why this score? — see what drove the A- 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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.8/10.0
• Appreciation +6.9/10.0
• Rent growth +3.7/5.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0

Listing remarks MLS

Welcome to this charming and meticulously maintained 3-bedroom brick ranch, perfectly situated on a generous 10,454 sq. ft. corner lot! This 950 sq. ft. home has a classic and functional layout, featuring a bright living room with original architectural appeal. The eat-in kitchen provides a cozy space for meals and overlooks the expansive, level backyard. The main floor hosts three comfortable bedrooms and a full bathroom, all designed with single-level convenience in mind. A full basement offers incredible potential and valuable additional storage. Complete with an attached garage and a double-wide driveway, this home combines suburban peace with quick access to the I-270 corridor, shopping at Halls Ferry Crossing, and local parks.

Key facts

• Attached garage
• Full basement
• Eat-in kitchen

Tags

• BRICK RANCH
• CORNER LOT
• EAT-IN KITCHEN
• EXPANSIVE LEVEL BACKYARD
• FULL BASEMENT
• ATTACHED GARAGE

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $353 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $95k).
• Recommended offer: $86k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#239 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, schools D, crime D-.
• Hazelwood (suburban): math 11% / reading 26% proficiency, ranked #306 of 324 in MO (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+5.0%/yr); 372 active listings in the ZIP; 34 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 38% of the median local income ($41k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $4k of equity ($656 loan paydown + $4k appreciation (3.8% local appreciation)).
• At projected returns (3.8% appreciation + 5.0% rent growth), your $27k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($86k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 13y ago; this cycle's ask has dropped $25k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $86,359 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1962 — 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 D-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 D 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: 1.38% ✓
• Cap rate: 10.76%
• Cash-on-cash: 15.94%
• DSCR: 1.71
• GRM: 6.0

CMA / ARV

• ARV (median comp): $143,666
• List price: $94,900
• Delta: -33.94%
• 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
1716 Atmore Dr	0.11mi	3/1.0	950 (0%)	2mo	$130,000	$137	93
10615 Alliance Dr	0.07mi	3/2.0	975 (+3%)	3mo	$119,900	$123	86
1618 Keelen Dr	0.21mi	3/1.0	936 (-2%)	3mo	$160,000	$171	85
10515 Alliance Dr	0.21mi	3/1.0	1,014 (+7%)	0mo	$112,900	$111	79
10719 Trask Dr	0.22mi	3/1.0	900 (-5%)	3mo	$143,500	$159	78
10418 Quaker Dr	0.26mi	3/1.5	1,014 (+7%)	2mo	$64,900	$64	73
1646 Hudson Rd	0.31mi	3/1.0	1,014 (+7%)	2mo	$164,500	$162	73
1923 Nashua Dr	0.50mi	3/1.0	1,014 (+7%)	1mo	$149,900	$148	64
10257 Dacey Dr	0.64mi	3/1.5	1,014 (+7%)	2mo	$120,000	$118	55
10201 Doane Dr	0.62mi	3/1.5	1,014 (+7%)	4mo	$125,000	$123	55
10269 Dacey Dr	0.62mi	4/1.0 (+1)	1,014 (+7%)	1mo	$169,000	$167	54
1679 Maldon Ln	0.66mi	2/1.0 (-1)	816 (-14%)	4mo	$85,000	$104	37

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: 25.5%
• Equity multiple: 2.53×
• Total profit: $40,631
• Equity at exit: $46,955

10-year hold

• IRR: 26.6%
• Equity multiple: 5.24×
• Total profit: $112,589
• Equity at exit: $75,888

Cash invested: $26,572 (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: 6.0×

Monthly cashflow live

• Estimated rent: $1,313 high
• Mortgage (P&I): −$498
• Tax from tax record: −$147 /mo · $1,767/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$276
• Net cashflow: $353

Break-even live

Break-even rent $866

Max offer price $94,900

Occupancy floor 68%

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: $23,725
• Closing costs: $2,847
• Reserves months: —
• Total cash needed: —

