1315 Red River Dr · Spanish Lake, MO
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 2/10 · Minimal
- Est. fire insurance / yr
- $1,054 – $1,958
Heat risk 5/10 · Moderate
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 4/10 · Minor
- Unhealthy air days now
- 4 days/yr
- Unhealthy air days in 30 yrs
- 5 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D+ 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 +17.5/30.0
- ARV discount +12.9/15.0
- DSCR +5.5/10.0
- 1% rule +4.4/10.0
- Livability +2.6/5.0
- Condition / age +2.5/5.0
- Rent growth +2.1/5.0
- Schools +1.7/10.0
- Appreciation +0.0/10.0
$144,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
Key facts
- Large family room
- One-car garage
- Fenced yard
Tags
Property features AI
Finance
- Other: Living area reported as 1,600 (source: public records); Lot dimensions approximately 66 x 135; Lot size approximately 0.2045 acres; No home warranty
Exterior
- Parking: Attached garage (1 car)
- Utilities: Public water; Public sewer; Electric service listed as other
- Home design: Single family residence; Multi/split levels; House structure type; Entry level not specified; Facing direction not specified
- Construction: Brick veneer and vinyl siding exterior; Composition roof; Slab foundation; Built year sourced from public records
- Exterior features: Level lot
Interior
- Kitchen: Appliances listed as other
- Bedrooms: 4 bedrooms located on the upper level
- Bathrooms: 1 full bathroom; 1 half bathroom
- Heating & cooling: Other heating; Central air conditioning; Electric cooling
- Interior features: Central air conditioning; Electric cooling; Other type of heating; Full basement; Other appliances included
- Laundry & utility: Washer/dryer/utility details not specified
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.5-bath single-family listed at $145k.
Deal economics
- At list price, monthly cash flow is $112 ($1k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $137k (5.7% below list).
- Recommended offer: $137k (5.7% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 51/100 on livability (#870 in MO) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime F, amenities F, commute F.
- 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.
- Zoned schools: Grannemann Elem. (math 2% / reading 8%, grade F, #1,072 of 1,115 statewide, top 98%, 411 students, 98% FRL); Hazelwood East High (math 5% / reading 21%, grade F, #495 of 521 statewide, top 95%, 1,264 students, 66% FRL) — zoned schools average 82% FRL vs 53% district-wide (28 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents soft (-1.5%/yr); 101 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); 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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
Negotiation context
- It's been on market 31 days — a 3% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 7y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
- Current owner paid $58k; list at $145k implies a 148% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- 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.
Questions for the listing agent
- It's been on market 31 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
- Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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?
- 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.
