1912 Overland Dr · Overland, MO 63114

$250,000

4 bd · 2.0 ba · 1,265 sqft · SingleFamily public records · 35 Days on market

Built 1952 6,216 sqft lot $198/sqft · 100% above area Est $198k · 26% 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 +26.5/30.0
• DSCR +9.1/10.0
• 1% rule +6.4/10.0
• Livability +3.1/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Schools +1.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover this cozy 4-bedroom, 2-bathroom gem in Overland, Missouri. The home features a bright, open living space, modern comforts, and a fully-equipped kitchen. Enjoy a beautifully landscaped backyard, perfect for relaxation and entertainment. Located in a friendly neighborhood, close to schools, parks, and shopping. Includes a fireplace, two-car garage, and laundry room. Ideal for families or those seeking a blend of convenience and tranquility. A must-see property!

Key facts

• 6,216 sq ft lot
• Garage
• Built 1952

Property features AI

Finance

• Other: Living area approximately 2,000 (estimated); Above-grade finished area reported as 1,265 (assessor); Below-grade finished area reported as 735 (estimated)
• Financial info: Lease not considered

Exterior

• Parking: Attached garage with 1 garage space
• Utilities: Public water; Public sewer; 220 volt electric service (Ameren); Electricity and natural gas available and connected
• Home design: Single-family residential; One and one-half levels; Above-grade and finished below-grade living areas
• Construction: Concrete construction; Finished below-grade area
• Exterior features: Private lot

Interior

• Kitchen: Dishwasher (ENERGY STAR qualified); Ice maker; Microwave; Electric oven / range; Refrigerator
• Bedrooms: Four bedrooms total; two bedrooms on the main level and two on the upper level
• Bathrooms: Two full bathrooms (one on the main level, one on the upper level)
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Finished full basement with concrete foundation and 8+ ft poured walls
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $663 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $250k).
• Recommended offer: $242k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.5% vs local median 6.2% in Overland — 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 61/100 on livability (#436 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, crime F, amenities F.
• Ritenour (suburban): math 13% / reading 27% proficiency, ranked #304 of 324 in MO (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Iveland Elem. (math 9% / reading 25%, grade F, #967 of 1,115 statewide, top 88%, 439 students, 99% FRL); Ritenour Sr. High (math 9% / reading 36%, grade F, #455 of 521 statewide, top 88%, 1,873 students, 100% FRL) — zoned schools average 100% FRL vs 66% district-wide (34 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.0%/yr); 118 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
• At $2,843/mo this rent would consume 61% of the median local household income ($56k/yr) (locally 1595% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y ago; this cycle's ask has dropped $50k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $100k; list at $250k implies a 150% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $242,500 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — 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. 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?
5. 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?
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: 1.14% ✓
• Cap rate: 9.47%
• Cash-on-cash: 11.36%
• DSCR: 1.51
• GRM: 7.3

CMA / ARV

• ARV (median comp): $197,945
• List price: $250,000
• Delta: 26.30%
• 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
1908 Wismer Ave	0.07mi	4/1.0	1,142 (-10%)	2mo	$149,900	$131	75
2239 Wismer Ave	0.41mi	3/2.0 (-1)	1,230 (-3%)	0mo	$229,900	$187	71
10111 Niblic Dr	0.52mi	3/2.0 (-1)	1,281 (+1%)	1mo	$325,000	$254	68
1805 Uceyle Ave	0.56mi	3/1.0 (-1)	1,244 (-2%)	2mo	$139,900	$112	61
2326 Hood Ave	0.67mi	4/2.0	1,302 (+3%)	5mo	$175,000	$134	59
9604 Ridge Ave	0.27mi	3/1.0 (-1)	1,120 (-12%)	1mo	$145,000	$129	58
2228 Spencer Ave	0.49mi	3/1.0 (-1)	1,210 (-4%)	7mo	$155,000	$128	55
1709 Korando Ave	0.64mi	3/1.0 (-1)	1,192 (-6%)	6mo	$209,999	$176	46
10040 Driver Ave	0.45mi	3/1.0 (-1)	1,404 (+11%)	7mo	$150,000	$107	46
2334 Wismer Ave	0.59mi	5/2.5 (+1)	1,411 (+12%)	2mo	$150,000	$106	45
2432 Chaucer Ave	0.72mi	4/3.0	1,120 (-12%)	6mo	$179,900	$161	38
2440 Chaucer Ave	0.74mi	3/2.5 (-1)	1,408 (+11%)	4mo	$210,000	$149	36

