Duplex
5239 Ville Anita Ct · Hazelwood, 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 1/10 · Minimal
- Est. fire insurance / yr
- $1,054 – $1,958
Heat risk 4/10 · Minor
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 1.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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 +26.4/30.0
- ARV discount +15.0/15.0
- DSCR +9.0/10.0
- 1% rule +6.4/10.0
- Rent growth +3.6/5.0
- Livability +3.1/5.0
- Condition / age +2.5/5.0
- Schools +1.2/10.0
- Appreciation +0.0/10.0
$260,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (5+ Unit). Listing-text estimate: 2 units. estimate disagrees with records
5+ unit building — per-unit beds/baths from public records are typically unavailable; the breakdown below (if shown) is an estimate from the listing text.
Listing remarks MLS
Duplex with 3 bedrooms and 1 bath on each side. An investor special! Needs lots of work and some rehab. Full basement with walkout on each side. Some newer windows. Off street parking. Priced to sell. *Sale will be subject to court approval*
Key facts
- Brand new roof
- Cul-de-sac street
- 0.23 acre lot
Tags
Property features AI
Finance
- Financial info: Property used as residential income (2 units); All units leased; Gross income reported at $26,400; Owner pays grounds care and sewer
Exterior
- Utilities: Public water; Sewer connected (owner pays sewer); Ameren electric service; Natural gas connected
- Home design: Duplex / multi-family property; One level
- Construction: Brick veneer and frame construction
- Exterior features: Brick veneer and frame construction; Lot about 0.23 acres; No pool
Interior
- Kitchen: Gas water heater
- Bedrooms: Two 3-bedroom units
- Bathrooms: Two 1-bath units
- Heating & cooling: Forced air heating (natural gas); Central air conditioning; Ceiling fan(s)
- Interior features: Full basement; Updated / remodeled condition
- Laundry & utility: Natural gas connected; Electricity connected
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 3-bed/1.0-bath units multifamily listed at $260k.
Deal economics
- At list price, monthly cash flow is $682 ($8k/yr) — positive. Per door: $341/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $260k).
- Recommended offer: $256k (1.5% below list) — sets the bar for market timing.
- Cap rate 9.4% vs local median 7.2% in Hazelwood — 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 62/100 on livability (#395 in MO) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, crime F, amenities F.
- Ferguson-Florissant R-II (suburban): math 7% / reading 20% proficiency, ranked #311 of 324 in MO (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 70% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents rising fast (+4.5%/yr); 68 active listings in the ZIP; 920 units permitted in St. Louis County in 2024 (250 in 5+ unit buildings).
- At $2,961/mo this rent would consume 72% of the median local household income ($49k/yr) (locally 766% 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.
- At projected returns (-3.0% appreciation + 4.5% rent growth), your $73k cash investment doubles in ~9 years — after that, you're playing with house money.
Negotiation context
- It's been on market 27 days — a 2% lower offer ($256k) is reasonable based on typical stale-listing flexibility.
- 2 sale attempts since 12y 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 $50k; list at $260k implies a 420% gain — meaningful room to come down on a strong offer.
Questions for the listing agent
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Built in 1968 — 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 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?
- 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?
- 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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.14% ✓
- Cap rate
- 9.44%
- Cash-on-cash
- 11.25%
- DSCR
- 1.50
- GRM
- 7.3
CMA / ARV
- ARV (median comp)
- $313,348
- List price
- $260,000
- Delta
- -17.03%
- Verdict
- UNDERPRICED
- Comps
- 1 within 2.0 mi
Projected returns pro-forma
-3.0% appreciation · 4.45% rent growth · sell at horizon
- IRR
- 2.0%
- Equity multiple
- 1.08×
- Total profit
- $5,660
- Equity at exit
- $38,767
- IRR
- 12.9%
- Equity multiple
- 2.09×
- Total profit
- $79,233
- Equity at exit
- $22,480
Cash invested: $72,800 (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 63042
- Rents YoY
- 4.5%
- Active inventory
- 68
- Price-to-rent
- 14.6×
Monthly cashflow live
- Estimated rent
- $2,961 high interval (Pro) →
- Mortgage (P&I)
- −$1,363
- Tax from tax record
- −$185 /mo · $2,222/yr
- Insurance
- −$108
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$622
- Net cashflow
- $682
Break-even live
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 3 | 1 | $2,960 |
| #1 | 3 | 1 | $1,480 |
| #2 | 3 | 1 | $1,480 |
| Total (2 units) | $2,961 | ||
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
- $65,000
- Closing costs
- $7,800
- 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.
