1110 Saint Marcella Dr · Cahokia Heights, IL 62206

$67,000

2 bd · 2.0 ba · 864 sqft · SingleFamily public records · 160 Days on market

Built 1958 7,840 sqft lot $78/sqft · 12% above area Est $60k · 12% 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 +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.2/15.0
• Schools +0.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 1110 St Marcella Dr, a beautifully refreshed residence offering the perfect blend of comfort, style, and convenience. Step inside and be greeted by thoughtful updates throughout: a modern, updated kitchen that makes meal prep a pleasure, and an updated bathroom with contemporary finishes that elevate everyday routines. Both bedrooms boast brand-new carpeting, creating a soft, warm retreat, while luxury vinyl plank flooring flows through the living room, kitchen, and bathroom — combining practicality with a sleek, modern aesthetic. No detail was overlooked: the home also includes a new HVAC system and new water heater, giving you peace of mind and reliable comfort year-round. Located in the heart of Cahokia, IL, this home offers access to a community with rich history and local amenities. Nearby parks and recreation options provide plenty of opportunities for outdoor enjoyment — including Cahokia Park with walking trails, playgrounds, and lake access, as well as proximity to the Prairies Golf Club. This is a Fannie Mae Property. ALL information is deemed reliable but is not guaranteed and should be verified by the buyer and/or buyers agent before making an offer.

Key facts

• New water heater
• Updated kitchen
• Cahokia park

Tags

• UPDATED KITCHEN
• UPDATED BATHROOM
• NEW HVAC SYSTEM
• NEW WATER HEATER
• CAHOKIA PARK
• PRAIRIES GOLF CLUB

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $67k.

Deal economics

• At list price, monthly cash flow is $486 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $67k).
• Recommended offer: $59k (12.0% below list) — sets the bar for market timing.
• Cap rate 17.7% vs local median 13.6% in Cahokia Heights — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Cahokia CUSD 187 (suburban): math 3% / reading 5% proficiency, ranked #864 of 919 in IL (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 85% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 153 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 44% of comp listings sitting > 30 days — soft ceiling on asking rent; lower-income renter base — watch delinquency; 783 units permitted in St. Clair County in 2024 (378 in 5+ unit buildings).
• At $1,393/mo this rent would consume 49% of the median local household income ($34k/yr) (locally 729% 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 $463 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• St. Clair County population projected at -23% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 160 days — a 12% lower offer ($59k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $34k; list at $67k implies a 94% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $152/mo; built in 1958 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $58,960 (12.0% below list)

Questions for the listing agent

1. It's been on market 160 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 2.08% ✓
• Cap rate: 17.72%
• Cash-on-cash: 40.80%
• DSCR: 2.82
• GRM: 4.0

CMA / ARV

• ARV (median comp): $59,890
• List price: $67,000
• Delta: 11.87%
• 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
1071 St Margaret Dr	0.08mi	2/1.0	864 (0%)	0mo	$6,150	$7	92
6 Saint Columba Dr	0.18mi	3/— (+1)	888 (+3%)	2mo	$35,000	$39	80
4 Saint Lambert Dr	0.21mi	3/1.0 (+1)	864 (0%)	3mo	$105,000	$122	78
713 Saint Norbert Dr	0.55mi	3/1.0 (+1)	864 (0%)	1mo	$65,000	$75	64
3 Saint Columba Dr	0.19mi	3/1.0 (+1)	957 (+11%)	5mo	$105,000	$110	60
607 Saint Monica Dr	0.59mi	3/1.5 (+1)	888 (+3%)	2mo	$35,000	$39	59
601 Saint Monica Dr	0.58mi	3/1.0 (+1)	888 (+3%)	2mo	$105,000	$118	57
700 Saint Martin Dr	0.60mi	3/1.0 (+1)	888 (+3%)	2mo	$105,000	$118	57
712 Saint Monica Dr	0.62mi	3/1.0 (+1)	888 (+3%)	1mo	$82,500	$93	56
718 Saint Martin Dr	0.51mi	3/1.0 (+1)	912 (+6%)	3mo	$105,000	$115	55
526 Saint Leo Dr	0.67mi	3/1.0 (+1)	925 (+7%)	2mo	$85,000	$92	47
518 Saint James Dr	0.72mi	3/1.0 (+1)	967 (+12%)	1mo	$40,000	$41	37

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: 26.0%
• Equity multiple: 2.08×
• Total profit: $20,196
• Equity at exit: $9,990

10-year hold

• IRR: 33.7%
• Equity multiple: 4.09×
• Total profit: $57,890
• Equity at exit: $5,793

Cash invested: $18,760 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 43 Moderately Tenant-Leaning
• State Illinois: 43 Moderately Tenant-Leaning · D+7
• County: — inherits STATE
• City: — inherits STATE

Chicago RTLO is among the strongest tenant ordinances in the Midwest; downstate is more landlord-friendly.