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 · 2.04% rent growth · sell at horizon

5-year hold

• IRR: -0.4%
• Equity multiple: 0.98×
• Total profit: $-1,072
• Equity at exit: $37,276

10-year hold

• IRR: 8.3%
• Equity multiple: 1.60×
• Total profit: $42,277
• Equity at exit: $21,615

Cash invested: $70,000 (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 63114

• Rents YoY: 2.0%
• Active inventory: 118
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $2,843 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$168 /mo · $2,016/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$597
• Net cashflow: $663

Break-even live

Break-even rent $2,004

Max offer price $250,000

Occupancy floor 72%

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1150 N Price Rd St. Louis, MO	1.0–3.0	1.0–2.0	999	$3,731	$3.73	1d	151	1.24mi
18 Queensbrook Pl Saint Louis, MO	3.0	2.0	1675	$3,500	$2.09	1d	1	1.41mi

Listing history 23 events

1. 2026-06-18
   days on market $250,000 Active 35 DOM
2. 2026-06-17
   days on market $250,000 Active 34 DOM
3. 2026-06-16
   days on market $250,000 Active 33 DOM
4. 2026-06-15
   days on market $250,000 Active 32 DOM
5. 2026-06-13
   days on market $250,000 Active 30 DOM
6. 2026-06-09
   days on market $250,000 Active 26 DOM
7. 2026-06-08
   days on market $250,000 Active 25 DOM
8. 2026-06-07
   pricedays on market $250,000 Active 24 DOM
9. 2026-06-03
   days on market $275,000 Active 20 DOM
10. 2026-06-02
    days on market $275,000 Active 19 DOM
11. 2026-06-02
    price $275,000 Active 18 DOM
12. 2026-06-01
    days on market $285,000 Active 18 DOM
13. 2026-05-31
    days on market $285,000 Active 17 DOM
14. 2026-05-15
    listed $300,000 Active 777-char remark
15. 2026-05-15
    historical $300,000 777-char remark
16. 2024-02-20
    soldstatus Closed 472-char remark

    Show marketing remark (472 chars)

    Discover this cozy 4-bedroom, 2-bathroom gem in Overland, Missouri. The home features a bright, open living space, modern comforts, and a fully-equipped kitchen. Enjoy a beautifully landscaped backyard, perfect for relaxation and entertainment. Located in a friendly neighborhood, close to schools, parks, and shopping. Includes a fireplace, two-car garage, and laundry room. Ideal for families or those seeking a blend of convenience and tranquility. A must-see property!

17. 2024-02-12
    status Pending 472-char remark

    Show marketing remark (472 chars)

    Discover this cozy 4-bedroom, 2-bathroom gem in Overland, Missouri. The home features a bright, open living space, modern comforts, and a fully-equipped kitchen. Enjoy a beautifully landscaped backyard, perfect for relaxation and entertainment. Located in a friendly neighborhood, close to schools, parks, and shopping. Includes a fireplace, two-car garage, and laundry room. Ideal for families or those seeking a blend of convenience and tranquility. A must-see property!

18. 2024-01-29
    listed $155,000 Active 472-char remark

    Show marketing remark (472 chars)

    Discover this cozy 4-bedroom, 2-bathroom gem in Overland, Missouri. The home features a bright, open living space, modern comforts, and a fully-equipped kitchen. Enjoy a beautifully landscaped backyard, perfect for relaxation and entertainment. Located in a friendly neighborhood, close to schools, parks, and shopping. Includes a fireplace, two-car garage, and laundry room. Ideal for families or those seeking a blend of convenience and tranquility. A must-see property!

19. 2020-03-23
    soldstatus $100,000
20. 2020-03-13
    soldstatus Closed

    Show marketing remark (913 chars)

    Welcome to 1912 Overland Drive. This FOUR Bedroom two full bath home is ready for your personal touches. This home features hardwood floors which have just been sanded, re-stained, polyurethaned. The building contains new gray siding completed late 2019. The entire interior (walls and ceiling) was also painted in late 2019. Main level features hardwood floors with large living room and a separated dining room, master bedroom, second bedroom & full bath. Kitchen has been updated with all black appliances. The second floor features two more bedrooms and another full bath. The basement features a bonus room and plenty of storage in the unfinished area. Generous off street parking (driveway) with detached garage. Deck has plenty of space to relax and a nice sized back yard. Minutes from major highways, West port Plaza, dining and shopping. This home is a must see. Passed all municipal inspections.