Listing history 11 events
-
2026-06-08statusdays on market $260,000 Pending 27 DOM
-
2026-06-07days on market $260,000 Active Under Contract 26 DOM
-
2026-06-05days on market $260,000 Active Under Contract 23 DOM
-
2026-06-03days on market $260,000 Active Under Contract 22 DOM
-
2026-06-02days on market $260,000 Active Under Contract 21 DOM
-
2026-06-01days on market $260,000 Active Under Contract 20 DOM
-
2026-05-31days on market $260,000 Active Under Contract 19 DOM
-
2026-05-12$270,000 Active 978-char remark
-
2014-08-13soldstatus $50,000
-
2014-08-08soldstatus 248-char remark
Show marketing remark (248 chars)
Duplex with 3 bedrooms and 1 bath on each side. An investor special! Needs lots of work and some rehab. Full basement with walkout on each side. Some newer windows. Off street parking. Priced to sell. *Sale will be subject to court approval*
-
2014-07-01$55,000 248-char remark
Show marketing remark (248 chars)
Duplex with 3 bedrooms and 1 bath on each side. An investor special! Needs lots of work and some rehab. Full basement with walkout on each side. Some newer windows. Off street parking. Priced to sell. *Sale will be subject to court approval*
ⓘ 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
- $2,222 · $185/mo
- Projected year-2 tax
- $2,522 · $210/mo
- Expected delta
- +$300/yr (+$25/mo · 13.5%)
ⓘ 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 · 20 d/yr by 30 yrs out
- Wind 2/10 Low 100% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 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
- $35,532
- − Mortgage interest
- −$14,564
- − Property taxes
- −$2,222
- − Insurance
- −$1,300
- − Repairs & maintenance
- −$2,843
- − Management
- −$2,843
- − Depreciation
- −$7,564
- Taxable income
- $4,197
- Est. tax owed @ 24.0%
- −$1,007
- After-tax cash flow
- $7,179/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
- Ferguson-Florissant R-II
- NCES district ID
- 2912010
- Math proficiency
- 7% ▼ -9.00%
- Reading proficiency
- 20% ▼ -6.00%
- Median HH income
- $44,610
- Composite
- 11.96/100
- National rank
- #9666
- State rank
- #311 of 324 in MO
Livability — Hazelwood
- Score
- 62/100
- State rank
- #395
- US rank
- #16956
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Hazelwood, MO
- County
- Saint Louis County · 888,823 people
- City population
- 17,813
- Metro
- St. Louis, MO-IL
- Population (ZIP)
- 17,813
- Household income
- $49,453
- Rent vs Own
- Severe rent burden
- 766.0
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 46% Black 38% Two or more races 10% Hispanic / Latino 4% Asian 2%
- Common ancestry
- Lithuanian 3% Romanian 1% Italian 1%
- Foreign-born
- 5% · Canada, Vietnam
- Languages at home
- 94% English-only · Spanish 3% Vietnamese 1% 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
- ▼ -204.48%
- Current HPI
- 234.7353
- Rent YoY
- ▲ 4.45%
- 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
+372.7% since first listed7 events — show timeline
- 2026-06-08 Pending — MARIS as Distributed by MLS Grid
- 2026-05-29 Contingent — MARIS as Distributed by MLS Grid
- 2026-05-21 Price Changed $260,000 MARIS as Distributed by MLS Grid
- 2026-05-12 Listed $270,000 MARIS as Distributed by MLS Grid
- 2014-08-13 Sold (Public Records) $50,000 Public Records
- 2014-08-08 Sold (MLS) — MARIS as Distributed by MLS Grid
- 2014-07-01 Listed $55,000 MARIS as Distributed by MLS Grid
Property tax history
+0.6%/yrLatest (2022): $2,222 · +1.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…