7109 Canterbury Ave · St. Louis, MO 63143

$125,000

3 bd · 1.0 ba · 831 sqft · SingleFamily public records · 12 Days on market

Built 1926 6,298 sqft lot Est $201k · 38% under

---

Why this score? — see what drove the B 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 +8.2/10.0
• Rent growth +3.4/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0
• Appreciation +0.0/10.0

Listing remarks

This 3-bedroom, 1.5-bath home in St. Louis offers potential with a large basement and a convenient location near Hwy 44 and Lindenwood Park. The basement provides extra space for storage or potential room conversion. The property provides easy access to local amenities and downtown. Whether you're an investor looking for a property to renovate or a homeowner looking to personalize, this home offers a solid foundation to make your own.

Key facts

• Large basement
• Convenient location
• 6,298 sq ft lot

Tags

• LARGE BASEMENT
• CONVENIENT LOCATION
• EASY ACCESS TO LOCAL AMENITIES
• POTENTIAL ROOM CONVERSION

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $421 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Cap rate 10.9% vs local median 5.0% in St. Louis — 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 B — affects rentability + tenant quality, not the cash-flow math above.
• St. Louis City (urban): math 10% / reading 18% proficiency, ranked #312 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 80% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Mason Elem. (math 22% / reading 37%, grade F, #813 of 1,115 statewide, top 75%, 389 students, 99% FRL); Roosevelt High (math 2% / reading 8%, grade F, #517 of 521 statewide, top 100%, 460 students, 99% FRL) — zoned schools average 99% FRL vs 80% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+3.8%/yr); 44 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 294 units permitted in St. Louis city in 2024 (227 in 5+ unit buildings).
• This rent runs 30% of the median local income ($66k/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 $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• St. Louis County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.8% rent growth), your $35k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1926 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $125,000

Questions for the listing agent

1. Built in 1926 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.32% ✓
• Cap rate: 10.86%
• Cash-on-cash: 16.33%
• DSCR: 1.73
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $201,102
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7120 Rabenberg Pl	0.18mi	2/1.0 (-1)	820 (-1%)	9mo	$185,000	$226	77
6635 Arsenal St	0.51mi	3/1.0	806 (-3%)	1mo	$90,000	$112	70
7250 Arsenal St	0.15mi	2/1.0 (-1)	952 (+15%)	3mo	$245,000	$257	61
6531 Hoffman Ave	0.68mi	2/1.0 (-1)	800 (-4%)	2mo	$200,000	$250	56
6532 Southwest Ave	0.73mi	2/1.0 (-1)	825 (-1%)	9mo	$205,000	$248	53
6742 Odell St	0.41mi	2/1.0 (-1)	784 (-6%)	17mo	$179,900	$229	52
6591 Scanlan Ave	0.52mi	2/1.5 (-1)	941 (+13%)	1mo	$269,000	$286	46
7118 Picadilly Ave	0.40mi	2/1.0 (-1)	912 (+10%)	18mo	$179,000	$196	45
6969 Pernod Ave	0.69mi	2/2.0 (-1)	838 (+1%)	18mo	$240,000	$286	42
6523 Bradley Ave	0.65mi	2/1.0 (-1)	768 (-8%)	14mo	$185,000	$241	40
7122 Drury Ln	0.63mi	2/1.0 (-1)	920 (+11%)	11mo	$160,000	$174	39
6746 Marquette	0.67mi	2/1.0 (-1)	929 (+12%)	12mo	$225,000	$242	34

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 · 3.76% rent growth · sell at horizon

5-year hold

• IRR: 5.7%
• Equity multiple: 1.22×
• Total profit: $7,845
• Equity at exit: $18,638

10-year hold

• IRR: 15.8%
• Equity multiple: 2.34×
• Total profit: $46,771
• Equity at exit: $10,808

Cash invested: $35,000 (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 63143

• Rents YoY: 3.8%
• Active inventory: 44
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,648 high
• Mortgage (P&I): −$656
• Tax from tax record: −$118 /mo · $1,419/yr
• Insurance: −$52
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $421