Methodology + full state rankings →

ZIP-level market 62206

• Home prices YoY: -20.2%
• Active inventory: 153
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,393 high
• Mortgage (P&I): −$351
• Tax est. 1.5%: −$84 /mo · $1,005/yr
• Insurance: −$28
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$293
• Net cashflow: $486

Break-even live

Break-even rent $779

Max offer price $67,000

Occupancy floor 60%

Sensitivity live

Price	-10% $532	-5% $509	+0% $486	+5% $463	+10% $439
Rent	-10% $376	-5% $431	+0% $486	+5% $541	+10% $596
Rate	-1.0pp $520	-0.5pp $503	base $486	+0.5pp $468	+1.0pp $451

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: $16,750
• Closing costs: $2,010
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1115 Saint Marcella Dr East Saint Louis, IL	3.0	1.0	864	$1,500	$1.74	15d	1	0.01mi
1130 Water St East Saint Louis, IL	3.0	1.0	1100	$1,450	$1.32	24d	1	0.19mi
701 Saint Paul Dr East Saint Louis, IL	3.0	1.0	864	$1,500	$1.74	44d	1	0.66mi
526 Saint Leo Dr East Saint Louis, IL	3.0	1.0	925	$1,400	$1.51	3d	1	0.70mi
1150 Price St Cahokia, IL	3.0	1.0	864	$1,400	$1.62	3d	1	0.86mi
101 E 5th St Cahokia, IL	2.0	1.0	770	$900	$1.17	44d	1	0.87mi
811 Saint Thomas Ln East Saint Louis, IL	3.0	1.0	1040	$1,295	$1.25	24d	1	0.88mi
502 Saint Thomas Ln East Saint Louis, IL	3.0	1.0	864	$1,400	$1.62	3d	1	0.88mi
500 Saint Thomas Ln East Saint Louis, IL	3.0	1.0	864	$950	$1.10	24d	1	0.88mi
142 Saint Barbara Ln East Saint Louis, IL	3.0	2.0	990	$1,300	$1.31	44d	1	0.88mi
148 Saint James Ln East Saint Louis, IL	3.0	1.0	864	$1,200	$1.39	44d	1	0.92mi
121 Saint Dorothy Dr Cahokia, IL	3.0	1.0	988	$1,500	$1.52	44d	1	0.98mi
1162 Smith St East Saint Louis, IL	3.0	1.0	988	$1,295	$1.31	22d	1	0.99mi
124 Saint James Ln Cahokia Heights, IL	3.0	1.0	1064	$1,350	$1.27	44d	1	1.05mi
111 Saint Thomas Ln East Saint Louis, IL	3.0	1.0	1040	$1,350	$1.30	44d	1	1.10mi
1109 Saint Helena Dr Cahokia Heights, IL	3.0	1.0	825	$1,400	$1.70	3d	1	1.38mi

Listing history 20 events

1. 2026-06-18
   days on market $67,000 Active 160 DOM
2. 2026-06-17
   days on market $67,000 Active 159 DOM
3. 2026-06-16
   days on market $67,000 Active 158 DOM
4. 2026-06-15
   days on market $67,000 Active 157 DOM
5. 2026-06-13
   days on market $67,000 Active 155 DOM
6. 2026-06-13
   days on market $67,000 Active 154 DOM
7. 2026-06-09
   days on market $67,000 Active 151 DOM
8. 2026-06-08
   days on market $67,000 Active 150 DOM
9. 2026-06-07
   days on market $67,000 Active 149 DOM
10. 2026-06-05
    days on market $67,000 Active 146 DOM
11. 2026-06-03
    days on market $67,000 Active 145 DOM
12. 2026-06-02
    days on market $67,000 Active 144 DOM
13. 2026-06-01
    days on market $67,000 Active 143 DOM
14. 2026-05-31
    days on market $67,000 Active 142 DOM
15. 2026-04-28
    price $67,000 1203-char remark