Rent comps 34 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10329 Chesley Dr Saint Louis, MO	3.0	1.0	1014	$1,350	$1.33	23d	1	0.54mi
1547 Babcock Dr Saint Louis, MO	3.0	1.0	1014	$1,480	$1.46	44d	1	0.57mi
10239 Green Valley Dr Saint Louis, MO	3.0	1.0	1014	$1,395	$1.38	23d	1	0.70mi
2745 Rottingdean Dr St. Louis, MO	1.0–2.0	1.0	825	$975	$1.18	44d	1	0.73mi
1654 Mowbry Ln Saint Louis, MO	3.0	1.0	936	$1,300	$1.39	23d	1	0.85mi
2257 Luxmore Dr Saint Louis, MO	3.0	3.0	1073	$1,495	$1.39	23d	1	0.87mi
10124 Winkler Dr Saint Louis, MO	2.0	1.0	792	$1,400	$1.77	3d	1	0.95mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	23d	1	0.99mi
10128 Cloverdale Dr Saint Louis, MO	2.0	1.0	792	$1,000	$1.26	44d	1	0.99mi
10078 Green Valley Dr Saint Louis, MO	3.0	1.0	900	$1,325	$1.47	7d	1	1.05mi
10129 Cavalier Ct Saint Louis, MO	3.0	1.5	912	$1,250	$1.37	23d	1	1.06mi
9868 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,175	$1.14	44d	1	1.18mi
11470 Latonka Trl Florissant, MO	1.0–2.0	1.0	843	$1,050	$1.25	44d	3	1.23mi
1926 Chambers Rd Saint Louis, MO	4.0	1.0	1095	$995	$0.91	14d	1	1.24mi
10504 Baron Dr Saint Louis, MO	3.0	1.0	1000	$1,300	$1.30	7d	1	1.25mi
9840 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	44d	1	1.25mi
9850 Dennis Dr Saint Louis, MO	2.0	1.0	1032	$1,175	$1.14	44d	1	1.26mi
10322 Monarch Dr Saint Louis, MO	3.0	2.0	1073	$1,728	$1.61	23d	1	1.27mi
9839 Medford Dr Saint Louis, MO	3.0	1.0	912	$1,095	$1.20	44d	1	1.28mi
9845 Dennis Dr Saint Louis, MO	3.0	1.0	960	$1,550	$1.61	12d	1	1.29mi
10512 Count Dr Saint Louis, MO	3.0	1.0	888	$1,195	$1.35	14d	1	1.30mi
11635 Hazeloak Dr Black Jack, MO	3.0	2.0	1124	$1,728	$1.54	17d	1	1.31mi
10409 Count Dr Saint Louis, MO	3.0	1.0	912	$1,100	$1.21	22d	1	1.32mi
1733 Kappel Ave Saint Louis, MO	3.0	1.0	912	$1,250	$1.37	23d	1	1.32mi
13061 Lord Dr St. Louis, MO	2.0	1.0	900	$1,040	$1.16	22d	1	1.33mi
920 Hutton Pl Saint Louis, MO	3.0	1.0	912	$1,195	$1.31	44d	1	1.35mi
1502 Summer Run Dr #108 Florissant, MO	2.0	1.5	922	$1,200	$1.30	23d	1	1.36mi
10365 Lord Dr Saint Louis, MO	3.0	1.0	864	$1,075	$1.24	2d	1	1.38mi
9827 Winkler Dr Saint Louis, MO	3.0	1.0	864	$1,450	$1.68	7d	1	1.40mi
9823 Winkler Dr Saint Louis, MO	2.0	1.0	788	$900	$1.14	44d	1	1.41mi
502 Averill Ave Saint Louis, MO	2.0	1.0	840	$1,250	$1.49	44d	1	1.42mi
10404 Earl Dr Saint Louis, MO	2.0	1.0	770	$1,100	$1.43	4d	1	1.45mi
9750 Lorna Ln Saint Louis, MO	3.0	1.0	1032	$1,100	$1.07	44d	1	1.45mi
338 La Motte Ln Saint Louis, MO	2.0	1.0	904	$1,150	$1.27	44d	1	1.49mi

Listing history 22 events

1. 2026-06-18
   days on market $94,900 Active 97 DOM
2. 2026-06-17
   days on market $94,900 Active 96 DOM
3. 2026-06-16
   days on market $94,900 Active 95 DOM
4. 2026-06-15
   days on market $94,900 Active 94 DOM
5. 2026-06-13
   days on market $94,900 Active 92 DOM
6. 2026-06-13
   pricedays on market $94,900 Active 91 DOM
7. 2026-06-09
   days on market $99,900 Active 88 DOM
8. 2026-06-08
   days on market $99,900 Active 87 DOM
9. 2026-06-07
   days on market $99,900 Active 86 DOM
10. 2026-06-05
    days on market $99,900 Active 83 DOM
11. 2026-06-03
    days on market $99,900 Active 82 DOM
12. 2026-06-02
    days on market $99,900 Active 81 DOM
13. 2026-06-01
    days on market $99,900 Active 80 DOM
14. 2026-05-31
    days on market $99,900 Active 79 DOM
15. 2026-05-01
    price $104,900 742-char remark

    Show marketing remark (742 chars)

    Welcome to this charming and meticulously maintained 3-bedroom brick ranch, perfectly situated on a generous 10,454 sq. ft. corner lot! This 950 sq. ft. home has a classic and functional layout, featuring a bright living room with original architectural appeal. The eat-in kitchen provides a cozy space for meals and overlooks the expansive, level backyard. The main floor hosts three comfortable bedrooms and a full bathroom, all designed with single-level convenience in mind. A full basement offers incredible potential and valuable additional storage. Complete with an attached garage and a double-wide driveway, this home combines suburban peace with quick access to the I-270 corridor, shopping at Halls Ferry Crossing, and local parks.