- 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.
- 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
- 0.94% ✗
- Cap rate
- 7.22%
- Cash-on-cash
- 3.31%
- DSCR
- 1.15
- GRM
- 8.8
CMA / ARV
- ARV (median comp)
- $164,777
- List price
- $144,900
- Delta
- -12.06%
- 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 |
|---|---|---|---|---|---|---|---|
| 1200 Baron Ave | 0.39mi | 3/1.0 | 864 (+8%) | 2mo | $77,500 | $90 | 64 |
| 1201 Baron Ave | 0.41mi | 3/1.0 | 864 (+8%) | 4mo | $80,000 | $93 | 62 |
| 1219 Congress Ave | 0.44mi | 3/1.0 | 864 (+8%) | 4mo | $29,900 | $35 | 61 |
| 1221 Scott Ave | 0.49mi | 3/1.0 | 864 (+8%) | 4mo | $85,000 | $98 | 59 |
| 1139 Congress Ave | 0.47mi | 3/1.0 | 864 (+8%) | 5mo | $57,900 | $67 | 58 |
| 1157 Scott | 0.51mi | 3/1.0 | 864 (+8%) | 3mo | $137,900 | $160 | 58 |
| 1136 Walker Ave | 0.65mi | 3/1.0 | 864 (+8%) | 3mo | $125,000 | $145 | 52 |
| 1125 Walker Ave | 0.68mi | 3/1.0 | 864 (+8%) | 3mo | $114,999 | $133 | 50 |
| 1223 Reale Ave | 0.68mi | 3/1.0 | 864 (+8%) | 4mo | $120,000 | $139 | 50 |
| 1231 Reale Ave | 0.67mi | 2/1.5 (-1) | 864 (+8%) | 2mo | $69,900 | $81 | 48 |
| 1141 Walker Ave | 0.67mi | 2/1.5 (-1) | 864 (+8%) | 3mo | $105,000 | $122 | 48 |
| 1136 Cove Ln | 0.75mi | 3/1.0 | 864 (+8%) | 4mo | $102,500 | $119 | 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 · 0.0% rent growth · sell at horizon
- IRR
- -14.4%
- Equity multiple
- 0.50×
- Total profit
- $-20,360
- Equity at exit
- $21,605
- IRR
- -11.4%
- Equity multiple
- 0.41×
- Total profit
- $-24,031
- Equity at exit
- $12,528
Cash invested: $40,572 (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
ZIP-level market 63138
- Home prices YoY
- -31.0%
- Rents YoY
- -1.5%
- Active inventory
- 101
- Price-to-rent
- 8.8×
Monthly cashflow live
- Estimated rent
- $1,366 high interval (Pro) →
- Mortgage (P&I)
- −$760
- Tax from tax record
- −$147 /mo · $1,767/yr
- Insurance
- −$60
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$287
- Net cashflow
- $112
Break-even live
Sensitivity live
| Price | -10% $194 | -5% $153 | +0% $112 | +5% $71 | +10% $30 |
|---|---|---|---|---|---|
| Rent | -10% $4 | -5% $58 | +0% $112 | +5% $166 | +10% $220 |
| Rate | -1.0pp $185 | -0.5pp $149 | base $112 | +0.5pp $74 | +1.0pp $36 |
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
- $36,225
- Closing costs
- $4,347
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1333 N Garden Dr St. Louis, MO | 2.0 | 1.0 | 626 | $1,100 | $1.76 | 44d | 1 | 0.41mi |
| 1342 N Garden Dr Saint Louis, MO | 2.0 | 1.0 | 626 | $1,100 | $1.76 | 2d | 3 | 0.44mi |
| 1141 Scott Ave Saint Louis, MO | 3.0 | 1.0 | 864 | $1,400 | $1.62 | 22d | 1 | 0.54mi |
| 1218 Walker Ave Saint Louis, MO | 3.0 | 1.0 | 936 | $1,275 | $1.36 | 24d | 1 | 0.62mi |
| 1223 Walker Ave Saint Louis, MO | 4.0 | 1.0 | 936 | $1,800 | $1.92 | 44d | 1 | 0.64mi |
| 1376 Cove Ln Saint Louis, MO | 3.0 | 1.0 | 925 | $1,365 | $1.48 | 24d | 1 | 0.70mi |
| 1359 Cove Ln Saint Louis, MO | 3.0 | 1.0 | 925 | $1,427 | $1.54 | 2d | 1 | 0.72mi |
| 11891 Bridgevale Ave Saint Louis, MO | 3.0 | 1.0 | 864 | $1,350 | $1.56 | 24d | 1 | 0.81mi |
| 1132 Redman Blvd Saint Louis, MO | 4.0 | 1.0 | 1080 | $1,195 | $1.11 | 44d | 1 | 0.82mi |
| 1504 Redman Blvd Saint Louis, MO | 3.0 | 2.0 | 1014 | $1,299 | $1.28 | 5d | 1 | 0.82mi |
| 11930 Criterion Ave Saint Louis, MO | 3.0 | 1.0 | 816 | $1,350 | $1.65 | 44d | 1 | 0.96mi |