21. 2020-02-20
    status Pending

    Show marketing remark (913 chars)

    Welcome to 1912 Overland Drive. This FOUR Bedroom two full bath home is ready for your personal touches. This home features hardwood floors which have just been sanded, re-stained, polyurethaned. The building contains new gray siding completed late 2019. The entire interior (walls and ceiling) was also painted in late 2019. Main level features hardwood floors with large living room and a separated dining room, master bedroom, second bedroom & full bath. Kitchen has been updated with all black appliances. The second floor features two more bedrooms and another full bath. The basement features a bonus room and plenty of storage in the unfinished area. Generous off street parking (driveway) with detached garage. Deck has plenty of space to relax and a nice sized back yard. Minutes from major highways, West port Plaza, dining and shopping. This home is a must see. Passed all municipal inspections.

22. 2020-01-13
    listed $109,900 Active

    Show marketing remark (913 chars)

    Welcome to 1912 Overland Drive. This FOUR Bedroom two full bath home is ready for your personal touches. This home features hardwood floors which have just been sanded, re-stained, polyurethaned. The building contains new gray siding completed late 2019. The entire interior (walls and ceiling) was also painted in late 2019. Main level features hardwood floors with large living room and a separated dining room, master bedroom, second bedroom & full bath. Kitchen has been updated with all black appliances. The second floor features two more bedrooms and another full bath. The basement features a bonus room and plenty of storage in the unfinished area. Generous off street parking (driveway) with detached garage. Deck has plenty of space to relax and a nice sized back yard. Minutes from major highways, West port Plaza, dining and shopping. This home is a must see. Passed all municipal inspections.

23. 2004-07-20
    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: $2,016 · $168/mo
• Projected year-2 tax: $2,425 · $202/mo
• Expected delta: +$409/yr (+$34/mo · 20.3%)

ⓘ 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 ≥106°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: $34,115
• − Mortgage interest: −$14,004
• − Property taxes: −$2,016
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,729
• − Management: −$2,729
• − Depreciation: −$7,273
• Taxable income: $4,113
• Est. tax owed @ 24.0%: −$987
• After-tax cash flow: $6,965/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: Ritenour
• NCES district ID: 2926640
• Math proficiency: 13% ▼ -14.00%
• Reading proficiency: 27% ▼ -7.00%
• Median HH income: $41,410
• Composite: 17.04/100
• National rank: #9125
• State rank: #304 of 324 in MO

Livability — Overland

• Score: 61/100
• State rank: #436
• US rank: #17870

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Overland, MO
• County: Saint Louis County · 888,823 people
• City population: 33,969
• Metro: St. Louis, MO-IL
• Population (ZIP): 33,969
• Household income: $55,870
• Rent vs Own: 41.8% rent · 58.2% own
• Severe rent burden: 1595.0

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: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 50% Black 30% Hispanic / Latino 11% Two or more races 6% Asian 2%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Lithuanian 3% Italian 2% Romanian 1%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 84% English-only · Spanish 10% French/Haitian/Cajun 2% Tagalog/Filipino 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: ▼ -276.62%
• Current HPI: 223.9305
• Rent YoY: ▲ 2.04%
• 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

+127.5% since first listed

15 events — show timeline

• 2026-06-05 Price Changed $250,000 MARIS as Distributed by MLS Grid
• 2026-06-04 Price Changed $260,000 MARIS as Distributed by MLS Grid
• 2026-06-01 Price Changed $275,000 MARIS as Distributed by MLS Grid
• 2026-05-29 Price Changed $285,000 MARIS as Distributed by MLS Grid
• 2026-05-26 Price Changed $289,000 MARIS as Distributed by MLS Grid
• 2026-05-15 Listed $300,000 MARIS as Distributed by MLS Grid
• 2026-05-15 Coming Soon $300,000 MARIS as Distributed by MLS Grid
• 2024-02-20 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2024-02-12 Pending — MARIS as Distributed by MLS Grid
• 2024-01-29 Listed $155,000 MARIS as Distributed by MLS Grid
• 2020-03-23 Sold (Public Records) $100,000 Public Records
• 2020-03-13 Sold (MLS) — MARIS as Distributed by MLS Grid
• 2020-02-20 Pending — MARIS as Distributed by MLS Grid
• 2020-01-13 Listed $109,900 MARIS as Distributed by MLS Grid
• 2004-07-20 Sold (Public Records) — Public Records

Property tax history

+1.0%/yr

Latest (2022): $2,016 · +0.0% YoY. Source: county tax records.