    Show marketing remark (1203 chars)

    Welcome to 1110 St Marcella Dr, a beautifully refreshed residence offering the perfect blend of comfort, style, and convenience. Step inside and be greeted by thoughtful updates throughout: a modern, updated kitchen that makes meal prep a pleasure, and an updated bathroom with contemporary finishes that elevate everyday routines. Both bedrooms boast brand-new carpeting, creating a soft, warm retreat, while luxury vinyl plank flooring flows through the living room, kitchen, and bathroom — combining practicality with a sleek, modern aesthetic. No detail was overlooked: the home also includes a new HVAC system and new water heater, giving you peace of mind and reliable comfort year-round. Located in the heart of Cahokia, IL, this home offers access to a community with rich history and local amenities. Nearby parks and recreation options provide plenty of opportunities for outdoor enjoyment — including Cahokia Park with walking trails, playgrounds, and lake access, as well as proximity to the Prairies Golf Club. This is a Fannie Mae Property. ALL information is deemed reliable but is not guaranteed and should be verified by the buyer and/or buyers agent before making an offer.

16. 2026-04-10
    price $74,000 1203-char remark

    Show marketing remark (1203 chars)

    Welcome to 1110 St Marcella Dr, a beautifully refreshed residence offering the perfect blend of comfort, style, and convenience. Step inside and be greeted by thoughtful updates throughout: a modern, updated kitchen that makes meal prep a pleasure, and an updated bathroom with contemporary finishes that elevate everyday routines. Both bedrooms boast brand-new carpeting, creating a soft, warm retreat, while luxury vinyl plank flooring flows through the living room, kitchen, and bathroom — combining practicality with a sleek, modern aesthetic. No detail was overlooked: the home also includes a new HVAC system and new water heater, giving you peace of mind and reliable comfort year-round. Located in the heart of Cahokia, IL, this home offers access to a community with rich history and local amenities. Nearby parks and recreation options provide plenty of opportunities for outdoor enjoyment — including Cahokia Park with walking trails, playgrounds, and lake access, as well as proximity to the Prairies Golf Club. This is a Fannie Mae Property. ALL information is deemed reliable but is not guaranteed and should be verified by the buyer and/or buyers agent before making an offer.

17. 2026-03-12
    price $84,000 1203-char remark

    Show marketing remark (1203 chars)

    Welcome to 1110 St Marcella Dr, a beautifully refreshed residence offering the perfect blend of comfort, style, and convenience. Step inside and be greeted by thoughtful updates throughout: a modern, updated kitchen that makes meal prep a pleasure, and an updated bathroom with contemporary finishes that elevate everyday routines. Both bedrooms boast brand-new carpeting, creating a soft, warm retreat, while luxury vinyl plank flooring flows through the living room, kitchen, and bathroom — combining practicality with a sleek, modern aesthetic. No detail was overlooked: the home also includes a new HVAC system and new water heater, giving you peace of mind and reliable comfort year-round. Located in the heart of Cahokia, IL, this home offers access to a community with rich history and local amenities. Nearby parks and recreation options provide plenty of opportunities for outdoor enjoyment — including Cahokia Park with walking trails, playgrounds, and lake access, as well as proximity to the Prairies Golf Club. This is a Fannie Mae Property. ALL information is deemed reliable but is not guaranteed and should be verified by the buyer and/or buyers agent before making an offer.

18. 2026-01-30
    price $91,000 1203-char remark

    Show marketing remark (1203 chars)

    Welcome to 1110 St Marcella Dr, a beautifully refreshed residence offering the perfect blend of comfort, style, and convenience. Step inside and be greeted by thoughtful updates throughout: a modern, updated kitchen that makes meal prep a pleasure, and an updated bathroom with contemporary finishes that elevate everyday routines. Both bedrooms boast brand-new carpeting, creating a soft, warm retreat, while luxury vinyl plank flooring flows through the living room, kitchen, and bathroom — combining practicality with a sleek, modern aesthetic. No detail was overlooked: the home also includes a new HVAC system and new water heater, giving you peace of mind and reliable comfort year-round. Located in the heart of Cahokia, IL, this home offers access to a community with rich history and local amenities. Nearby parks and recreation options provide plenty of opportunities for outdoor enjoyment — including Cahokia Park with walking trails, playgrounds, and lake access, as well as proximity to the Prairies Golf Club. This is a Fannie Mae Property. ALL information is deemed reliable but is not guaranteed and should be verified by the buyer and/or buyers agent before making an offer.