Break-even live

Break-even rent $1,116

Max offer price $125,000

Occupancy floor 69%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7135 Canterbury Ave Saint Louis, MO	1.0–2.0	1.0–1.5	1016	$2,155	$2.12	19d	4	0.06mi
7210 Lyndover Pl Unit 3E Maplewood, MO	2.0	1.0	800	$1,250	$1.56	7d	1	0.44mi
2624 Roseland Ter Saint Louis, MO	2.0	1.0	750	$1,045	$1.39	2d	2	0.45mi
2262 Yale Ave Saint Louis, MO	2.0	1.0	900	$2,700	$3.00	14d	1	0.49mi
2507 Bellevue Ave Unit 2507 1 Maplewood, MO	2.0	1.0	800	$1,245	$1.56	44d	1	0.50mi
7208 Zephyr Pl Apt 1E Maplewood, MO	2.0	1.0	1100	$1,199	$1.09	44d	1	0.51mi
3717 Cambridge Ave Saint Louis, MO	2.0	1.0	1020	$1,750	$1.72	23d	1	0.75mi
3710 Greenwood Blvd Saint Louis, MO	1.0–2.0	1.0	750	$1,250	$1.67	23d	4	0.75mi
2050 Yale Ave Maplewood, MO	2.0	1.0	700	$1,150	$1.64	23d	1	0.79mi
7047 Mardel Ave Saint Louis, MO	2.0	1.0	768	$1,695	$2.21	18d	1	0.83mi
3308 Watson Rd Unit 9 St. Louis, MO	2.0	1.0	675	$1,100	$1.63	20d	1	0.85mi
3308 Watson Rd Unit 1 St. Louis, MO	2.0	1.0	675	$1,100	$1.63	23d	1	0.85mi
2705 Laclede Station Rd Maplewood, MO	2.0	1.5	840	$1,499	$1.78	4d	1	0.95mi
2533 Tamm Ave Saint Louis, MO	2.0	1.0	720	$1,550	$2.15	4d	1	0.95mi
6228 Arsenal St Unit 1F St. Louis, MO	2.0	1.0	1050	$1,250	$1.19	44d	1	0.96mi
6723 Glades Ave Saint Louis, MO	3.0	1.0	980	$1,750	$1.79	7d	1	0.99mi
6320 Arthur Ave Saint Louis, MO	2.0	1.0	864	$1,500	$1.74	4d	1	0.99mi
6225 Marmaduke Ave Saint Louis, MO	3.0	2.0	1008	$2,179	$2.16	4d	1	1.00mi
7560 Alicia Ave Saint Louis, MO	2.0	1.0	960	$1,650	$1.72	44d	1	1.00mi
31 Sunnen Dr Maplewood, MO	1.0–2.0	1.0–2.0	956	$2,428	$2.54	2d	17	1.03mi
7018 Plateau Ave Saint Louis, MO	2.0	2.0	1040	$1,995	$1.92	2d	1	1.04mi
7027 Plateau Ave Saint Louis, MO	2.0	1.0	816	$1,750	$2.14	44d	1	1.06mi
6048 Southwest Ave St. Louis, MO	2.0	1.0	770	$1,200	$1.56	44d	1	1.13mi
7828 Laclede Forest Dr Maplewood, MO	1.0–2.0	1.0	725	$1,345	$1.86	3d	2	1.14mi
7784 W Bruno Ave Saint Louis, MO	2.0	1.0	900	$950	$1.06	44d	1	1.23mi
5927 Suson Pl St. Louis, MO	1.0–2.0	1.0	670	$1,235	$1.84	2d	12	1.23mi
6312 Lindenwood Ct Saint Louis, MO	2.0	1.0–1.5	1100	$1,384	$1.26	2d	6	1.28mi
1421 Claytonia Ter Unit 1F Richmond Heights, MO	2.0	1.0	855	$1,125	$1.32	10d	1	1.38mi
3132 Park Hampton Ct Saint Louis, MO	3.0	2.5	1106	$2,100	$1.90	44d	1	1.39mi
7030 Nottingham Ave St. Louis, MO	1.0–2.0	1.0	910	$1,550	$1.70	3d	5	1.42mi
6957 Chippewa St Apt 1E St. Louis, MO	2.0	1.0	1046	$1,100	$1.05	44d	1	1.43mi
3227 Jasper Park Saint Louis, MO	3.0	1.0	972	$1,695	$1.74	18d	1	1.49mi

Listing history 2 events

1. 2026-04-27
   status Pending
2. 2026-04-15
   listed $125,000 Active

ⓘ 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: $1,419 · $118/mo
• Projected year-2 tax: $1,419 · $118/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 8/10 Severe FEMA zone X (unshaded) · 99% 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: $19,779
• − Mortgage interest: −$7,002
• − Property taxes: −$1,419
• − Insurance: −$1,292
• − Repairs & maintenance: −$1,582
• − Management: −$1,582
• − Depreciation: −$3,636
• Taxable income: $3,265
• Est. tax owed @ 24.0%: −$784
• After-tax cash flow: $4,265/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: St. Louis City
• NCES district ID: 2929280
• Math proficiency: 10% ▼ -6.00%
• Reading proficiency: 18% ▼ -3.00%
• Median HH income: $35,685
• Composite: 11.54/100
• National rank: #9699
• State rank: #312 of 324 in MO

Livability — St. Louis

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

Census & demographics

• Census place: St. Louis, MO
• County: Saint Louis County · 888,823 people
• City population: 283,259
• Metro: St. Louis, MO-IL
• Population (ZIP): 8,975
• Household income: $65,861
• Rent vs Own: 56.4% rent · 43.6% own
• Severe rent burden: 195.0

Population outlook (St. Louis County) Hauer SSP2

• Today (2025): 315,737 people
• By 2030: 313,865 · -0.6%
• By 2040: 305,439 · -3.3%
• By 2050: 296,529 · -6.1%
• By 2075: 271,028 · -14.2%
• By 2100: 255,359 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Two or more races 12% Black 8% Hispanic / Latino 4% Asian 3%
• Common ancestry: Romanian 4% Slovak 4% Italian 3%
• Foreign-born: 6% · Canada, China, Vietnam
• Languages at home: 94% English-only · Spanish 3% Tagalog/Filipino 1%

Political lean MEDSL · St. Louis

• 2024 margin: Solid D (+64.7) · D 81.4% · R 16.7% · Other 2.0%
• 2008→2024 swing: -3.5pp toward R · 2008: 68.2pp · 2024: 64.7pp
• All cycles: 2024: D+64.7 2020: D+66.2 2016: D+63.7 2012: D+66.6 2008: D+68.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -226.44%
• Current HPI: 300.6917
• Rent YoY: ▲ 3.76%
• 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

2 events — show timeline

• 2026-04-27 Pending — MARIS as Distributed by MLS Grid
• 2026-04-15 Listed $125,000 MARIS as Distributed by MLS Grid

Property tax history

+5.4%/yr

Latest (2024): $1,419 · +5.1% YoY. Source: county tax records.