| 1455 Broadlawns Ln Saint Louis, MO | 3.0 | 1.0 | 912 | $1,395 | $1.53 | 13d | 1 | 1.02mi |
| 1473 Broadlawns Ln Saint Louis, MO | 3.0 | 1.0 | 1000 | $1,400 | $1.40 | 44d | 1 | 1.03mi |
| 11921 Larimore Rd Saint Louis, MO | 3.0 | 1.0 | 1078 | $1,100 | $1.02 | 44d | 1 | 1.05mi |
| 10421 Gardo Ct Saint Louis, MO | 3.0 | 2.0 | 1000 | $1,395 | $1.40 | 15d | 1 | 1.08mi |
| 10527 Prestwick Dr Saint Louis, MO | 3.0 | 2.0 | 854 | $1,395 | $1.63 | 8d | 1 | 1.10mi |
| 10518 Gretna Cir Saint Louis, MO | 3.0 | 1.0 | 1082 | $1,450 | $1.34 | 24d | 1 | 1.12mi |
| 1205 Shepley Dr Saint Louis, MO | 3.0 | 1.0 | 901 | $1,325 | $1.47 | 24d | 1 | 1.13mi |
| 1205 Shepley Dr Saint Louis, MO | 3.0 | 1.0 | 901 | $1,350 | $1.50 | 44d | 1 | 1.13mi |
| 10524 Durness Dr Saint Louis, MO | 3.0 | 1.0 | 1000 | $1,250 | $1.25 | 44d | 1 | 1.15mi |
| 10519 Renfrew Dr Saint Louis, MO | 3.0 | 1.5 | 982 | $1,399 | $1.42 | 44d | 1 | 1.17mi |
| 257 Glen Garry Rd Saint Louis, MO | 3.0 | 1.0 | 873 | $1,025 | $1.17 | 15d | 1 | 1.18mi |
| 743 Shepley Dr Saint Louis, MO | 3.0 | 1.0 | 932 | $1,025 | $1.10 | 8d | 1 | 1.19mi |
| 10650 Dunkeld Cir Saint Louis, MO | 3.0 | 1.0 | 854 | $1,250 | $1.46 | 8d | 1 | 1.19mi |
| 10508 Druid Dr Saint Louis, MO | 3.0 | 1.0 | 1122 | $1,475 | $1.31 | 16d | 1 | 1.20mi |
| 409 Shepley Dr Saint Louis, MO | 3.0 | 1.0 | 854 | $1,095 | $1.28 | 5d | 1 | 1.21mi |
| 10617 Dunkeld Cir Saint Louis, MO | 3.0 | 1.0 | 873 | $1,299 | $1.49 | 44d | 1 | 1.21mi |
| 10617 Dunkeld Cir Saint Louis, MO | 3.0 | 1.0 | 873 | $1,299 | $1.49 | 8d | 1 | 1.21mi |
| 457 Shepley Dr Saint Louis, MO | 3.0 | 1.0 | 854 | $1,350 | $1.58 | 24d | 1 | 1.21mi |
| 1708 San Remo Ct St. Louis, MO | 1.0–3.0 | 1.0–1.5 | 1053 | $1,300 | $1.23 | 2d | 9 | 1.24mi |
| 1208 Rapid Dr Saint Louis, MO | 3.0 | 1.0 | 992 | $1,375 | $1.39 | 5d | 1 | 1.24mi |
| 323 Shepley Dr Saint Louis, MO | 3.0 | 1.0 | 850 | $1,175 | $1.38 | 2d | 1 | 1.26mi |
| 815 Bella Ln Saint Louis, MO | 3.0 | 1.0 | 864 | $1,275 | $1.48 | 44d | 1 | 1.26mi |
| 329 Midlothian Rd Saint Louis, MO | 3.0 | 1.0 | 854 | $1,195 | $1.40 | 3d | 1 | 1.27mi |
| 241 Grampian Rd Saint Louis, MO | 3.0 | 1.0 | 837 | $1,250 | $1.49 | 44d | 1 | 1.29mi |
| 237 Grampian Rd Saint Louis, MO | 3.0 | 1.0 | 873 | $1,499 | $1.72 | 44d | 1 | 1.29mi |
| 432 Midlothian Rd Saint Louis, MO | 3.0 | 1.0 | 1120 | $1,350 | $1.21 | 11d | 1 | 1.30mi |
| 225 Ben Nevis Rd Saint Louis, MO | 3.0 | 1.0 | 873 | $1,250 | $1.43 | 3d | 1 | 1.32mi |
| 251 Midlothian Rd Saint Louis, MO | 3.0 | 1.0 | 1058 | $1,499 | $1.42 | 44d | 1 | 1.32mi |
| 312 Banff Cir Saint Louis, MO | 3.0 | 1.0 | 854 | $1,175 | $1.38 | 24d | 1 | 1.34mi |
Listing history 24 events
-
2026-06-18days on market $144,900 Active 31 DOM
-
2026-06-17days on market $144,900 Active 30 DOM
-
2026-06-16days on market $144,900 Active 29 DOM
-
2026-06-15days on market $144,900 Active 28 DOM
-
2026-06-13days on market $144,900 Active 26 DOM
-
2026-06-13statusdays on market $144,900 Active 25 DOM
-
2026-06-08statusdays on market $144,900 Pending 24 DOM
-
2026-06-07days on market $144,900 Active 23 DOM
-
2026-06-05days on market $144,900 Active 20 DOM
-
2026-06-03days on market $144,900 Active 19 DOM
-
2026-06-02days on market $144,900 Active 18 DOM
-
2026-06-01days on market $144,900 Active 17 DOM
-
2026-05-31days on market $144,900 Active 16 DOM
-
2026-05-15$144,900 Active 474-char remark
-
2019-05-30soldstatus $58,500