16. 2026-04-11
    price $114,900 742-char remark

    Show marketing remark (742 chars)

    Welcome to this charming and meticulously maintained 3-bedroom brick ranch, perfectly situated on a generous 10,454 sq. ft. corner lot! This 950 sq. ft. home has a classic and functional layout, featuring a bright living room with original architectural appeal. The eat-in kitchen provides a cozy space for meals and overlooks the expansive, level backyard. The main floor hosts three comfortable bedrooms and a full bathroom, all designed with single-level convenience in mind. A full basement offers incredible potential and valuable additional storage. Complete with an attached garage and a double-wide driveway, this home combines suburban peace with quick access to the I-270 corridor, shopping at Halls Ferry Crossing, and local parks.

17. 2026-03-13
    listed $119,900 Active 742-char remark

    Show marketing remark (742 chars)

    Welcome to this charming and meticulously maintained 3-bedroom brick ranch, perfectly situated on a generous 10,454 sq. ft. corner lot! This 950 sq. ft. home has a classic and functional layout, featuring a bright living room with original architectural appeal. The eat-in kitchen provides a cozy space for meals and overlooks the expansive, level backyard. The main floor hosts three comfortable bedrooms and a full bathroom, all designed with single-level convenience in mind. A full basement offers incredible potential and valuable additional storage. Complete with an attached garage and a double-wide driveway, this home combines suburban peace with quick access to the I-270 corridor, shopping at Halls Ferry Crossing, and local parks.

18. 2022-10-04
    soldstatus $3,087,952
19. 2013-11-25
    soldstatus 442-char remark

    Show marketing remark (442 chars)

    Don't miss this cute 3 bedroom ranch with eat in kitchen and large main floor family room. The home also features a full basement and attached garage. The yard is extra large and fenced in back. Welcome Home! HUD owned property. HUD Homes are sold AS-IS. Please note utilities may be off so bring a flashlight to show. HUD Home. Property to be sold as-is with seller doing no repairs or inspections. See agent remarks for bidding instruction.

20. 2013-07-30
    listed $35,700 442-char remark

    Show marketing remark (442 chars)

    Don't miss this cute 3 bedroom ranch with eat in kitchen and large main floor family room. The home also features a full basement and attached garage. The yard is extra large and fenced in back. Welcome Home! HUD owned property. HUD Homes are sold AS-IS. Please note utilities may be off so bring a flashlight to show. HUD Home. Property to be sold as-is with seller doing no repairs or inspections. See agent remarks for bidding instruction.

21. 2002-05-06
    soldstatus $73,900
22. 1962-12-26
    soldstatus

ⓘ 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: $1,767 · $147/mo
• Projected year-2 tax: $1,767 · $147/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 ≥106°F today · 20 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 · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,759
• − Mortgage interest: −$5,316
• − Property taxes: −$1,767
• − Insurance: −$474
• − Repairs & maintenance: −$1,261
• − Management: −$1,261
• − Depreciation: −$2,761
• Taxable income: $2,919
• Est. tax owed @ 24.0%: −$701
• After-tax cash flow: $3,535/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: Hazelwood
• NCES district ID: 2913830
• Math proficiency: 11% ▼ -13.00%
• Reading proficiency: 26% ▼ -6.00%
• Median HH income: $51,621
• Composite: 16.77/100
• National rank: #9156
• State rank: #306 of 324 in MO

Livability — Dellwood

• Score: 66/100
• State rank: #239
• US rank: #11618

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dellwood, 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

+41.9% since first listed

8 events — show timeline

• 2026-05-01 Price Changed $104,900 MARIS as Distributed by MLS Grid
• 2026-04-11 Price Changed $114,900 MARIS as Distributed by MLS Grid
• 2026-03-13 Listed $119,900 MARIS as Distributed by MLS Grid
• 2022-10-04 Sold (Public Records) $3,087,952 Public Records
• 2013-11-25 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2013-07-30 Listed $35,700 MARIS as Distributed by MLS Grid
• 2002-05-06 Sold (Public Records) $73,900 Public Records
• 1962-12-26 Sold (Public Records) — Public Records

Property tax history

+7.6%/yr

Latest (2022): $1,767 · +1.4% YoY. Source: county tax records.