19. 2026-01-09
    listed $97,500 Active 1203-char remark

    Show marketing remark (1203 chars)

    Welcome to 1110 St Marcella Dr, a beautifully refreshed residence offering the perfect blend of comfort, style, and convenience. Step inside and be greeted by thoughtful updates throughout: a modern, updated kitchen that makes meal prep a pleasure, and an updated bathroom with contemporary finishes that elevate everyday routines. Both bedrooms boast brand-new carpeting, creating a soft, warm retreat, while luxury vinyl plank flooring flows through the living room, kitchen, and bathroom — combining practicality with a sleek, modern aesthetic. No detail was overlooked: the home also includes a new HVAC system and new water heater, giving you peace of mind and reliable comfort year-round. Located in the heart of Cahokia, IL, this home offers access to a community with rich history and local amenities. Nearby parks and recreation options provide plenty of opportunities for outdoor enjoyment — including Cahokia Park with walking trails, playgrounds, and lake access, as well as proximity to the Prairies Golf Club. This is a Fannie Mae Property. ALL information is deemed reliable but is not guaranteed and should be verified by the buyer and/or buyers agent before making an offer.

20. 2007-02-27
    soldstatus $34,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone AH · 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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,721
• − Mortgage interest: −$3,753
• − Property taxes: −$1,005
• − Insurance: −$2,160
• − Repairs & maintenance: −$1,338
• − Management: −$1,338
• − Depreciation: −$1,949
• Taxable income: $5,179
• Est. tax owed @ 24.0%: −$1,243
• After-tax cash flow: $4,586/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: Cahokia CUSD 187
• NCES district ID: 1708040
• Math proficiency: 3% ▼ -2.00%
• Reading proficiency: 5% ▬ 0.00%
• Median HH income: $28,028
• Composite: 6.44/100
• National rank: #14827
• State rank: #864 of 919 in IL

Livability — Cahokia Heights

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Cahokia Heights, IL
• County: Saint Clair County · 169,691 people
• City population: 19,956
• Metro: St. Louis, MO-IL
• Population (ZIP): 12,959
• Household income: $33,838
• Rent vs Own: 44.5% rent · 55.5% own
• Severe rent burden: 729.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 250,366 people
• By 2030: 240,511 · -3.9%
• By 2040: 217,391 · -13.2%
• By 2050: 192,699 · -23.0%
• By 2075: 140,637 · -43.8%
• By 2100: 100,499 · -59.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 59% White 29% Two or more races 6% Hispanic / Latino 3% Asian 2%
• Common ancestry: Romanian 2% Lithuanian 1% Iranian 1%
• Foreign-born: 2% · China
• Languages at home: 95% English-only · Spanish 3% Other Indo-European 1% Chinese 1%

Political lean MEDSL · St. Clair

• 2024 margin: Lean D (+7.9) · D 53.0% · R 45.1% · Other 1.8%
• 2008→2024 swing: -14.6pp toward R · 2008: 22.4pp · 2024: 7.9pp
• All cycles: 2024: D+7.9 2020: D+8.7 2016: D+5.6 2012: D+14.5 2008: D+22.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -33.26%
• Current HPI: 131.5144
• Rent YoY: —
• Metro: St. Louis, MO-IL
• State GDP YoY: ▲ 1.59%
• F500 in state: 60

Industry mix (Fortune 500 HQ in IL)

Industry	F500 HQs	Revenue
▸Insurance	4	$201B
▸Consumer Goods	4	$87B
▸Industrial Machinery	3	$64B
▸Healthcare	2	$55B
▸Retail / Pharmacy	1	$148B
▸Agriculture / Food	1	$86B

Price history

+94.2% since first listed

6 events — show timeline

• 2026-04-28 Price Changed $67,000 MARIS as Distributed by MLS Grid
• 2026-04-10 Price Changed $74,000 MARIS as Distributed by MLS Grid
• 2026-03-12 Price Changed $84,000 MARIS as Distributed by MLS Grid
• 2026-01-30 Price Changed $91,000 MARIS as Distributed by MLS Grid
• 2026-01-09 Listed $97,500 MARIS as Distributed by MLS Grid
• 2007-02-27 Sold (Public Records) $34,500 Public Records

Property tax history

-23.4%/yr

Latest (2024): $42 · -97.7% YoY. Source: county tax records.