-
2019-05-24soldstatus Closed 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
2019-05-08status Pending 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
2019-04-25price $65,000 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
2019-04-18price $68,900 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
2019-04-12price $69,900 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
2019-04-12status Active 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
2019-02-21historical Active Under Contract 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
2019-02-20$64,900 Active 581-char remark
Show marketing remark (581 chars)
THIS HOME IS CURRENTLY RENTED!! DO NOT DISTURB TENANT! Back on the Market! Tenant Occupied! Great Rental. This Split Level home is rented. Please do not disturb the tenant. This home features a Livingroom, Diningroom, Kitchen & 3 bedrooms & full bath on the upper level. The lower level has 2 more rooms with a large family room, 1/2 bath and laundry room. One car garage, yard is fenced and a deck. Newr Roof 2018. Property is being sold "As Is". Seller to make no repairs!! Could be a part of a several property package deal!! Special Contract Only!!
-
1988-06-01soldstatus
ⓘ 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 2/10 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $16,395
- − Mortgage interest
- −$8,117
- − Property taxes
- −$1,767
- − Insurance
- −$724
- − Repairs & maintenance
- −$1,312
- − Management
- −$1,312
- − Depreciation
- −$4,215
- Taxable loss
- −$1,052
- Est. tax savings @ 24.0%
- +$252
- After-tax cash flow
- $1,595/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
- 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 — Spanish Lake
- Score
- 51/100
- State rank
- #870
- US rank
- #25189
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Spanish Lake, MO
- County
- Saint Louis County · 888,823 people
- City population
- 18,233
- Metro
- St. Louis, MO-IL
- Population (ZIP)
- 18,233
- Household income
- $56,096
- Rent vs Own
- Severe rent burden
- 925.0
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 (81%)
- Race & ethnicity
- Black 81% White 14% Two or more races 4% Hispanic / Latino 1%
- Foreign-born
- 2% · Canada
- Languages at home
- 98% English-only · Spanish 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
- ▼ -74.09%
- Current HPI
- 165.2146
- Rent YoY
- ▼ -1.54%
- 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
+123.3% since first listed13 events — show timeline
- 2026-06-11 Relisted — MARIS as Distributed by MLS Grid
- 2026-06-08 Pending — MARIS as Distributed by MLS Grid
- 2026-05-15 Listed $144,900 MARIS as Distributed by MLS Grid
- 2019-05-30 Sold (Public Records) $58,500 Public Records
- 2019-05-24 Sold (MLS) — MARIS as Distributed by MLS Grid
- 2019-05-08 Pending — MARIS as Distributed by MLS Grid
- 2019-04-25 Price Changed $65,000 MARIS as Distributed by MLS Grid
- 2019-04-18 Price Changed $68,900 MARIS as Distributed by MLS Grid
- 2019-04-12 Price Changed $69,900 MARIS as Distributed by MLS Grid
- 2019-04-12 Relisted — MARIS as Distributed by MLS Grid
- 2019-02-21 Contingent — MARIS as Distributed by MLS Grid
- 2019-02-20 Listed $64,900 MARIS as Distributed by MLS Grid
- 1988-06-01 Sold (Public Records) — Public Records
Property tax history
+3.1%/yrLatest (2022): $1,767 · +1.5% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…